Can I retire at age 52 with 1,480,000?

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 $1,480,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.8%
1 years$122,217$121,128$120,066$119,030$118,017$116,158
2 years$60,503$59,377$58,285$57,226$56,199$54,330
3 years$39,935$38,803$37,714$36,665$35,655$33,835
4 years$29,653$28,525$27,446$26,415$25,429$23,673
5 years$23,485$22,364$21,299$20,289$19,331$17,643
6 years$19,375$18,262$17,213$16,226$15,296$13,678
7 years$16,440$15,336$14,304$13,340$12,440$10,892
8 years$14,239$13,146$12,131$11,191$10,320$8,843
9 years$12,529$11,446$10,448$9,532$8,691$7,283
10 years$11,162$10,089$9,109$8,217$7,405$6,066
11 years$10,044$8,982$8,020$7,151$6,369$5,096
12 years$9,112$8,061$7,117$6,272$5,519$4,312
13 years$8,325$7,285$6,359$5,537$4,813$3,669
14 years$7,651$6,622$5,713$4,916$4,219$3,137
15 years$7,067$6,049$5,158$4,384$3,714$2,693
16 years$6,557$5,550$4,677$3,925$3,283$2,319
17 years$6,107$5,111$4,256$3,527$2,911$2,003
18 years$5,708$4,723$3,885$3,178$2,588$1,734
19 years$5,351$4,377$3,556$2,872$2,307$1,504
20 years$5,030$4,068$3,264$2,601$2,061$1,307
21 years$4,740$3,789$3,002$2,361$1,844$1,137
22 years$4,477$3,537$2,767$2,146$1,653$990
23 years$4,237$3,308$2,555$1,955$1,484$864
24 years$4,017$3,099$2,363$1,783$1,334$754
25 years$3,816$2,909$2,188$1,628$1,200$659
26 years$3,630$2,734$2,030$1,489$1,081$576
27 years$3,458$2,573$1,885$1,363$975$504
28 years$3,299$2,424$1,752$1,248$879$441
29 years$3,151$2,287$1,630$1,145$794$386
30 years$3,013$2,160$1,519$1,051$717$339
31 years$2,884$2,042$1,416$965$649$297
32 years$2,763$1,932$1,321$887$587$260
33 years$2,650$1,829$1,233$816$531$228
34 years$2,544$1,734$1,152$750$481$200
35 years$2,445$1,645$1,077$691$435$176
36 years$2,351$1,561$1,008$636$395$154
37 years$2,262$1,483$943$586$358$135
38 years$2,178$1,409$883$540$324$119
39 years$2,099$1,340$828$498$294$104
40 years$2,023$1,275$776$459$267$92
41 years$1,952$1,213$727$424$242$80
42 years$1,884$1,156$682$391$220$71
43 years$1,820$1,101$640$361$199$62
44 years$1,758$1,050$601$333$181$54
45 years$1,700$1,001$564$308$164$48
46 years$1,644$955$530$284$149$42
47 years$1,591$911$498$263$135$37
48 years$1,540$870$468$243$123$32
49 years$1,492$831$440$224$112$28
50 years$1,445$793$414$207$101$25

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,480,000, adding $6,069 every year, while hoping to spend $41,712 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: 86/7/7 Blend
51$1,480,000$1,480,000$1,480,000$1,480,000
52$1,637,220$1,558,780$1,535,840$1,776,613
53$1,759,835$1,590,779$1,542,910$1,900,413
54$1,893,559$1,622,948$1,548,818$2,030,066
55$2,039,481$1,655,251$1,553,482$2,171,204
56$2,198,799$1,687,650$1,556,815$2,324,952
57$2,372,834$1,720,102$1,558,725$2,492,553
58$2,563,037$1,752,561$1,559,116$2,675,372
59$2,771,009$1,784,978$1,557,889$2,874,915
60$2,998,509$1,817,300$1,554,936$3,092,839
61$3,247,478$1,849,468$1,550,147$3,330,970
62$3,520,050$1,881,421$1,543,406$3,591,318
63$3,818,576$1,913,092$1,534,591$3,876,097
64$4,145,645$1,944,408$1,523,574$4,187,748
65$4,504,110$1,975,292$1,510,222$4,528,958
66$4,897,109$2,005,661$1,494,395$4,902,685
67$5,328,101$2,035,427$1,475,945$5,312,192
68$5,800,897$2,064,492$1,454,718$5,761,071
69$6,319,692$2,092,756$1,430,555$6,253,279
70$6,889,108$2,120,108$1,403,286$6,793,176
71$7,514,236$2,146,432$1,372,734$7,385,566
72$8,200,683$2,171,602$1,338,716$8,035,742
73$8,954,628$2,195,486$1,301,039$8,749,534
74$9,782,876$2,217,940$1,259,499$9,533,368
75$10,692,923$2,238,814$1,213,887$10,394,322
76$11,693,030$2,257,944$1,163,980$11,340,195
77$12,792,295$2,275,159$1,109,549$12,379,583
78$14,000,741$2,290,274$1,050,351$13,521,955
79$15,329,414$2,303,095$986,135$14,777,744
80$16,790,480$2,313,412$916,637$16,158,448
81$18,397,345$2,321,005$841,580$17,676,735
82$20,164,778$2,325,639$760,677$19,346,566
83$22,109,054$2,327,063$673,628$21,183,323
84$24,248,100$2,325,012$580,117$23,203,956
85$26,601,673$2,319,205$479,818$25,427,144
86$29,191,539$2,309,341$372,387$27,873,468
87$32,041,681$2,295,103$257,467$30,565,608
88$35,178,524$2,276,155$134,684$33,528,558
89$38,631,186$2,252,139$3,648$36,789,859
90$42,431,749$2,222,677$0$40,379,858
91$46,615,566$2,187,366$0$44,342,173
92$51,221,589$2,145,782$0$48,704,436
93$56,292,740$2,097,475$0$53,507,019
94$61,876,316$2,041,967$0$58,794,711
95$68,024,429$1,978,753$0$64,616,865
96$74,794,508$1,907,299$0$71,027,866
97$82,249,829$1,827,038$0$78,087,642
98$90,460,122$1,737,372$0$85,862,232
99$99,502,219$1,637,669$0$94,424,406
100$109,460,788$1,527,257$0$103,854,357