Can I retire at age 52 with 1,150,000?

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 $1,150,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.6%
1 years$94,966$94,120$93,295$92,489$91,703$88,169
2 years$47,013$46,137$45,289$44,466$43,668$40,150
3 years$31,031$30,151$29,305$28,490$27,705$24,313
4 years$23,041$22,164$21,326$20,525$19,759$16,520
5 years$18,248$17,377$16,550$15,765$15,021$11,942
6 years$15,055$14,190$13,375$12,608$11,885$8,969
7 years$12,774$11,916$11,115$10,365$9,666$6,911
8 years$11,064$10,215$9,426$8,695$8,019$5,423
9 years$9,735$8,894$8,119$7,407$6,753$4,313
10 years$8,673$7,839$7,078$6,384$5,754$3,464
11 years$7,804$6,979$6,231$5,556$4,949$2,804
12 years$7,081$6,264$5,530$4,874$4,288$2,284
13 years$6,469$5,661$4,941$4,303$3,739$1,869
14 years$5,945$5,145$4,439$3,820$3,278$1,536
15 years$5,491$4,700$4,008$3,406$2,886$1,266
16 years$5,095$4,313$3,634$3,050$2,551$1,046
17 years$4,745$3,972$3,307$2,740$2,262$866
18 years$4,435$3,670$3,019$2,470$2,011$718
19 years$4,158$3,401$2,763$2,232$1,792$596
20 years$3,908$3,161$2,536$2,021$1,601$496
21 years$3,683$2,944$2,333$1,834$1,433$413
22 years$3,479$2,748$2,150$1,668$1,284$344
23 years$3,292$2,570$1,985$1,519$1,153$286
24 years$3,122$2,408$1,836$1,385$1,036$239
25 years$2,965$2,260$1,700$1,265$932$199
26 years$2,820$2,124$1,577$1,157$840$166
27 years$2,687$1,999$1,464$1,059$757$139
28 years$2,563$1,884$1,361$970$683$116
29 years$2,448$1,777$1,267$890$617$97
30 years$2,341$1,678$1,180$816$557$81
31 years$2,241$1,586$1,100$750$504$68
32 years$2,147$1,501$1,026$689$456$56
33 years$2,059$1,422$958$634$413$47
34 years$1,977$1,347$895$583$374$39
35 years$1,900$1,278$837$537$338$33
36 years$1,826$1,213$783$494$307$28
37 years$1,758$1,152$733$455$278$23
38 years$1,692$1,095$686$420$252$19
39 years$1,631$1,041$643$387$228$16
40 years$1,572$990$603$357$207$13
41 years$1,517$943$565$329$188$11
42 years$1,464$898$530$304$171$9
43 years$1,414$856$498$281$155$8
44 years$1,366$816$467$259$141$7
45 years$1,321$778$439$239$128$5
46 years$1,278$742$412$221$116$5
47 years$1,236$708$387$204$105$4
48 years$1,197$676$364$189$96$3
49 years$1,159$645$342$174$87$3
50 years$1,123$617$321$161$79$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,150,000, adding $2,962 every year, while hoping to spend $47,119 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: 48/41/11 Blend
51$1,150,000$1,150,000$1,150,000$1,150,000
52$1,270,355$1,209,405$1,191,580$1,327,363
53$1,349,797$1,218,532$1,181,364$1,376,017
54$1,435,763$1,226,526$1,169,226$1,423,663
55$1,528,869$1,233,284$1,155,053$1,474,325
56$1,629,790$1,238,692$1,138,724$1,528,301
57$1,739,273$1,242,632$1,120,116$1,585,918
58$1,858,135$1,244,977$1,099,096$1,647,540
59$1,987,277$1,245,593$1,075,528$1,713,571
60$2,127,689$1,244,337$1,049,268$1,784,456
61$2,280,461$1,241,057$1,020,166$1,860,690
62$2,446,792$1,235,593$988,065$1,942,820
63$2,628,001$1,227,773$952,801$2,031,452
64$2,825,540$1,217,417$914,203$2,127,256
65$3,041,006$1,204,331$872,090$2,230,976
66$3,276,159$1,188,314$826,275$2,343,431
67$3,532,933$1,169,148$776,562$2,465,532
68$3,813,461$1,146,605$722,746$2,598,284
69$4,120,089$1,120,442$664,612$2,742,799
70$4,455,398$1,090,404$601,936$2,900,308
71$4,822,233$1,056,218$534,486$3,072,173
72$5,223,725$1,017,598$462,016$3,259,898
73$5,663,323$974,238$384,271$3,465,148
74$6,144,823$925,817$300,985$3,689,762
75$6,672,408$871,994$211,881$3,935,775
76$7,250,681$812,410$116,667$4,205,435
77$7,884,716$746,683$15,040$4,501,226
78$8,580,097$674,411$0$4,825,895
79$9,342,979$595,169$0$5,193,440
80$10,180,138$508,507$0$5,598,846
81$11,099,038$413,950$0$6,044,090
82$12,107,902$310,996$0$6,533,306
83$13,215,789$199,116$0$7,071,056
84$14,432,676$77,749$0$7,662,378
85$15,769,555$0$0$8,312,831
86$17,238,535$0$0$9,052,779
87$18,852,956$0$0$9,904,673
88$20,627,516$0$0$10,841,208
89$22,578,404$0$0$11,870,948
90$24,723,460$0$0$13,003,325
91$27,082,336$0$0$14,248,732
92$29,676,686$0$0$15,618,622
93$32,530,366$0$0$17,125,611
94$35,669,661$0$0$18,783,601
95$39,123,532$0$0$20,607,907
96$42,923,888$0$0$22,615,407
97$47,105,887$0$0$24,824,695
98$51,708,269$0$0$27,256,259
99$56,773,718$0$0$29,932,675
100$62,349,266$0$0$32,878,819