Can I retire at age 52 with 1,480,000?

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 $1,480,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.5%
1 years$122,217$121,128$120,066$119,030$118,017$116,785
2 years$60,503$59,377$58,285$57,226$56,199$54,958
3 years$39,935$38,803$37,714$36,665$35,655$34,443
4 years$29,653$28,525$27,446$26,415$25,429$24,257
5 years$23,485$22,364$21,299$20,289$19,331$18,201
6 years$19,375$18,262$17,213$16,226$15,296$14,210
7 years$16,440$15,336$14,304$13,340$12,440$11,399
8 years$14,239$13,146$12,131$11,191$10,320$9,323
9 years$12,529$11,446$10,448$9,532$8,691$7,738
10 years$11,162$10,089$9,109$8,217$7,405$6,496
11 years$10,044$8,982$8,020$7,151$6,369$5,502
12 years$9,112$8,061$7,117$6,272$5,519$4,694
13 years$8,325$7,285$6,359$5,537$4,813$4,029
14 years$7,651$6,622$5,713$4,916$4,219$3,474
15 years$7,067$6,049$5,158$4,384$3,714$3,009
16 years$6,557$5,550$4,677$3,925$3,283$2,615
17 years$6,107$5,111$4,256$3,527$2,911$2,279
18 years$5,708$4,723$3,885$3,178$2,588$1,991
19 years$5,351$4,377$3,556$2,872$2,307$1,743
20 years$5,030$4,068$3,264$2,601$2,061$1,529
21 years$4,740$3,789$3,002$2,361$1,844$1,344
22 years$4,477$3,537$2,767$2,146$1,653$1,182
23 years$4,237$3,308$2,555$1,955$1,484$1,042
24 years$4,017$3,099$2,363$1,783$1,334$919
25 years$3,816$2,909$2,188$1,628$1,200$811
26 years$3,630$2,734$2,030$1,489$1,081$716
27 years$3,458$2,573$1,885$1,363$975$633
28 years$3,299$2,424$1,752$1,248$879$560
29 years$3,151$2,287$1,630$1,145$794$496
30 years$3,013$2,160$1,519$1,051$717$439
31 years$2,884$2,042$1,416$965$649$389
32 years$2,763$1,932$1,321$887$587$345
33 years$2,650$1,829$1,233$816$531$306
34 years$2,544$1,734$1,152$750$481$271
35 years$2,445$1,645$1,077$691$435$240
36 years$2,351$1,561$1,008$636$395$213
37 years$2,262$1,483$943$586$358$189
38 years$2,178$1,409$883$540$324$168
39 years$2,099$1,340$828$498$294$149
40 years$2,023$1,275$776$459$267$132
41 years$1,952$1,213$727$424$242$118
42 years$1,884$1,156$682$391$220$104
43 years$1,820$1,101$640$361$199$93
44 years$1,758$1,050$601$333$181$82
45 years$1,700$1,001$564$308$164$73
46 years$1,644$955$530$284$149$65
47 years$1,591$911$498$263$135$58
48 years$1,540$870$468$243$123$51
49 years$1,492$831$440$224$112$46
50 years$1,445$793$414$207$101$41

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,480,000, adding $4,115 every year, while hoping to spend $50,301 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: 46/43/11 Blend
51$1,480,000$1,480,000$1,480,000$1,480,000
52$1,635,205$1,556,765$1,533,825$1,705,196
53$1,748,476$1,579,526$1,531,688$1,776,780
54$1,871,614$1,601,717$1,527,794$1,848,889
55$2,005,574$1,623,257$1,522,030$1,925,982
56$2,151,404$1,644,058$1,514,280$2,008,536
57$2,310,259$1,664,028$1,504,419$2,097,082
58$2,483,408$1,683,068$1,492,320$2,192,205
59$2,672,250$1,701,072$1,477,847$2,294,549
60$2,878,322$1,717,928$1,460,858$2,404,829
61$3,103,320$1,733,515$1,441,205$2,523,832
62$3,349,107$1,747,706$1,418,734$2,652,427
63$3,617,735$1,760,363$1,393,281$2,791,575
64$3,911,465$1,771,341$1,364,676$2,942,337
65$4,232,783$1,780,486$1,332,742$3,105,885
66$4,584,430$1,787,633$1,297,292$3,283,511
67$4,969,422$1,792,607$1,258,132$3,476,643
68$5,391,081$1,795,222$1,215,057$3,686,860
69$5,853,065$1,795,281$1,167,854$3,915,901
70$6,359,401$1,792,574$1,116,301$4,165,690
71$6,914,528$1,786,878$1,060,165$4,438,348
72$7,523,331$1,777,957$999,202$4,736,219
73$8,191,193$1,765,559$933,158$5,061,890
74$8,924,043$1,749,419$861,766$5,418,214
75$9,728,409$1,729,255$784,750$5,808,344
76$10,611,486$1,704,767$701,817$6,235,758
77$11,581,195$1,675,639$612,667$6,704,296
78$12,646,267$1,641,534$516,980$7,218,195
79$13,816,315$1,602,098$414,428$7,782,131
80$15,101,932$1,556,954$304,664$8,401,264
81$16,514,786$1,505,703$187,328$9,081,291
82$18,067,735$1,447,922$62,044$9,828,494
83$19,774,940$1,383,167$0$10,649,806
84$21,652,006$1,310,963$0$11,561,290
85$23,716,122$1,230,813$0$12,571,294
86$25,986,231$1,142,187$0$13,681,889
87$28,483,199$1,044,526$0$14,903,404
88$31,230,018$937,241$0$16,247,225
89$34,252,022$819,708$0$17,725,913
90$37,577,121$691,266$0$19,353,320
91$41,236,068$551,219$0$21,144,720
92$45,262,750$398,832$0$23,116,958
93$49,694,503$233,327$0$25,288,610
94$54,572,465$53,883$0$27,680,160
95$59,941,967$0$0$30,314,195
96$65,852,956$0$0$33,282,040
97$72,360,468$0$0$36,577,674
98$79,525,148$0$0$40,206,340
99$87,413,819$0$0$44,201,908
100$96,100,112$0$0$48,601,702