Can I retire at age 52 with 1,170,000?

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 $1,170,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.6%
1 years$96,618$95,757$94,917$94,098$93,297$90,059
2 years$47,830$46,940$46,076$45,239$44,427$41,198
3 years$31,570$30,676$29,814$28,985$28,187$25,068
4 years$23,442$22,550$21,697$20,882$20,103$17,119
5 years$18,566$17,679$16,838$16,040$15,282$12,440
6 years$15,316$14,436$13,608$12,827$12,092$9,395
7 years$12,996$12,124$11,308$10,546$9,834$7,281
8 years$11,257$10,392$9,590$8,847$8,158$5,747
9 years$9,905$9,048$8,260$7,535$6,870$4,599
10 years$8,824$7,976$7,201$6,496$5,854$3,717
11 years$7,940$7,100$6,340$5,653$5,035$3,029
12 years$7,204$6,373$5,626$4,958$4,363$2,483
13 years$6,581$5,759$5,027$4,378$3,805$2,046
14 years$6,048$5,235$4,517$3,886$3,335$1,693
15 years$5,587$4,782$4,078$3,466$2,936$1,405
16 years$5,184$4,388$3,697$3,103$2,595$1,169
17 years$4,828$4,041$3,364$2,788$2,301$975
18 years$4,512$3,734$3,071$2,513$2,046$815
19 years$4,230$3,461$2,812$2,270$1,824$682
20 years$3,976$3,216$2,580$2,056$1,629$571
21 years$3,747$2,995$2,373$1,866$1,458$479
22 years$3,539$2,796$2,187$1,697$1,307$402
23 years$3,350$2,615$2,020$1,545$1,173$338
24 years$3,176$2,450$1,868$1,409$1,054$284
25 years$3,016$2,299$1,730$1,287$949$239
26 years$2,869$2,161$1,605$1,177$855$201
27 years$2,734$2,034$1,490$1,077$770$169
28 years$2,608$1,916$1,385$987$695$142
29 years$2,491$1,808$1,289$905$628$120
30 years$2,382$1,707$1,201$831$567$101
31 years$2,280$1,614$1,119$763$513$85
32 years$2,185$1,527$1,044$701$464$72
33 years$2,095$1,446$975$645$420$60
34 years$2,011$1,371$911$593$380$51
35 years$1,933$1,300$852$546$344$43
36 years$1,858$1,234$797$503$312$36
37 years$1,788$1,172$746$463$283$30
38 years$1,722$1,114$698$427$256$26
39 years$1,659$1,059$654$394$232$22
40 years$1,600$1,008$613$363$211$18
41 years$1,543$959$575$335$191$15
42 years$1,490$914$539$309$174$13
43 years$1,439$870$506$286$157$11
44 years$1,390$830$475$264$143$9
45 years$1,344$791$446$243$130$8
46 years$1,300$755$419$225$118$7
47 years$1,258$720$394$208$107$6
48 years$1,218$688$370$192$97$5
49 years$1,179$657$348$177$88$4
50 years$1,142$627$327$164$80$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,170,000, adding $4,804 every year, while hoping to spend $23,823 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: 69/12/19 Blend
51$1,170,000$1,170,000$1,170,000$1,170,000
52$1,294,295$1,232,285$1,214,150$1,377,284
53$1,400,966$1,267,320$1,229,477$1,468,317
54$1,517,719$1,303,273$1,244,518$1,564,639
55$1,645,556$1,340,163$1,259,240$1,669,447
56$1,785,584$1,378,012$1,273,606$1,783,577
57$1,939,018$1,416,840$1,287,576$1,907,948
58$2,107,199$1,456,665$1,301,111$2,043,575
59$2,291,601$1,497,510$1,314,166$2,191,573
60$2,493,851$1,539,395$1,326,697$2,353,173
61$2,715,739$1,582,340$1,338,656$2,529,728
62$2,959,235$1,626,366$1,349,993$2,722,730
63$3,226,513$1,671,493$1,360,653$2,933,824
64$3,519,964$1,717,744$1,370,582$3,164,820
65$3,842,225$1,765,137$1,379,720$3,417,714
66$4,196,197$1,813,694$1,388,006$3,694,702
67$4,585,080$1,863,436$1,395,375$3,998,208
68$5,012,396$1,914,382$1,401,758$4,330,899
69$5,482,027$1,966,553$1,407,084$4,695,715
70$5,998,248$2,019,969$1,411,276$5,095,895
71$6,565,772$2,074,650$1,414,256$5,535,009
72$7,189,788$2,130,615$1,415,940$6,016,989
73$7,876,014$2,187,883$1,416,242$6,546,169
74$8,630,750$2,246,472$1,415,069$7,127,323
75$9,460,938$2,306,400$1,412,325$7,765,712
76$10,374,225$2,367,686$1,407,910$8,467,136
77$11,379,039$2,430,345$1,401,717$9,237,982
78$12,484,662$2,494,393$1,393,637$10,085,291
79$13,701,326$2,559,847$1,383,551$11,016,819
80$15,040,301$2,626,719$1,371,340$12,041,117
81$16,514,006$2,695,023$1,356,875$13,167,603
82$18,136,127$2,764,771$1,340,022$14,406,659
83$19,921,741$2,835,974$1,320,642$15,769,724
84$21,887,464$2,908,642$1,298,589$17,269,405
85$24,051,602$2,982,782$1,273,708$18,919,592
86$26,434,328$3,058,401$1,245,840$20,735,593
87$29,057,870$3,135,503$1,214,816$22,734,280
88$31,946,722$3,214,092$1,180,461$24,934,240
89$35,127,872$3,294,167$1,142,592$27,355,962
90$38,631,061$3,375,727$1,101,014$30,022,021
91$42,489,060$3,458,768$1,055,529$32,957,296
92$46,737,980$3,543,284$1,005,925$36,189,202
93$51,417,613$3,629,264$951,983$39,747,954
94$56,571,809$3,716,697$893,474$43,666,846
95$62,248,884$3,805,567$830,156$47,982,570
96$68,502,085$3,895,854$761,781$52,735,560
97$75,390,081$3,987,535$688,084$57,970,374
98$82,977,529$4,080,583$608,794$63,736,119
99$91,335,672$4,174,966$523,624$70,086,906
100$100,543,020$4,270,649$432,275$77,082,372