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

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 $1,550,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15%
1 years$127,998$126,857$125,745$124,659$123,599$121,054
2 years$63,365$62,185$61,041$59,932$58,857$56,304
3 years$41,824$40,639$39,498$38,399$37,341$34,861
4 years$31,055$29,874$28,744$27,664$26,632$24,243
5 years$24,596$23,421$22,307$21,249$20,245$17,954
6 years$20,291$19,125$18,027$16,993$16,019$13,829
7 years$17,217$16,061$14,981$13,971$13,028$10,938
8 years$14,913$13,768$12,705$11,720$10,808$8,819
9 years$13,122$11,987$10,943$9,983$9,102$7,212
10 years$11,690$10,566$9,540$8,605$7,755$5,962
11 years$10,519$9,406$8,399$7,489$6,670$4,972
12 years$9,543$8,443$7,454$6,569$5,780$4,174
13 years$8,719$7,630$6,659$5,799$5,040$3,524
14 years$8,013$6,935$5,984$5,148$4,418$2,989
15 years$7,402$6,335$5,402$4,591$3,890$2,544
16 years$6,867$5,813$4,898$4,111$3,438$2,173
17 years$6,396$5,353$4,457$3,694$3,048$1,860
18 years$5,978$4,947$4,069$3,329$2,711$1,596
19 years$5,604$4,584$3,725$3,008$2,416$1,372
20 years$5,268$4,260$3,418$2,724$2,158$1,182
21 years$4,964$3,968$3,144$2,472$1,931$1,019
22 years$4,689$3,704$2,898$2,248$1,731$880
23 years$4,437$3,464$2,676$2,047$1,554$760
24 years$4,207$3,246$2,475$1,867$1,397$657
25 years$3,996$3,046$2,292$1,705$1,257$569
26 years$3,801$2,863$2,126$1,559$1,132$493
27 years$3,621$2,694$1,974$1,427$1,021$427
28 years$3,455$2,539$1,835$1,308$921$370
29 years$3,300$2,395$1,708$1,199$832$321
30 years$3,155$2,262$1,591$1,100$751$278
31 years$3,020$2,138$1,483$1,011$679$242
32 years$2,894$2,023$1,383$929$615$210
33 years$2,776$1,916$1,292$854$556$182
34 years$2,665$1,816$1,207$786$504$158
35 years$2,560$1,722$1,128$723$456$137
36 years$2,462$1,635$1,056$666$413$119
37 years$2,369$1,553$988$614$374$104
38 years$2,281$1,476$925$566$340$90
39 years$2,198$1,403$867$522$308$78
40 years$2,119$1,335$813$481$279$68
41 years$2,044$1,271$762$444$253$59
42 years$1,973$1,210$715$410$230$51
43 years$1,906$1,153$671$378$209$45
44 years$1,842$1,099$629$349$189$39
45 years$1,780$1,048$591$323$172$34
46 years$1,722$1,000$555$298$156$29
47 years$1,666$954$522$275$142$26
48 years$1,613$911$490$254$129$22
49 years$1,562$870$461$235$117$19
50 years$1,513$831$433$217$106$17

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 $6,072 every year, while hoping to spend $21,756 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: 64/19/17 Blend
51$1,550,000$1,550,000$1,550,000$1,550,000
52$1,714,363$1,632,213$1,608,188$1,816,470
53$1,866,080$1,689,044$1,638,914$1,942,560
54$2,032,543$1,747,929$1,669,941$2,077,209
55$2,215,233$1,808,948$1,701,254$2,223,780
56$2,415,781$1,872,181$1,732,841$2,383,438
57$2,635,985$1,937,713$1,764,685$2,557,463
58$2,877,825$2,005,629$1,796,771$2,747,268
59$3,143,480$2,076,023$1,829,080$2,954,405
60$3,435,354$2,148,987$1,861,594$3,180,583
61$3,756,093$2,224,620$1,894,290$3,427,686
62$4,108,614$2,303,026$1,927,148$3,697,786
63$4,496,127$2,384,308$1,960,142$3,993,166
64$4,922,172$2,468,580$1,993,247$4,316,340
65$5,390,649$2,555,955$2,026,435$4,670,075
66$5,905,852$2,646,554$2,059,678$5,057,420
67$6,472,514$2,740,501$2,092,943$5,481,732
68$7,095,851$2,837,925$2,126,196$5,946,710
69$7,781,606$2,938,962$2,159,403$6,456,424
70$8,536,111$3,043,753$2,192,524$7,015,363
71$9,366,340$3,152,442$2,225,519$7,628,466
72$10,279,978$3,265,183$2,258,346$8,301,177
73$11,285,493$3,382,134$2,290,957$9,039,491
74$12,392,215$3,503,460$2,323,305$9,850,014
75$13,610,423$3,629,332$2,355,339$10,740,020
76$14,951,446$3,759,930$2,387,003$11,717,525
77$16,427,766$3,895,438$2,418,239$12,791,359
78$18,053,135$4,036,052$2,448,987$13,971,251
79$19,842,709$4,181,972$2,479,182$15,267,917
80$21,813,185$4,333,409$2,508,755$16,693,165
81$23,982,966$4,490,582$2,537,634$18,260,003
82$26,372,327$4,653,719$2,565,743$19,982,764
83$29,003,610$4,823,057$2,593,002$21,877,240
84$31,901,436$4,998,844$2,619,324$23,960,827
85$35,092,932$5,181,337$2,644,622$26,252,696
86$38,607,994$5,370,805$2,668,799$28,773,968
87$42,479,563$5,567,528$2,691,758$31,547,913
88$46,743,939$5,771,798$2,713,392$34,600,174
89$51,441,122$5,983,917$2,733,592$37,959,004
90$56,615,191$6,204,204$2,752,242$41,655,532
91$62,314,718$6,432,987$2,769,220$45,724,060
92$68,593,227$6,670,612$2,784,396$50,202,385
93$75,509,700$6,917,435$2,797,637$55,132,152
94$83,129,132$7,173,832$2,808,801$60,559,251
95$91,523,146$7,440,192$2,817,738$66,534,248
96$100,770,666$7,716,921$2,824,291$73,112,861
97$110,958,667$8,004,443$2,828,298$80,356,486
98$122,182,989$8,303,199$2,829,584$88,332,777
99$134,549,249$8,613,650$2,827,970$97,116,281
100$148,173,830$8,936,277$2,823,264$106,789,145