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%18.1%
1 years$95,792$94,938$94,106$93,293$92,500$89,467
2 years$47,422$46,538$45,683$44,853$44,048$41,021
3 years$31,300$30,413$29,560$28,738$27,946$25,021
4 years$23,241$22,357$21,512$20,704$19,931$17,130
5 years$18,407$17,528$16,694$15,902$15,151$12,481
6 years$15,185$14,313$13,491$12,717$11,989$9,452
7 years$12,885$12,020$11,211$10,456$9,750$7,346
8 years$11,161$10,303$9,508$8,771$8,089$5,816
9 years$9,820$8,971$8,189$7,471$6,812$4,668
10 years$8,748$7,908$7,140$6,440$5,804$3,785
11 years$7,872$7,040$6,286$5,605$4,992$3,094
12 years$7,142$6,318$5,578$4,916$4,326$2,545
13 years$6,525$5,710$4,984$4,340$3,772$2,105
14 years$5,997$5,190$4,478$3,853$3,307$1,747
15 years$5,539$4,741$4,043$3,436$2,911$1,455
16 years$5,139$4,350$3,666$3,077$2,573$1,216
17 years$4,787$4,006$3,336$2,764$2,281$1,018
18 years$4,474$3,702$3,045$2,491$2,029$853
19 years$4,194$3,431$2,788$2,251$1,808$717
20 years$3,942$3,188$2,558$2,039$1,615$603
21 years$3,715$2,970$2,353$1,850$1,445$508
22 years$3,509$2,772$2,169$1,682$1,295$428
23 years$3,321$2,593$2,002$1,532$1,163$361
24 years$3,149$2,429$1,852$1,397$1,045$304
25 years$2,991$2,280$1,715$1,276$941$257
26 years$2,845$2,143$1,591$1,167$847$217
27 years$2,710$2,016$1,477$1,068$764$183
28 years$2,585$1,900$1,373$979$689$155
29 years$2,469$1,792$1,278$897$622$131
30 years$2,361$1,693$1,190$824$562$111
31 years$2,260$1,600$1,110$756$508$94
32 years$2,166$1,514$1,035$695$460$79
33 years$2,077$1,434$967$639$416$67
34 years$1,994$1,359$903$588$377$57
35 years$1,916$1,289$844$541$341$48
36 years$1,842$1,223$790$499$309$41
37 years$1,773$1,162$739$459$280$34
38 years$1,707$1,104$692$423$254$29
39 years$1,645$1,050$649$390$230$25
40 years$1,586$999$608$360$209$21
41 years$1,530$951$570$332$190$18
42 years$1,477$906$535$307$172$15
43 years$1,426$863$502$283$156$13
44 years$1,378$823$471$261$142$11
45 years$1,332$784$442$241$129$9
46 years$1,289$748$415$223$117$8
47 years$1,247$714$390$206$106$7
48 years$1,207$682$367$190$96$6
49 years$1,169$651$345$176$87$5
50 years$1,133$622$324$163$79$4

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 $4,851 every year, while hoping to spend $55,433 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: 62/31/7 Blend
51$1,160,000$1,160,000$1,160,000$1,160,000
52$1,283,324$1,221,844$1,203,864$1,360,839
53$1,355,243$1,222,734$1,185,213$1,414,085
54$1,432,639$1,221,810$1,164,079$1,465,286
55$1,516,014$1,218,924$1,140,322$1,519,749
56$1,605,916$1,213,920$1,113,791$1,577,786
57$1,702,949$1,206,631$1,084,333$1,639,747
58$1,807,776$1,196,883$1,051,784$1,706,014
59$1,921,126$1,184,487$1,015,976$1,777,013
60$2,043,800$1,169,246$976,730$1,853,214
61$2,176,678$1,150,949$933,861$1,935,137
62$2,320,729$1,129,375$887,175$2,023,357
63$2,477,017$1,104,288$836,469$2,118,511
64$2,646,712$1,075,438$781,531$2,221,303
65$2,831,104$1,042,562$722,139$2,332,509
66$3,031,608$1,005,379$658,062$2,452,992
67$3,249,783$963,593$589,057$2,583,702
68$3,487,343$916,892$514,874$2,725,691
69$3,746,177$864,944$435,246$2,880,122
70$4,028,359$807,399$349,900$3,048,279
71$4,336,177$743,886$258,546$3,231,584
72$4,672,145$674,015$160,886$3,431,607
73$5,039,033$597,371$56,605$3,650,082
74$5,439,889$513,517$0$3,888,926
75$5,878,069$421,990$0$4,154,342
76$6,357,267$322,303$0$4,449,363
77$6,881,552$213,939$0$4,772,369
78$7,455,403$96,355$0$5,126,243
79$8,083,753$0$0$5,514,168
80$8,772,034$0$0$5,950,242
81$9,526,226$0$0$6,464,177
82$10,352,919$0$0$7,027,604
83$11,259,368$0$0$7,645,479
84$12,253,563$0$0$8,323,261
85$13,344,308$0$0$9,066,962
86$14,541,296$0$0$9,883,205
87$15,855,207$0$0$10,779,283
88$17,297,803$0$0$11,763,234
89$18,882,044$0$0$12,843,908
90$20,622,202$0$0$14,031,056
91$22,534,004$0$0$15,335,422
92$24,634,773$0$0$16,768,839
93$26,943,592$0$0$18,344,344
94$29,481,487$0$0$20,076,300
95$32,271,621$0$0$21,980,533
96$35,339,514$0$0$24,074,475
97$38,713,282$0$0$26,377,335
98$42,423,902$0$0$28,910,276
99$46,505,505$0$0$31,696,614
100$50,995,693$0$0$34,762,039