Can I retire at age 52 with 1,130,000?

Use the below retirement simulation to view the chances of a successful retirement.
Confused? Try the simple retirement calculator
About Your Retirement ?
Current Age
Retirement Age
Current Savings $
Annual Deposits $
Annual Withdrawals $
Stock market crash:
Portfolio ?
% in Stocks:
% in Bonds:
% in Cash:
Modify Stock Returns:
0%
Modify Bond Returns:
0%
Modify Cash Returns:
0%
Modify Inflation:
0%
How much money do I need to retire?

This retirement calculator runs simulations based on past data from the S&P 500, 10 Year Treasury Bond, 3 month T-Bill, and US inflation. For each year of each simulation, a random return and inflation amount is chosen.

How to use: Enter your current age and the age when you retire. Then enter your current savings, the amount that you can save annually before you retire, and the amount that you plan to withdraw after retirement. Your annual deposits and withdrawals take inflation into account. For example, if you need $50,000 to live on in retirement using today's dollars, we will automatically take into account the cost of living for your retirement years. The same is true for your annual deposits. Next, decide if you'd like to simulate a stock market crash.

In the portfolio section, choose the makeup of your portfolio with stocks, bonds, and cash. Cash assumes that your money is stored in a savings account. You can then alter the future returns and inflation. For example, if the market has historically returned about 10%, but you think the future will be worse, modify the stock returns by -3%, and the future returns will average out to 7%. Investment fees can also lower stock market returns. Many index funds and ETFs offer extremely low fees and expenses.

Many people receive income in retirement, such as social security, pension plans, part time jobs, annuities, and other benefits. This would allow you to take out smaller distributions every year. Please note that taxes must also be considered, but are not used in this simulation. A 401k, Roth IRA, and Traditional IRA are taxed differently than a standard investment account, as are dividends.

Note: This assumes that the future is at least somewhat like the past. In reality, anything could happen. The Soviet Union collapsed, Japan's Nikkei Index is still well below its 1989 peak. Numerous other markets have changed drastically and never recovered. However, this online tool is helpful in retirement planning and estimating how much you might need for retirement, especially those hoping to retire early. We recommend receiving advice from a financial planner.

Want to retire with $1,130,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.1%
1 years$93,314$92,483$91,672$90,881$90,108$87,504
2 years$46,195$45,335$44,501$43,693$42,908$40,306
3 years$30,491$29,627$28,795$27,994$27,223$24,703
4 years$22,640$21,779$20,955$20,168$19,416$16,998
5 years$17,931$17,075$16,262$15,491$14,759$12,450
6 years$14,793$13,943$13,142$12,388$11,679$9,480
7 years$12,552$11,709$10,921$10,185$9,498$7,410
8 years$10,872$10,037$9,262$8,544$7,879$5,901
9 years$9,566$8,739$7,978$7,278$6,636$4,765
10 years$8,522$7,703$6,955$6,273$5,654$3,888
11 years$7,668$6,858$6,123$5,460$4,862$3,199
12 years$6,957$6,155$5,434$4,789$4,214$2,649
13 years$6,356$5,562$4,855$4,228$3,674$2,205
14 years$5,842$5,056$4,362$3,753$3,221$1,844
15 years$5,396$4,619$3,938$3,347$2,836$1,547
16 years$5,006$4,238$3,571$2,997$2,506$1,301
17 years$4,663$3,903$3,249$2,693$2,222$1,097
18 years$4,358$3,606$2,966$2,427$1,976$927
19 years$4,085$3,342$2,715$2,193$1,761$785
20 years$3,841$3,106$2,492$1,986$1,573$665
21 years$3,619$2,893$2,292$1,802$1,408$564
22 years$3,418$2,700$2,113$1,639$1,262$479
23 years$3,235$2,526$1,951$1,492$1,133$407
24 years$3,067$2,366$1,804$1,361$1,018$346
25 years$2,913$2,221$1,671$1,243$916$295
26 years$2,771$2,087$1,550$1,137$825$251
27 years$2,640$1,964$1,439$1,040$744$214
28 years$2,519$1,851$1,338$953$671$182
29 years$2,405$1,746$1,245$874$606$155
30 years$2,300$1,649$1,160$802$548$132
31 years$2,202$1,559$1,081$737$495$113
32 years$2,110$1,475$1,009$677$448$96
33 years$2,024$1,397$942$623$405$82
34 years$1,943$1,324$880$573$367$70
35 years$1,866$1,256$823$527$332$60
36 years$1,795$1,192$770$486$301$51
37 years$1,727$1,132$720$448$273$44
38 years$1,663$1,076$675$413$248$37
39 years$1,602$1,023$632$380$224$32
40 years$1,545$973$592$351$204$27
41 years$1,490$926$555$324$185$23
42 years$1,439$882$521$299$168$20
43 years$1,389$841$489$276$152$17
44 years$1,343$801$459$255$138$14
45 years$1,298$764$431$235$125$12
46 years$1,255$729$405$217$114$11
47 years$1,215$696$380$201$103$9
48 years$1,176$664$357$185$94$8
49 years$1,139$634$336$171$85$7
50 years$1,103$606$316$158$77$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,130,000, adding $4,944 every year, while hoping to spend $49,845 every year in retirement. These numbers increase with inflation.
Reality usually performs much different than the expected returns. This uses historical averages, but anything can happen. In general, riskier investments have greater returns on average, but more volatility in the short term.
Age Total: 100% Stocks Total: 100% Bonds Total: 100% Cash Total: 38/35/27 Blend
51$1,130,000$1,130,000$1,130,000$1,130,000
52$1,250,360$1,190,470$1,172,955$1,287,658
53$1,324,862$1,195,768$1,159,214$1,320,743
54$1,405,292$1,199,655$1,143,342$1,351,531
55$1,492,204$1,202,010$1,125,216$1,383,844
56$1,586,202$1,202,703$1,104,705$1,417,853
57$1,687,956$1,201,595$1,081,673$1,453,749
58$1,798,196$1,198,543$1,055,978$1,491,746
59$1,917,731$1,193,390$1,027,472$1,532,082
60$2,047,446$1,185,972$995,998$1,575,026
61$2,188,315$1,176,115$961,395$1,620,877
62$2,341,413$1,163,635$923,491$1,669,968
63$2,507,918$1,148,334$882,109$1,722,672
64$2,689,129$1,130,005$837,062$1,779,404
65$2,886,473$1,108,428$788,157$1,840,628
66$3,101,523$1,083,371$735,190$1,906,860
67$3,336,007$1,054,585$677,948$1,978,673
68$3,591,830$1,021,810$616,209$2,056,708
69$3,871,087$984,769$549,742$2,141,675
70$4,176,084$943,168$478,305$2,234,366
71$4,509,360$896,699$401,644$2,335,660
72$4,873,711$845,034$319,495$2,446,533
73$5,272,214$787,825$231,583$2,568,070
74$5,708,258$724,706$137,619$2,701,475
75$6,185,575$655,291$37,303$2,848,086
76$6,708,272$579,169$0$3,009,385
77$7,280,875$495,908$0$3,207,111
78$7,908,367$405,050$0$3,435,768
79$8,596,236$306,113$0$3,686,719
80$9,350,526$198,586$0$3,962,306
81$10,177,894$81,931$0$4,265,118
82$11,085,672$0$0$4,598,017
83$12,081,937$0$0$4,981,270
84$13,175,585$0$0$5,436,784
85$14,376,416$0$0$5,937,105
86$15,695,224$0$0$6,486,749
87$17,143,902$0$0$7,090,696
88$18,735,550$0$0$7,754,427
89$20,484,600$0$0$8,483,984
90$22,406,950$0$0$9,286,021
91$24,520,117$0$0$10,167,872
92$26,843,398$0$0$11,137,614
93$29,398,054$0$0$12,204,147
94$32,207,509$0$0$13,377,277
95$35,297,571$0$0$14,667,808
96$38,696,672$0$0$16,087,644
97$42,436,143$0$0$17,649,900
98$46,550,500$0$0$19,369,027
99$51,077,777$0$0$21,260,949
100$56,059,879$0$0$23,343,210