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%15.1%
1 years$126,346$125,221$124,123$123,051$122,004$119,443
2 years$62,548$61,383$60,254$59,159$58,097$55,529
3 years$41,284$40,114$38,988$37,904$36,859$34,364
4 years$30,655$29,488$28,373$27,308$26,288$23,886
5 years$24,278$23,119$22,019$20,975$19,984$17,680
6 years$20,029$18,878$17,795$16,774$15,813$13,610
7 years$16,995$15,854$14,787$13,791$12,860$10,760
8 years$14,721$13,590$12,541$11,569$10,669$8,670
9 years$12,952$11,832$10,801$9,854$8,984$7,085
10 years$11,539$10,430$9,417$8,494$7,655$5,854
11 years$10,383$9,285$8,291$7,392$6,584$4,878
12 years$9,420$8,334$7,358$6,484$5,705$4,093
13 years$8,606$7,531$6,574$5,725$4,975$3,453
14 years$7,910$6,846$5,906$5,082$4,361$2,927
15 years$7,306$6,254$5,333$4,532$3,840$2,490
16 years$6,778$5,738$4,835$4,058$3,394$2,125
17 years$6,313$5,284$4,399$3,646$3,009$1,818
18 years$5,901$4,883$4,016$3,286$2,676$1,559
19 years$5,532$4,525$3,677$2,969$2,385$1,339
20 years$5,200$4,205$3,374$2,689$2,130$1,152
21 years$4,900$3,917$3,104$2,440$1,906$993
22 years$4,628$3,656$2,860$2,219$1,709$856
23 years$4,380$3,420$2,641$2,021$1,534$739
24 years$4,153$3,204$2,443$1,843$1,379$639
25 years$3,945$3,007$2,262$1,683$1,241$553
26 years$3,752$2,826$2,098$1,539$1,117$478
27 years$3,575$2,660$1,948$1,409$1,007$414
28 years$3,410$2,506$1,811$1,291$909$359
29 years$3,257$2,364$1,686$1,184$821$311
30 years$3,114$2,233$1,570$1,086$742$269
31 years$2,981$2,111$1,464$998$671$234
32 years$2,857$1,997$1,366$917$607$203
33 years$2,740$1,891$1,275$843$549$176
34 years$2,630$1,793$1,191$776$497$152
35 years$2,527$1,700$1,114$714$450$132
36 years$2,430$1,614$1,042$658$408$115
37 years$2,338$1,533$975$606$370$100
38 years$2,252$1,457$913$559$335$87
39 years$2,170$1,385$856$515$304$75
40 years$2,092$1,318$802$475$276$65
41 years$2,018$1,254$752$438$250$57
42 years$1,948$1,195$705$404$227$49
43 years$1,881$1,138$662$373$206$43
44 years$1,818$1,085$621$345$187$37
45 years$1,757$1,035$583$318$170$32
46 years$1,700$987$548$294$154$28
47 years$1,645$942$515$272$140$24
48 years$1,592$899$484$251$127$21
49 years$1,542$859$455$232$115$18
50 years$1,494$820$428$214$105$16

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 $2,992 every year, while hoping to spend $27,262 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: 80/15/5 Blend
51$1,530,000$1,530,000$1,530,000$1,530,000
52$1,689,146$1,608,056$1,584,341$1,823,770
53$1,832,433$1,657,844$1,608,410$1,962,078
54$1,989,420$1,709,159$1,632,372$2,109,874
55$2,161,479$1,762,045$1,656,193$2,271,198
56$2,350,114$1,816,550$1,679,841$2,447,386
57$2,556,988$1,872,723$1,703,278$2,639,907
58$2,783,929$1,930,614$1,726,465$2,850,379
59$3,032,951$1,990,275$1,749,363$3,080,584
60$3,306,272$2,051,759$1,771,927$3,332,484
61$3,606,337$2,115,120$1,794,112$3,608,241
62$3,935,837$2,180,415$1,815,868$3,910,233
63$4,297,739$2,247,702$1,837,146$4,241,082
64$4,695,309$2,317,040$1,857,891$4,603,674
65$5,132,145$2,388,490$1,878,045$5,001,190
66$5,612,213$2,462,115$1,897,549$5,437,131
67$6,139,881$2,537,980$1,916,339$5,915,355
68$6,719,960$2,616,153$1,934,348$6,440,112
69$7,357,753$2,696,701$1,951,505$7,016,082
70$8,059,099$2,779,695$1,967,736$7,648,423
71$8,830,435$2,865,208$1,982,963$8,342,815
72$9,678,850$2,953,314$1,997,103$9,105,517
73$10,612,157$3,044,090$2,010,069$9,943,423
74$11,638,961$3,137,615$2,021,772$10,864,129
75$12,768,748$3,233,970$2,032,113$11,876,003
76$14,011,964$3,333,239$2,040,993$12,988,266
77$15,380,125$3,435,508$2,048,307$14,211,075
78$16,885,914$3,540,864$2,053,941$15,555,622
79$18,543,310$3,649,399$2,057,781$17,034,238
80$20,367,713$3,761,206$2,059,703$18,660,510
81$22,376,095$3,876,380$2,059,578$20,449,407
82$24,587,154$3,995,020$2,057,271$22,417,423
83$27,021,496$4,117,228$2,052,641$24,582,732
84$29,701,823$4,243,107$2,045,540$26,965,359
85$32,653,154$4,372,764$2,035,810$29,587,367
86$35,903,056$4,506,310$2,023,290$32,473,071
87$39,481,905$4,643,856$2,007,808$35,649,257
88$43,423,174$4,785,520$1,989,184$39,145,446
89$47,763,747$4,931,419$1,967,231$42,994,163
90$52,544,268$5,081,678$1,941,751$47,231,250
91$57,809,523$5,236,420$1,912,540$51,896,199
92$63,608,865$5,395,775$1,879,381$57,032,529
93$69,996,678$5,559,877$1,842,049$62,688,194
94$77,032,888$5,728,859$1,800,306$68,916,036
95$84,783,533$5,902,864$1,753,907$75,774,282
96$93,321,382$6,082,033$1,702,592$83,327,095
97$102,726,624$6,266,514$1,646,090$91,645,179
98$113,087,625$6,456,459$1,584,119$100,806,447
99$124,501,759$6,652,022$1,516,384$110,896,754
100$137,076,330$6,853,361$1,442,573$122,010,706