Can I retire at age 52 with 1,530,000?

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 $1,530,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.3%
1 years$126,346$125,221$124,123$123,051$122,004$121,337
2 years$62,548$61,383$60,254$59,159$58,097$57,424
3 years$41,284$40,114$38,988$37,904$36,859$36,201
4 years$30,655$29,488$28,373$27,308$26,288$25,650
5 years$24,278$23,119$22,019$20,975$19,984$19,367
6 years$20,029$18,878$17,795$16,774$15,813$15,218
7 years$16,995$15,854$14,787$13,791$12,860$12,289
8 years$14,721$13,590$12,541$11,569$10,669$10,120
9 years$12,952$11,832$10,801$9,854$8,984$8,459
10 years$11,539$10,430$9,417$8,494$7,655$7,152
11 years$10,383$9,285$8,291$7,392$6,584$6,103
12 years$9,420$8,334$7,358$6,484$5,705$5,246
13 years$8,606$7,531$6,574$5,725$4,975$4,537
14 years$7,910$6,846$5,906$5,082$4,361$3,944
15 years$7,306$6,254$5,333$4,532$3,840$3,443
16 years$6,778$5,738$4,835$4,058$3,394$3,017
17 years$6,313$5,284$4,399$3,646$3,009$2,651
18 years$5,901$4,883$4,016$3,286$2,676$2,336
19 years$5,532$4,525$3,677$2,969$2,385$2,063
20 years$5,200$4,205$3,374$2,689$2,130$1,826
21 years$4,900$3,917$3,104$2,440$1,906$1,619
22 years$4,628$3,656$2,860$2,219$1,709$1,437
23 years$4,380$3,420$2,641$2,021$1,534$1,278
24 years$4,153$3,204$2,443$1,843$1,379$1,137
25 years$3,945$3,007$2,262$1,683$1,241$1,013
26 years$3,752$2,826$2,098$1,539$1,117$903
27 years$3,575$2,660$1,948$1,409$1,007$806
28 years$3,410$2,506$1,811$1,291$909$720
29 years$3,257$2,364$1,686$1,184$821$644
30 years$3,114$2,233$1,570$1,086$742$576
31 years$2,981$2,111$1,464$998$671$515
32 years$2,857$1,997$1,366$917$607$461
33 years$2,740$1,891$1,275$843$549$413
34 years$2,630$1,793$1,191$776$497$370
35 years$2,527$1,700$1,114$714$450$331
36 years$2,430$1,614$1,042$658$408$297
37 years$2,338$1,533$975$606$370$266
38 years$2,252$1,457$913$559$335$239
39 years$2,170$1,385$856$515$304$214
40 years$2,092$1,318$802$475$276$192
41 years$2,018$1,254$752$438$250$172
42 years$1,948$1,195$705$404$227$155
43 years$1,881$1,138$662$373$206$139
44 years$1,818$1,085$621$345$187$125
45 years$1,757$1,035$583$318$170$112
46 years$1,700$987$548$294$154$100
47 years$1,645$942$515$272$140$90
48 years$1,592$899$484$251$127$81
49 years$1,542$859$455$232$115$73
50 years$1,494$820$428$214$105$65

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,530,000, adding $3,421 every year, while hoping to spend $21,718 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: 63/15/22 Blend
51$1,530,000$1,530,000$1,530,000$1,530,000
52$1,689,589$1,608,499$1,584,784$1,786,165
53$1,838,819$1,664,207$1,614,766$1,907,456
54$2,002,543$1,721,918$1,645,025$2,037,141
55$2,182,216$1,781,705$1,675,547$2,178,287
56$2,379,441$1,843,648$1,706,317$2,332,017
57$2,595,984$1,907,827$1,737,319$2,499,565
58$2,833,790$1,974,326$1,768,535$2,682,291
59$3,095,003$2,043,235$1,799,947$2,881,692
60$3,381,983$2,114,642$1,831,535$3,099,418
61$3,697,330$2,188,645$1,863,276$3,337,284
62$4,043,910$2,265,341$1,895,148$3,597,289
63$4,424,878$2,344,832$1,927,125$3,881,635
64$4,843,713$2,427,226$1,959,181$4,192,746
65$5,304,245$2,512,634$1,991,287$4,533,295
66$5,810,696$2,601,170$2,023,413$4,906,222
67$6,367,715$2,692,955$2,055,525$5,314,768
68$6,980,426$2,788,115$2,087,589$5,762,502
69$7,654,475$2,886,777$2,119,569$6,253,354
70$8,396,081$2,989,079$2,151,424$6,791,656
71$9,212,098$3,095,161$2,183,113$7,382,178
72$10,110,076$3,205,168$2,214,592$8,030,176
73$11,098,336$3,319,253$2,245,813$8,741,439
74$12,186,045$3,437,575$2,276,726$9,522,346
75$13,383,304$3,560,299$2,307,279$10,379,923
76$14,701,244$3,687,596$2,337,416$11,321,911
77$16,152,128$3,819,646$2,367,076$12,356,841
78$17,749,469$3,956,633$2,396,198$13,494,109
79$19,508,159$4,098,752$2,424,715$14,744,069
80$21,444,606$4,246,205$2,452,557$16,118,127
81$23,576,888$4,399,202$2,479,650$17,628,852
82$25,924,928$4,557,960$2,505,916$19,290,092
83$28,510,679$4,722,709$2,531,272$21,117,105
84$31,358,331$4,893,684$2,555,633$23,126,704
85$34,494,540$5,071,134$2,578,905$25,337,412
86$37,948,678$5,255,314$2,600,994$27,769,640
87$41,753,113$5,446,495$2,621,797$30,445,879
88$45,943,511$5,644,953$2,641,207$33,390,910
89$50,559,174$5,850,981$2,659,113$36,632,041
90$55,643,412$6,064,881$2,675,395$40,199,358
91$61,243,949$6,286,969$2,689,930$44,126,018
92$67,413,375$6,517,574$2,702,586$48,448,554
93$74,209,643$6,757,038$2,713,226$53,207,223
94$81,696,613$7,005,720$2,721,706$58,446,384
95$89,944,658$7,263,991$2,727,874$64,214,918
96$99,031,326$7,532,240$2,731,570$70,566,689
97$109,042,072$7,810,870$2,732,629$77,561,051
98$120,071,066$8,100,304$2,730,874$85,263,408
99$132,222,077$8,400,982$2,726,121$93,745,833
100$145,609,460$8,713,362$2,718,177$103,087,743