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%18.4%
1 years$93,314$92,483$91,672$90,881$90,108$87,049
2 years$46,195$45,335$44,501$43,693$42,908$39,858
3 years$30,491$29,627$28,795$27,994$27,223$24,276
4 years$22,640$21,779$20,955$20,168$19,416$16,595
5 years$17,931$17,075$16,262$15,491$14,759$12,072
6 years$14,793$13,943$13,142$12,388$11,679$9,127
7 years$12,552$11,709$10,921$10,185$9,498$7,081
8 years$10,872$10,037$9,262$8,544$7,879$5,596
9 years$9,566$8,739$7,978$7,278$6,636$4,483
10 years$8,522$7,703$6,955$6,273$5,654$3,629
11 years$7,668$6,858$6,123$5,460$4,862$2,961
12 years$6,957$6,155$5,434$4,789$4,214$2,431
13 years$6,356$5,562$4,855$4,228$3,674$2,006
14 years$5,842$5,056$4,362$3,753$3,221$1,662
15 years$5,396$4,619$3,938$3,347$2,836$1,381
16 years$5,006$4,238$3,571$2,997$2,506$1,151
17 years$4,663$3,903$3,249$2,693$2,222$961
18 years$4,358$3,606$2,966$2,427$1,976$805
19 years$4,085$3,342$2,715$2,193$1,761$674
20 years$3,841$3,106$2,492$1,986$1,573$566
21 years$3,619$2,893$2,292$1,802$1,408$475
22 years$3,418$2,700$2,113$1,639$1,262$400
23 years$3,235$2,526$1,951$1,492$1,133$336
24 years$3,067$2,366$1,804$1,361$1,018$283
25 years$2,913$2,221$1,671$1,243$916$238
26 years$2,771$2,087$1,550$1,137$825$201
27 years$2,640$1,964$1,439$1,040$744$169
28 years$2,519$1,851$1,338$953$671$143
29 years$2,405$1,746$1,245$874$606$120
30 years$2,300$1,649$1,160$802$548$102
31 years$2,202$1,559$1,081$737$495$86
32 years$2,110$1,475$1,009$677$448$72
33 years$2,024$1,397$942$623$405$61
34 years$1,943$1,324$880$573$367$52
35 years$1,866$1,256$823$527$332$43
36 years$1,795$1,192$770$486$301$37
37 years$1,727$1,132$720$448$273$31
38 years$1,663$1,076$675$413$248$26
39 years$1,602$1,023$632$380$224$22
40 years$1,545$973$592$351$204$19
41 years$1,490$926$555$324$185$16
42 years$1,439$882$521$299$168$13
43 years$1,389$841$489$276$152$11
44 years$1,343$801$459$255$138$9
45 years$1,298$764$431$235$125$8
46 years$1,255$729$405$217$114$7
47 years$1,215$696$380$201$103$6
48 years$1,176$664$357$185$94$5
49 years$1,139$634$336$171$85$4
50 years$1,103$606$316$158$77$3

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 $4,860 every year, while hoping to spend $27,274 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: 48/35/17 Blend
51$1,130,000$1,130,000$1,130,000$1,130,000
52$1,250,273$1,190,383$1,172,868$1,304,101
53$1,348,782$1,219,693$1,183,140$1,371,217
54$1,456,424$1,249,524$1,192,842$1,440,878
55$1,574,103$1,279,874$1,201,925$1,515,933
56$1,702,812$1,310,739$1,210,341$1,596,895
57$1,843,647$1,342,113$1,218,035$1,684,334
58$1,997,812$1,373,990$1,224,952$1,778,874
59$2,166,634$1,406,361$1,231,034$1,881,205
60$2,351,576$1,439,217$1,236,218$1,992,084
61$2,554,245$1,472,547$1,240,440$2,112,349
62$2,776,415$1,506,339$1,243,632$2,242,920
63$3,020,038$1,540,579$1,245,722$2,384,812
64$3,287,264$1,575,249$1,246,636$2,539,143
65$3,580,462$1,610,333$1,246,295$2,707,146
66$3,902,239$1,645,810$1,244,616$2,890,179
67$4,255,470$1,681,657$1,241,513$3,089,738
68$4,643,319$1,717,849$1,236,895$3,307,472
69$5,069,273$1,754,359$1,230,666$3,545,200
70$5,537,173$1,791,157$1,222,728$3,804,924
71$6,051,250$1,828,209$1,212,974$4,088,851
72$6,616,165$1,865,479$1,201,297$4,399,415
73$7,237,054$1,902,927$1,187,580$4,739,298
74$7,919,574$1,940,511$1,171,705$5,111,456
75$8,669,957$1,978,183$1,153,544$5,519,145
76$9,495,071$2,015,892$1,132,966$5,965,957
77$10,402,482$2,053,584$1,109,833$6,455,849
78$11,400,523$2,091,198$1,084,001$6,993,183
79$12,498,381$2,128,671$1,055,319$7,582,766
80$13,706,172$2,165,932$1,023,629$8,229,899
81$15,035,046$2,202,908$988,765$8,940,422
82$16,497,287$2,239,516$950,555$9,720,773
83$18,106,430$2,275,672$908,818$10,578,048
84$19,877,387$2,311,281$863,365$11,520,068
85$21,826,591$2,346,245$813,998$12,555,454
86$23,972,148$2,380,455$760,512$13,693,708
87$26,334,008$2,413,798$702,690$14,945,303
88$28,934,153$2,446,151$640,306$16,321,783
89$31,796,807$2,477,383$573,127$17,835,870
90$34,948,660$2,507,353$500,905$19,501,589
91$38,419,122$2,535,912$423,384$21,334,397
92$42,240,601$2,562,900$340,295$23,351,330
93$46,448,806$2,588,146$251,359$25,571,165
94$51,083,088$2,611,469$156,283$28,014,600
95$56,186,806$2,632,674$54,762$30,704,446
96$61,807,741$2,651,555$0$33,665,844
97$67,998,542$2,667,893$0$36,936,225
98$74,817,227$2,681,454$0$40,547,644
99$82,327,727$2,691,988$0$44,523,882
100$90,600,491$2,699,231$0$48,902,107