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%15.4%
1 years$130,475$129,313$128,179$127,072$125,991$123,196
2 years$64,592$63,389$62,223$61,092$59,996$57,194
3 years$42,633$41,425$40,262$39,142$38,064$35,343
4 years$31,656$30,452$29,301$28,200$27,147$24,529
5 years$25,072$23,875$22,738$21,660$20,637$18,128
6 years$20,684$19,495$18,376$17,322$16,329$13,932
7 years$17,550$16,372$15,271$14,241$13,280$10,995
8 years$15,202$14,034$12,951$11,947$11,017$8,844
9 years$13,376$12,219$11,154$10,176$9,278$7,215
10 years$11,916$10,771$9,725$8,772$7,905$5,950
11 years$10,722$9,588$8,561$7,634$6,799$4,949
12 years$9,728$8,606$7,598$6,696$5,892$4,144
13 years$8,888$7,777$6,788$5,912$5,138$3,490
14 years$8,168$7,069$6,099$5,248$4,504$2,951
15 years$7,545$6,458$5,507$4,680$3,965$2,506
16 years$7,000$5,925$4,993$4,190$3,505$2,134
17 years$6,520$5,457$4,543$3,765$3,107$1,822
18 years$6,093$5,042$4,147$3,393$2,763$1,558
19 years$5,712$4,673$3,797$3,066$2,463$1,336
20 years$5,370$4,343$3,484$2,777$2,200$1,147
21 years$5,060$4,045$3,205$2,520$1,969$986
22 years$4,779$3,776$2,954$2,291$1,765$848
23 years$4,523$3,531$2,727$2,087$1,584$731
24 years$4,289$3,309$2,522$1,903$1,424$630
25 years$4,073$3,105$2,336$1,738$1,281$544
26 years$3,875$2,918$2,167$1,589$1,154$469
27 years$3,692$2,746$2,012$1,455$1,040$405
28 years$3,521$2,588$1,870$1,333$939$350
29 years$3,363$2,441$1,741$1,222$848$303
30 years$3,216$2,306$1,621$1,122$766$262
31 years$3,079$2,180$1,512$1,030$692$226
32 years$2,950$2,062$1,410$947$626$196
33 years$2,830$1,953$1,317$871$567$170
34 years$2,716$1,851$1,230$801$513$147
35 years$2,610$1,756$1,150$737$465$127
36 years$2,509$1,666$1,076$679$421$110
37 years$2,415$1,583$1,007$626$382$95
38 years$2,325$1,504$943$577$346$82
39 years$2,240$1,430$884$532$314$71
40 years$2,160$1,361$828$491$285$62
41 years$2,084$1,295$777$453$258$54
42 years$2,012$1,234$728$418$234$46
43 years$1,943$1,175$684$386$213$40
44 years$1,877$1,120$642$356$193$35
45 years$1,815$1,068$603$329$175$30
46 years$1,755$1,019$566$304$159$26
47 years$1,699$973$532$281$144$23
48 years$1,644$929$500$259$131$20
49 years$1,592$887$470$240$119$17
50 years$1,543$847$441$221$108$15

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 $4,829 every year, while hoping to spend $54,961 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: 46/45/9 Blend
51$1,580,000$1,580,000$1,580,000$1,580,000
52$1,746,141$1,662,401$1,637,911$1,821,882
53$1,865,769$1,685,381$1,634,303$1,897,604
54$1,995,758$1,707,644$1,628,732$1,973,622
55$2,137,105$1,729,099$1,621,074$2,054,825
56$2,290,909$1,749,644$1,611,200$2,141,713
57$2,458,380$1,769,175$1,598,974$2,234,835
58$2,640,848$1,787,577$1,584,252$2,334,799
59$2,839,776$1,804,730$1,566,886$2,442,277
60$3,056,776$1,820,505$1,546,720$2,558,009
61$3,293,622$1,834,764$1,523,589$2,682,815
62$3,552,265$1,847,361$1,497,323$2,817,599
63$3,834,854$1,858,140$1,467,742$2,963,361
64$4,143,755$1,866,935$1,434,657$3,121,205
65$4,481,574$1,873,571$1,397,874$3,292,349
66$4,851,177$1,877,858$1,357,185$3,478,140
67$5,255,724$1,879,600$1,312,377$3,680,066
68$5,698,690$1,878,582$1,263,224$3,899,767
69$6,183,905$1,874,582$1,209,492$4,139,057
70$6,715,587$1,867,360$1,150,933$4,399,939
71$7,298,380$1,856,664$1,087,292$4,684,624
72$7,937,398$1,842,224$1,018,300$4,995,553
73$8,638,276$1,823,756$943,676$5,335,422
74$9,407,218$1,800,957$863,127$5,707,206
75$10,251,058$1,773,509$776,346$6,114,192
76$11,177,327$1,741,071$683,014$6,560,004
77$12,194,315$1,703,284$582,796$7,048,648
78$13,311,158$1,659,769$475,343$7,584,541
79$14,537,920$1,610,121$360,290$8,172,561
80$15,885,686$1,553,915$237,258$8,818,091
81$17,366,668$1,490,699$105,848$9,527,073
82$18,994,320$1,419,995$0$10,306,062
83$20,783,465$1,341,299$0$11,165,596
84$22,750,432$1,254,077$0$12,121,419
85$24,913,212$1,157,762$0$13,172,209
86$27,291,626$1,051,759$0$14,327,731
87$29,907,512$935,435$0$15,598,758
88$32,784,930$808,124$0$16,997,170
89$35,950,392$669,120$0$18,536,075
90$39,433,104$517,679$0$20,229,925
91$43,265,250$353,015$0$22,094,665
92$47,482,288$174,296$0$24,147,876
93$52,123,291$0$0$26,408,950
94$57,231,306$0$0$28,908,857
95$62,853,769$0$0$31,755,756
96$69,042,947$0$0$34,889,833
97$75,856,431$0$0$38,340,278
98$83,357,680$0$0$42,139,256
99$91,616,620$0$0$46,322,210
100$100,710,299$0$0$50,928,195