Can I retire at age 52 with 1,160,000?

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 $1,160,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.7%
1 years$95,792$94,938$94,106$93,293$92,500$90,707
2 years$47,422$46,538$45,683$44,853$44,048$42,248
3 years$31,300$30,413$29,560$28,738$27,946$26,196
4 years$23,241$22,357$21,512$20,704$19,931$18,245
5 years$18,407$17,528$16,694$15,902$15,151$13,533
6 years$15,185$14,313$13,491$12,717$11,989$10,441
7 years$12,885$12,020$11,211$10,456$9,750$8,273
8 years$11,161$10,303$9,508$8,771$8,089$6,681
9 years$9,820$8,971$8,189$7,471$6,812$5,473
10 years$8,748$7,908$7,140$6,440$5,804$4,533
11 years$7,872$7,040$6,286$5,605$4,992$3,787
12 years$7,142$6,318$5,578$4,916$4,326$3,186
13 years$6,525$5,710$4,984$4,340$3,772$2,695
14 years$5,997$5,190$4,478$3,853$3,307$2,290
15 years$5,539$4,741$4,043$3,436$2,911$1,954
16 years$5,139$4,350$3,666$3,077$2,573$1,672
17 years$4,787$4,006$3,336$2,764$2,281$1,435
18 years$4,474$3,702$3,045$2,491$2,029$1,234
19 years$4,194$3,431$2,788$2,251$1,808$1,063
20 years$3,942$3,188$2,558$2,039$1,615$917
21 years$3,715$2,970$2,353$1,850$1,445$793
22 years$3,509$2,772$2,169$1,682$1,295$686
23 years$3,321$2,593$2,002$1,532$1,163$594
24 years$3,149$2,429$1,852$1,397$1,045$515
25 years$2,991$2,280$1,715$1,276$941$447
26 years$2,845$2,143$1,591$1,167$847$388
27 years$2,710$2,016$1,477$1,068$764$337
28 years$2,585$1,900$1,373$979$689$293
29 years$2,469$1,792$1,278$897$622$255
30 years$2,361$1,693$1,190$824$562$221
31 years$2,260$1,600$1,110$756$508$193
32 years$2,166$1,514$1,035$695$460$168
33 years$2,077$1,434$967$639$416$146
34 years$1,994$1,359$903$588$377$127
35 years$1,916$1,289$844$541$341$111
36 years$1,842$1,223$790$499$309$96
37 years$1,773$1,162$739$459$280$84
38 years$1,707$1,104$692$423$254$73
39 years$1,645$1,050$649$390$230$64
40 years$1,586$999$608$360$209$55
41 years$1,530$951$570$332$190$48
42 years$1,477$906$535$307$172$42
43 years$1,426$863$502$283$156$37
44 years$1,378$823$471$261$142$32
45 years$1,332$784$442$241$129$28
46 years$1,289$748$415$223$117$24
47 years$1,247$714$390$206$106$21
48 years$1,207$682$367$190$96$18
49 years$1,169$651$345$176$87$16
50 years$1,133$622$324$163$79$14

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,160,000, adding $5,218 every year, while hoping to spend $47,931 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: 65/27/8 Blend
51$1,160,000$1,160,000$1,160,000$1,160,000
52$1,283,702$1,222,222$1,204,242$1,364,810
53$1,363,642$1,231,113$1,193,586$1,428,343
54$1,450,129$1,238,833$1,180,967$1,491,569
55$1,543,780$1,245,274$1,166,267$1,559,396
56$1,645,275$1,250,322$1,149,366$1,632,270
57$1,755,359$1,253,853$1,130,136$1,710,678
58$1,874,853$1,255,739$1,108,443$1,795,162
59$2,004,659$1,255,842$1,084,147$1,886,317
60$2,145,771$1,254,015$1,057,103$1,984,800
61$2,299,280$1,250,102$1,027,156$2,091,339
62$2,466,388$1,243,939$994,148$2,206,733
63$2,648,417$1,235,350$957,910$2,331,866
64$2,846,823$1,224,149$918,267$2,467,715
65$3,063,207$1,210,140$875,037$2,615,354
66$3,299,331$1,193,114$828,027$2,775,973
67$3,557,136$1,172,850$777,039$2,950,881
68$3,838,757$1,149,112$721,863$3,141,524
69$4,146,545$1,121,654$662,281$3,349,500
70$4,483,089$1,090,211$598,063$3,576,568
71$4,851,239$1,054,506$528,973$3,824,673
72$5,254,133$1,014,244$454,761$4,095,957
73$5,695,225$969,114$375,167$4,392,787
74$6,178,323$918,785$289,919$4,717,772
75$6,707,615$862,908$198,734$5,073,792
76$7,287,716$801,115$101,317$5,464,024
77$7,923,710$733,016$0$5,891,972
78$8,621,193$658,199$0$6,361,730
79$9,386,331$576,227$0$6,886,580
80$10,225,915$486,641$0$7,462,599
81$11,147,426$388,954$0$8,095,008
82$12,159,102$282,651$0$8,789,561
83$13,270,021$167,191$0$9,552,609
84$14,490,180$42,000$0$10,391,149
85$15,830,593$0$0$11,312,900
86$17,303,395$0$0$12,354,160
87$18,921,952$0$0$13,512,264
88$20,700,991$0$0$14,785,281
89$22,656,735$0$0$16,184,831
90$24,807,059$0$0$17,723,716
91$27,171,655$0$0$19,416,041
92$29,772,219$0$0$21,277,344
93$32,632,657$0$0$23,324,747
94$35,779,304$0$0$25,577,115
95$39,241,180$0$0$28,055,232
96$43,050,258$0$0$30,781,997
97$47,241,765$0$0$33,782,645
98$51,854,519$0$0$37,084,976
99$56,931,287$0$0$40,719,625
100$62,519,195$0$0$44,720,346