Can I retire at age 52 with 1,100,000?

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 $1,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.3%
1 years$90,837$90,028$89,238$88,468$87,716$84,772
2 years$44,969$44,131$43,320$42,533$41,769$38,833
3 years$29,681$28,840$28,031$27,251$26,500$23,663
4 years$22,039$21,201$20,399$19,633$18,900$16,184
5 years$17,455$16,622$15,831$15,080$14,368$11,779
6 years$14,400$13,573$12,793$12,060$11,369$8,911
7 years$12,219$11,398$10,631$9,915$9,246$6,918
8 years$10,583$9,771$9,016$8,317$7,670$5,470
9 years$9,312$8,507$7,766$7,084$6,459$4,385
10 years$8,296$7,499$6,770$6,107$5,504$3,551
11 years$7,465$6,675$5,960$5,315$4,733$2,899
12 years$6,773$5,992$5,290$4,662$4,102$2,382
13 years$6,188$5,415$4,726$4,116$3,577$1,967
14 years$5,687$4,922$4,246$3,653$3,135$1,630
15 years$5,253$4,496$3,834$3,258$2,761$1,356
16 years$4,873$4,125$3,476$2,917$2,440$1,131
17 years$4,539$3,799$3,163$2,621$2,163$945
18 years$4,242$3,510$2,887$2,362$1,924$792
19 years$3,977$3,253$2,643$2,135$1,715$664
20 years$3,739$3,023$2,426$1,933$1,531$558
21 years$3,523$2,816$2,231$1,755$1,371$469
22 years$3,327$2,629$2,057$1,595$1,228$394
23 years$3,149$2,459$1,899$1,453$1,103$332
24 years$2,986$2,304$1,756$1,325$991$280
25 years$2,836$2,162$1,627$1,210$892$236
26 years$2,698$2,032$1,509$1,106$803$199
27 years$2,570$1,912$1,401$1,013$724$168
28 years$2,452$1,802$1,302$928$654$142
29 years$2,342$1,700$1,212$851$590$120
30 years$2,239$1,605$1,129$781$533$101
31 years$2,143$1,517$1,052$717$482$85
32 years$2,054$1,436$982$659$436$72
33 years$1,970$1,360$917$606$395$61
34 years$1,891$1,289$857$558$357$51
35 years$1,817$1,222$801$513$324$43
36 years$1,747$1,160$749$473$293$37
37 years$1,681$1,102$701$436$266$31
38 years$1,619$1,047$657$402$241$26
39 years$1,560$996$615$370$218$22
40 years$1,504$947$577$342$198$19
41 years$1,451$902$541$315$180$16
42 years$1,400$859$507$291$163$13
43 years$1,353$818$476$268$148$11
44 years$1,307$780$447$248$134$10
45 years$1,264$744$419$229$122$8
46 years$1,222$710$394$211$111$7
47 years$1,183$677$370$195$101$6
48 years$1,145$646$348$180$91$5
49 years$1,109$617$327$167$83$4
50 years$1,074$590$307$154$75$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,100,000, adding $6,034 every year, while hoping to spend $31,202 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: 59/15/26 Blend
51$1,100,000$1,100,000$1,100,000$1,100,000
52$1,218,424$1,160,124$1,143,074$1,281,421
53$1,309,505$1,183,771$1,148,168$1,348,736
54$1,408,830$1,207,532$1,152,388$1,418,267
55$1,517,207$1,231,378$1,155,669$1,493,448
56$1,635,526$1,255,279$1,157,949$1,574,835
57$1,764,767$1,279,205$1,159,156$1,663,041
58$1,906,005$1,303,118$1,159,221$1,758,742
59$2,060,429$1,326,982$1,158,066$1,862,683
60$2,229,345$1,350,756$1,155,613$1,975,686
61$2,414,190$1,374,396$1,151,778$2,098,658
62$2,616,550$1,397,853$1,146,475$2,232,596
63$2,838,168$1,421,078$1,139,612$2,378,603
64$3,080,965$1,444,014$1,131,092$2,537,893
65$3,347,056$1,466,604$1,120,817$2,711,806
66$3,638,771$1,488,783$1,108,680$2,901,817
67$3,958,676$1,510,484$1,094,571$3,109,556
68$4,309,597$1,531,633$1,078,375$3,336,817
69$4,694,647$1,552,154$1,059,971$3,585,579
70$5,117,254$1,571,963$1,039,234$3,858,025
71$5,581,196$1,590,971$1,016,029$4,156,562
72$6,090,631$1,609,082$990,220$4,483,840
73$6,650,144$1,626,196$961,661$4,842,787
74$7,264,783$1,642,204$930,201$5,236,626
75$7,940,109$1,656,990$895,681$5,668,914
76$8,682,250$1,670,432$857,936$6,143,569
77$9,497,955$1,682,398$816,792$6,664,914
78$10,394,660$1,692,750$772,068$7,237,713
79$11,380,559$1,701,337$723,576$7,867,218
80$12,464,676$1,708,004$671,116$8,559,221
81$13,656,958$1,712,581$614,484$9,320,105
82$14,968,361$1,714,890$553,462$10,156,909
83$16,410,956$1,714,742$487,825$11,077,391
84$17,998,044$1,711,935$417,337$12,090,104
85$19,744,280$1,706,255$341,754$13,204,476
86$21,665,810$1,697,476$260,817$14,430,902
87$23,780,427$1,685,356$174,258$15,780,839
88$26,107,733$1,669,641$81,798$17,266,918
89$28,669,327$1,650,059$0$18,903,061
90$31,489,010$1,626,324$0$20,709,297
91$34,593,007$1,598,131$0$22,722,383
92$38,010,212$1,565,158$0$24,938,339
93$41,772,468$1,527,065$0$27,377,814
94$45,914,857$1,483,489$0$30,063,560
95$50,476,041$1,434,048$0$33,020,653
96$55,498,618$1,378,337$0$36,276,726
97$61,029,530$1,315,928$0$39,862,230
98$67,120,502$1,246,368$0$43,810,725
99$73,828,530$1,169,178$0$48,159,192
100$81,216,422$1,083,849$0$52,948,387