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%11.7%
1 years$130,475$129,313$128,179$127,072$125,991$125,093
2 years$64,592$63,389$62,223$61,092$59,996$59,090
3 years$42,633$41,425$40,262$39,142$38,064$37,178
4 years$31,656$30,452$29,301$28,200$27,147$26,289
5 years$25,072$23,875$22,738$21,660$20,637$19,809
6 years$20,684$19,495$18,376$17,322$16,329$15,532
7 years$17,550$16,372$15,271$14,241$13,280$12,514
8 years$15,202$14,034$12,951$11,947$11,017$10,282
9 years$13,376$12,219$11,154$10,176$9,278$8,574
10 years$11,916$10,771$9,725$8,772$7,905$7,232
11 years$10,722$9,588$8,561$7,634$6,799$6,156
12 years$9,728$8,606$7,598$6,696$5,892$5,279
13 years$8,888$7,777$6,788$5,912$5,138$4,554
14 years$8,168$7,069$6,099$5,248$4,504$3,948
15 years$7,545$6,458$5,507$4,680$3,965$3,437
16 years$7,000$5,925$4,993$4,190$3,505$3,004
17 years$6,520$5,457$4,543$3,765$3,107$2,632
18 years$6,093$5,042$4,147$3,393$2,763$2,313
19 years$5,712$4,673$3,797$3,066$2,463$2,037
20 years$5,370$4,343$3,484$2,777$2,200$1,797
21 years$5,060$4,045$3,205$2,520$1,969$1,589
22 years$4,779$3,776$2,954$2,291$1,765$1,406
23 years$4,523$3,531$2,727$2,087$1,584$1,246
24 years$4,289$3,309$2,522$1,903$1,424$1,106
25 years$4,073$3,105$2,336$1,738$1,281$982
26 years$3,875$2,918$2,167$1,589$1,154$873
27 years$3,692$2,746$2,012$1,455$1,040$777
28 years$3,521$2,588$1,870$1,333$939$692
29 years$3,363$2,441$1,741$1,222$848$616
30 years$3,216$2,306$1,621$1,122$766$549
31 years$3,079$2,180$1,512$1,030$692$490
32 years$2,950$2,062$1,410$947$626$437
33 years$2,830$1,953$1,317$871$567$390
34 years$2,716$1,851$1,230$801$513$348
35 years$2,610$1,756$1,150$737$465$311
36 years$2,509$1,666$1,076$679$421$278
37 years$2,415$1,583$1,007$626$382$248
38 years$2,325$1,504$943$577$346$222
39 years$2,240$1,430$884$532$314$198
40 years$2,160$1,361$828$491$285$177
41 years$2,084$1,295$777$453$258$158
42 years$2,012$1,234$728$418$234$142
43 years$1,943$1,175$684$386$213$127
44 years$1,877$1,120$642$356$193$113
45 years$1,815$1,068$603$329$175$101
46 years$1,755$1,019$566$304$159$91
47 years$1,699$973$532$281$144$81
48 years$1,644$929$500$259$131$73
49 years$1,592$887$470$240$119$65
50 years$1,543$847$441$221$108$58

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 $3,756 every year, while hoping to spend $38,725 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: 66/23/11 Blend
51$1,580,000$1,580,000$1,580,000$1,580,000
52$1,745,034$1,661,294$1,636,804$1,855,780
53$1,881,825$1,701,495$1,650,434$1,970,228
54$2,031,270$1,742,367$1,663,223$2,090,344
55$2,194,620$1,783,903$1,675,101$2,220,634
56$2,373,250$1,826,094$1,685,996$2,362,087
57$2,568,676$1,868,927$1,695,832$2,515,794
58$2,782,567$1,912,390$1,704,528$2,682,957
59$3,016,759$1,956,467$1,711,999$2,864,898
60$3,273,274$2,001,140$1,718,158$3,063,074
61$3,554,342$2,046,390$1,722,910$3,279,090
62$3,862,416$2,092,194$1,726,158$3,514,716
63$4,200,197$2,138,526$1,727,799$3,771,897
64$4,570,662$2,185,359$1,727,725$4,052,780
65$4,977,089$2,232,661$1,725,823$4,359,729
66$5,423,088$2,280,397$1,721,975$4,695,348
67$5,912,637$2,328,531$1,716,055$5,062,507
68$6,450,116$2,377,019$1,707,933$5,464,366
69$7,040,352$2,425,816$1,697,472$5,904,411
70$7,688,659$2,474,873$1,684,529$6,386,478
71$8,400,895$2,524,135$1,668,954$6,914,797
72$9,183,511$2,573,542$1,650,588$7,494,028
73$10,043,614$2,623,030$1,629,268$8,129,307
74$10,989,035$2,672,530$1,604,820$8,826,292
75$12,028,398$2,721,966$1,577,063$9,591,219
76$13,171,209$2,771,257$1,545,809$10,430,958
77$14,427,938$2,820,314$1,510,859$11,353,083
78$15,810,121$2,869,043$1,472,006$12,365,937
79$17,330,469$2,917,341$1,429,034$13,478,716
80$19,002,985$2,965,099$1,381,715$14,701,552
81$20,843,099$3,012,199$1,329,812$16,045,614
82$22,867,812$3,058,513$1,273,077$17,523,207
83$25,095,855$3,103,907$1,211,252$19,147,893
84$27,547,867$3,148,234$1,144,064$20,934,619
85$30,246,591$3,191,338$1,071,231$22,899,853
86$33,217,082$3,233,053$992,457$25,061,748
87$36,486,952$3,273,200$907,431$27,440,307
88$40,086,623$3,311,589$815,832$30,057,575
89$44,049,618$3,348,015$717,322$32,937,846
90$48,412,874$3,382,263$611,547$36,107,893
91$53,217,093$3,414,100$498,140$39,597,223
92$58,507,125$3,443,280$376,716$43,438,352
93$64,332,390$3,469,538$246,874$47,667,116
94$70,747,344$3,492,596$108,195$52,323,007
95$77,811,994$3,512,155$0$57,449,548
96$85,592,465$3,527,897$0$63,099,376
97$94,161,618$3,539,486$0$69,334,534
98$103,599,744$3,546,562$0$76,200,619
99$113,995,319$3,548,744$0$83,761,891
100$125,445,837$3,545,628$0$92,089,160