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%17%
1 years$94,140$93,302$92,483$91,685$90,905$88,314
2 years$46,604$45,736$44,895$44,079$43,288$40,698
3 years$30,761$29,889$29,050$28,242$27,464$24,955
4 years$22,841$21,972$21,141$20,347$19,587$17,180
5 years$18,090$17,226$16,406$15,628$14,890$12,590
6 years$14,924$14,066$13,259$12,498$11,782$9,592
7 years$12,663$11,813$11,018$10,275$9,582$7,502
8 years$10,968$10,126$9,344$8,620$7,949$5,978
9 years$9,651$8,816$8,048$7,342$6,694$4,830
10 years$8,597$7,771$7,017$6,329$5,704$3,944
11 years$7,736$6,918$6,177$5,508$4,906$3,247
12 years$7,019$6,209$5,482$4,831$4,251$2,691
13 years$6,413$5,612$4,898$4,265$3,707$2,241
14 years$5,893$5,101$4,401$3,786$3,250$1,875
15 years$5,444$4,660$3,973$3,377$2,861$1,574
16 years$5,051$4,275$3,602$3,023$2,529$1,325
17 years$4,704$3,937$3,278$2,717$2,242$1,118
18 years$4,397$3,638$2,992$2,448$1,994$945
19 years$4,122$3,372$2,739$2,212$1,777$801
20 years$3,874$3,133$2,514$2,004$1,587$679
21 years$3,651$2,918$2,313$1,818$1,420$577
22 years$3,448$2,724$2,131$1,653$1,273$490
23 years$3,264$2,548$1,968$1,506$1,143$417
24 years$3,094$2,387$1,820$1,373$1,027$355
25 years$2,939$2,240$1,686$1,254$924$302
26 years$2,796$2,106$1,563$1,147$833$258
27 years$2,664$1,982$1,452$1,050$751$220
28 years$2,541$1,867$1,350$962$677$187
29 years$2,427$1,762$1,256$882$612$160
30 years$2,321$1,664$1,170$809$553$136
31 years$2,221$1,573$1,091$743$500$116
32 years$2,129$1,488$1,018$683$452$99
33 years$2,042$1,409$950$628$409$85
34 years$1,960$1,336$888$578$370$72
35 years$1,883$1,267$830$532$335$62
36 years$1,811$1,202$776$490$304$53
37 years$1,742$1,142$727$451$275$45
38 years$1,678$1,085$681$416$250$39
39 years$1,616$1,032$638$384$226$33
40 years$1,559$982$598$354$205$28
41 years$1,504$935$560$327$186$24
42 years$1,451$890$526$301$169$21
43 years$1,402$848$493$278$153$18
44 years$1,354$808$463$257$139$15
45 years$1,309$771$435$237$126$13
46 years$1,267$735$408$219$115$11
47 years$1,226$702$384$202$104$9
48 years$1,186$670$360$187$95$8
49 years$1,149$640$339$173$86$7
50 years$1,113$611$319$160$78$6

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 $2,489 every year, while hoping to spend $28,158 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: 62/33/5 Blend
51$1,140,000$1,140,000$1,140,000$1,140,000
52$1,258,847$1,198,427$1,180,757$1,335,762
53$1,357,290$1,227,190$1,190,353$1,416,112
54$1,464,830$1,256,419$1,199,326$1,500,246
55$1,582,365$1,286,107$1,207,626$1,591,336
56$1,710,885$1,316,245$1,215,201$1,690,051
57$1,851,479$1,346,824$1,221,993$1,797,131
58$2,005,344$1,377,833$1,227,944$1,913,387
59$2,173,802$1,409,259$1,232,993$2,039,713
60$2,358,306$1,441,089$1,237,074$2,177,095
61$2,560,456$1,473,305$1,240,119$2,326,617
62$2,782,016$1,505,891$1,242,057$2,489,474
63$3,024,928$1,538,826$1,242,812$2,666,982
64$3,291,330$1,572,087$1,242,306$2,860,591
65$3,583,578$1,605,652$1,240,455$3,071,897
66$3,904,265$1,639,491$1,237,173$3,302,659
67$4,256,251$1,673,576$1,232,368$3,554,815
68$4,642,682$1,707,875$1,225,946$3,830,500
69$5,067,026$1,742,352$1,217,806$4,132,065
70$5,533,103$1,776,967$1,207,843$4,462,101
71$6,045,121$1,811,680$1,195,947$4,823,464
72$6,607,716$1,846,445$1,182,004$5,219,299
73$7,225,994$1,881,212$1,165,892$5,653,072
74$7,905,581$1,915,927$1,147,485$6,128,602
75$8,652,677$1,950,534$1,126,652$6,650,097
76$9,474,109$1,984,969$1,103,254$7,222,195
77$10,377,401$2,019,166$1,077,146$7,850,005
78$11,370,842$2,053,051$1,048,177$8,539,158
79$12,463,565$2,086,548$1,016,188$9,295,859
80$13,665,632$2,119,572$981,014$10,126,945
81$14,988,130$2,152,035$942,481$11,039,952
82$16,443,274$2,183,838$900,409$12,043,182
83$18,044,522$2,214,881$854,607$13,145,786
84$19,806,705$2,245,051$804,877$14,357,848
85$21,746,162$2,274,232$751,014$15,690,481
86$23,880,897$2,302,297$692,800$17,155,931
87$26,230,749$2,329,110$630,010$18,767,694
88$28,817,578$2,354,528$562,407$20,540,644
89$31,665,468$2,378,398$489,745$22,491,172
90$34,800,961$2,400,554$411,767$24,637,340
91$38,253,301$2,420,824$328,203$26,999,056
92$42,054,714$2,439,019$238,773$29,598,259
93$46,240,706$2,454,943$143,184$32,459,126
94$50,850,407$2,468,384$41,130$35,608,302
95$55,926,932$2,479,118$0$39,075,152
96$61,517,790$2,486,907$0$42,895,651
97$67,675,335$2,491,495$0$47,104,426
98$74,457,255$2,492,615$0$51,738,601
99$81,927,121$2,489,978$0$56,841,512
100$90,154,983$2,483,283$0$62,460,914