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%11.6%
1 years$121,391$120,310$119,255$118,225$117,220$116,432
2 years$60,095$58,975$57,891$56,839$55,819$55,025
3 years$39,665$38,541$37,459$36,417$35,414$34,637
4 years$29,452$28,332$27,261$26,237$25,257$24,505
5 years$23,326$22,212$21,155$20,152$19,200$18,474
6 years$19,244$18,138$17,097$16,116$15,193$14,493
7 years$16,329$15,232$14,207$13,250$12,356$11,683
8 years$14,143$13,057$12,049$11,115$10,250$9,605
9 years$12,444$11,368$10,378$9,467$8,632$8,015
10 years$11,086$10,021$9,048$8,161$7,355$6,764
11 years$9,976$8,921$7,965$7,103$6,326$5,761
12 years$9,051$8,007$7,069$6,230$5,482$4,943
13 years$8,269$7,236$6,316$5,500$4,780$4,267
14 years$7,599$6,577$5,675$4,882$4,190$3,702
15 years$7,020$6,008$5,124$4,354$3,689$3,225
16 years$6,513$5,513$4,645$3,899$3,261$2,820
17 years$6,066$5,077$4,227$3,503$2,891$2,473
18 years$5,669$4,691$3,859$3,157$2,571$2,175
19 years$5,315$4,348$3,532$2,852$2,291$1,917
20 years$4,996$4,040$3,242$2,583$2,047$1,692
21 years$4,708$3,763$2,982$2,345$1,831$1,497
22 years$4,447$3,513$2,748$2,132$1,642$1,326
23 years$4,208$3,286$2,538$1,942$1,474$1,176
24 years$3,990$3,078$2,347$1,771$1,325$1,045
25 years$3,790$2,889$2,174$1,617$1,192$929
26 years$3,605$2,715$2,016$1,479$1,074$826
27 years$3,435$2,555$1,872$1,353$968$736
28 years$3,276$2,408$1,740$1,240$873$655
29 years$3,129$2,271$1,619$1,137$789$584
30 years$2,992$2,145$1,508$1,044$713$521
31 years$2,864$2,028$1,406$958$644$465
32 years$2,745$1,919$1,312$881$583$415
33 years$2,633$1,817$1,225$810$527$371
34 years$2,527$1,722$1,145$745$478$331
35 years$2,428$1,633$1,070$686$433$296
36 years$2,335$1,550$1,001$632$392$265
37 years$2,247$1,473$937$582$355$237
38 years$2,163$1,399$877$537$322$212
39 years$2,084$1,331$822$495$292$190
40 years$2,010$1,266$771$456$265$170
41 years$1,939$1,205$723$421$240$152
42 years$1,872$1,148$678$389$218$136
43 years$1,808$1,094$636$359$198$122
44 years$1,747$1,042$597$331$180$109
45 years$1,689$994$561$306$163$97
46 years$1,633$948$526$283$148$87
47 years$1,580$905$495$261$134$78
48 years$1,530$864$465$241$122$70
49 years$1,481$825$437$223$111$63
50 years$1,435$788$411$206$101$56

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 $5,280 every year, while hoping to spend $34,466 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: 46/26/28 Blend
51$1,470,000$1,470,000$1,470,000$1,470,000
52$1,625,386$1,547,476$1,524,691$1,686,839
53$1,754,504$1,586,631$1,539,097$1,770,047
54$1,895,637$1,626,549$1,552,830$1,856,531
55$2,049,974$1,667,232$1,565,832$1,949,708
56$2,218,824$1,708,679$1,578,040$2,050,223
57$2,403,628$1,750,889$1,589,389$2,158,788
58$2,605,976$1,793,860$1,599,810$2,276,188
59$2,827,613$1,837,587$1,609,232$2,403,287
60$3,070,467$1,882,066$1,617,578$2,541,036
61$3,336,656$1,927,289$1,624,769$2,690,487
62$3,628,516$1,973,247$1,630,720$2,852,795
63$3,948,619$2,019,930$1,635,343$3,029,238
64$4,299,797$2,067,326$1,638,546$3,221,219
65$4,685,170$2,115,419$1,640,231$3,430,289
66$5,108,176$2,164,192$1,640,297$3,658,156
67$5,572,599$2,213,627$1,638,636$3,906,703
68$6,082,610$2,263,701$1,635,137$4,178,006
69$6,642,803$2,314,389$1,629,680$4,474,351
70$7,258,238$2,365,663$1,622,144$4,798,262
71$7,934,490$2,417,493$1,612,398$5,152,519
72$8,677,702$2,469,843$1,600,307$5,540,186
73$9,494,638$2,522,677$1,585,728$5,964,643
74$10,392,755$2,575,951$1,568,513$6,429,612
75$11,380,263$2,629,620$1,548,506$6,939,201
76$12,466,212$2,683,633$1,525,543$7,497,935
77$13,660,570$2,737,936$1,499,453$8,110,802
78$14,974,322$2,792,468$1,470,058$8,783,304
79$16,419,567$2,847,164$1,437,169$9,521,501
80$18,009,641$2,901,952$1,400,592$10,332,078
81$19,759,233$2,956,757$1,360,121$11,222,401
82$21,684,530$3,011,494$1,315,541$12,200,592
83$23,803,369$3,066,073$1,266,628$13,275,601
84$26,135,400$3,120,398$1,213,147$14,457,297
85$28,702,277$3,174,364$1,154,854$15,756,556
86$31,527,859$3,227,857$1,091,491$17,185,369
87$34,638,436$3,280,758$1,022,791$18,756,952
88$38,062,975$3,332,934$948,474$20,485,874
89$41,833,398$3,384,247$868,247$22,388,191
90$45,984,876$3,434,546$781,804$24,481,606
91$50,556,165$3,483,671$688,827$26,785,627
92$55,589,972$3,531,449$588,980$29,321,761
93$61,133,355$3,577,696$481,917$32,113,712
94$67,238,169$3,622,215$367,273$35,187,607
95$73,961,554$3,664,795$244,669$38,572,244
96$81,366,475$3,705,213$113,708$42,299,366
97$89,522,315$3,743,228$0$46,403,959
98$98,505,529$3,778,583$0$50,932,369
99$108,400,366$3,811,008$0$55,956,076
100$119,299,666$3,840,210$0$61,488,054