Can I retire at age 52 with 1,160,000?

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 $1,160,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.8%
1 years$95,792$94,938$94,106$93,293$92,500$89,218
2 years$47,422$46,538$45,683$44,853$44,048$40,776
3 years$31,300$30,413$29,560$28,738$27,946$24,787
4 years$23,241$22,357$21,512$20,704$19,931$16,910
5 years$18,407$17,528$16,694$15,902$15,151$12,276
6 years$15,185$14,313$13,491$12,717$11,989$9,260
7 years$12,885$12,020$11,211$10,456$9,750$7,169
8 years$11,161$10,303$9,508$8,771$8,089$5,652
9 years$9,820$8,971$8,189$7,471$6,812$4,517
10 years$8,748$7,908$7,140$6,440$5,804$3,647
11 years$7,872$7,040$6,286$5,605$4,992$2,967
12 years$7,142$6,318$5,578$4,916$4,326$2,430
13 years$6,525$5,710$4,984$4,340$3,772$1,999
14 years$5,997$5,190$4,478$3,853$3,307$1,652
15 years$5,539$4,741$4,043$3,436$2,911$1,369
16 years$5,139$4,350$3,666$3,077$2,573$1,138
17 years$4,787$4,006$3,336$2,764$2,281$948
18 years$4,474$3,702$3,045$2,491$2,029$791
19 years$4,194$3,431$2,788$2,251$1,808$660
20 years$3,942$3,188$2,558$2,039$1,615$553
21 years$3,715$2,970$2,353$1,850$1,445$463
22 years$3,509$2,772$2,169$1,682$1,295$388
23 years$3,321$2,593$2,002$1,532$1,163$325
24 years$3,149$2,429$1,852$1,397$1,045$273
25 years$2,991$2,280$1,715$1,276$941$229
26 years$2,845$2,143$1,591$1,167$847$192
27 years$2,710$2,016$1,477$1,068$764$162
28 years$2,585$1,900$1,373$979$689$136
29 years$2,469$1,792$1,278$897$622$114
30 years$2,361$1,693$1,190$824$562$96
31 years$2,260$1,600$1,110$756$508$81
32 years$2,166$1,514$1,035$695$460$68
33 years$2,077$1,434$967$639$416$57
34 years$1,994$1,359$903$588$377$48
35 years$1,916$1,289$844$541$341$40
36 years$1,842$1,223$790$499$309$34
37 years$1,773$1,162$739$459$280$29
38 years$1,707$1,104$692$423$254$24
39 years$1,645$1,050$649$390$230$20
40 years$1,586$999$608$360$209$17
41 years$1,530$951$570$332$190$14
42 years$1,477$906$535$307$172$12
43 years$1,426$863$502$283$156$10
44 years$1,378$823$471$261$142$9
45 years$1,332$784$442$241$129$7
46 years$1,289$748$415$223$117$6
47 years$1,247$714$390$206$106$5
48 years$1,207$682$367$190$96$4
49 years$1,169$651$345$176$87$4
50 years$1,133$622$324$163$79$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,160,000, adding $3,159 every year, while hoping to spend $35,551 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: 60/30/10 Blend
51$1,160,000$1,160,000$1,160,000$1,160,000
52$1,281,579$1,220,099$1,202,119$1,355,325
53$1,374,474$1,242,057$1,204,563$1,427,167
54$1,475,652$1,263,901$1,205,899$1,501,173
55$1,585,922$1,285,585$1,206,050$1,581,020
56$1,706,172$1,307,065$1,204,938$1,667,275
57$1,837,380$1,328,289$1,202,482$1,760,558
58$1,980,621$1,349,204$1,198,594$1,861,557
59$2,137,082$1,369,753$1,193,184$1,971,026
60$2,308,067$1,389,873$1,186,159$2,089,801
61$2,495,012$1,409,499$1,177,417$2,218,799
62$2,699,499$1,428,559$1,166,855$2,359,033
63$2,923,267$1,446,979$1,154,365$2,511,620
64$3,168,236$1,464,676$1,139,831$2,677,789
65$3,436,515$1,481,564$1,123,135$2,858,897
66$3,730,430$1,497,551$1,104,150$3,056,439
67$4,052,541$1,512,538$1,082,746$3,272,065
68$4,405,667$1,526,420$1,058,786$3,507,591
69$4,792,916$1,539,085$1,032,126$3,765,020
70$5,217,707$1,550,414$1,002,616$4,046,562
71$5,683,808$1,560,279$970,098$4,354,652
72$6,195,368$1,568,545$934,409$4,691,974
73$6,756,960$1,575,068$895,376$5,061,487
74$7,373,619$1,579,695$852,820$5,466,456
75$8,050,892$1,582,264$806,553$5,910,476
76$8,794,889$1,582,601$756,378$6,397,514
77$9,612,342$1,580,523$702,091$6,931,943
78$10,510,668$1,575,835$643,478$7,518,581
79$11,498,035$1,568,330$580,314$8,162,743
80$12,583,445$1,557,788$512,364$8,870,288
81$13,776,814$1,543,978$439,386$9,647,673
82$15,089,067$1,526,651$361,124$10,502,019
83$16,532,241$1,505,546$277,311$11,441,174
84$18,119,598$1,480,386$187,669$12,473,791
85$19,865,748$1,450,876$91,907$13,609,410
86$21,786,792$1,416,706$0$14,858,544
87$23,900,466$1,377,546$0$16,233,885
88$26,226,315$1,333,047$0$17,757,650
89$28,785,872$1,282,840$0$19,434,144
90$31,602,865$1,226,533$0$21,278,933
91$34,703,438$1,163,714$0$23,309,172
92$38,116,397$1,093,944$0$25,543,770
93$41,873,484$1,016,762$0$28,003,571
94$46,009,674$931,678$0$30,711,544
95$50,563,506$838,175$0$33,693,011
96$55,577,446$735,708$0$36,975,875
97$61,098,286$623,698$0$40,590,896
98$67,177,587$501,536$0$44,571,973
99$73,872,167$368,577$0$48,956,471
100$81,244,632$224,140$0$53,785,571