Can I retire at age 52 with 1,530,000?

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 $1,530,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.9%
1 years$126,346$125,221$124,123$123,051$122,004$121,033
2 years$62,548$61,383$60,254$59,159$58,097$57,118
3 years$41,284$40,114$38,988$37,904$36,859$35,902
4 years$30,655$29,488$28,373$27,308$26,288$25,361
5 years$24,278$23,119$22,019$20,975$19,984$19,090
6 years$20,029$18,878$17,795$16,774$15,813$14,952
7 years$16,995$15,854$14,787$13,791$12,860$12,033
8 years$14,721$13,590$12,541$11,569$10,669$9,876
9 years$12,952$11,832$10,801$9,854$8,984$8,226
10 years$11,539$10,430$9,417$8,494$7,655$6,930
11 years$10,383$9,285$8,291$7,392$6,584$5,892
12 years$9,420$8,334$7,358$6,484$5,705$5,046
13 years$8,606$7,531$6,574$5,725$4,975$4,347
14 years$7,910$6,846$5,906$5,082$4,361$3,764
15 years$7,306$6,254$5,333$4,532$3,840$3,273
16 years$6,778$5,738$4,835$4,058$3,394$2,856
17 years$6,313$5,284$4,399$3,646$3,009$2,499
18 years$5,901$4,883$4,016$3,286$2,676$2,193
19 years$5,532$4,525$3,677$2,969$2,385$1,929
20 years$5,200$4,205$3,374$2,689$2,130$1,699
21 years$4,900$3,917$3,104$2,440$1,906$1,500
22 years$4,628$3,656$2,860$2,219$1,709$1,326
23 years$4,380$3,420$2,641$2,021$1,534$1,173
24 years$4,153$3,204$2,443$1,843$1,379$1,039
25 years$3,945$3,007$2,262$1,683$1,241$922
26 years$3,752$2,826$2,098$1,539$1,117$818
27 years$3,575$2,660$1,948$1,409$1,007$727
28 years$3,410$2,506$1,811$1,291$909$646
29 years$3,257$2,364$1,686$1,184$821$575
30 years$3,114$2,233$1,570$1,086$742$511
31 years$2,981$2,111$1,464$998$671$455
32 years$2,857$1,997$1,366$917$607$405
33 years$2,740$1,891$1,275$843$549$361
34 years$2,630$1,793$1,191$776$497$322
35 years$2,527$1,700$1,114$714$450$287
36 years$2,430$1,614$1,042$658$408$256
37 years$2,338$1,533$975$606$370$228
38 years$2,252$1,457$913$559$335$204
39 years$2,170$1,385$856$515$304$182
40 years$2,092$1,318$802$475$276$162
41 years$2,018$1,254$752$438$250$145
42 years$1,948$1,195$705$404$227$129
43 years$1,881$1,138$662$373$206$115
44 years$1,818$1,085$621$345$187$103
45 years$1,757$1,035$583$318$170$92
46 years$1,700$987$548$294$154$82
47 years$1,645$942$515$272$140$73
48 years$1,592$899$484$251$127$66
49 years$1,542$859$455$232$115$59
50 years$1,494$820$428$214$105$52

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,530,000, adding $5,365 every year, while hoping to spend $35,415 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: 40/46/14 Blend
51$1,530,000$1,530,000$1,530,000$1,530,000
52$1,691,594$1,610,504$1,586,789$1,752,003
53$1,826,455$1,651,737$1,602,265$1,836,526
54$1,973,885$1,693,804$1,617,073$1,924,036
55$2,135,129$1,736,708$1,631,152$2,017,935
56$2,311,557$1,780,451$1,644,440$2,118,821
57$2,504,677$1,825,035$1,656,871$2,227,349
58$2,716,153$1,870,460$1,668,374$2,344,242
59$2,947,812$1,916,725$1,678,876$2,470,296
60$3,201,671$1,963,826$1,688,301$2,606,387
61$3,479,949$2,011,761$1,696,567$2,753,479
62$3,785,090$2,060,524$1,703,588$2,912,634
63$4,119,787$2,110,107$1,709,275$3,085,024
64$4,487,004$2,160,501$1,713,535$3,271,936
65$4,890,007$2,211,694$1,716,267$3,474,792
66$5,332,395$2,263,674$1,717,369$3,695,155
67$5,818,130$2,316,425$1,716,731$3,934,750
68$6,351,577$2,369,928$1,714,240$4,195,475
69$6,937,546$2,424,162$1,709,775$4,479,423
70$7,581,334$2,479,105$1,703,211$4,788,900
71$8,288,778$2,534,729$1,694,417$5,126,446
72$9,066,307$2,591,003$1,683,253$5,494,862
73$9,921,003$2,647,896$1,669,575$5,897,232
74$10,860,672$2,705,369$1,653,232$6,336,956
75$11,893,910$2,763,382$1,634,065$6,817,783
76$13,030,191$2,821,890$1,611,908$7,343,841
77$14,279,949$2,880,841$1,586,586$7,919,682
78$15,654,685$2,940,183$1,557,917$8,550,322
79$17,167,066$2,999,855$1,525,711$9,241,289
80$18,831,051$3,059,793$1,489,767$9,998,677
81$20,662,021$3,119,925$1,449,877$10,829,199
82$22,676,921$3,180,176$1,405,821$11,740,258
83$24,894,423$3,240,460$1,357,373$12,740,012
84$27,335,101$3,300,689$1,304,291$13,837,450
85$30,021,623$3,360,765$1,246,327$15,042,482
86$32,978,969$3,420,583$1,183,219$16,366,031
87$36,234,660$3,480,028$1,114,693$17,820,134
88$39,819,025$3,538,979$1,040,465$19,418,060
89$43,765,481$3,597,304$960,236$21,174,433
90$48,110,850$3,654,862$873,694$23,105,370
91$52,895,707$3,711,501$780,513$25,228,638
92$58,164,763$3,767,058$680,354$27,563,817
93$63,967,284$3,821,359$572,861$30,132,488
94$70,357,557$3,874,216$457,662$32,958,437
95$77,395,406$3,925,430$334,372$36,067,883
96$85,146,748$3,974,787$202,584$39,489,720
97$93,684,223$4,022,059$61,877$43,255,797
98$103,087,875$4,067,000$0$47,401,216
99$113,445,907$4,109,352$0$51,977,852
100$124,855,514$4,148,835$0$57,025,880