Can I retire at age 52 with 1,540,000?

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 $1,540,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.3%
1 years$127,172$126,039$124,934$123,855$122,802$118,210
2 years$62,956$61,784$60,647$59,546$58,477$53,903
3 years$41,554$40,376$39,243$38,152$37,100$32,688
4 years$30,855$29,681$28,559$27,486$26,460$22,244
5 years$24,437$23,270$22,163$21,112$20,115$16,105
6 years$20,160$19,002$17,911$16,883$15,916$12,116
7 years$17,106$15,958$14,884$13,881$12,944$9,352
8 years$14,817$13,679$12,623$11,644$10,738$7,352
9 years$13,037$11,910$10,872$9,918$9,043$5,857
10 years$11,614$10,498$9,478$8,550$7,705$4,714
11 years$10,451$9,346$8,345$7,441$6,627$3,823
12 years$9,482$8,388$7,406$6,527$5,743$3,120
13 years$8,663$7,580$6,617$5,762$5,008$2,559
14 years$7,961$6,890$5,945$5,115$4,390$2,107
15 years$7,354$6,295$5,368$4,562$3,865$1,740
16 years$6,823$5,775$4,866$4,084$3,416$1,441
17 years$6,355$5,319$4,428$3,670$3,029$1,195
18 years$5,939$4,915$4,042$3,307$2,693$994
19 years$5,568$4,555$3,701$2,988$2,400$827
20 years$5,234$4,233$3,396$2,707$2,144$689
21 years$4,932$3,943$3,124$2,456$1,919$575
22 years$4,658$3,680$2,879$2,233$1,720$480
23 years$4,409$3,442$2,658$2,034$1,544$401
24 years$4,180$3,225$2,459$1,855$1,388$335
25 years$3,970$3,026$2,277$1,694$1,249$280
26 years$3,777$2,844$2,112$1,549$1,125$234
27 years$3,598$2,677$1,961$1,418$1,014$196
28 years$3,432$2,522$1,823$1,299$915$164
29 years$3,278$2,380$1,697$1,191$826$137
30 years$3,135$2,247$1,580$1,093$747$115
31 years$3,001$2,124$1,473$1,004$675$96
32 years$2,875$2,010$1,375$923$611$81
33 years$2,758$1,904$1,283$849$553$68
34 years$2,648$1,804$1,199$781$500$57
35 years$2,544$1,711$1,121$719$453$48
36 years$2,446$1,624$1,049$662$411$40
37 years$2,354$1,543$982$610$372$33
38 years$2,266$1,466$919$562$337$28
39 years$2,184$1,394$861$518$306$23
40 years$2,105$1,326$807$478$277$20
41 years$2,031$1,263$757$441$252$16
42 years$1,961$1,202$710$407$228$14
43 years$1,894$1,146$666$376$207$12
44 years$1,830$1,092$625$347$188$10
45 years$1,769$1,041$587$320$171$8
46 years$1,711$993$552$296$155$7
47 years$1,656$948$518$273$141$6
48 years$1,603$905$487$253$128$5
49 years$1,552$864$458$234$116$4
50 years$1,504$826$430$216$106$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,540,000, adding $4,215 every year, while hoping to spend $49,468 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: 52/24/24 Blend
51$1,540,000$1,540,000$1,540,000$1,540,000
52$1,701,428$1,619,808$1,595,938$1,778,329
53$1,822,340$1,646,545$1,596,768$1,858,704
54$1,953,927$1,672,934$1,595,968$1,940,675
55$2,097,226$1,698,906$1,593,432$2,028,825
56$2,253,377$1,724,387$1,589,046$2,123,761
57$2,423,636$1,749,296$1,582,693$2,226,155
58$2,609,385$1,773,549$1,574,251$2,336,745
59$2,812,144$1,797,055$1,563,590$2,456,348
60$3,033,587$1,819,715$1,550,575$2,585,866
61$3,275,557$1,841,426$1,535,064$2,726,293
62$3,540,084$1,862,075$1,516,908$2,878,728
63$3,829,400$1,881,545$1,495,953$3,044,381
64$4,145,966$1,899,708$1,472,034$3,224,591
65$4,492,490$1,916,429$1,444,983$3,420,833
66$4,871,954$1,931,563$1,414,619$3,634,735
67$5,287,641$1,944,958$1,380,757$3,868,094
68$5,743,170$1,956,450$1,343,202$4,122,895
69$6,242,522$1,965,865$1,301,748$4,401,324
70$6,790,085$1,973,018$1,256,182$4,705,796
71$7,390,690$1,977,713$1,206,281$5,038,976
72$8,049,660$1,979,740$1,151,811$5,403,803
73$8,772,856$1,978,878$1,092,527$5,803,519
74$9,566,735$1,974,891$1,028,174$6,241,702
75$10,438,409$1,967,528$958,485$6,722,298
76$11,395,714$1,956,524$883,182$7,249,663
77$12,447,281$1,941,598$801,973$7,828,598
78$13,602,617$1,922,450$714,552$8,464,402
79$14,872,198$1,898,764$620,604$9,162,919
80$16,267,563$1,870,204$519,794$9,930,594
81$17,801,424$1,836,414$411,778$10,774,537
82$19,487,789$1,797,017$296,191$11,702,591
83$21,342,087$1,751,614$172,657$12,723,402
84$23,381,319$1,699,783$40,781$13,846,511
85$25,624,217$1,641,075$0$15,082,435
86$28,091,417$1,575,019$0$16,468,371
87$30,805,659$1,501,111$0$18,004,324
88$33,791,993$1,418,823$0$19,694,063
89$37,078,025$1,327,594$0$21,553,263
90$40,694,168$1,226,831$0$23,599,202
91$44,673,935$1,115,907$0$25,850,927
92$49,054,250$994,160$0$28,329,427
93$53,875,800$860,891$0$31,057,843
94$59,183,416$715,358$0$34,061,675
95$65,026,495$556,782$0$37,369,034
96$71,459,469$384,336$0$41,010,902
97$78,542,315$197,148$0$45,021,428
98$86,341,122$0$0$49,438,250
99$94,928,713$0$0$54,304,359
100$104,385,333$0$0$59,720,432