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%20%
1 years$122,217$121,128$120,066$119,030$118,017$113,290
2 years$60,503$59,377$58,285$57,226$56,199$51,495
3 years$39,935$38,803$37,714$36,665$35,655$31,124
4 years$29,653$28,525$27,446$26,415$25,429$21,105
5 years$23,485$22,364$21,299$20,289$19,331$15,224
6 years$19,375$18,262$17,213$16,226$15,296$11,409
7 years$16,440$15,336$14,304$13,340$12,440$8,771
8 years$14,239$13,146$12,131$11,191$10,320$6,866
9 years$12,529$11,446$10,448$9,532$8,691$5,447
10 years$11,162$10,089$9,109$8,217$7,405$4,364
11 years$10,044$8,982$8,020$7,151$6,369$3,524
12 years$9,112$8,061$7,117$6,272$5,519$2,862
13 years$8,325$7,285$6,359$5,537$4,813$2,336
14 years$7,651$6,622$5,713$4,916$4,219$1,914
15 years$7,067$6,049$5,158$4,384$3,714$1,573
16 years$6,557$5,550$4,677$3,925$3,283$1,296
17 years$6,107$5,111$4,256$3,527$2,911$1,069
18 years$5,708$4,723$3,885$3,178$2,588$884
19 years$5,351$4,377$3,556$2,872$2,307$732
20 years$5,030$4,068$3,264$2,601$2,061$607
21 years$4,740$3,789$3,002$2,361$1,844$503
22 years$4,477$3,537$2,767$2,146$1,653$418
23 years$4,237$3,308$2,555$1,955$1,484$347
24 years$4,017$3,099$2,363$1,783$1,334$289
25 years$3,816$2,909$2,188$1,628$1,200$240
26 years$3,630$2,734$2,030$1,489$1,081$200
27 years$3,458$2,573$1,885$1,363$975$166
28 years$3,299$2,424$1,752$1,248$879$138
29 years$3,151$2,287$1,630$1,145$794$115
30 years$3,013$2,160$1,519$1,051$717$96
31 years$2,884$2,042$1,416$965$649$80
32 years$2,763$1,932$1,321$887$587$66
33 years$2,650$1,829$1,233$816$531$55
34 years$2,544$1,734$1,152$750$481$46
35 years$2,445$1,645$1,077$691$435$38
36 years$2,351$1,561$1,008$636$395$32
37 years$2,262$1,483$943$586$358$27
38 years$2,178$1,409$883$540$324$22
39 years$2,099$1,340$828$498$294$19
40 years$2,023$1,275$776$459$267$15
41 years$1,952$1,213$727$424$242$13
42 years$1,884$1,156$682$391$220$11
43 years$1,820$1,101$640$361$199$9
44 years$1,758$1,050$601$333$181$7
45 years$1,700$1,001$564$308$164$6
46 years$1,644$955$530$284$149$5
47 years$1,591$911$498$263$135$4
48 years$1,540$870$468$243$123$4
49 years$1,492$831$440$224$112$3
50 years$1,445$793$414$207$101$2

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 $2,933 every year, while hoping to spend $46,758 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: 59/31/10 Blend
51$1,480,000$1,480,000$1,480,000$1,480,000
52$1,633,985$1,555,545$1,532,605$1,726,389
53$1,750,902$1,582,017$1,534,198$1,815,333
54$1,878,176$1,608,219$1,534,276$1,906,736
55$2,016,817$1,634,087$1,532,740$2,005,258
56$2,167,931$1,659,557$1,529,486$2,111,587
57$2,332,739$1,684,554$1,524,403$2,226,481
58$2,512,583$1,709,002$1,517,375$2,350,775
59$2,708,941$1,732,817$1,508,282$2,485,392
60$2,923,440$1,755,913$1,496,996$2,631,348
61$3,157,871$1,778,192$1,483,386$2,789,762
62$3,414,205$1,799,555$1,467,311$2,961,869
63$3,694,614$1,819,893$1,448,625$3,149,031
64$4,001,488$1,839,091$1,427,177$3,352,749
65$4,337,458$1,857,025$1,402,806$3,574,677
66$4,705,424$1,873,564$1,375,345$3,816,640
67$5,108,576$1,888,568$1,344,619$4,080,650
68$5,550,431$1,901,889$1,310,444$4,368,925
69$6,034,860$1,913,366$1,272,629$4,683,912
70$6,566,127$1,922,832$1,230,973$5,028,307
71$7,148,928$1,930,107$1,185,266$5,405,083
72$7,788,436$1,934,999$1,135,290$5,817,519
73$8,490,348$1,937,306$1,080,814$6,269,231
74$9,260,942$1,936,812$1,021,599$6,764,205
75$10,107,130$1,933,288$957,395$7,306,835
76$11,036,529$1,926,491$887,939$7,901,967
77$12,057,529$1,916,163$812,959$8,554,944
78$13,179,371$1,902,029$732,168$9,271,658
79$14,412,239$1,883,801$645,268$10,058,603
80$15,767,350$1,861,169$551,946$10,922,940
81$17,257,061$1,833,808$451,878$11,872,566
82$18,894,988$1,801,371$344,722$12,916,185
83$20,696,131$1,763,493$230,125$14,063,394
84$22,677,017$1,719,785$107,715$15,324,775
85$24,855,856$1,669,837$0$16,711,994
86$27,252,707$1,613,213$0$18,240,356
87$29,889,677$1,549,454$0$19,934,020
88$32,791,119$1,478,072$0$21,797,156
89$35,983,868$1,398,553$0$23,847,044
90$39,497,491$1,310,351$0$26,102,731
91$43,364,566$1,212,889$0$28,585,211
92$47,620,991$1,105,560$0$31,317,626
93$52,306,318$987,718$0$34,325,482
94$57,464,131$858,684$0$37,636,894
95$63,142,450$717,738$0$41,282,852
96$69,394,194$564,121$0$45,297,513
97$76,277,668$397,029$0$49,718,528
98$83,857,122$215,616$0$54,587,393
99$92,203,354$18,986$0$59,949,848
100$101,394,375$0$0$65,856,307