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%17.7%
1 years$96,618$95,757$94,917$94,098$93,297$90,383
2 years$47,830$46,940$46,076$45,239$44,427$41,517
3 years$31,570$30,676$29,814$28,985$28,187$25,372
4 years$23,442$22,550$21,697$20,882$20,103$17,405
5 years$18,566$17,679$16,838$16,040$15,282$12,709
6 years$15,316$14,436$13,608$12,827$12,092$9,645
7 years$12,996$12,124$11,308$10,546$9,834$7,513
8 years$11,257$10,392$9,590$8,847$8,158$5,962
9 years$9,905$9,048$8,260$7,535$6,870$4,797
10 years$8,824$7,976$7,201$6,496$5,854$3,900
11 years$7,940$7,100$6,340$5,653$5,035$3,196
12 years$7,204$6,373$5,626$4,958$4,363$2,636
13 years$6,581$5,759$5,027$4,378$3,805$2,186
14 years$6,048$5,235$4,517$3,886$3,335$1,820
15 years$5,587$4,782$4,078$3,466$2,936$1,520
16 years$5,184$4,388$3,697$3,103$2,595$1,273
17 years$4,828$4,041$3,364$2,788$2,301$1,069
18 years$4,512$3,734$3,071$2,513$2,046$899
19 years$4,230$3,461$2,812$2,270$1,824$758
20 years$3,976$3,216$2,580$2,056$1,629$639
21 years$3,747$2,995$2,373$1,866$1,458$540
22 years$3,539$2,796$2,187$1,697$1,307$456
23 years$3,350$2,615$2,020$1,545$1,173$386
24 years$3,176$2,450$1,868$1,409$1,054$327
25 years$3,016$2,299$1,730$1,287$949$277
26 years$2,869$2,161$1,605$1,177$855$235
27 years$2,734$2,034$1,490$1,077$770$199
28 years$2,608$1,916$1,385$987$695$169
29 years$2,491$1,808$1,289$905$628$143
30 years$2,382$1,707$1,201$831$567$121
31 years$2,280$1,614$1,119$763$513$103
32 years$2,185$1,527$1,044$701$464$87
33 years$2,095$1,446$975$645$420$74
34 years$2,011$1,371$911$593$380$63
35 years$1,933$1,300$852$546$344$53
36 years$1,858$1,234$797$503$312$45
37 years$1,788$1,172$746$463$283$39
38 years$1,722$1,114$698$427$256$33
39 years$1,659$1,059$654$394$232$28
40 years$1,600$1,008$613$363$211$24
41 years$1,543$959$575$335$191$20
42 years$1,490$914$539$309$174$17
43 years$1,439$870$506$286$157$14
44 years$1,390$830$475$264$143$12
45 years$1,344$791$446$243$130$10
46 years$1,300$755$419$225$118$9
47 years$1,258$720$394$208$107$8
48 years$1,218$688$370$192$97$6
49 years$1,179$657$348$177$88$5
50 years$1,142$627$327$164$80$5

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 $3,388 every year, while hoping to spend $58,212 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: 71/15/14 Blend
51$1,170,000$1,170,000$1,170,000$1,170,000
52$1,292,835$1,230,825$1,212,690$1,380,379
53$1,362,767$1,229,198$1,191,378$1,437,282
54$1,437,881$1,225,541$1,167,401$1,492,173
55$1,518,644$1,219,691$1,140,608$1,550,736
56$1,605,569$1,211,480$1,110,842$1,613,325
57$1,699,220$1,200,725$1,077,937$1,680,326
58$1,800,214$1,187,234$1,041,722$1,752,170
59$1,909,231$1,170,803$1,002,015$1,829,329
60$2,027,017$1,151,218$958,628$1,912,326
61$2,154,394$1,128,249$911,363$2,001,740
62$2,292,263$1,101,654$860,014$2,098,209
63$2,441,615$1,071,176$804,366$2,202,435
64$2,603,541$1,036,545$744,193$2,315,199
65$2,779,239$997,472$679,261$2,437,357
66$2,970,028$953,655$609,322$2,569,859
67$3,177,357$904,770$534,121$2,713,751
68$3,402,822$850,478$453,388$2,870,189
69$3,648,177$790,419$366,844$3,040,451
70$3,915,355$724,213$274,197$3,225,943
71$4,206,479$651,457$175,140$3,428,223
72$4,523,887$571,727$69,355$3,649,006
73$4,870,155$484,572$0$3,890,189
74$5,248,114$389,520$0$4,160,365
75$5,660,883$286,067$0$4,466,820
76$6,111,894$173,685$0$4,801,784
77$6,604,926$51,816$0$5,168,127
78$7,144,141$0$0$5,569,010
79$7,734,120$0$0$6,021,147
80$8,379,907$0$0$6,525,472
81$9,087,056$0$0$7,077,779
82$9,861,685$0$0$7,682,853
83$10,710,531$0$0$8,345,963
84$11,641,012$0$0$9,072,914
85$12,661,299$0$0$9,870,097
86$13,780,392$0$0$10,744,552
87$15,008,203$0$0$11,704,035
88$16,355,650$0$0$12,757,086
89$17,834,760$0$0$13,913,114
90$19,458,781$0$0$15,182,484
91$21,242,305$0$0$16,576,612
92$23,201,409$0$0$18,108,074
93$25,353,801$0$0$19,790,726
94$27,718,992$0$0$21,639,831
95$30,318,474$0$0$23,672,204
96$33,175,926$0$0$25,906,370
97$36,317,435$0$0$28,362,738
98$39,771,740$0$0$31,063,794
99$43,570,508$0$0$34,034,312
100$47,748,624$0$0$37,301,586