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

Use the below retirement simulation to view the chances of a successful retirement.
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%18.7%
1 years$121,391$120,310$119,255$118,225$117,220$113,106
2 years$60,095$58,975$57,891$56,839$55,819$51,717
3 years$39,665$38,541$37,459$36,417$35,414$31,453
4 years$29,452$28,332$27,261$26,237$25,257$21,469
5 years$23,326$22,212$21,155$20,152$19,200$15,593
6 years$19,244$18,138$17,097$16,116$15,193$11,770
7 years$16,329$15,232$14,207$13,250$12,356$9,116
8 years$14,143$13,057$12,049$11,115$10,250$7,192
9 years$12,444$11,368$10,378$9,467$8,632$5,751
10 years$11,086$10,021$9,048$8,161$7,355$4,646
11 years$9,976$8,921$7,965$7,103$6,326$3,783
12 years$9,051$8,007$7,069$6,230$5,482$3,100
13 years$8,269$7,236$6,316$5,500$4,780$2,552
14 years$7,599$6,577$5,675$4,882$4,190$2,110
15 years$7,020$6,008$5,124$4,354$3,689$1,750
16 years$6,513$5,513$4,645$3,899$3,261$1,456
17 years$6,066$5,077$4,227$3,503$2,891$1,213
18 years$5,669$4,691$3,859$3,157$2,571$1,013
19 years$5,315$4,348$3,532$2,852$2,291$847
20 years$4,996$4,040$3,242$2,583$2,047$709
21 years$4,708$3,763$2,982$2,345$1,831$594
22 years$4,447$3,513$2,748$2,132$1,642$498
23 years$4,208$3,286$2,538$1,942$1,474$418
24 years$3,990$3,078$2,347$1,771$1,325$351
25 years$3,790$2,889$2,174$1,617$1,192$295
26 years$3,605$2,715$2,016$1,479$1,074$248
27 years$3,435$2,555$1,872$1,353$968$209
28 years$3,276$2,408$1,740$1,240$873$176
29 years$3,129$2,271$1,619$1,137$789$148
30 years$2,992$2,145$1,508$1,044$713$124
31 years$2,864$2,028$1,406$958$644$105
32 years$2,745$1,919$1,312$881$583$88
33 years$2,633$1,817$1,225$810$527$74
34 years$2,527$1,722$1,145$745$478$62
35 years$2,428$1,633$1,070$686$433$53
36 years$2,335$1,550$1,001$632$392$44
37 years$2,247$1,473$937$582$355$37
38 years$2,163$1,399$877$537$322$31
39 years$2,084$1,331$822$495$292$26
40 years$2,010$1,266$771$456$265$22
41 years$1,939$1,205$723$421$240$19
42 years$1,872$1,148$678$389$218$16
43 years$1,808$1,094$636$359$198$13
44 years$1,747$1,042$597$331$180$11
45 years$1,689$994$561$306$163$9
46 years$1,633$948$526$283$148$8
47 years$1,580$905$495$261$134$7
48 years$1,530$864$465$241$122$6
49 years$1,481$825$437$223$111$5
50 years$1,435$788$411$206$101$4

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 $5,607 every year, while hoping to spend $33,344 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: 40/43/17 Blend
51$1,470,000$1,470,000$1,470,000$1,470,000
52$1,625,724$1,547,814$1,525,029$1,682,340
53$1,756,070$1,588,179$1,540,639$1,763,535
54$1,898,593$1,629,404$1,555,655$1,847,669
55$2,054,502$1,671,497$1,570,022$1,937,982
56$2,225,124$1,714,463$1,583,680$2,035,053
57$2,411,923$1,758,308$1,596,570$2,139,519
58$2,616,510$1,803,037$1,608,626$2,252,080
59$2,840,661$1,848,651$1,619,782$2,373,509
60$3,086,328$1,895,155$1,629,964$2,504,656
61$3,355,665$1,942,550$1,639,100$2,646,457
62$3,651,042$1,990,834$1,647,109$2,799,943
63$3,975,071$2,040,007$1,653,909$2,966,249
64$4,330,626$2,090,065$1,659,413$3,146,628
65$4,720,876$2,141,004$1,663,529$3,342,456
66$5,149,310$2,192,818$1,666,162$3,555,254
67$5,619,771$2,245,499$1,667,211$3,786,693
68$6,136,495$2,299,035$1,666,569$4,038,618
69$6,704,145$2,353,415$1,664,127$4,313,058
70$7,327,860$2,408,624$1,659,767$4,612,253
71$8,013,300$2,464,645$1,653,368$4,938,668
72$8,766,702$2,521,459$1,644,801$5,295,021
73$9,594,937$2,579,041$1,633,933$5,684,307
74$10,505,573$2,637,367$1,620,622$6,109,826
75$11,506,951$2,696,407$1,604,723$6,575,216
76$12,608,258$2,756,129$1,586,079$7,084,485
77$13,819,618$2,816,497$1,564,530$7,642,051
78$15,152,184$2,877,471$1,539,907$8,252,782
79$16,618,246$2,939,006$1,512,033$8,922,045
80$18,231,342$3,001,052$1,480,722$9,655,754
81$20,006,393$3,063,558$1,445,779$10,460,426
82$21,959,835$3,126,462$1,407,004$11,343,245
83$24,109,782$3,189,703$1,364,182$12,312,129
84$26,476,189$3,253,208$1,317,091$13,375,804
85$29,081,048$3,316,902$1,265,501$14,543,890
86$31,948,586$3,380,702$1,209,167$15,826,985
87$35,105,504$3,444,518$1,147,836$17,236,775
88$38,581,220$3,508,254$1,081,243$18,786,136
89$42,408,149$3,571,803$1,009,109$20,489,262
90$46,622,012$3,635,053$931,146$22,361,796
91$51,262,169$3,697,882$847,051$24,420,980
92$56,371,990$3,760,158$756,507$26,685,817
93$61,999,266$3,821,740$659,183$29,177,252
94$68,196,661$3,882,474$554,736$31,918,369
95$75,022,204$3,942,200$442,803$34,934,612
96$82,539,842$4,000,740$323,010$38,254,023
97$90,820,038$4,057,908$194,963$41,907,510
98$99,940,439$4,113,503$58,252$45,929,136
99$109,986,609$4,167,311$0$50,356,447
100$121,052,835$4,219,100$0$55,246,719