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

Use the below retirement simulation to view the chances of a successful retirement.
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%19.1%
1 years$126,346$125,221$124,123$123,051$122,004$117,535
2 years$62,548$61,383$60,254$59,159$58,097$53,645
3 years$41,284$40,114$38,988$37,904$36,859$32,563
4 years$30,655$29,488$28,373$27,308$26,288$22,181
5 years$24,278$23,119$22,019$20,975$19,984$16,077
6 years$20,029$18,878$17,795$16,774$15,813$12,108
7 years$16,995$15,854$14,787$13,791$12,860$9,357
8 years$14,721$13,590$12,541$11,569$10,669$7,364
9 years$12,952$11,832$10,801$9,854$8,984$5,874
10 years$11,539$10,430$9,417$8,494$7,655$4,733
11 years$10,383$9,285$8,291$7,392$6,584$3,844
12 years$9,420$8,334$7,358$6,484$5,705$3,142
13 years$8,606$7,531$6,574$5,725$4,975$2,580
14 years$7,910$6,846$5,906$5,082$4,361$2,127
15 years$7,306$6,254$5,333$4,532$3,840$1,759
16 years$6,778$5,738$4,835$4,058$3,394$1,459
17 years$6,313$5,284$4,399$3,646$3,009$1,212
18 years$5,901$4,883$4,016$3,286$2,676$1,009
19 years$5,532$4,525$3,677$2,969$2,385$841
20 years$5,200$4,205$3,374$2,689$2,130$702
21 years$4,900$3,917$3,104$2,440$1,906$586
22 years$4,628$3,656$2,860$2,219$1,709$490
23 years$4,380$3,420$2,641$2,021$1,534$410
24 years$4,153$3,204$2,443$1,843$1,379$343
25 years$3,945$3,007$2,262$1,683$1,241$288
26 years$3,752$2,826$2,098$1,539$1,117$241
27 years$3,575$2,660$1,948$1,409$1,007$202
28 years$3,410$2,506$1,811$1,291$909$169
29 years$3,257$2,364$1,686$1,184$821$142
30 years$3,114$2,233$1,570$1,086$742$119
31 years$2,981$2,111$1,464$998$671$100
32 years$2,857$1,997$1,366$917$607$84
33 years$2,740$1,891$1,275$843$549$70
34 years$2,630$1,793$1,191$776$497$59
35 years$2,527$1,700$1,114$714$450$50
36 years$2,430$1,614$1,042$658$408$42
37 years$2,338$1,533$975$606$370$35
38 years$2,252$1,457$913$559$335$29
39 years$2,170$1,385$856$515$304$25
40 years$2,092$1,318$802$475$276$21
41 years$2,018$1,254$752$438$250$17
42 years$1,948$1,195$705$404$227$15
43 years$1,881$1,138$662$373$206$12
44 years$1,818$1,085$621$345$187$10
45 years$1,757$1,035$583$318$170$9
46 years$1,700$987$548$294$154$7
47 years$1,645$942$515$272$140$6
48 years$1,592$899$484$251$127$5
49 years$1,542$859$455$232$115$4
50 years$1,494$820$428$214$105$4

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 $4,453 every year, while hoping to spend $47,290 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: 51/25/24 Blend
51$1,530,000$1,530,000$1,530,000$1,530,000
52$1,690,653$1,609,563$1,585,848$1,765,311
53$1,812,784$1,638,116$1,588,658$1,846,106
54$1,945,786$1,666,482$1,589,977$1,928,737
55$2,090,721$1,694,604$1,589,705$2,017,618
56$2,248,752$1,722,417$1,587,738$2,113,363
57$2,421,163$1,749,853$1,583,965$2,216,646
58$2,609,365$1,776,840$1,578,272$2,328,215
59$2,814,913$1,803,298$1,570,537$2,448,891
60$3,039,518$1,829,144$1,560,633$2,579,583
61$3,285,063$1,854,286$1,548,429$2,721,293
62$3,553,623$1,878,629$1,533,785$2,875,128
63$3,847,481$1,902,070$1,516,555$3,042,307
64$4,169,150$1,924,498$1,496,586$3,224,176
65$4,521,401$1,945,796$1,473,719$3,422,223
66$4,907,282$1,965,838$1,447,786$3,638,086
67$5,330,150$1,984,490$1,418,613$3,873,573
68$5,793,705$2,001,609$1,386,016$4,130,681
69$6,302,018$2,017,043$1,349,802$4,411,610
70$6,859,575$2,030,630$1,309,773$4,718,792
71$7,471,319$2,042,197$1,265,716$5,054,904
72$8,142,690$2,051,562$1,217,415$5,422,903
73$8,879,684$2,058,528$1,164,638$5,826,051
74$9,688,904$2,062,888$1,107,145$6,267,945
75$10,577,624$2,064,422$1,044,687$6,752,554
76$11,553,859$2,062,895$977,001$7,284,254
77$12,626,434$2,058,059$903,812$7,867,875
78$13,805,076$2,049,650$824,836$8,508,742
79$15,100,498$2,037,387$739,772$9,212,729
80$16,524,504$2,020,973$648,309$9,986,314
81$18,090,095$2,000,093$550,119$10,836,642
82$19,811,601$1,974,413$444,864$11,771,593
83$21,704,803$1,943,579$332,186$12,799,858
84$23,787,094$1,907,215$211,715$13,931,019
85$26,077,632$1,864,923$83,063$15,175,646
86$28,597,530$1,816,284$0$16,545,392
87$31,370,047$1,760,850$0$18,066,996
88$34,420,811$1,698,151$0$19,764,344
89$37,778,059$1,627,687$0$21,631,881
90$41,472,907$1,548,929$0$23,686,954
91$45,539,635$1,461,318$0$25,948,683
92$50,016,020$1,364,264$0$28,438,144
93$54,943,683$1,257,142$0$31,178,562
94$60,368,487$1,139,291$0$34,195,541
95$66,340,969$1,010,012$0$37,517,299
96$72,916,813$868,568$0$41,174,937
97$80,157,379$714,179$0$45,202,734
98$88,130,279$546,021$0$49,638,473
99$96,910,015$363,224$0$54,523,798
100$106,578,683$164,868$0$59,904,604