Can I retire at age 52 with 1,130,000?

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 $1,130,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.6%
1 years$93,314$92,483$91,672$90,881$90,108$88,397
2 years$46,195$45,335$44,501$43,693$42,908$41,191
3 years$30,491$29,627$28,795$27,994$27,223$25,553
4 years$22,640$21,779$20,955$20,168$19,416$17,806
5 years$17,931$17,075$16,262$15,491$14,759$13,215
6 years$14,793$13,943$13,142$12,388$11,679$10,201
7 years$12,552$11,709$10,921$10,185$9,498$8,087
8 years$10,872$10,037$9,262$8,544$7,879$6,535
9 years$9,566$8,739$7,978$7,278$6,636$5,357
10 years$8,522$7,703$6,955$6,273$5,654$4,440
11 years$7,668$6,858$6,123$5,460$4,862$3,711
12 years$6,957$6,155$5,434$4,789$4,214$3,124
13 years$6,356$5,562$4,855$4,228$3,674$2,644
14 years$5,842$5,056$4,362$3,753$3,221$2,249
15 years$5,396$4,619$3,938$3,347$2,836$1,920
16 years$5,006$4,238$3,571$2,997$2,506$1,644
17 years$4,663$3,903$3,249$2,693$2,222$1,412
18 years$4,358$3,606$2,966$2,427$1,976$1,215
19 years$4,085$3,342$2,715$2,193$1,761$1,048
20 years$3,841$3,106$2,492$1,986$1,573$905
21 years$3,619$2,893$2,292$1,802$1,408$782
22 years$3,418$2,700$2,113$1,639$1,262$678
23 years$3,235$2,526$1,951$1,492$1,133$587
24 years$3,067$2,366$1,804$1,361$1,018$510
25 years$2,913$2,221$1,671$1,243$916$442
26 years$2,771$2,087$1,550$1,137$825$384
27 years$2,640$1,964$1,439$1,040$744$334
28 years$2,519$1,851$1,338$953$671$291
29 years$2,405$1,746$1,245$874$606$253
30 years$2,300$1,649$1,160$802$548$220
31 years$2,202$1,559$1,081$737$495$192
32 years$2,110$1,475$1,009$677$448$167
33 years$2,024$1,397$942$623$405$145
34 years$1,943$1,324$880$573$367$127
35 years$1,866$1,256$823$527$332$110
36 years$1,795$1,192$770$486$301$96
37 years$1,727$1,132$720$448$273$84
38 years$1,663$1,076$675$413$248$73
39 years$1,602$1,023$632$380$224$64
40 years$1,545$973$592$351$204$56
41 years$1,490$926$555$324$185$49
42 years$1,439$882$521$299$168$42
43 years$1,389$841$489$276$152$37
44 years$1,343$801$459$255$138$32
45 years$1,298$764$431$235$125$28
46 years$1,255$729$405$217$114$24
47 years$1,215$696$380$201$103$21
48 years$1,176$664$357$185$94$19
49 years$1,139$634$336$171$85$16
50 years$1,103$606$316$158$77$14

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,130,000, adding $3,977 every year, while hoping to spend $22,107 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: 56/33/11 Blend
51$1,130,000$1,130,000$1,130,000$1,130,000
52$1,249,362$1,189,472$1,171,957$1,315,684
53$1,353,276$1,224,235$1,187,696$1,395,761
54$1,467,047$1,259,960$1,203,221$1,480,160
55$1,591,659$1,296,671$1,218,502$1,571,565
56$1,728,193$1,334,392$1,233,507$1,670,647
57$1,877,840$1,373,149$1,248,201$1,778,147
58$2,041,913$1,412,966$1,262,549$1,894,879
59$2,221,855$1,453,869$1,276,512$2,021,738
60$2,419,260$1,495,884$1,290,050$2,159,713
61$2,635,879$1,539,037$1,303,121$2,309,888
62$2,873,643$1,583,355$1,315,681$2,473,459
63$3,134,680$1,628,864$1,327,681$2,651,744
64$3,421,333$1,675,594$1,339,074$2,846,193
65$3,736,182$1,723,571$1,349,806$3,058,401
66$4,082,070$1,772,824$1,359,822$3,290,127
67$4,462,131$1,823,381$1,369,065$3,543,307
68$4,879,813$1,875,272$1,377,474$3,820,074
69$5,338,919$1,928,526$1,384,985$4,122,778
70$5,843,638$1,983,172$1,391,530$4,454,004
71$6,398,582$2,039,241$1,397,040$4,816,603
72$7,008,835$2,096,762$1,401,439$5,213,715
73$7,679,999$2,155,766$1,404,650$5,648,797
74$8,418,244$2,216,283$1,406,590$6,125,658
75$9,230,369$2,278,345$1,407,175$6,648,497
76$10,123,864$2,341,981$1,406,313$7,221,934
77$11,106,984$2,407,224$1,403,910$7,851,066
78$12,188,823$2,474,104$1,399,867$8,541,502
79$13,379,400$2,542,653$1,394,080$9,299,427
80$14,689,756$2,612,900$1,386,440$10,131,651
81$16,132,057$2,684,879$1,376,831$11,045,680
82$17,719,708$2,758,618$1,365,135$12,049,783
83$19,467,477$2,834,149$1,351,226$13,153,072
84$21,391,640$2,911,503$1,334,973$14,365,585
85$23,510,129$2,990,709$1,316,237$15,698,386
86$25,842,706$3,071,797$1,294,874$17,163,661
87$28,411,144$3,154,797$1,270,734$18,774,841
88$31,239,435$3,239,736$1,243,658$20,546,726
89$34,354,018$3,326,644$1,213,482$22,495,621
90$37,784,026$3,415,548$1,180,031$24,639,494
91$41,561,561$3,506,474$1,143,126$26,998,146
92$45,721,996$3,599,447$1,102,577$29,593,394
93$50,304,312$3,694,492$1,058,186$32,449,279
94$55,351,462$3,791,633$1,009,746$35,592,294
95$60,910,780$3,890,891$957,040$39,051,632
96$67,034,422$3,992,287$899,844$42,859,462
97$73,779,863$4,095,840$837,919$47,051,232
98$81,210,440$4,201,567$771,020$51,666,007
99$89,395,944$4,309,483$698,888$56,746,832
100$98,413,283$4,419,601$621,254$62,341,144