Can I retire at age 52 with 1,500,000?

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 $1,500,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14%
1 years$123,869$122,765$121,689$120,638$119,612$117,631
2 years$61,321$60,179$59,072$57,999$56,958$54,968
3 years$40,475$39,328$38,224$37,161$36,137$34,199
4 years$30,053$28,910$27,817$26,772$25,773$23,903
5 years$23,802$22,666$21,587$20,564$19,592$17,796
6 years$19,636$18,508$17,446$16,445$15,503$13,781
7 years$16,662$15,543$14,497$13,520$12,608$10,962
8 years$14,432$13,323$12,295$11,342$10,459$8,889
9 years$12,698$11,600$10,590$9,661$8,808$7,313
10 years$11,312$10,225$9,232$8,328$7,505$6,083
11 years$10,179$9,103$8,128$7,247$6,455$5,104
12 years$9,236$8,170$7,213$6,357$5,593$4,313
13 years$8,438$7,384$6,445$5,612$4,878$3,666
14 years$7,754$6,711$5,791$4,982$4,276$3,130
15 years$7,163$6,131$5,228$4,443$3,765$2,683
16 years$6,646$5,625$4,740$3,978$3,327$2,307
17 years$6,190$5,181$4,313$3,574$2,950$1,990
18 years$5,785$4,787$3,937$3,221$2,623$1,720
19 years$5,423$4,437$3,605$2,911$2,338$1,490
20 years$5,098$4,123$3,308$2,636$2,088$1,292
21 years$4,804$3,840$3,043$2,393$1,869$1,123
22 years$4,537$3,585$2,804$2,175$1,675$977
23 years$4,294$3,353$2,589$1,981$1,504$851
24 years$4,072$3,141$2,395$1,807$1,352$741
25 years$3,867$2,948$2,218$1,650$1,216$647
26 years$3,679$2,770$2,057$1,509$1,096$565
27 years$3,505$2,607$1,910$1,381$988$493
28 years$3,343$2,457$1,776$1,265$891$431
29 years$3,193$2,318$1,652$1,160$805$377
30 years$3,053$2,189$1,539$1,065$727$330
31 years$2,923$2,069$1,435$978$657$288
32 years$2,801$1,958$1,339$899$595$253
33 years$2,686$1,854$1,250$827$538$221
34 years$2,579$1,757$1,168$761$487$194
35 years$2,478$1,667$1,092$700$441$170
36 years$2,382$1,582$1,022$645$400$149
37 years$2,292$1,503$956$594$362$130
38 years$2,207$1,428$895$548$329$114
39 years$2,127$1,358$839$505$298$100
40 years$2,051$1,292$786$466$270$88
41 years$1,978$1,230$737$430$245$77
42 years$1,910$1,171$692$397$222$67
43 years$1,844$1,116$649$366$202$59
44 years$1,782$1,064$609$338$183$52
45 years$1,723$1,014$572$312$166$45
46 years$1,666$968$537$288$151$40
47 years$1,613$923$505$266$137$35
48 years$1,561$882$474$246$125$31
49 years$1,512$842$446$227$113$27
50 years$1,465$804$419$210$103$24

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,500,000, adding $3,610 every year, while hoping to spend $28,241 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: 24/50/26 Blend
51$1,500,000$1,500,000$1,500,000$1,500,000
52$1,656,724$1,577,224$1,553,974$1,682,778
53$1,795,661$1,624,459$1,575,984$1,752,162
54$1,947,824$1,673,063$1,597,784$1,823,811
55$2,114,531$1,723,072$1,619,339$1,899,980
56$2,297,235$1,774,525$1,640,609$1,981,061
57$2,497,536$1,827,459$1,661,552$2,067,489
58$2,717,196$1,881,916$1,682,126$2,159,738
59$2,958,157$1,937,937$1,702,283$2,258,330
60$3,222,555$1,995,562$1,721,976$2,363,839
61$3,512,745$2,054,834$1,741,152$2,476,898
62$3,831,322$2,115,798$1,759,758$2,598,200
63$4,181,143$2,178,498$1,777,735$2,728,510
64$4,565,355$2,242,980$1,795,025$2,868,667
65$4,987,425$2,309,289$1,811,562$3,019,596
66$5,451,172$2,377,475$1,827,279$3,182,314
67$5,960,806$2,447,585$1,842,107$3,357,941
68$6,520,961$2,519,669$1,855,970$3,547,708
69$7,136,744$2,593,779$1,868,791$3,752,973
70$7,813,783$2,669,965$1,880,486$3,975,228
71$8,558,276$2,748,280$1,890,970$4,216,118
72$9,377,053$2,828,779$1,900,151$4,477,452
73$10,277,640$2,911,516$1,907,932$4,761,224
74$11,268,326$2,996,547$1,914,215$5,069,630
75$12,358,247$3,083,930$1,918,893$5,405,085
76$13,557,466$3,173,721$1,921,854$5,770,254
77$14,877,075$3,265,980$1,922,984$6,168,070
78$16,329,292$3,360,768$1,922,158$6,601,761
79$17,927,579$3,458,145$1,919,250$7,074,887
80$19,686,771$3,558,174$1,914,124$7,591,369
81$21,623,215$3,660,917$1,906,640$8,155,523
82$23,754,920$3,766,439$1,896,650$8,772,108
83$26,101,732$3,874,805$1,883,998$9,446,366
84$28,685,519$3,986,081$1,868,522$10,184,070
85$31,530,377$4,100,334$1,850,053$10,991,584
86$34,662,857$4,217,632$1,828,411$11,875,916
87$38,112,215$4,338,043$1,803,410$12,844,792
88$41,910,692$4,461,637$1,774,855$13,906,722
89$46,093,810$4,588,485$1,742,540$15,071,084
90$50,700,716$4,718,658$1,706,252$16,348,210
91$55,774,544$4,852,228$1,665,767$17,749,486
92$61,362,827$4,989,266$1,620,849$19,287,460
93$67,517,942$5,129,847$1,571,254$20,975,955
94$74,297,606$5,274,043$1,516,725$22,830,208
95$81,765,420$5,421,930$1,456,994$24,867,006
96$89,991,469$5,573,580$1,391,780$27,104,850
97$99,052,983$5,729,070$1,320,789$29,564,125
98$109,035,067$5,888,474$1,243,715$32,267,297
99$120,031,502$6,051,868$1,160,237$35,239,123
100$132,145,631$6,219,325$1,070,021$38,506,885