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

Use the below retirement simulation to view the chances of a successful retirement.
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%16%
1 years$94,140$93,302$92,483$91,685$90,905$88,672
2 years$46,604$45,736$44,895$44,079$43,288$41,052
3 years$30,761$29,889$29,050$28,242$27,464$25,294
4 years$22,841$21,972$21,141$20,347$19,587$17,502
5 years$18,090$17,226$16,406$15,628$14,890$12,894
6 years$14,924$14,066$13,259$12,498$11,782$9,877
7 years$12,663$11,813$11,018$10,275$9,582$7,769
8 years$10,968$10,126$9,344$8,620$7,949$6,227
9 years$9,651$8,816$8,048$7,342$6,694$5,062
10 years$8,597$7,771$7,017$6,329$5,704$4,159
11 years$7,736$6,918$6,177$5,508$4,906$3,446
12 years$7,019$6,209$5,482$4,831$4,251$2,874
13 years$6,413$5,612$4,898$4,265$3,707$2,410
14 years$5,893$5,101$4,401$3,786$3,250$2,030
15 years$5,444$4,660$3,973$3,377$2,861$1,716
16 years$5,051$4,275$3,602$3,023$2,529$1,455
17 years$4,704$3,937$3,278$2,717$2,242$1,237
18 years$4,397$3,638$2,992$2,448$1,994$1,054
19 years$4,122$3,372$2,739$2,212$1,777$899
20 years$3,874$3,133$2,514$2,004$1,587$769
21 years$3,651$2,918$2,313$1,818$1,420$658
22 years$3,448$2,724$2,131$1,653$1,273$563
23 years$3,264$2,548$1,968$1,506$1,143$483
24 years$3,094$2,387$1,820$1,373$1,027$414
25 years$2,939$2,240$1,686$1,254$924$356
26 years$2,796$2,106$1,563$1,147$833$306
27 years$2,664$1,982$1,452$1,050$751$263
28 years$2,541$1,867$1,350$962$677$226
29 years$2,427$1,762$1,256$882$612$194
30 years$2,321$1,664$1,170$809$553$167
31 years$2,221$1,573$1,091$743$500$144
32 years$2,129$1,488$1,018$683$452$124
33 years$2,042$1,409$950$628$409$107
34 years$1,960$1,336$888$578$370$92
35 years$1,883$1,267$830$532$335$79
36 years$1,811$1,202$776$490$304$68
37 years$1,742$1,142$727$451$275$59
38 years$1,678$1,085$681$416$250$51
39 years$1,616$1,032$638$384$226$44
40 years$1,559$982$598$354$205$38
41 years$1,504$935$560$327$186$32
42 years$1,451$890$526$301$169$28
43 years$1,402$848$493$278$153$24
44 years$1,354$808$463$257$139$21
45 years$1,309$771$435$237$126$18
46 years$1,267$735$408$219$115$15
47 years$1,226$702$384$202$104$13
48 years$1,186$670$360$187$95$11
49 years$1,149$640$339$173$86$10
50 years$1,113$611$319$160$78$8

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 $5,760 every year, while hoping to spend $41,156 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: 70/7/23 Blend
51$1,140,000$1,140,000$1,140,000$1,140,000
52$1,262,221$1,201,801$1,184,131$1,342,909
53$1,347,178$1,216,900$1,180,010$1,412,679
54$1,439,422$1,231,359$1,174,371$1,483,670
55$1,539,651$1,245,104$1,167,121$1,560,390
56$1,648,636$1,258,054$1,158,160$1,643,403
57$1,767,223$1,270,126$1,147,385$1,733,332
58$1,896,345$1,281,227$1,134,688$1,830,862
59$2,037,026$1,291,261$1,119,954$1,936,751
60$2,190,396$1,300,126$1,103,065$2,051,834
61$2,357,695$1,307,711$1,083,897$2,177,031
62$2,540,291$1,313,900$1,062,319$2,313,357
63$2,739,688$1,318,569$1,038,194$2,461,930
64$2,957,543$1,321,586$1,011,380$2,623,987
65$3,195,679$1,322,810$981,728$2,800,886
66$3,456,104$1,322,093$949,081$2,994,130
67$3,741,028$1,319,276$913,276$3,205,373
68$4,052,884$1,314,192$874,142$3,436,439
69$4,394,353$1,306,663$831,501$3,689,341
70$4,768,387$1,296,499$785,166$3,966,297
71$5,178,234$1,283,500$734,942$4,269,753
72$5,627,476$1,267,453$680,624$4,602,407
73$6,120,054$1,248,133$622,000$4,967,233
74$6,660,310$1,225,302$558,848$5,367,510
75$7,253,026$1,198,707$490,934$5,806,853
76$7,903,471$1,168,079$418,016$6,289,249
77$8,617,445$1,133,136$339,840$6,819,093
78$9,401,342$1,093,577$256,142$7,401,230
79$10,262,201$1,049,084$166,644$8,041,003
80$11,207,778$999,321$71,060$8,744,301
81$12,246,617$943,934$0$9,517,618
82$13,388,131$882,545$0$10,375,706
83$14,642,688$814,758$0$11,337,968
84$16,021,712$740,151$0$12,395,727
85$17,537,790$658,282$0$13,558,657
86$19,204,786$568,679$0$14,837,421
87$21,037,976$470,847$0$16,243,765
88$23,054,193$364,262$0$17,790,634
89$25,271,980$248,370$0$19,492,291
90$27,711,769$122,586$0$21,364,454
91$30,396,070$0$0$23,424,441
92$33,349,687$0$0$25,692,395
93$36,599,950$0$0$28,198,590
94$40,176,971$0$0$30,956,814
95$44,113,928$0$0$33,992,658
96$48,447,380$0$0$37,334,323
97$53,217,610$0$0$41,012,881
98$58,469,004$0$0$45,062,573
99$64,250,471$0$0$49,521,123
100$70,615,903$0$0$54,430,105