Can I retire at age 52 with 1,150,000?

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 $1,150,000?

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%
1 years$94,966$94,120$93,295$92,489$91,703$89,053
2 years$47,013$46,137$45,289$44,466$43,668$41,019
3 years$31,031$30,151$29,305$28,490$27,705$25,140
4 years$23,041$22,164$21,326$20,525$19,759$17,299
5 years$18,248$17,377$16,550$15,765$15,021$12,671
6 years$15,055$14,190$13,375$12,608$11,885$9,648
7 years$12,774$11,916$11,115$10,365$9,666$7,541
8 years$11,064$10,215$9,426$8,695$8,019$6,006
9 years$9,735$8,894$8,119$7,407$6,753$4,850
10 years$8,673$7,839$7,078$6,384$5,754$3,957
11 years$7,804$6,979$6,231$5,556$4,949$3,256
12 years$7,081$6,264$5,530$4,874$4,288$2,696
13 years$6,469$5,661$4,941$4,303$3,739$2,244
14 years$5,945$5,145$4,439$3,820$3,278$1,876
15 years$5,491$4,700$4,008$3,406$2,886$1,574
16 years$5,095$4,313$3,634$3,050$2,551$1,324
17 years$4,745$3,972$3,307$2,740$2,262$1,117
18 years$4,435$3,670$3,019$2,470$2,011$943
19 years$4,158$3,401$2,763$2,232$1,792$798
20 years$3,908$3,161$2,536$2,021$1,601$677
21 years$3,683$2,944$2,333$1,834$1,433$574
22 years$3,479$2,748$2,150$1,668$1,284$488
23 years$3,292$2,570$1,985$1,519$1,153$414
24 years$3,122$2,408$1,836$1,385$1,036$353
25 years$2,965$2,260$1,700$1,265$932$300
26 years$2,820$2,124$1,577$1,157$840$255
27 years$2,687$1,999$1,464$1,059$757$218
28 years$2,563$1,884$1,361$970$683$185
29 years$2,448$1,777$1,267$890$617$158
30 years$2,341$1,678$1,180$816$557$135
31 years$2,241$1,586$1,100$750$504$115
32 years$2,147$1,501$1,026$689$456$98
33 years$2,059$1,422$958$634$413$84
34 years$1,977$1,347$895$583$374$71
35 years$1,900$1,278$837$537$338$61
36 years$1,826$1,213$783$494$307$52
37 years$1,758$1,152$733$455$278$44
38 years$1,692$1,095$686$420$252$38
39 years$1,631$1,041$643$387$228$32
40 years$1,572$990$603$357$207$28
41 years$1,517$943$565$329$188$24
42 years$1,464$898$530$304$171$20
43 years$1,414$856$498$281$155$17
44 years$1,366$816$467$259$141$15
45 years$1,321$778$439$239$128$13
46 years$1,278$742$412$221$116$11
47 years$1,236$708$387$204$105$9
48 years$1,197$676$364$189$96$8
49 years$1,159$645$342$174$87$7
50 years$1,123$617$321$161$79$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,150,000, adding $2,065 every year, while hoping to spend $39,062 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: 62/9/29 Blend
51$1,150,000$1,150,000$1,150,000$1,150,000
52$1,269,430$1,208,480$1,190,655$1,338,110
53$1,357,350$1,226,134$1,188,980$1,402,726
54$1,452,929$1,243,344$1,185,940$1,468,844
55$1,556,907$1,260,046$1,181,448$1,540,221
56$1,670,097$1,276,174$1,175,412$1,617,378
57$1,793,396$1,291,656$1,167,737$1,700,893
58$1,927,789$1,306,413$1,158,323$1,791,403
59$2,074,361$1,320,366$1,147,065$1,889,608
60$2,234,307$1,333,425$1,133,853$1,996,284
61$2,408,941$1,345,497$1,118,571$2,112,287
62$2,599,709$1,356,483$1,101,100$2,238,558
63$2,808,205$1,366,276$1,081,313$2,376,139
64$3,036,183$1,374,764$1,059,077$2,526,177
65$3,285,573$1,381,827$1,034,256$2,689,940
66$3,558,501$1,387,336$1,006,703$2,868,824
67$3,857,308$1,391,156$976,268$3,064,372
68$4,184,573$1,393,142$942,792$3,278,283
69$4,543,134$1,393,140$906,110$3,512,433
70$4,936,118$1,390,988$866,049$3,768,892
71$5,366,968$1,386,513$822,428$4,049,941
72$5,839,477$1,379,530$775,057$4,358,098
73$6,357,822$1,369,845$723,740$4,696,140
74$6,926,603$1,357,252$668,269$5,067,128
75$7,550,889$1,341,530$608,429$5,474,440
76$8,236,263$1,322,447$543,993$5,921,801
77$8,988,872$1,299,758$474,728$6,413,319
78$9,815,492$1,273,201$400,386$6,953,523
79$10,723,584$1,242,500$320,711$7,547,410
80$11,721,370$1,207,362$235,435$8,200,488
81$12,817,905$1,167,478$144,277$8,918,832
82$14,023,166$1,122,520$46,946$9,709,140
83$15,348,146$1,072,141$0$10,578,798
84$16,804,955$1,015,973$0$11,553,565
85$18,406,934$953,629$0$12,641,454
86$20,168,783$884,699$0$13,837,927
87$22,106,697$808,747$0$15,154,006
88$24,238,520$725,316$0$16,601,841
89$26,583,913$633,920$0$18,194,817
90$29,164,537$534,048$0$19,947,685
91$32,004,261$425,157$0$21,876,700
92$35,129,382$306,676$0$23,999,776
93$38,568,877$178,002$0$26,336,653
94$42,354,674$38,495$0$28,909,084
95$46,521,954$0$0$31,741,040
96$51,109,479$0$0$34,870,083
97$56,159,964$0$0$38,319,203
98$61,720,474$0$0$42,116,742
99$67,842,870$0$0$46,298,134
100$74,584,298$0$0$50,902,420