Can I retire at age 52 with 1,550,000?

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 $1,550,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.5%
1 years$127,998$126,857$125,745$124,659$123,599$119,835
2 years$63,365$62,185$61,041$59,932$58,857$55,096
3 years$41,824$40,639$39,498$38,399$37,341$33,703
4 years$31,055$29,874$28,744$27,664$26,632$23,144
5 years$24,596$23,421$22,307$21,249$20,245$16,916
6 years$20,291$19,125$18,027$16,993$16,019$12,853
7 years$17,217$16,061$14,981$13,971$13,028$10,024
8 years$14,913$13,768$12,705$11,720$10,808$7,964
9 years$13,122$11,987$10,943$9,983$9,102$6,415
10 years$11,690$10,566$9,540$8,605$7,755$5,222
11 years$10,519$9,406$8,399$7,489$6,670$4,285
12 years$9,543$8,443$7,454$6,569$5,780$3,539
13 years$8,719$7,630$6,659$5,799$5,040$2,938
14 years$8,013$6,935$5,984$5,148$4,418$2,449
15 years$7,402$6,335$5,402$4,591$3,890$2,049
16 years$6,867$5,813$4,898$4,111$3,438$1,719
17 years$6,396$5,353$4,457$3,694$3,048$1,445
18 years$5,978$4,947$4,069$3,329$2,711$1,217
19 years$5,604$4,584$3,725$3,008$2,416$1,027
20 years$5,268$4,260$3,418$2,724$2,158$868
21 years$4,964$3,968$3,144$2,472$1,931$734
22 years$4,689$3,704$2,898$2,248$1,731$622
23 years$4,437$3,464$2,676$2,047$1,554$527
24 years$4,207$3,246$2,475$1,867$1,397$447
25 years$3,996$3,046$2,292$1,705$1,257$379
26 years$3,801$2,863$2,126$1,559$1,132$322
27 years$3,621$2,694$1,974$1,427$1,021$273
28 years$3,455$2,539$1,835$1,308$921$232
29 years$3,300$2,395$1,708$1,199$832$197
30 years$3,155$2,262$1,591$1,100$751$167
31 years$3,020$2,138$1,483$1,011$679$142
32 years$2,894$2,023$1,383$929$615$121
33 years$2,776$1,916$1,292$854$556$103
34 years$2,665$1,816$1,207$786$504$88
35 years$2,560$1,722$1,128$723$456$74
36 years$2,462$1,635$1,056$666$413$63
37 years$2,369$1,553$988$614$374$54
38 years$2,281$1,476$925$566$340$46
39 years$2,198$1,403$867$522$308$39
40 years$2,119$1,335$813$481$279$33
41 years$2,044$1,271$762$444$253$28
42 years$1,973$1,210$715$410$230$24
43 years$1,906$1,153$671$378$209$20
44 years$1,842$1,099$629$349$189$17
45 years$1,780$1,048$591$323$172$15
46 years$1,722$1,000$555$298$156$13
47 years$1,666$954$522$275$142$11
48 years$1,613$911$490$254$129$9
49 years$1,562$870$461$235$117$8
50 years$1,513$831$433$217$106$7

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,550,000, adding $5,401 every year, while hoping to spend $38,971 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: 67/7/26 Blend
51$1,550,000$1,550,000$1,550,000$1,550,000
52$1,713,671$1,631,521$1,607,496$1,816,576
53$1,847,001$1,670,001$1,619,882$1,924,958
54$1,992,624$1,709,060$1,631,377$2,038,540
55$2,151,753$1,748,686$1,641,910$2,161,880
56$2,325,724$1,788,863$1,651,406$2,295,943
57$2,516,006$1,829,576$1,659,787$2,441,793
58$2,724,219$1,870,805$1,666,970$2,600,601
59$2,952,144$1,912,529$1,672,868$2,773,659
60$3,201,744$1,954,724$1,677,390$2,962,389
61$3,475,180$1,997,364$1,680,441$3,168,359
62$3,774,833$2,040,420$1,681,921$3,393,299
63$4,103,324$2,083,858$1,681,723$3,639,112
64$4,463,540$2,127,644$1,679,737$3,907,899
65$4,858,660$2,171,738$1,675,848$4,201,973
66$5,292,188$2,216,098$1,669,933$4,523,884
67$5,767,981$2,260,676$1,661,866$4,876,444
68$6,290,289$2,305,423$1,651,512$5,262,751
69$6,863,792$2,350,282$1,638,731$5,686,218
70$7,493,647$2,395,194$1,623,377$6,150,610
71$8,185,534$2,440,094$1,605,296$6,660,074
72$8,945,711$2,484,912$1,584,326$7,219,183
73$9,781,072$2,529,570$1,560,299$7,832,976
74$10,699,211$2,573,989$1,533,038$8,507,007
75$11,708,495$2,618,079$1,502,359$9,247,397
76$12,818,141$2,661,745$1,468,068$10,060,893
77$14,038,306$2,704,885$1,429,963$10,954,933
78$15,380,179$2,747,389$1,387,832$11,937,712
79$16,856,086$2,789,140$1,341,454$13,018,265
80$18,479,610$2,830,012$1,290,596$14,206,549
81$20,265,717$2,869,868$1,235,017$15,513,538
82$22,230,893$2,908,565$1,174,463$16,951,327
83$24,393,307$2,945,947$1,108,670$18,533,247
84$26,772,975$2,981,850$1,037,362$20,273,993
85$29,391,953$3,016,095$960,248$22,189,758
86$32,274,543$3,048,495$877,027$24,298,390
87$35,447,523$3,078,847$787,384$26,619,561
88$38,940,397$3,106,937$690,988$29,174,951
89$42,785,677$3,132,537$587,496$31,988,457
90$47,019,187$3,155,402$476,547$35,086,414
91$51,680,399$3,175,272$357,767$38,497,846
92$56,812,811$3,191,871$230,763$42,254,744
93$62,464,351$3,204,906$95,127$46,392,365
94$68,687,832$3,214,063$0$50,949,564
95$75,541,449$3,219,011$0$55,982,933
96$83,089,330$3,219,396$0$61,554,959
97$91,402,139$3,214,844$0$67,691,371
98$100,557,742$3,204,955$0$74,449,630
99$110,641,943$3,189,309$0$81,893,058
100$121,749,292$3,167,457$0$90,091,429