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%18%
1 years$124,694$123,584$122,500$121,442$120,410$116,508
2 years$61,730$60,580$59,466$58,386$57,338$53,444
3 years$40,744$39,590$38,478$37,408$36,377$32,614
4 years$30,254$29,103$28,002$26,951$25,945$22,339
5 years$23,961$22,817$21,731$20,701$19,723$16,285
6 years$19,767$18,632$17,562$16,554$15,606$12,339
7 years$16,773$15,647$14,594$13,610$12,692$9,596
8 years$14,528$13,412$12,377$11,417$10,529$7,602
9 years$12,783$11,678$10,660$9,725$8,867$6,104
10 years$11,388$10,293$9,294$8,383$7,555$4,953
11 years$10,247$9,164$8,182$7,296$6,498$4,052
12 years$9,297$8,225$7,261$6,399$5,631$3,335
13 years$8,494$7,433$6,488$5,650$4,910$2,760
14 years$7,806$6,756$5,829$5,015$4,304$2,293
15 years$7,211$6,172$5,263$4,473$3,790$1,911
16 years$6,690$5,663$4,772$4,005$3,349$1,597
17 years$6,231$5,215$4,342$3,598$2,970$1,338
18 years$5,823$4,819$3,964$3,243$2,641$1,123
19 years$5,459$4,466$3,629$2,930$2,354$944
20 years$5,132$4,150$3,330$2,654$2,102$795
21 years$4,836$3,866$3,063$2,408$1,881$670
22 years$4,568$3,608$2,823$2,190$1,686$565
23 years$4,323$3,375$2,607$1,994$1,514$477
24 years$4,099$3,162$2,411$1,819$1,361$402
25 years$3,893$2,967$2,233$1,661$1,224$340
26 years$3,703$2,789$2,071$1,519$1,103$287
27 years$3,528$2,625$1,923$1,390$994$243
28 years$3,365$2,473$1,788$1,274$897$206
29 years$3,214$2,333$1,664$1,168$810$174
30 years$3,074$2,204$1,549$1,072$732$147
31 years$2,942$2,083$1,445$985$662$125
32 years$2,819$1,971$1,348$905$599$106
33 years$2,704$1,867$1,258$832$542$89
34 years$2,596$1,769$1,176$766$491$76
35 years$2,494$1,678$1,099$705$444$64
36 years$2,398$1,593$1,028$649$403$54
37 years$2,308$1,513$963$598$365$46
38 years$2,222$1,438$901$551$331$39
39 years$2,141$1,367$844$508$300$33
40 years$2,064$1,301$792$469$272$28
41 years$1,992$1,238$742$433$247$24
42 years$1,922$1,179$696$399$224$20
43 years$1,857$1,123$653$368$203$17
44 years$1,794$1,071$613$340$184$14
45 years$1,734$1,021$576$314$167$12
46 years$1,678$974$541$290$152$10
47 years$1,623$930$508$268$138$9
48 years$1,571$887$477$248$125$7
49 years$1,522$847$449$229$114$6
50 years$1,474$809$422$212$103$5

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 $2,189 every year, while hoping to spend $55,899 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: 57/15/28 Blend
51$1,510,000$1,510,000$1,510,000$1,510,000
52$1,666,278$1,586,248$1,562,843$1,748,338
53$1,776,762$1,604,498$1,555,722$1,823,171
54$1,896,642$1,621,769$1,546,489$1,898,659
55$2,026,818$1,637,953$1,535,014$1,979,798
56$2,168,278$1,652,938$1,521,162$2,067,153
57$2,322,110$1,666,600$1,504,789$2,161,347
58$2,489,513$1,678,811$1,485,747$2,263,069
59$2,671,803$1,689,432$1,463,879$2,373,079
60$2,870,430$1,698,317$1,439,022$2,492,219
61$3,086,989$1,705,310$1,411,004$2,621,415
62$3,323,236$1,710,244$1,379,647$2,761,693
63$3,581,103$1,712,943$1,344,763$2,914,185
64$3,862,718$1,713,220$1,306,155$3,080,142
65$4,170,423$1,710,876$1,263,619$3,260,942
66$4,506,795$1,705,698$1,216,939$3,458,112
67$4,874,674$1,697,462$1,165,892$3,673,333
68$5,277,184$1,685,931$1,110,243$3,908,464
69$5,717,767$1,670,852$1,049,746$4,165,556
70$6,200,212$1,651,956$984,145$4,446,873
71$6,728,692$1,628,961$913,172$4,754,913
72$7,307,803$1,601,564$836,548$5,092,437
73$7,942,606$1,569,448$753,980$5,462,488
74$8,638,675$1,532,274$665,161$5,868,426
75$9,402,150$1,489,686$569,774$6,313,960
76$10,239,793$1,441,304$467,485$6,803,181
77$11,159,051$1,386,728$357,946$7,340,604
78$12,168,131$1,325,534$240,793$7,931,212
79$13,276,069$1,257,273$115,648$8,580,501
80$14,492,820$1,181,472$0$9,294,536
81$15,829,351$1,097,627$0$10,085,356
82$17,297,744$1,005,210$0$10,992,213
83$18,911,307$903,659$0$11,988,790
84$20,684,704$792,382$0$13,084,203
85$22,634,087$670,752$0$14,288,499
86$24,777,253$538,108$0$15,612,751
87$27,133,808$393,750$0$17,069,165
88$29,725,354$236,941$0$18,671,191
89$32,575,690$66,902$0$20,433,655
90$35,711,039$0$0$22,372,899
91$39,160,291$0$0$24,526,274
92$42,955,278$0$0$26,907,794
93$47,131,075$0$0$29,528,443
94$51,726,325$0$0$32,412,495
95$56,783,608$0$0$35,586,692
96$62,349,843$0$0$39,080,504
97$68,476,723$0$0$42,926,399
98$75,221,213$0$0$47,160,156
99$82,646,076$0$0$51,821,196
100$90,820,472$0$0$56,952,960