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%18.9%
1 years$97,443$96,575$95,728$94,902$94,095$90,720
2 years$48,239$47,341$46,470$45,626$44,807$41,444
3 years$31,840$30,938$30,069$29,233$28,427$25,181
4 years$23,642$22,743$21,883$21,061$20,275$17,170
5 years$18,725$17,830$16,982$16,177$15,413$12,458
6 years$15,447$14,560$13,724$12,937$12,195$9,393
7 years$13,107$12,227$11,405$10,636$9,918$7,267
8 years$11,353$10,481$9,672$8,922$8,228$5,726
9 years$9,989$9,126$8,331$7,600$6,929$4,573
10 years$8,899$8,044$7,263$6,551$5,904$3,690
11 years$8,008$7,161$6,394$5,701$5,078$3,001
12 years$7,265$6,427$5,675$5,001$4,400$2,455
13 years$6,638$5,808$5,070$4,415$3,837$2,019
14 years$6,100$5,280$4,555$3,919$3,364$1,667
15 years$5,635$4,823$4,113$3,495$2,962$1,381
16 years$5,228$4,425$3,729$3,130$2,617$1,146
17 years$4,869$4,075$3,393$2,812$2,321$954
18 years$4,551$3,766$3,097$2,534$2,064$795
19 years$4,266$3,490$2,836$2,290$1,839$664
20 years$4,010$3,243$2,602$2,074$1,643$555
21 years$3,779$3,021$2,394$1,882$1,470$464
22 years$3,569$2,820$2,206$1,711$1,318$389
23 years$3,378$2,637$2,037$1,558$1,183$326
24 years$3,203$2,471$1,884$1,421$1,063$273
25 years$3,042$2,319$1,745$1,298$957$229
26 years$2,894$2,179$1,618$1,187$862$192
27 years$2,757$2,051$1,503$1,086$777$162
28 years$2,630$1,933$1,397$995$701$136
29 years$2,512$1,823$1,300$913$633$114
30 years$2,402$1,722$1,211$838$572$96
31 years$2,299$1,628$1,129$769$517$80
32 years$2,203$1,540$1,053$707$468$68
33 years$2,113$1,459$983$650$423$57
34 years$2,029$1,382$919$598$383$48
35 years$1,949$1,311$859$551$347$40
36 years$1,874$1,245$804$507$315$34
37 years$1,803$1,182$752$467$285$28
38 years$1,736$1,123$704$431$258$24
39 years$1,673$1,068$660$397$234$20
40 years$1,613$1,016$619$366$213$17
41 years$1,556$967$580$338$193$14
42 years$1,502$921$544$312$175$12
43 years$1,451$878$511$288$159$10
44 years$1,402$837$479$266$144$8
45 years$1,355$798$450$246$131$7
46 years$1,311$761$423$227$119$6
47 years$1,269$726$397$210$108$5
48 years$1,228$693$373$194$98$4
49 years$1,189$662$351$179$89$4
50 years$1,152$633$330$165$81$3

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 $3,749 every year, while hoping to spend $43,778 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: 47/31/22 Blend
51$1,180,000$1,180,000$1,180,000$1,180,000
52$1,304,227$1,241,687$1,223,397$1,357,187
53$1,390,679$1,255,950$1,217,801$1,408,886
54$1,484,481$1,269,445$1,210,551$1,460,313
55$1,586,338$1,282,088$1,201,544$1,515,239
56$1,697,023$1,293,789$1,190,675$1,574,011
57$1,817,388$1,304,453$1,177,831$1,637,014
58$1,948,369$1,313,978$1,162,895$1,704,673
59$2,090,997$1,322,257$1,145,746$1,777,459
60$2,246,405$1,329,174$1,126,255$1,855,894
61$2,415,842$1,334,607$1,104,289$1,940,553
62$2,600,681$1,338,426$1,079,705$2,032,073
63$2,802,434$1,340,493$1,052,359$2,131,160
64$3,022,765$1,340,660$1,022,096$2,238,593
65$3,263,506$1,338,771$988,755$2,355,233
66$3,526,673$1,334,661$952,168$2,482,033
67$3,814,488$1,328,153$912,160$2,620,045
68$4,129,395$1,319,062$868,547$2,770,435
69$4,474,086$1,307,189$821,136$2,934,489
70$4,851,526$1,292,324$769,727$3,113,627
71$5,264,979$1,274,245$714,110$3,309,421
72$5,718,039$1,252,716$654,065$3,523,606
73$6,214,667$1,227,487$589,364$3,758,101
74$6,759,223$1,198,293$519,767$4,015,023
75$7,356,509$1,164,855$445,025$4,296,711
76$8,011,815$1,126,875$364,875$4,605,751
77$8,730,968$1,084,040$279,047$4,944,996
78$9,520,387$1,036,017$187,254$5,317,598
79$10,387,140$982,456$89,201$5,727,036
80$11,339,015$922,983$0$6,177,154
81$12,384,592$857,207$0$6,675,818
82$13,533,321$784,711$0$7,246,667
83$14,795,614$705,056$0$7,873,990
84$16,182,941$617,778$0$8,563,577
85$17,707,937$522,385$0$9,321,810
86$19,384,524$418,360$0$10,155,733
87$21,228,041$305,154$0$11,073,110
88$23,255,384$182,190$0$12,082,505
89$25,485,172$48,856$0$13,193,361
90$27,937,917$0$0$14,416,092
91$30,636,219$0$0$15,794,757
92$33,604,981$0$0$17,330,098
93$36,871,638$0$0$19,019,660
94$40,466,421$0$0$20,879,096
95$44,422,639$0$0$22,925,657
96$48,776,993$0$0$25,178,349
97$53,569,923$0$0$27,658,116
98$58,845,990$0$0$30,388,033
99$64,654,291$0$0$33,393,529
100$71,048,928$0$0$36,702,621