Can I retire at age 52 with 1,550,000?

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 $1,550,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.1%
1 years$127,998$126,857$125,745$124,659$123,599$122,512
2 years$63,365$62,185$61,041$59,932$58,857$57,762
3 years$41,824$40,639$39,498$38,399$37,341$36,272
4 years$31,055$29,874$28,744$27,664$26,632$25,596
5 years$24,596$23,421$22,307$21,249$20,245$19,246
6 years$20,291$19,125$18,027$16,993$16,019$15,059
7 years$17,217$16,061$14,981$13,971$13,028$12,106
8 years$14,913$13,768$12,705$11,720$10,808$9,924
9 years$13,122$11,987$10,943$9,983$9,102$8,256
10 years$11,690$10,566$9,540$8,605$7,755$6,948
11 years$10,519$9,406$8,399$7,489$6,670$5,899
12 years$9,543$8,443$7,454$6,569$5,780$5,046
13 years$8,719$7,630$6,659$5,799$5,040$4,342
14 years$8,013$6,935$5,984$5,148$4,418$3,754
15 years$7,402$6,335$5,402$4,591$3,890$3,260
16 years$6,867$5,813$4,898$4,111$3,438$2,841
17 years$6,396$5,353$4,457$3,694$3,048$2,483
18 years$5,978$4,947$4,069$3,329$2,711$2,175
19 years$5,604$4,584$3,725$3,008$2,416$1,910
20 years$5,268$4,260$3,418$2,724$2,158$1,681
21 years$4,964$3,968$3,144$2,472$1,931$1,481
22 years$4,689$3,704$2,898$2,248$1,731$1,307
23 years$4,437$3,464$2,676$2,047$1,554$1,155
24 years$4,207$3,246$2,475$1,867$1,397$1,022
25 years$3,996$3,046$2,292$1,705$1,257$905
26 years$3,801$2,863$2,126$1,559$1,132$802
27 years$3,621$2,694$1,974$1,427$1,021$711
28 years$3,455$2,539$1,835$1,308$921$631
29 years$3,300$2,395$1,708$1,199$832$560
30 years$3,155$2,262$1,591$1,100$751$498
31 years$3,020$2,138$1,483$1,011$679$443
32 years$2,894$2,023$1,383$929$615$394
33 years$2,776$1,916$1,292$854$556$350
34 years$2,665$1,816$1,207$786$504$311
35 years$2,560$1,722$1,128$723$456$277
36 years$2,462$1,635$1,056$666$413$247
37 years$2,369$1,553$988$614$374$220
38 years$2,281$1,476$925$566$340$196
39 years$2,198$1,403$867$522$308$174
40 years$2,119$1,335$813$481$279$155
41 years$2,044$1,271$762$444$253$138
42 years$1,973$1,210$715$410$230$123
43 years$1,906$1,153$671$378$209$110
44 years$1,842$1,099$629$349$189$98
45 years$1,780$1,048$591$323$172$87
46 years$1,722$1,000$555$298$156$78
47 years$1,666$954$522$275$142$69
48 years$1,613$911$490$254$129$62
49 years$1,562$870$461$235$117$55
50 years$1,513$831$433$217$106$49

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,550,000, adding $3,480 every year, while hoping to spend $37,118 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: 32/45/23 Blend
51$1,550,000$1,550,000$1,550,000$1,550,000
52$1,711,690$1,629,540$1,605,515$1,754,249
53$1,846,789$1,669,894$1,619,806$1,827,025
54$1,994,424$1,710,981$1,633,332$1,901,775
55$2,155,835$1,752,799$1,646,028$1,981,533
56$2,332,385$1,795,342$1,657,826$2,066,762
57$2,525,579$1,838,604$1,668,654$2,157,970
58$2,737,071$1,882,578$1,678,436$2,255,722
59$2,968,681$1,927,254$1,687,093$2,360,634
60$3,222,418$1,972,620$1,694,541$2,473,391
61$3,500,489$2,018,664$1,700,694$2,594,744
62$3,805,330$2,065,369$1,705,458$2,725,523
63$4,139,620$2,112,718$1,708,737$2,866,640
64$4,506,311$2,160,691$1,710,430$3,019,104
65$4,908,655$2,209,265$1,710,429$3,184,025
66$5,350,233$2,258,415$1,708,624$3,362,627
67$5,834,991$2,308,110$1,704,896$3,556,261
68$6,367,272$2,358,321$1,699,123$3,766,414
69$6,951,866$2,409,010$1,691,176$3,994,728
70$7,594,045$2,460,140$1,680,919$4,243,011
71$8,299,619$2,511,668$1,668,210$4,513,259
72$9,074,987$2,563,547$1,652,902$4,807,671
73$9,927,199$2,615,725$1,634,839$5,128,672
74$10,864,025$2,668,146$1,613,857$5,478,936
75$11,894,020$2,720,750$1,589,786$5,861,413
76$13,026,614$2,773,471$1,562,447$6,279,352
77$14,272,193$2,826,236$1,531,654$6,736,340
78$15,642,203$2,878,967$1,497,211$7,236,328
79$17,149,253$2,931,582$1,458,912$7,783,676
80$18,807,235$2,983,988$1,416,544$8,383,187
81$20,631,458$3,036,088$1,369,883$9,040,163
82$22,638,786$3,087,776$1,318,694$9,760,443
83$24,847,804$3,138,938$1,262,732$10,550,471
84$27,278,987$3,189,454$1,201,741$11,417,348
85$29,954,898$3,239,191$1,135,453$12,368,906
86$32,900,395$3,288,008$1,063,588$13,413,777
87$36,142,871$3,335,756$985,853$14,561,481
88$39,712,508$3,382,273$901,944$15,822,514
89$43,642,565$3,427,385$811,540$17,208,445
90$47,969,688$3,470,909$714,308$18,732,031
91$52,734,259$3,512,646$609,900$20,407,338
92$57,980,773$3,552,385$497,952$22,249,869
93$63,758,262$3,589,902$378,083$24,276,719
94$70,120,753$3,624,956$249,897$26,506,733
95$77,127,781$3,657,290$112,980$28,960,686
96$84,844,950$3,686,632$0$31,661,481
97$93,344,549$3,712,692$0$34,642,498
98$102,706,238$3,735,159$0$37,953,555
99$113,017,797$3,753,703$0$41,597,697
100$124,375,953$3,767,976$0$45,608,866