Can I retire at age 52 with 1,180,000?

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 $1,180,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.4%
1 years$97,443$96,575$95,728$94,902$94,095$90,901
2 years$48,239$47,341$46,470$45,626$44,807$41,621
3 years$31,840$30,938$30,069$29,233$28,427$25,350
4 years$23,642$22,743$21,883$21,061$20,275$17,329
5 years$18,725$17,830$16,982$16,177$15,413$12,606
6 years$15,447$14,560$13,724$12,937$12,195$9,531
7 years$13,107$12,227$11,405$10,636$9,918$7,395
8 years$11,353$10,481$9,672$8,922$8,228$5,844
9 years$9,989$9,126$8,331$7,600$6,929$4,682
10 years$8,899$8,044$7,263$6,551$5,904$3,789
11 years$8,008$7,161$6,394$5,701$5,078$3,092
12 years$7,265$6,427$5,675$5,001$4,400$2,538
13 years$6,638$5,808$5,070$4,415$3,837$2,094
14 years$6,100$5,280$4,555$3,919$3,364$1,735
15 years$5,635$4,823$4,113$3,495$2,962$1,442
16 years$5,228$4,425$3,729$3,130$2,617$1,202
17 years$4,869$4,075$3,393$2,812$2,321$1,004
18 years$4,551$3,766$3,097$2,534$2,064$840
19 years$4,266$3,490$2,836$2,290$1,839$704
20 years$4,010$3,243$2,602$2,074$1,643$591
21 years$3,779$3,021$2,394$1,882$1,470$496
22 years$3,569$2,820$2,206$1,711$1,318$417
23 years$3,378$2,637$2,037$1,558$1,183$351
24 years$3,203$2,471$1,884$1,421$1,063$295
25 years$3,042$2,319$1,745$1,298$957$249
26 years$2,894$2,179$1,618$1,187$862$210
27 years$2,757$2,051$1,503$1,086$777$177
28 years$2,630$1,933$1,397$995$701$149
29 years$2,512$1,823$1,300$913$633$126
30 years$2,402$1,722$1,211$838$572$106
31 years$2,299$1,628$1,129$769$517$89
32 years$2,203$1,540$1,053$707$468$76
33 years$2,113$1,459$983$650$423$64
34 years$2,029$1,382$919$598$383$54
35 years$1,949$1,311$859$551$347$45
36 years$1,874$1,245$804$507$315$38
37 years$1,803$1,182$752$467$285$32
38 years$1,736$1,123$704$431$258$27
39 years$1,673$1,068$660$397$234$23
40 years$1,613$1,016$619$366$213$19
41 years$1,556$967$580$338$193$16
42 years$1,502$921$544$312$175$14
43 years$1,451$878$511$288$159$12
44 years$1,402$837$479$266$144$10
45 years$1,355$798$450$246$131$8
46 years$1,311$761$423$227$119$7
47 years$1,269$726$397$210$108$6
48 years$1,228$693$373$194$98$5
49 years$1,189$662$351$179$89$4
50 years$1,152$633$330$165$81$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,180,000, adding $6,604 every year, while hoping to spend $37,435 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: 50/28/22 Blend
51$1,180,000$1,180,000$1,180,000$1,180,000
52$1,307,172$1,244,632$1,226,342$1,364,167
53$1,400,673$1,265,788$1,227,594$1,425,548
54$1,502,456$1,286,727$1,227,633$1,487,880
55$1,613,328$1,307,397$1,226,379$1,554,849
56$1,734,173$1,327,745$1,223,749$1,626,910
57$1,865,967$1,347,713$1,219,653$1,704,561
58$2,009,784$1,367,240$1,214,000$1,788,357
59$2,166,805$1,386,257$1,206,692$1,878,905
60$2,338,331$1,404,696$1,197,628$1,976,880
61$2,525,794$1,422,479$1,186,701$2,083,023
62$2,730,770$1,439,526$1,173,801$2,198,155
63$2,954,995$1,455,749$1,158,810$2,323,179
64$3,200,380$1,471,056$1,141,605$2,459,093
65$3,469,029$1,485,348$1,122,060$2,607,000
66$3,763,260$1,498,521$1,100,039$2,768,115
67$4,085,626$1,510,461$1,075,403$2,943,779
68$4,438,935$1,521,050$1,048,005$3,135,473
69$4,826,285$1,530,159$1,017,691$3,344,830
70$5,251,083$1,537,654$984,301$3,573,652
71$5,717,085$1,543,390$947,667$3,823,927
72$6,228,426$1,547,215$907,612$4,097,851
73$6,789,663$1,548,966$863,954$4,397,843
74$7,405,812$1,548,469$816,501$4,726,574
75$8,082,403$1,545,542$765,051$5,086,991
76$8,825,523$1,539,989$709,396$5,482,344
77$9,641,882$1,531,603$649,315$5,916,218
78$10,538,867$1,520,165$584,581$6,392,570
79$11,524,621$1,505,443$514,954$6,915,761
80$12,608,112$1,487,189$440,184$7,490,605
81$13,799,220$1,465,142$360,011$8,122,410
82$15,108,831$1,439,024$274,162$8,817,031
83$16,548,938$1,408,543$182,353$9,580,925
84$18,132,755$1,373,387$84,287$10,421,214
85$19,874,840$1,333,227$0$11,345,753
86$21,791,232$1,287,714$0$12,367,985
87$23,899,605$1,236,479$0$13,514,108
88$26,219,431$1,179,132$0$14,774,929
89$28,772,164$1,115,261$0$16,162,147
90$31,581,444$1,044,428$0$17,688,660
91$34,673,317$966,171$0$19,368,683
92$38,076,485$880,003$0$21,217,886
93$41,822,570$785,406$0$23,253,541
94$45,946,418$681,837$0$25,494,687
95$50,486,423$568,718$0$27,962,310
96$55,484,894$445,440$0$30,679,541
97$60,988,447$311,361$0$33,671,878
98$67,048,452$165,801$0$36,967,424
99$73,721,511$8,042$0$40,597,156
100$81,069,997$0$0$44,595,219