Can I retire at age 52 with 1,140,000?

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 $1,140,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.8%
1 years$94,140$93,302$92,483$91,685$90,905$88,385
2 years$46,604$45,736$44,895$44,079$43,288$40,768
3 years$30,761$29,889$29,050$28,242$27,464$25,023
4 years$22,841$21,972$21,141$20,347$19,587$17,244
5 years$18,090$17,226$16,406$15,628$14,890$12,650
6 years$14,924$14,066$13,259$12,498$11,782$9,648
7 years$12,663$11,813$11,018$10,275$9,582$7,555
8 years$10,968$10,126$9,344$8,620$7,949$6,027
9 years$9,651$8,816$8,048$7,342$6,694$4,875
10 years$8,597$7,771$7,017$6,329$5,704$3,986
11 years$7,736$6,918$6,177$5,508$4,906$3,286
12 years$7,019$6,209$5,482$4,831$4,251$2,726
13 years$6,413$5,612$4,898$4,265$3,707$2,274
14 years$5,893$5,101$4,401$3,786$3,250$1,905
15 years$5,444$4,660$3,973$3,377$2,861$1,602
16 years$5,051$4,275$3,602$3,023$2,529$1,350
17 years$4,704$3,937$3,278$2,717$2,242$1,141
18 years$4,397$3,638$2,992$2,448$1,994$966
19 years$4,122$3,372$2,739$2,212$1,777$820
20 years$3,874$3,133$2,514$2,004$1,587$696
21 years$3,651$2,918$2,313$1,818$1,420$592
22 years$3,448$2,724$2,131$1,653$1,273$504
23 years$3,264$2,548$1,968$1,506$1,143$429
24 years$3,094$2,387$1,820$1,373$1,027$366
25 years$2,939$2,240$1,686$1,254$924$312
26 years$2,796$2,106$1,563$1,147$833$267
27 years$2,664$1,982$1,452$1,050$751$228
28 years$2,541$1,867$1,350$962$677$195
29 years$2,427$1,762$1,256$882$612$166
30 years$2,321$1,664$1,170$809$553$142
31 years$2,221$1,573$1,091$743$500$121
32 years$2,129$1,488$1,018$683$452$104
33 years$2,042$1,409$950$628$409$89
34 years$1,960$1,336$888$578$370$76
35 years$1,883$1,267$830$532$335$65
36 years$1,811$1,202$776$490$304$56
37 years$1,742$1,142$727$451$275$48
38 years$1,678$1,085$681$416$250$41
39 years$1,616$1,032$638$384$226$35
40 years$1,559$982$598$354$205$30
41 years$1,504$935$560$327$186$26
42 years$1,451$890$526$301$169$22
43 years$1,402$848$493$278$153$19
44 years$1,354$808$463$257$139$16
45 years$1,309$771$435$237$126$14
46 years$1,267$735$408$219$115$12
47 years$1,226$702$384$202$104$10
48 years$1,186$670$360$187$95$9
49 years$1,149$640$339$173$86$7
50 years$1,113$611$319$160$78$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,140,000, adding $3,746 every year, while hoping to spend $50,732 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: 65/9/26 Blend
51$1,140,000$1,140,000$1,140,000$1,140,000
52$1,260,144$1,199,724$1,182,054$1,333,230
53$1,334,700$1,204,532$1,167,674$1,387,818
54$1,415,161$1,207,875$1,151,113$1,441,453
55$1,502,075$1,209,629$1,132,242$1,498,943
56$1,596,044$1,209,659$1,110,931$1,560,674
57$1,697,733$1,207,824$1,087,039$1,627,068
58$1,807,869$1,203,974$1,060,422$1,698,596
59$1,927,253$1,197,951$1,030,928$1,775,774
60$2,056,767$1,189,584$998,397$1,859,176
61$2,197,378$1,178,695$962,665$1,949,434
62$2,350,152$1,165,093$923,556$2,047,247
63$2,516,262$1,148,576$880,889$2,153,385
64$2,696,996$1,128,932$834,474$2,268,702
65$2,893,774$1,105,933$784,113$2,394,140
66$3,108,156$1,079,341$729,598$2,530,738
67$3,341,860$1,048,901$670,711$2,679,646
68$3,596,777$1,014,345$607,228$2,842,130
69$3,874,988$975,387$538,910$3,019,592
70$4,178,784$931,729$465,510$3,213,578
71$4,510,686$883,050$386,771$3,425,794
72$4,873,471$829,014$302,423$3,658,127
73$5,270,195$769,265$212,184$3,912,654
74$5,704,223$703,427$115,760$4,191,674
75$6,179,260$631,102$12,845$4,497,719
76$6,699,388$551,869$0$4,833,589
77$7,269,098$465,283$0$5,229,274
78$7,893,340$370,876$0$5,666,828
79$8,577,562$268,150$0$6,146,539
80$9,327,766$156,583$0$6,672,656
81$10,150,564$35,621$0$7,249,862
82$11,053,234$0$0$7,883,316
83$12,043,798$0$0$8,588,143
84$13,131,087$0$0$9,365,745
85$14,324,833$0$0$10,219,564
86$15,635,754$0$0$11,157,275
87$17,075,657$0$0$12,187,335
88$18,657,549$0$0$13,319,060
89$20,395,760$0$0$14,562,712
90$22,306,076$0$0$15,929,598
91$24,405,886$0$0$17,432,173
92$26,714,353$0$0$19,084,160
93$29,252,583$0$0$20,900,677
94$32,043,834$0$0$22,898,383
95$35,113,729$0$0$25,095,628
96$38,490,497$0$0$27,512,632
97$42,205,244$0$0$30,171,675
98$46,292,239$0$0$33,097,301
99$50,789,243$0$0$36,316,558
100$55,737,860$0$0$39,859,243