Can I retire at age 52 with 1,470,000?

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 $1,470,000?

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 years$121,391$120,310$119,255$118,225$117,220$115,278
2 years$60,095$58,975$57,891$56,839$55,819$53,868
3 years$39,665$38,541$37,459$36,417$35,414$33,515
4 years$29,452$28,332$27,261$26,237$25,257$23,425
5 years$23,326$22,212$21,155$20,152$19,200$17,440
6 years$19,244$18,138$17,097$16,116$15,193$13,506
7 years$16,329$15,232$14,207$13,250$12,356$10,743
8 years$14,143$13,057$12,049$11,115$10,250$8,712
9 years$12,444$11,368$10,378$9,467$8,632$7,167
10 years$11,086$10,021$9,048$8,161$7,355$5,961
11 years$9,976$8,921$7,965$7,103$6,326$5,002
12 years$9,051$8,007$7,069$6,230$5,482$4,227
13 years$8,269$7,236$6,316$5,500$4,780$3,592
14 years$7,599$6,577$5,675$4,882$4,190$3,067
15 years$7,020$6,008$5,124$4,354$3,689$2,629
16 years$6,513$5,513$4,645$3,899$3,261$2,261
17 years$6,066$5,077$4,227$3,503$2,891$1,950
18 years$5,669$4,691$3,859$3,157$2,571$1,685
19 years$5,315$4,348$3,532$2,852$2,291$1,460
20 years$4,996$4,040$3,242$2,583$2,047$1,266
21 years$4,708$3,763$2,982$2,345$1,831$1,100
22 years$4,447$3,513$2,748$2,132$1,642$957
23 years$4,208$3,286$2,538$1,942$1,474$834
24 years$3,990$3,078$2,347$1,771$1,325$727
25 years$3,790$2,889$2,174$1,617$1,192$634
26 years$3,605$2,715$2,016$1,479$1,074$553
27 years$3,435$2,555$1,872$1,353$968$483
28 years$3,276$2,408$1,740$1,240$873$422
29 years$3,129$2,271$1,619$1,137$789$369
30 years$2,992$2,145$1,508$1,044$713$323
31 years$2,864$2,028$1,406$958$644$283
32 years$2,745$1,919$1,312$881$583$247
33 years$2,633$1,817$1,225$810$527$217
34 years$2,527$1,722$1,145$745$478$190
35 years$2,428$1,633$1,070$686$433$166
36 years$2,335$1,550$1,001$632$392$146
37 years$2,247$1,473$937$582$355$128
38 years$2,163$1,399$877$537$322$112
39 years$2,084$1,331$822$495$292$98
40 years$2,010$1,266$771$456$265$86
41 years$1,939$1,205$723$421$240$75
42 years$1,872$1,148$678$389$218$66
43 years$1,808$1,094$636$359$198$58
44 years$1,747$1,042$597$331$180$51
45 years$1,689$994$561$306$163$44
46 years$1,633$948$526$283$148$39
47 years$1,580$905$495$261$134$34
48 years$1,530$864$465$241$122$30
49 years$1,481$825$437$223$111$26
50 years$1,435$788$411$206$101$23

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,470,000, adding $2,497 every year, while hoping to spend $47,714 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: 43/28/29 Blend
51$1,470,000$1,470,000$1,470,000$1,470,000
52$1,622,516$1,544,606$1,521,821$1,678,466
53$1,737,245$1,569,524$1,522,034$1,743,804
54$1,862,077$1,594,064$1,520,656$1,809,860
55$1,997,993$1,618,157$1,517,582$1,880,531
56$2,146,071$1,641,729$1,512,703$1,956,275
57$2,307,498$1,664,702$1,505,906$2,037,597
58$2,483,579$1,686,989$1,497,071$2,125,055
59$2,675,754$1,708,501$1,486,073$2,219,267
60$2,885,604$1,729,141$1,472,779$2,320,914
61$3,114,872$1,748,805$1,457,054$2,430,752
62$3,365,476$1,767,383$1,438,752$2,549,612
63$3,639,527$1,784,758$1,417,723$2,678,417
64$3,939,351$1,800,803$1,393,809$2,818,184
65$4,267,508$1,815,385$1,366,844$2,970,037
66$4,626,817$1,828,362$1,336,656$3,135,219
67$5,020,381$1,839,581$1,303,063$3,315,101
68$5,451,621$1,848,881$1,265,877$3,511,201
69$5,924,300$1,856,091$1,224,898$3,725,192
70$6,442,566$1,861,027$1,179,919$3,958,923
71$7,010,986$1,863,495$1,130,725$4,214,438
72$7,634,590$1,863,290$1,077,088$4,493,990
73$8,318,919$1,860,192$1,018,771$4,800,072
74$9,070,076$1,853,968$955,527$5,135,432
75$9,894,784$1,844,372$887,097$5,503,107
76$10,800,448$1,831,143$813,210$5,906,447
77$11,795,226$1,814,001$733,585$6,349,152
78$12,888,105$1,792,653$647,927$6,835,307
79$14,088,985$1,766,787$555,926$7,369,418
80$15,408,774$1,736,071$457,261$7,956,462
81$16,859,486$1,700,156$351,597$8,601,927
82$18,454,360$1,658,671$238,582$9,311,873
83$20,207,981$1,611,221$117,850$10,092,985
84$22,136,415$1,557,391$0$10,952,643
85$24,257,368$1,496,742$0$11,902,387
86$26,590,343$1,428,806$0$12,986,933
87$29,156,832$1,353,091$0$14,179,816
88$31,980,512$1,269,076$0$15,492,102
89$35,087,472$1,176,209$0$16,935,988
90$38,506,458$1,073,907$0$18,524,926
91$42,269,143$961,554$0$20,273,741
92$46,410,425$838,500$0$22,198,777
93$50,968,758$704,056$0$24,318,054
94$55,986,511$557,494$0$26,651,433
95$61,510,372$398,048$0$29,220,812
96$67,591,783$224,906$0$32,050,327
97$74,287,430$37,211$0$35,166,586
98$81,659,773$0$0$38,598,920
99$89,777,639$0$0$42,430,790
100$98,716,867$0$0$46,663,228