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%15.8%
1 years$119,740$118,673$117,632$116,617$115,625$112,876
2 years$59,277$58,173$57,103$56,066$55,060$52,306
3 years$39,125$38,017$36,950$35,922$34,932$32,260
4 years$29,052$27,946$26,890$25,880$24,914$22,344
5 years$23,009$21,910$20,868$19,878$18,939$16,478
6 years$18,982$17,891$16,864$15,897$14,986$12,637
7 years$16,106$15,025$14,014$13,070$12,188$9,951
8 years$13,951$12,879$11,885$10,964$10,111$7,985
9 years$12,275$11,214$10,237$9,339$8,515$6,499
10 years$10,935$9,884$8,925$8,050$7,255$5,346
11 years$9,840$8,799$7,857$7,006$6,239$4,435
12 years$8,928$7,898$6,973$6,145$5,407$3,704
13 years$8,156$7,137$6,230$5,425$4,715$3,111
14 years$7,496$6,488$5,598$4,816$4,133$2,624
15 years$6,924$5,927$5,054$4,295$3,639$2,221
16 years$6,424$5,438$4,582$3,846$3,216$1,886
17 years$5,983$5,008$4,169$3,455$2,852$1,606
18 years$5,592$4,627$3,806$3,114$2,536$1,370
19 years$5,242$4,289$3,484$2,814$2,260$1,171
20 years$4,928$3,985$3,198$2,548$2,019$1,002
21 years$4,644$3,712$2,941$2,313$1,807$859
22 years$4,386$3,465$2,711$2,103$1,619$737
23 years$4,151$3,241$2,503$1,915$1,454$633
24 years$3,936$3,036$2,315$1,747$1,307$544
25 years$3,738$2,850$2,144$1,595$1,176$467
26 years$3,556$2,678$1,989$1,459$1,059$402
27 years$3,388$2,520$1,846$1,335$955$346
28 years$3,232$2,375$1,717$1,223$862$298
29 years$3,087$2,241$1,597$1,122$778$257
30 years$2,952$2,116$1,488$1,029$703$221
31 years$2,825$2,000$1,387$945$635$191
32 years$2,707$1,893$1,294$869$575$165
33 years$2,597$1,792$1,208$799$520$142
34 years$2,493$1,699$1,129$735$471$123
35 years$2,395$1,611$1,056$677$427$106
36 years$2,303$1,529$988$623$387$91
37 years$2,216$1,453$924$574$350$79
38 years$2,134$1,380$866$529$318$68
39 years$2,056$1,313$811$488$288$59
40 years$1,982$1,249$760$450$261$51
41 years$1,912$1,189$713$415$237$44
42 years$1,846$1,132$669$383$215$38
43 years$1,783$1,079$627$354$195$33
44 years$1,723$1,028$589$327$177$28
45 years$1,666$981$553$302$161$24
46 years$1,611$935$519$279$146$21
47 years$1,559$893$488$257$133$18
48 years$1,509$852$458$238$120$16
49 years$1,461$814$431$220$109$13
50 years$1,416$777$405$203$99$12

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 $6,175 every year, while hoping to spend $37,727 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: 51/19/30 Blend
51$1,450,000$1,450,000$1,450,000$1,450,000
52$1,604,270$1,527,420$1,504,945$1,672,215
53$1,727,764$1,562,122$1,515,219$1,755,043
54$1,862,590$1,597,260$1,524,573$1,840,812
55$2,009,864$1,632,816$1,532,936$1,933,356
56$2,170,815$1,668,769$1,540,234$2,033,338
57$2,346,795$1,705,095$1,546,389$2,141,490
58$2,539,294$1,741,770$1,551,319$2,258,618
59$2,749,951$1,778,766$1,554,937$2,385,612
60$2,980,571$1,816,051$1,557,153$2,523,453
61$3,233,144$1,853,593$1,557,872$2,673,222
62$3,509,860$1,891,353$1,556,995$2,836,111
63$3,813,128$1,929,292$1,554,418$3,013,436
64$4,145,605$1,967,366$1,550,029$3,206,646
65$4,510,217$2,005,527$1,543,715$3,417,340
66$4,910,185$2,043,723$1,535,355$3,647,281
67$5,349,057$2,081,899$1,524,822$3,898,414
68$5,830,742$2,119,993$1,511,985$4,172,883
69$6,359,545$2,157,940$1,496,704$4,473,050
70$6,940,209$2,195,670$1,478,835$4,801,523
71$7,577,959$2,233,106$1,458,224$5,161,175
72$8,278,550$2,270,167$1,434,713$5,555,176
73$9,048,321$2,306,765$1,408,135$5,987,019
74$9,894,258$2,342,804$1,378,316$6,460,558
75$10,824,055$2,378,185$1,345,073$6,980,040
76$11,846,190$2,412,797$1,308,214$7,550,150
77$12,970,003$2,446,525$1,267,540$8,176,050
78$14,205,782$2,479,244$1,222,842$8,863,435
79$15,564,865$2,510,820$1,173,900$9,618,583
80$17,059,743$2,541,112$1,120,488$10,448,413
81$18,704,177$2,569,967$1,062,364$11,360,556
82$20,513,330$2,597,222$999,280$12,363,424
83$22,503,909$2,622,705$930,975$13,466,292
84$24,694,320$2,646,230$857,175$14,679,383
85$27,104,846$2,667,601$777,596$16,013,969
86$29,757,835$2,686,607$691,940$17,482,476
87$32,677,909$2,703,027$599,896$19,098,601
88$35,892,202$2,716,621$501,138$20,877,447
89$39,430,609$2,727,138$395,328$22,835,659
90$43,326,071$2,734,308$282,112$24,991,589
91$47,614,887$2,737,845$161,120$27,365,465
92$52,337,053$2,737,448$31,965$29,979,586
93$57,536,642$2,732,792$0$32,858,534
94$63,262,217$2,723,536$0$36,063,291
95$69,567,291$2,709,317$0$39,602,958
96$76,510,831$2,689,750$0$43,500,356
97$84,157,814$2,664,426$0$47,791,921
98$92,579,840$2,632,911$0$52,517,805
99$101,855,807$2,594,748$0$57,722,260
100$112,072,656$2,549,448$0$63,454,048