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%11%
1 years$95,792$94,938$94,106$93,293$92,500$92,110
2 years$47,422$46,538$45,683$44,853$44,048$43,654
3 years$31,300$30,413$29,560$28,738$27,946$27,561
4 years$23,241$22,357$21,512$20,704$19,931$19,557
5 years$18,407$17,528$16,694$15,902$15,151$14,790
6 years$15,185$14,313$13,491$12,717$11,989$11,641
7 years$12,885$12,020$11,211$10,456$9,750$9,415
8 years$11,161$10,303$9,508$8,771$8,089$7,767
9 years$9,820$8,971$8,189$7,471$6,812$6,503
10 years$8,748$7,908$7,140$6,440$5,804$5,508
11 years$7,872$7,040$6,286$5,605$4,992$4,709
12 years$7,142$6,318$5,578$4,916$4,326$4,055
13 years$6,525$5,710$4,984$4,340$3,772$3,514
14 years$5,997$5,190$4,478$3,853$3,307$3,061
15 years$5,539$4,741$4,043$3,436$2,911$2,677
16 years$5,139$4,350$3,666$3,077$2,573$2,350
17 years$4,787$4,006$3,336$2,764$2,281$2,070
18 years$4,474$3,702$3,045$2,491$2,029$1,828
19 years$4,194$3,431$2,788$2,251$1,808$1,618
20 years$3,942$3,188$2,558$2,039$1,615$1,435
21 years$3,715$2,970$2,353$1,850$1,445$1,275
22 years$3,509$2,772$2,169$1,682$1,295$1,134
23 years$3,321$2,593$2,002$1,532$1,163$1,011
24 years$3,149$2,429$1,852$1,397$1,045$902
25 years$2,991$2,280$1,715$1,276$941$805
26 years$2,845$2,143$1,591$1,167$847$720
27 years$2,710$2,016$1,477$1,068$764$644
28 years$2,585$1,900$1,373$979$689$576
29 years$2,469$1,792$1,278$897$622$516
30 years$2,361$1,693$1,190$824$562$463
31 years$2,260$1,600$1,110$756$508$415
32 years$2,166$1,514$1,035$695$460$372
33 years$2,077$1,434$967$639$416$334
34 years$1,994$1,359$903$588$377$300
35 years$1,916$1,289$844$541$341$270
36 years$1,842$1,223$790$499$309$242
37 years$1,773$1,162$739$459$280$218
38 years$1,707$1,104$692$423$254$196
39 years$1,645$1,050$649$390$230$176
40 years$1,586$999$608$360$209$158
41 years$1,530$951$570$332$190$142
42 years$1,477$906$535$307$172$128
43 years$1,426$863$502$283$156$115
44 years$1,378$823$471$261$142$104
45 years$1,332$784$442$241$129$93
46 years$1,289$748$415$223$117$84
47 years$1,247$714$390$206$106$76
48 years$1,207$682$367$190$96$68
49 years$1,169$651$345$176$87$61
50 years$1,133$622$324$163$79$55

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 $5,856 every year, while hoping to spend $23,197 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: 49/23/28 Blend
51$1,160,000$1,160,000$1,160,000$1,160,000
52$1,284,360$1,222,880$1,204,900$1,336,821
53$1,390,684$1,258,120$1,220,583$1,409,444
54$1,507,075$1,294,309$1,236,014$1,485,544
55$1,634,535$1,331,469$1,251,159$1,567,775
56$1,774,170$1,369,623$1,265,985$1,656,729
57$1,927,194$1,408,794$1,280,454$1,753,057
58$2,094,946$1,449,003$1,294,528$1,857,476
59$2,278,901$1,490,275$1,308,165$1,970,776
60$2,480,684$1,532,632$1,321,323$2,093,828
61$2,702,081$1,576,100$1,333,956$2,227,590
62$2,945,066$1,620,700$1,346,015$2,373,117
63$3,211,806$1,666,459$1,357,450$2,531,574
64$3,504,694$1,713,399$1,368,209$2,704,241
65$3,826,363$1,761,546$1,378,234$2,892,530
66$4,179,715$1,810,924$1,387,467$3,097,998
67$4,567,944$1,861,558$1,395,846$3,322,358
68$4,994,573$1,913,473$1,403,305$3,567,497
69$5,463,480$1,966,693$1,409,777$3,835,499
70$5,978,939$2,021,245$1,415,188$4,128,654
71$6,545,657$2,077,152$1,419,463$4,449,489
72$7,168,821$2,134,440$1,422,523$4,800,789
73$7,854,147$2,193,134$1,424,283$5,185,620
74$8,607,931$2,253,258$1,424,657$5,607,365
75$9,437,109$2,314,837$1,423,552$6,069,747
76$10,349,325$2,377,895$1,420,872$6,576,873
77$11,353,001$2,442,456$1,416,516$7,133,266
78$12,457,414$2,508,544$1,410,377$7,743,911
79$13,672,790$2,576,183$1,402,345$8,414,304
80$15,010,393$2,645,394$1,392,302$9,150,498
81$16,482,636$2,716,200$1,380,126$9,959,166
82$18,103,194$2,788,624$1,365,690$10,847,662
83$19,887,138$2,862,685$1,348,858$11,824,090
84$21,851,073$2,938,403$1,329,492$12,897,379
85$24,013,296$3,015,798$1,307,444$14,077,372
86$26,393,969$3,094,889$1,282,559$15,374,917
87$29,015,306$3,175,691$1,254,677$16,801,966
88$31,901,788$3,258,220$1,223,630$18,371,694
89$35,080,389$3,342,492$1,189,241$20,098,618
90$38,580,833$3,428,519$1,151,324$21,998,739
91$42,435,873$3,516,311$1,109,689$24,089,690
92$46,681,601$3,605,879$1,064,132$26,390,903
93$51,357,787$3,697,229$1,014,443$28,923,795
94$56,508,256$3,790,368$960,401$31,711,968
95$62,181,299$3,885,298$901,776$34,781,433
96$68,430,133$3,982,019$838,327$38,160,855
97$75,313,398$4,080,529$769,803$41,881,827
98$82,895,713$4,180,823$695,939$45,979,163
99$91,248,284$4,282,892$616,462$50,491,234
100$100,449,581$4,386,725$531,085$55,460,324