Can I retire at age 52 with 1,580,000?

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 $1,580,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.6%
1 years$130,475$129,313$128,179$127,072$125,991$124,109
2 years$64,592$63,389$62,223$61,092$59,996$58,103
3 years$42,633$41,425$40,262$39,142$38,064$36,220
4 years$31,656$30,452$29,301$28,200$27,147$25,367
5 years$25,072$23,875$22,738$21,660$20,637$18,925
6 years$20,684$19,495$18,376$17,322$16,329$14,688
7 years$17,550$16,372$15,271$14,241$13,280$11,710
8 years$15,202$14,034$12,951$11,947$11,017$9,517
9 years$13,376$12,219$11,154$10,176$9,278$7,848
10 years$11,916$10,771$9,725$8,772$7,905$6,544
11 years$10,722$9,588$8,561$7,634$6,799$5,505
12 years$9,728$8,606$7,598$6,696$5,892$4,664
13 years$8,888$7,777$6,788$5,912$5,138$3,974
14 years$8,168$7,069$6,099$5,248$4,504$3,403
15 years$7,545$6,458$5,507$4,680$3,965$2,925
16 years$7,000$5,925$4,993$4,190$3,505$2,522
17 years$6,520$5,457$4,543$3,765$3,107$2,181
18 years$6,093$5,042$4,147$3,393$2,763$1,891
19 years$5,712$4,673$3,797$3,066$2,463$1,642
20 years$5,370$4,343$3,484$2,777$2,200$1,429
21 years$5,060$4,045$3,205$2,520$1,969$1,245
22 years$4,779$3,776$2,954$2,291$1,765$1,087
23 years$4,523$3,531$2,727$2,087$1,584$949
24 years$4,289$3,309$2,522$1,903$1,424$830
25 years$4,073$3,105$2,336$1,738$1,281$726
26 years$3,875$2,918$2,167$1,589$1,154$636
27 years$3,692$2,746$2,012$1,455$1,040$557
28 years$3,521$2,588$1,870$1,333$939$489
29 years$3,363$2,441$1,741$1,222$848$429
30 years$3,216$2,306$1,621$1,122$766$376
31 years$3,079$2,180$1,512$1,030$692$330
32 years$2,950$2,062$1,410$947$626$290
33 years$2,830$1,953$1,317$871$567$255
34 years$2,716$1,851$1,230$801$513$224
35 years$2,610$1,756$1,150$737$465$197
36 years$2,509$1,666$1,076$679$421$173
37 years$2,415$1,583$1,007$626$382$152
38 years$2,325$1,504$943$577$346$134
39 years$2,240$1,430$884$532$314$118
40 years$2,160$1,361$828$491$285$103
41 years$2,084$1,295$777$453$258$91
42 years$2,012$1,234$728$418$234$80
43 years$1,943$1,175$684$386$213$70
44 years$1,877$1,120$642$356$193$62
45 years$1,815$1,068$603$329$175$55
46 years$1,755$1,019$566$304$159$48
47 years$1,699$973$532$281$144$42
48 years$1,644$929$500$259$131$37
49 years$1,592$887$470$240$119$33
50 years$1,543$847$441$221$108$29

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,580,000, adding $3,325 every year, while hoping to spend $56,490 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: 53/18/29 Blend
51$1,580,000$1,580,000$1,580,000$1,580,000
52$1,744,590$1,660,850$1,636,360$1,822,739
53$1,862,433$1,682,126$1,631,073$1,898,612
54$1,990,403$1,702,552$1,623,716$1,975,143
55$2,129,473$1,722,026$1,614,159$2,057,323
56$2,280,713$1,740,440$1,602,268$2,145,716
57$2,445,303$1,757,678$1,587,900$2,240,945
58$2,624,537$1,773,617$1,570,908$2,343,701
59$2,819,842$1,788,127$1,551,135$2,454,745
60$3,032,787$1,801,067$1,528,420$2,574,919
61$3,265,101$1,812,288$1,502,591$2,705,152
62$3,518,684$1,821,633$1,473,471$2,846,473
63$3,795,629$1,828,933$1,440,872$3,000,015
64$4,098,242$1,834,009$1,404,600$3,167,033
65$4,429,057$1,836,670$1,364,449$3,348,912
66$4,790,869$1,836,715$1,320,206$3,547,179
67$5,186,753$1,833,929$1,271,648$3,763,525
68$5,620,094$1,828,084$1,218,540$3,999,813
69$6,094,620$1,818,937$1,160,638$4,258,103
70$6,614,439$1,806,232$1,097,687$4,540,668
71$7,184,071$1,789,697$1,029,419$4,850,017
72$7,808,497$1,769,043$955,555$5,188,922
73$8,493,202$1,743,964$875,804$5,560,440
74$9,244,226$1,714,136$789,861$5,967,948
75$10,068,223$1,679,214$697,407$6,415,172
76$10,972,522$1,638,836$598,111$6,906,223
77$11,965,195$1,592,615$491,624$7,445,642
78$13,055,136$1,540,144$377,584$8,038,435
79$14,252,140$1,480,991$255,613$8,690,129
80$15,566,998$1,414,699$125,315$9,406,824
81$17,011,597$1,340,785$0$10,195,246
82$18,599,033$1,258,737$0$11,067,069
83$20,343,733$1,168,014$0$12,067,892
84$22,261,593$1,068,045$0$13,168,071
85$24,370,122$958,226$0$14,377,718
86$26,688,613$837,918$0$15,707,979
87$29,238,322$706,447$0$17,171,141
88$32,042,667$563,098$0$18,780,745
89$35,127,448$407,120$0$20,551,717
90$38,521,095$237,716$0$22,500,511
91$42,254,930$54,046$0$24,645,259
92$46,363,463$0$0$27,005,950
93$50,884,720$0$0$29,633,290
94$55,860,599$0$0$32,536,780
95$61,337,265$0$0$35,732,673
96$67,365,586$0$0$39,250,677
97$74,001,612$0$0$43,123,525
98$81,307,101$0$0$47,387,287
99$89,350,106$0$0$52,081,705
100$98,205,612$0$0$57,250,572