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%17.8%
1 years$93,314$92,483$91,672$90,881$90,108$87,258
2 years$46,195$45,335$44,501$43,693$42,908$40,064
3 years$30,491$29,627$28,795$27,994$27,223$24,472
4 years$22,640$21,779$20,955$20,168$19,416$16,779
5 years$17,931$17,075$16,262$15,491$14,759$12,245
6 years$14,793$13,943$13,142$12,388$11,679$9,288
7 years$12,552$11,709$10,921$10,185$9,498$7,231
8 years$10,872$10,037$9,262$8,544$7,879$5,735
9 years$9,566$8,739$7,978$7,278$6,636$4,611
10 years$8,522$7,703$6,955$6,273$5,654$3,746
11 years$7,668$6,858$6,123$5,460$4,862$3,068
12 years$6,957$6,155$5,434$4,789$4,214$2,529
13 years$6,356$5,562$4,855$4,228$3,674$2,096
14 years$5,842$5,056$4,362$3,753$3,221$1,743
15 years$5,396$4,619$3,938$3,347$2,836$1,455
16 years$5,006$4,238$3,571$2,997$2,506$1,218
17 years$4,663$3,903$3,249$2,693$2,222$1,022
18 years$4,358$3,606$2,966$2,427$1,976$859
19 years$4,085$3,342$2,715$2,193$1,761$723
20 years$3,841$3,106$2,492$1,986$1,573$610
21 years$3,619$2,893$2,292$1,802$1,408$514
22 years$3,418$2,700$2,113$1,639$1,262$435
23 years$3,235$2,526$1,951$1,492$1,133$367
24 years$3,067$2,366$1,804$1,361$1,018$311
25 years$2,913$2,221$1,671$1,243$916$263
26 years$2,771$2,087$1,550$1,137$825$223
27 years$2,640$1,964$1,439$1,040$744$189
28 years$2,519$1,851$1,338$953$671$160
29 years$2,405$1,746$1,245$874$606$135
30 years$2,300$1,649$1,160$802$548$115
31 years$2,202$1,559$1,081$737$495$97
32 years$2,110$1,475$1,009$677$448$83
33 years$2,024$1,397$942$623$405$70
34 years$1,943$1,324$880$573$367$59
35 years$1,866$1,256$823$527$332$50
36 years$1,795$1,192$770$486$301$43
37 years$1,727$1,132$720$448$273$36
38 years$1,663$1,076$675$413$248$31
39 years$1,602$1,023$632$380$224$26
40 years$1,545$973$592$351$204$22
41 years$1,490$926$555$324$185$19
42 years$1,439$882$521$299$168$16
43 years$1,389$841$489$276$152$14
44 years$1,343$801$459$255$138$12
45 years$1,298$764$431$235$125$10
46 years$1,255$729$405$217$114$8
47 years$1,215$696$380$201$103$7
48 years$1,176$664$357$185$94$6
49 years$1,139$634$336$171$85$5
50 years$1,103$606$316$158$77$4

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 $4,644 every year, while hoping to spend $40,220 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: 57/20/23 Blend
51$1,130,000$1,130,000$1,130,000$1,130,000
52$1,250,050$1,190,160$1,172,645$1,313,284
53$1,334,762$1,205,684$1,169,135$1,372,516
54$1,426,766$1,220,621$1,164,159$1,432,360
55$1,526,763$1,234,899$1,157,626$1,496,721
56$1,635,527$1,248,443$1,149,440$1,566,044
57$1,753,905$1,261,171$1,139,501$1,640,821
58$1,882,831$1,272,996$1,127,702$1,721,596
59$2,023,333$1,283,827$1,113,934$1,808,970
60$2,176,544$1,293,564$1,098,081$1,903,605
61$2,343,706$1,302,104$1,080,022$2,006,233
62$2,526,192$1,309,335$1,059,630$2,117,660
63$2,725,510$1,315,138$1,036,774$2,238,778
64$2,943,319$1,319,388$1,011,313$2,370,571
65$3,181,449$1,321,949$983,104$2,514,126
66$3,441,913$1,322,680$951,993$2,670,640
67$3,726,926$1,321,430$917,823$2,841,436
68$4,038,930$1,318,037$880,428$3,027,974
69$4,380,611$1,312,332$839,633$3,231,867
70$4,754,931$1,304,133$795,258$3,454,890
71$5,165,146$1,293,249$747,112$3,699,008
72$5,614,848$1,279,475$694,997$3,966,384
73$6,107,990$1,262,596$638,706$4,259,409
74$6,648,926$1,242,384$578,024$4,580,716
75$7,242,451$1,218,596$512,722$4,933,216
76$7,893,849$1,190,975$442,567$5,320,116
77$8,608,939$1,159,250$367,310$5,744,955
78$9,394,130$1,123,133$286,694$6,211,640
79$10,256,484$1,082,319$200,451$6,724,477
80$11,203,779$1,036,486$108,300$7,288,218
81$12,244,583$985,293$9,947$7,908,106
82$13,388,337$928,379$0$8,589,920
83$14,645,441$865,362$0$9,363,356
84$16,027,351$795,840$0$10,216,249
85$17,546,690$719,386$0$11,153,995
86$19,217,365$635,549$0$12,185,235
87$21,054,698$543,852$0$13,319,491
88$23,075,570$443,793$0$14,567,262
89$25,298,578$334,839$0$15,940,117
90$27,744,217$216,430$0$17,450,811
91$30,435,064$87,973$0$19,113,401
92$33,395,998$0$0$20,943,382
93$36,654,428$0$0$22,969,091
94$40,240,556$0$0$25,219,949
95$44,187,663$0$0$27,697,497
96$48,532,415$0$0$30,424,765
97$53,315,217$0$0$33,427,132
98$58,580,588$0$0$36,732,560
99$64,377,584$0$0$40,371,862
100$70,760,260$0$0$44,378,988