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

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 $1,480,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.3%
1 years$122,217$121,128$120,066$119,030$118,017$116,882
2 years$60,503$59,377$58,285$57,226$56,199$55,055
3 years$39,935$38,803$37,714$36,665$35,655$34,538
4 years$29,653$28,525$27,446$26,415$25,429$24,349
5 years$23,485$22,364$21,299$20,289$19,331$18,289
6 years$19,375$18,262$17,213$16,226$15,296$14,294
7 years$16,440$15,336$14,304$13,340$12,440$11,479
8 years$14,239$13,146$12,131$11,191$10,320$9,399
9 years$12,529$11,446$10,448$9,532$8,691$7,811
10 years$11,162$10,089$9,109$8,217$7,405$6,564
11 years$10,044$8,982$8,020$7,151$6,369$5,567
12 years$9,112$8,061$7,117$6,272$5,519$4,756
13 years$8,325$7,285$6,359$5,537$4,813$4,087
14 years$7,651$6,622$5,713$4,916$4,219$3,529
15 years$7,067$6,049$5,158$4,384$3,714$3,060
16 years$6,557$5,550$4,677$3,925$3,283$2,663
17 years$6,107$5,111$4,256$3,527$2,911$2,324
18 years$5,708$4,723$3,885$3,178$2,588$2,034
19 years$5,351$4,377$3,556$2,872$2,307$1,783
20 years$5,030$4,068$3,264$2,601$2,061$1,567
21 years$4,740$3,789$3,002$2,361$1,844$1,379
22 years$4,477$3,537$2,767$2,146$1,653$1,215
23 years$4,237$3,308$2,555$1,955$1,484$1,072
24 years$4,017$3,099$2,363$1,783$1,334$947
25 years$3,816$2,909$2,188$1,628$1,200$837
26 years$3,630$2,734$2,030$1,489$1,081$741
27 years$3,458$2,573$1,885$1,363$975$656
28 years$3,299$2,424$1,752$1,248$879$581
29 years$3,151$2,287$1,630$1,145$794$515
30 years$3,013$2,160$1,519$1,051$717$457
31 years$2,884$2,042$1,416$965$649$405
32 years$2,763$1,932$1,321$887$587$360
33 years$2,650$1,829$1,233$816$531$320
34 years$2,544$1,734$1,152$750$481$284
35 years$2,445$1,645$1,077$691$435$252
36 years$2,351$1,561$1,008$636$395$224
37 years$2,262$1,483$943$586$358$199
38 years$2,178$1,409$883$540$324$177
39 years$2,099$1,340$828$498$294$158
40 years$2,023$1,275$776$459$267$140
41 years$1,952$1,213$727$424$242$125
42 years$1,884$1,156$682$391$220$111
43 years$1,820$1,101$640$361$199$99
44 years$1,758$1,050$601$333$181$88
45 years$1,700$1,001$564$308$164$78
46 years$1,644$955$530$284$149$70
47 years$1,591$911$498$263$135$62
48 years$1,540$870$468$243$123$55
49 years$1,492$831$440$224$112$49
50 years$1,445$793$414$207$101$44

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 $2,723 every year, while hoping to spend $35,634 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: 31/50/19 Blend
51$1,480,000$1,480,000$1,480,000$1,480,000
52$1,633,769$1,555,329$1,532,389$1,674,630
53$1,762,499$1,593,626$1,545,809$1,743,873
54$1,903,165$1,632,605$1,558,486$1,814,936
55$2,056,948$1,672,262$1,570,354$1,890,679
56$2,225,145$1,712,591$1,581,350$1,971,530
57$2,409,188$1,753,586$1,591,403$2,057,961
58$2,610,651$1,795,238$1,600,441$2,150,490
59$2,831,268$1,837,536$1,608,387$2,249,690
60$3,072,951$1,880,468$1,615,161$2,356,191
61$3,337,800$1,924,020$1,620,678$2,470,688
62$3,628,134$1,968,175$1,624,849$2,593,946
63$3,946,504$2,012,915$1,627,580$2,726,809
64$4,295,718$2,058,219$1,628,775$2,870,206
65$4,678,872$2,104,062$1,628,330$3,025,161
66$5,099,375$2,150,420$1,626,138$3,192,806
67$5,560,982$2,197,261$1,622,084$3,374,384
68$6,067,830$2,244,554$1,616,051$3,571,269
69$6,624,474$2,292,263$1,607,914$3,784,974
70$7,235,934$2,340,347$1,597,543$4,017,167
71$7,907,739$2,388,765$1,584,801$4,269,689
72$8,645,982$2,437,467$1,569,545$4,544,566
73$9,457,372$2,486,403$1,551,625$4,844,036
74$10,349,304$2,535,517$1,530,884$5,170,564
75$11,329,921$2,584,746$1,507,157$5,526,867
76$12,408,199$2,634,024$1,480,273$5,915,943
77$13,594,024$2,683,280$1,450,051$6,341,097
78$14,898,289$2,732,435$1,416,302$6,805,972
79$16,332,996$2,781,406$1,378,830$7,314,586
80$17,911,368$2,830,101$1,337,427$7,871,367
81$19,647,975$2,878,424$1,291,878$8,481,200
82$21,558,869$2,926,267$1,241,957$9,149,469
83$23,661,740$2,973,520$1,187,428$9,882,111
84$25,976,074$3,020,059$1,128,044$10,685,672
85$28,523,347$3,065,756$1,063,547$11,567,369
86$31,327,220$3,110,469$993,667$12,535,160
87$34,413,764$3,154,050$918,123$13,597,817
88$37,811,708$3,196,338$836,619$14,765,012
89$41,552,706$3,237,162$748,850$16,047,410
90$45,671,638$3,276,339$654,492$17,456,768
91$50,206,938$3,313,673$553,211$19,006,046
92$55,200,958$3,348,956$444,656$20,709,535
93$60,700,365$3,381,964$328,461$22,582,988
94$66,756,582$3,412,460$204,244$24,643,774
95$73,426,274$3,440,191$71,607$26,911,040
96$80,771,880$3,464,887$0$29,405,893
97$88,862,207$3,486,261$0$32,165,783
98$97,773,072$3,504,008$0$35,218,595
99$107,588,023$3,517,802$0$38,578,168
100$118,399,126$3,527,299$0$42,275,772