Can I retire at age 52 with 1,450,000?

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 $1,450,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.7%
1 years$119,740$118,673$117,632$116,617$115,625$113,850
2 years$59,277$58,173$57,103$56,066$55,060$53,276
3 years$39,125$38,017$36,950$35,922$34,932$33,195
4 years$29,052$27,946$26,890$25,880$24,914$23,236
5 years$23,009$21,910$20,868$19,878$18,939$17,326
6 years$18,982$17,891$16,864$15,897$14,986$13,440
7 years$16,106$15,025$14,014$13,070$12,188$10,709
8 years$13,951$12,879$11,885$10,964$10,111$8,699
9 years$12,275$11,214$10,237$9,339$8,515$7,169
10 years$10,935$9,884$8,925$8,050$7,255$5,974
11 years$9,840$8,799$7,857$7,006$6,239$5,023
12 years$8,928$7,898$6,973$6,145$5,407$4,252
13 years$8,156$7,137$6,230$5,425$4,715$3,621
14 years$7,496$6,488$5,598$4,816$4,133$3,098
15 years$6,924$5,927$5,054$4,295$3,639$2,661
16 years$6,424$5,438$4,582$3,846$3,216$2,293
17 years$5,983$5,008$4,169$3,455$2,852$1,982
18 years$5,592$4,627$3,806$3,114$2,536$1,717
19 years$5,242$4,289$3,484$2,814$2,260$1,490
20 years$4,928$3,985$3,198$2,548$2,019$1,296
21 years$4,644$3,712$2,941$2,313$1,807$1,128
22 years$4,386$3,465$2,711$2,103$1,619$984
23 years$4,151$3,241$2,503$1,915$1,454$859
24 years$3,936$3,036$2,315$1,747$1,307$750
25 years$3,738$2,850$2,144$1,595$1,176$656
26 years$3,556$2,678$1,989$1,459$1,059$574
27 years$3,388$2,520$1,846$1,335$955$503
28 years$3,232$2,375$1,717$1,223$862$440
29 years$3,087$2,241$1,597$1,122$778$386
30 years$2,952$2,116$1,488$1,029$703$339
31 years$2,825$2,000$1,387$945$635$297
32 years$2,707$1,893$1,294$869$575$261
33 years$2,597$1,792$1,208$799$520$229
34 years$2,493$1,699$1,129$735$471$201
35 years$2,395$1,611$1,056$677$427$176
36 years$2,303$1,529$988$623$387$155
37 years$2,216$1,453$924$574$350$136
38 years$2,134$1,380$866$529$318$120
39 years$2,056$1,313$811$488$288$105
40 years$1,982$1,249$760$450$261$92
41 years$1,912$1,189$713$415$237$81
42 years$1,846$1,132$669$383$215$71
43 years$1,783$1,079$627$354$195$63
44 years$1,723$1,028$589$327$177$55
45 years$1,666$981$553$302$161$48
46 years$1,611$935$519$279$146$43
47 years$1,559$893$488$257$133$37
48 years$1,509$852$458$238$120$33
49 years$1,461$814$431$220$109$29
50 years$1,416$777$405$203$99$25

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,450,000, adding $2,314 every year, while hoping to spend $49,369 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: 51/25/24 Blend
51$1,450,000$1,450,000$1,450,000$1,450,000
52$1,600,287$1,523,437$1,500,962$1,671,041
53$1,710,988$1,545,557$1,498,716$1,742,472
54$1,831,326$1,567,106$1,494,740$1,814,889
55$1,962,231$1,588,005$1,488,924$1,892,622
56$2,104,729$1,608,167$1,481,153$1,976,195
57$2,259,945$1,627,501$1,471,305$2,066,189
58$2,429,120$1,645,909$1,459,255$2,163,243
59$2,613,619$1,663,288$1,444,868$2,268,064
60$2,814,943$1,679,524$1,428,007$2,381,432
61$3,034,747$1,694,500$1,408,525$2,504,210
62$3,274,851$1,708,090$1,386,269$2,637,350
63$3,537,257$1,720,158$1,361,081$2,781,903
64$3,824,172$1,730,561$1,332,793$2,939,029
65$4,138,026$1,739,146$1,301,229$3,110,012
66$4,481,492$1,745,752$1,266,207$3,296,266
67$4,857,515$1,750,205$1,227,536$3,499,353
68$5,269,338$1,752,321$1,185,016$3,720,999
69$5,720,533$1,751,907$1,138,435$3,963,108
70$6,215,031$1,748,755$1,087,577$4,227,781
71$6,757,165$1,742,644$1,032,212$4,517,338
72$7,351,705$1,733,343$972,100$4,834,341
73$8,003,905$1,720,603$906,992$5,181,616
74$8,719,553$1,704,162$836,626$5,562,282
75$9,505,024$1,683,742$760,729$5,979,781
76$10,367,339$1,659,048$679,015$6,437,911
77$11,314,233$1,629,767$591,188$6,940,865
78$12,354,227$1,595,568$496,935$7,493,268
79$13,496,708$1,556,101$395,932$8,100,222
80$14,752,016$1,510,994$287,840$8,767,357
81$16,131,543$1,459,853$172,304$9,500,886
82$17,647,838$1,402,264$48,954$10,307,661
83$19,314,728$1,337,786$0$11,195,242
84$21,147,445$1,265,952$0$12,193,141
85$23,162,772$1,186,271$0$13,304,138
86$25,379,199$1,098,222$0$14,525,938
87$27,817,096$1,001,254$0$15,869,846
88$30,498,909$894,785$0$17,348,323
89$33,449,368$778,199$0$18,975,104
90$36,695,720$650,848$0$20,765,333
91$40,267,987$512,043$0$22,735,701
92$44,199,249$361,060$0$24,904,609
93$48,525,953$197,133$0$27,292,338
94$53,288,260$19,452$0$29,921,248
95$58,530,421$0$0$32,815,983
96$64,301,195$0$0$36,051,256
97$70,654,310$0$0$39,619,083
98$77,648,965$0$0$43,547,383
99$85,350,395$0$0$47,872,814
100$93,830,479$0$0$52,635,773