Can I retire at age 52 with 1,140,000?

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 $1,140,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.9%
1 years$94,140$93,302$92,483$91,685$90,905$90,181
2 years$46,604$45,736$44,895$44,079$43,288$42,558
3 years$30,761$29,889$29,050$28,242$27,464$26,751
4 years$22,841$21,972$21,141$20,347$19,587$18,897
5 years$18,090$17,226$16,406$15,628$14,890$14,224
6 years$14,924$14,066$13,259$12,498$11,782$11,141
7 years$12,663$11,813$11,018$10,275$9,582$8,966
8 years$10,968$10,126$9,344$8,620$7,949$7,359
9 years$9,651$8,816$8,048$7,342$6,694$6,129
10 years$8,597$7,771$7,017$6,329$5,704$5,164
11 years$7,736$6,918$6,177$5,508$4,906$4,390
12 years$7,019$6,209$5,482$4,831$4,251$3,760
13 years$6,413$5,612$4,898$4,265$3,707$3,239
14 years$5,893$5,101$4,401$3,786$3,250$2,805
15 years$5,444$4,660$3,973$3,377$2,861$2,439
16 years$5,051$4,275$3,602$3,023$2,529$2,128
17 years$4,704$3,937$3,278$2,717$2,242$1,862
18 years$4,397$3,638$2,992$2,448$1,994$1,634
19 years$4,122$3,372$2,739$2,212$1,777$1,437
20 years$3,874$3,133$2,514$2,004$1,587$1,266
21 years$3,651$2,918$2,313$1,818$1,420$1,118
22 years$3,448$2,724$2,131$1,653$1,273$988
23 years$3,264$2,548$1,968$1,506$1,143$874
24 years$3,094$2,387$1,820$1,373$1,027$774
25 years$2,939$2,240$1,686$1,254$924$687
26 years$2,796$2,106$1,563$1,147$833$610
27 years$2,664$1,982$1,452$1,050$751$542
28 years$2,541$1,867$1,350$962$677$481
29 years$2,427$1,762$1,256$882$612$428
30 years$2,321$1,664$1,170$809$553$381
31 years$2,221$1,573$1,091$743$500$339
32 years$2,129$1,488$1,018$683$452$302
33 years$2,042$1,409$950$628$409$269
34 years$1,960$1,336$888$578$370$240
35 years$1,883$1,267$830$532$335$214
36 years$1,811$1,202$776$490$304$191
37 years$1,742$1,142$727$451$275$170
38 years$1,678$1,085$681$416$250$152
39 years$1,616$1,032$638$384$226$135
40 years$1,559$982$598$354$205$121
41 years$1,504$935$560$327$186$108
42 years$1,451$890$526$301$169$96
43 years$1,402$848$493$278$153$86
44 years$1,354$808$463$257$139$77
45 years$1,309$771$435$237$126$69
46 years$1,267$735$408$219$115$61
47 years$1,226$702$384$202$104$55
48 years$1,186$670$360$187$95$49
49 years$1,149$640$339$173$86$44
50 years$1,113$611$319$160$78$39

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,140,000, adding $5,770 every year, while hoping to spend $59,760 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: 65/24/11 Blend
51$1,140,000$1,140,000$1,140,000$1,140,000
52$1,262,232$1,201,812$1,184,142$1,340,837
53$1,327,395$1,197,116$1,160,226$1,389,297
54$1,397,202$1,190,188$1,133,507$1,434,682
55$1,472,064$1,180,854$1,103,826$1,482,750
56$1,552,430$1,168,932$1,071,020$1,533,760
57$1,638,796$1,154,227$1,034,917$1,587,997
58$1,731,703$1,136,534$995,337$1,645,777
59$1,831,748$1,115,636$952,092$1,707,453
60$1,939,586$1,091,301$904,986$1,773,412
61$2,055,934$1,063,285$853,813$1,844,085
62$2,181,582$1,031,329$798,359$1,919,947
63$2,317,399$995,160$738,400$2,001,527
64$2,464,338$954,487$673,701$2,089,408
65$2,623,448$909,004$604,017$2,184,235
66$2,795,881$858,387$529,093$2,286,725
67$2,982,904$802,291$448,661$2,397,669
68$3,185,912$740,355$362,443$2,517,942
69$3,406,438$672,195$270,147$2,648,512
70$3,646,167$597,405$171,470$2,790,452
71$3,906,955$515,557$66,093$2,944,946
72$4,190,843$426,199$0$3,113,305
73$4,500,078$328,851$0$3,302,421
74$4,837,130$223,008$0$3,517,085
75$5,204,720$108,138$0$3,751,348
76$5,605,841$0$0$4,007,210
77$6,043,789$0$0$4,291,193
78$6,522,192$0$0$4,632,677
79$7,045,042$0$0$5,005,961
80$7,616,738$0$0$5,414,194
81$8,242,119$0$0$5,860,842
82$8,926,516$0$0$6,349,721
83$9,675,798$0$0$6,885,035
84$10,496,428$0$0$7,471,412
85$11,395,524$0$0$8,113,948
86$12,380,924$0$0$8,818,257
87$13,461,262$0$0$9,590,522
88$14,646,045$0$0$10,437,551
89$15,945,745$0$0$11,366,843
90$17,371,897$0$0$12,386,661
91$18,937,207$0$0$13,506,102
92$20,655,670$0$0$14,735,191
93$22,542,702$0$0$16,084,967
94$24,615,287$0$0$17,567,595
95$26,892,131$0$0$19,196,472
96$29,393,846$0$0$20,986,360
97$32,143,136$0$0$22,953,520
98$35,165,013$0$0$25,115,866
99$38,487,034$0$0$27,493,136
100$42,139,561$0$0$30,107,074