Can I retire at age 52 with 1,450,000?

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 $1,450,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.1%
1 years$119,740$118,673$117,632$116,617$115,625$113,663
2 years$59,277$58,173$57,103$56,066$55,060$53,089
3 years$39,125$38,017$36,950$35,922$34,932$33,014
4 years$29,052$27,946$26,890$25,880$24,914$23,063
5 years$23,009$21,910$20,868$19,878$18,939$17,161
6 years$18,982$17,891$16,864$15,897$14,986$13,283
7 years$16,106$15,025$14,014$13,070$12,188$10,560
8 years$13,951$12,879$11,885$10,964$10,111$8,558
9 years$12,275$11,214$10,237$9,339$8,515$7,036
10 years$10,935$9,884$8,925$8,050$7,255$5,849
11 years$9,840$8,799$7,857$7,006$6,239$4,905
12 years$8,928$7,898$6,973$6,145$5,407$4,142
13 years$8,156$7,137$6,230$5,425$4,715$3,518
14 years$7,496$6,488$5,598$4,816$4,133$3,002
15 years$6,924$5,927$5,054$4,295$3,639$2,571
16 years$6,424$5,438$4,582$3,846$3,216$2,210
17 years$5,983$5,008$4,169$3,455$2,852$1,904
18 years$5,592$4,627$3,806$3,114$2,536$1,645
19 years$5,242$4,289$3,484$2,814$2,260$1,424
20 years$4,928$3,985$3,198$2,548$2,019$1,234
21 years$4,644$3,712$2,941$2,313$1,807$1,071
22 years$4,386$3,465$2,711$2,103$1,619$931
23 years$4,151$3,241$2,503$1,915$1,454$810
24 years$3,936$3,036$2,315$1,747$1,307$706
25 years$3,738$2,850$2,144$1,595$1,176$615
26 years$3,556$2,678$1,989$1,459$1,059$537
27 years$3,388$2,520$1,846$1,335$955$468
28 years$3,232$2,375$1,717$1,223$862$409
29 years$3,087$2,241$1,597$1,122$778$357
30 years$2,952$2,116$1,488$1,029$703$312
31 years$2,825$2,000$1,387$945$635$273
32 years$2,707$1,893$1,294$869$575$239
33 years$2,597$1,792$1,208$799$520$209
34 years$2,493$1,699$1,129$735$471$183
35 years$2,395$1,611$1,056$677$427$160
36 years$2,303$1,529$988$623$387$140
37 years$2,216$1,453$924$574$350$123
38 years$2,134$1,380$866$529$318$107
39 years$2,056$1,313$811$488$288$94
40 years$1,982$1,249$760$450$261$82
41 years$1,912$1,189$713$415$237$72
42 years$1,846$1,132$669$383$215$63
43 years$1,783$1,079$627$354$195$55
44 years$1,723$1,028$589$327$177$48
45 years$1,666$981$553$302$161$42
46 years$1,611$935$519$279$146$37
47 years$1,559$893$488$257$133$33
48 years$1,509$852$458$238$120$29
49 years$1,461$814$431$220$109$25
50 years$1,416$777$405$203$99$22

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,450,000, adding $5,320 every year, while hoping to spend $51,378 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: 62/9/29 Blend
51$1,450,000$1,450,000$1,450,000$1,450,000
52$1,603,388$1,526,538$1,504,063$1,689,985
53$1,712,267$1,546,672$1,499,783$1,769,647
54$1,830,531$1,566,071$1,493,638$1,850,573
55$1,959,081$1,584,645$1,485,511$1,937,859
56$2,098,911$1,602,296$1,475,279$2,032,138
57$2,251,114$1,618,923$1,462,815$2,134,109
58$2,416,892$1,634,415$1,447,984$2,244,544
59$2,597,569$1,648,655$1,430,645$2,364,292
60$2,794,601$1,661,518$1,410,651$2,494,295
61$3,009,590$1,672,873$1,387,848$2,635,587
62$3,244,301$1,682,577$1,362,074$2,789,314
63$3,500,677$1,690,480$1,333,161$2,956,736
64$3,780,855$1,696,422$1,300,930$3,139,247
65$4,087,188$1,700,233$1,265,198$3,338,385
66$4,422,270$1,701,733$1,225,770$3,555,843
67$4,788,953$1,700,729$1,182,445$3,793,495
68$5,190,379$1,697,018$1,135,010$4,053,404
69$5,630,008$1,690,383$1,083,243$4,337,847
70$6,111,652$1,680,594$1,026,915$4,649,337
71$6,639,505$1,667,408$965,782$4,990,646
72$7,218,191$1,650,567$899,591$5,364,831
73$7,852,798$1,629,796$828,079$5,775,266
74$8,548,933$1,604,806$750,969$6,225,671
75$9,312,771$1,575,289$667,974$6,720,150
76$10,151,114$1,540,918$578,791$7,263,228
77$11,071,453$1,501,349$483,107$7,859,899
78$12,082,043$1,456,216$380,592$8,515,668
79$13,191,973$1,405,133$270,904$9,236,609
80$14,411,260$1,347,690$153,684$10,029,417
81$15,750,935$1,283,454$28,560$10,901,478
82$17,223,154$1,211,966$0$11,860,938
83$18,841,307$1,132,743$0$12,949,257
84$20,620,144$1,045,272$0$14,155,401
85$22,575,920$949,011$0$15,481,575
86$24,726,539$843,388$0$16,939,959
87$27,091,729$727,797$0$18,543,974
88$29,693,225$601,599$0$20,308,407
89$32,554,976$464,119$0$22,249,556
90$35,703,366$314,644$0$24,385,381
91$39,167,467$152,419$0$26,735,671
92$42,979,311$0$0$29,322,237
93$47,174,190$0$0$32,171,423
94$51,790,994$0$0$35,323,922
95$56,872,570$0$0$38,793,912
96$62,466,132$0$0$42,613,651
97$68,623,703$0$0$46,818,680
98$75,402,606$0$0$51,448,163
99$82,866,005$0$0$56,545,253
100$91,083,498$0$0$62,157,502