Can I retire at age 52 with 1,570,000?

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 $1,570,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.1%
1 years$129,649$128,494$127,368$126,268$125,194$122,068
2 years$64,183$62,987$61,829$60,706$59,616$56,487
3 years$42,363$41,163$40,007$38,895$37,823$34,788
4 years$31,456$30,259$29,115$28,021$26,976$24,058
5 years$24,913$23,724$22,595$21,523$20,506$17,715
6 years$20,553$19,372$18,260$17,212$16,226$13,563
7 years$17,439$16,269$15,174$14,151$13,196$10,662
8 years$15,105$13,945$12,869$11,871$10,947$8,541
9 years$13,291$12,142$11,084$10,111$9,219$6,938
10 years$11,840$10,702$9,663$8,716$7,855$5,697
11 years$10,654$9,528$8,507$7,586$6,756$4,717
12 years$9,667$8,552$7,550$6,654$5,854$3,932
13 years$8,831$7,728$6,745$5,874$5,105$3,296
14 years$8,116$7,025$6,061$5,214$4,475$2,774
15 years$7,497$6,417$5,472$4,650$3,940$2,344
16 years$6,956$5,888$4,961$4,164$3,482$1,986
17 years$6,479$5,422$4,515$3,741$3,088$1,687
18 years$6,055$5,010$4,121$3,372$2,746$1,436
19 years$5,676$4,644$3,773$3,047$2,447$1,224
20 years$5,336$4,315$3,462$2,759$2,186$1,045
21 years$5,028$4,019$3,185$2,504$1,956$894
22 years$4,749$3,752$2,935$2,277$1,753$765
23 years$4,495$3,509$2,710$2,074$1,574$655
24 years$4,262$3,288$2,506$1,891$1,415$562
25 years$4,048$3,085$2,321$1,727$1,273$482
26 years$3,850$2,900$2,153$1,579$1,147$414
27 years$3,668$2,729$1,999$1,446$1,034$355
28 years$3,499$2,572$1,859$1,324$933$305
29 years$3,342$2,426$1,730$1,215$842$262
30 years$3,196$2,291$1,611$1,115$761$226
31 years$3,059$2,166$1,502$1,024$688$194
32 years$2,931$2,049$1,401$941$622$167
33 years$2,812$1,941$1,308$865$563$144
34 years$2,699$1,839$1,223$796$510$124
35 years$2,593$1,745$1,143$733$462$106
36 years$2,494$1,656$1,069$675$419$92
37 years$2,399$1,573$1,001$622$379$79
38 years$2,310$1,495$937$573$344$68
39 years$2,226$1,421$878$528$312$58
40 years$2,146$1,352$823$487$283$50
41 years$2,071$1,287$772$450$257$43
42 years$1,999$1,226$724$415$233$37
43 years$1,930$1,168$679$383$211$32
44 years$1,865$1,113$638$354$192$28
45 years$1,803$1,062$599$327$174$24
46 years$1,744$1,013$562$302$158$20
47 years$1,688$967$528$279$144$18
48 years$1,634$923$496$258$130$15
49 years$1,582$881$467$238$118$13
50 years$1,533$842$439$220$108$11

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,570,000, adding $6,412 every year, while hoping to spend $42,595 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: 54/18/28 Blend
51$1,570,000$1,570,000$1,570,000$1,570,000
52$1,736,754$1,653,544$1,629,209$1,816,706
53$1,868,582$1,689,247$1,638,467$1,908,380
54$2,012,429$1,725,272$1,646,607$2,003,243
55$2,169,476$1,761,589$1,653,547$2,105,672
56$2,341,023$1,798,167$1,659,201$2,216,410
57$2,528,500$1,834,970$1,663,478$2,336,276
58$2,733,484$1,871,961$1,666,282$2,466,172
59$2,957,710$1,909,097$1,667,512$2,607,095
60$3,203,087$1,946,334$1,667,064$2,760,141
61$3,471,718$1,983,621$1,664,828$2,926,522
62$3,765,921$2,020,905$1,660,686$3,107,571
63$4,088,245$2,058,129$1,654,519$3,304,762
64$4,441,499$2,095,231$1,646,199$3,519,717
65$4,828,777$2,132,142$1,635,592$3,754,226
66$5,253,486$2,168,791$1,622,558$4,010,262
67$5,719,379$2,205,099$1,606,951$4,290,001
68$6,230,589$2,240,983$1,588,617$4,595,844
69$6,791,669$2,276,351$1,567,396$4,930,435
70$7,407,635$2,311,108$1,543,119$5,296,693
71$8,084,010$2,345,149$1,515,611$5,697,835
72$8,826,881$2,378,363$1,484,685$6,137,408
73$9,642,952$2,410,631$1,450,151$6,619,323
74$10,539,606$2,441,826$1,411,804$7,147,892
75$11,524,982$2,471,811$1,369,435$7,727,871
76$12,608,041$2,500,441$1,322,823$8,364,502
77$13,798,659$2,527,560$1,271,735$9,063,566
78$15,107,715$2,553,003$1,215,931$9,831,434
79$16,547,194$2,576,593$1,155,157$10,675,134
80$18,130,303$2,598,141$1,089,150$11,602,413
81$19,871,591$2,617,447$1,017,634$12,621,810
82$21,787,089$2,634,297$940,319$13,742,742
83$23,894,457$2,648,463$856,906$14,975,589
84$26,213,158$2,659,704$767,078$16,331,795
85$28,764,632$2,667,761$670,507$17,823,975
86$31,572,505$2,672,362$566,850$19,466,039
87$34,662,809$2,673,216$455,747$21,273,318
88$38,064,225$2,670,013$336,825$23,262,715
89$41,808,359$2,662,427$209,691$25,452,862
90$45,930,035$2,650,109$73,939$27,864,298
91$50,467,624$2,632,690$0$30,519,665
92$55,463,408$2,609,778$0$33,465,114
93$60,963,976$2,580,958$0$36,731,917
94$67,020,667$2,545,789$0$40,328,425
95$73,690,048$2,503,807$0$44,288,213
96$81,034,454$2,454,515$0$48,648,280
97$89,122,573$2,397,390$0$53,449,401
98$98,030,092$2,331,878$0$58,736,509
99$107,840,413$2,257,393$0$64,559,126
100$118,645,442$2,173,312$0$70,971,821