Can I retire at age 52 with 1,510,000?

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 $1,510,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.8%
1 years$124,694$123,584$122,500$121,442$120,410$117,546
2 years$61,730$60,580$59,466$58,386$57,338$54,470
3 years$40,744$39,590$38,478$37,408$36,377$33,595
4 years$30,254$29,103$28,002$26,951$25,945$23,268
5 years$23,961$22,817$21,731$20,701$19,723$17,160
6 years$19,767$18,632$17,562$16,554$15,606$13,160
7 years$16,773$15,647$14,594$13,610$12,692$10,362
8 years$14,528$13,412$12,377$11,417$10,529$8,315
9 years$12,783$11,678$10,660$9,725$8,867$6,767
10 years$11,388$10,293$9,294$8,383$7,555$5,567
11 years$10,247$9,164$8,182$7,296$6,498$4,619
12 years$9,297$8,225$7,261$6,399$5,631$3,858
13 years$8,494$7,433$6,488$5,650$4,910$3,240
14 years$7,806$6,756$5,829$5,015$4,304$2,732
15 years$7,211$6,172$5,263$4,473$3,790$2,313
16 years$6,690$5,663$4,772$4,005$3,349$1,964
17 years$6,231$5,215$4,342$3,598$2,970$1,672
18 years$5,823$4,819$3,964$3,243$2,641$1,426
19 years$5,459$4,466$3,629$2,930$2,354$1,219
20 years$5,132$4,150$3,330$2,654$2,102$1,043
21 years$4,836$3,866$3,063$2,408$1,881$894
22 years$4,568$3,608$2,823$2,190$1,686$767
23 years$4,323$3,375$2,607$1,994$1,514$659
24 years$4,099$3,162$2,411$1,819$1,361$566
25 years$3,893$2,967$2,233$1,661$1,224$487
26 years$3,703$2,789$2,071$1,519$1,103$419
27 years$3,528$2,625$1,923$1,390$994$361
28 years$3,365$2,473$1,788$1,274$897$311
29 years$3,214$2,333$1,664$1,168$810$268
30 years$3,074$2,204$1,549$1,072$732$231
31 years$2,942$2,083$1,445$985$662$199
32 years$2,819$1,971$1,348$905$599$171
33 years$2,704$1,867$1,258$832$542$148
34 years$2,596$1,769$1,176$766$491$128
35 years$2,494$1,678$1,099$705$444$110
36 years$2,398$1,593$1,028$649$403$95
37 years$2,308$1,513$963$598$365$82
38 years$2,222$1,438$901$551$331$71
39 years$2,141$1,367$844$508$300$61
40 years$2,064$1,301$792$469$272$53
41 years$1,992$1,238$742$433$247$45
42 years$1,922$1,179$696$399$224$39
43 years$1,857$1,123$653$368$203$34
44 years$1,794$1,071$613$340$184$29
45 years$1,734$1,021$576$314$167$25
46 years$1,678$974$541$290$152$22
47 years$1,623$930$508$268$138$19
48 years$1,571$887$477$248$125$16
49 years$1,522$847$449$229$114$14
50 years$1,474$809$422$212$103$12

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,510,000, adding $6,359 every year, while hoping to spend $45,306 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: 47/25/28 Blend
51$1,510,000$1,510,000$1,510,000$1,510,000
52$1,670,579$1,590,549$1,567,144$1,735,425
53$1,792,773$1,620,281$1,571,438$1,811,564
54$1,925,912$1,649,951$1,574,358$1,889,254
55$2,071,065$1,679,509$1,575,809$1,972,715
56$2,229,408$1,708,899$1,575,693$2,062,513
57$2,402,236$1,738,063$1,573,906$2,159,275
58$2,590,973$1,766,937$1,570,341$2,263,689
59$2,797,188$1,795,452$1,564,883$2,376,518
60$3,022,607$1,823,536$1,557,413$2,498,603
61$3,269,133$1,851,109$1,547,807$2,630,871
62$3,538,859$1,878,088$1,535,932$2,774,347
63$3,834,089$1,904,380$1,521,652$2,930,161
64$4,157,362$1,929,891$1,504,824$3,099,561
65$4,511,473$1,954,516$1,485,295$3,283,925
66$4,899,500$1,978,144$1,462,910$3,484,771
67$5,324,834$2,000,658$1,437,502$3,703,778
68$5,791,207$2,021,930$1,408,898$3,942,796
69$6,302,733$2,041,827$1,376,919$4,203,868
70$6,863,940$2,060,205$1,341,374$4,489,247
71$7,479,818$2,076,911$1,302,066$4,801,419
72$8,155,861$2,091,782$1,258,787$5,143,130
73$8,898,124$2,104,644$1,211,321$5,517,405
74$9,713,274$2,115,313$1,159,442$5,927,585
75$10,608,656$2,123,592$1,102,912$6,377,355
76$11,592,364$2,129,272$1,041,484$6,870,779
77$12,673,311$2,132,132$974,900$7,412,342
78$13,861,318$2,131,936$902,888$8,006,991
79$15,167,205$2,128,433$825,167$8,660,182
80$16,602,891$2,121,358$741,441$9,377,933
81$18,181,509$2,110,427$651,403$10,166,885
82$19,917,527$2,095,343$554,729$11,034,359
83$21,826,887$2,075,786$451,085$11,988,431
84$23,927,151$2,051,422$340,118$13,038,008
85$26,237,670$2,021,891$221,462$14,192,914
86$28,779,766$1,986,818$94,734$15,463,982
87$31,576,931$1,945,800$0$16,863,159
88$34,655,047$1,898,413$0$18,415,720
89$38,042,635$1,844,209$0$20,155,084
90$41,771,119$1,782,711$0$22,069,068
91$45,875,125$1,713,416$0$24,175,473
92$50,392,806$1,635,791$0$26,493,918
93$55,366,200$1,549,272$0$29,046,030
94$60,841,630$1,453,264$0$31,855,642
95$66,870,138$1,347,136$0$34,949,025
96$73,507,968$1,230,221$0$38,355,134
97$80,817,094$1,101,816$0$42,105,882
98$88,865,808$961,175$0$46,236,443
99$97,729,359$807,512$0$50,785,585
100$107,490,669$639,995$0$55,796,036