Can I retire at age 52 with 1,570,000?

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 $1,570,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.8%
1 years$129,649$128,494$127,368$126,268$125,194$121,235
2 years$64,183$62,987$61,829$60,706$59,616$55,663
3 years$42,363$41,163$40,007$38,895$37,823$34,000
4 years$31,456$30,259$29,115$28,021$26,976$23,313
5 years$24,913$23,724$22,595$21,523$20,506$17,013
6 years$20,553$19,372$18,260$17,212$16,226$12,905
7 years$17,439$16,269$15,174$14,151$13,196$10,047
8 years$15,105$13,945$12,869$11,871$10,947$7,968
9 years$13,291$12,142$11,084$10,111$9,219$6,407
10 years$11,840$10,702$9,663$8,716$7,855$5,205
11 years$10,654$9,528$8,507$7,586$6,756$4,263
12 years$9,667$8,552$7,550$6,654$5,854$3,514
13 years$8,831$7,728$6,745$5,874$5,105$2,912
14 years$8,116$7,025$6,061$5,214$4,475$2,422
15 years$7,497$6,417$5,472$4,650$3,940$2,022
16 years$6,956$5,888$4,961$4,164$3,482$1,692
17 years$6,479$5,422$4,515$3,741$3,088$1,420
18 years$6,055$5,010$4,121$3,372$2,746$1,193
19 years$5,676$4,644$3,773$3,047$2,447$1,005
20 years$5,336$4,315$3,462$2,759$2,186$847
21 years$5,028$4,019$3,185$2,504$1,956$715
22 years$4,749$3,752$2,935$2,277$1,753$604
23 years$4,495$3,509$2,710$2,074$1,574$510
24 years$4,262$3,288$2,506$1,891$1,415$432
25 years$4,048$3,085$2,321$1,727$1,273$365
26 years$3,850$2,900$2,153$1,579$1,147$309
27 years$3,668$2,729$1,999$1,446$1,034$262
28 years$3,499$2,572$1,859$1,324$933$222
29 years$3,342$2,426$1,730$1,215$842$188
30 years$3,196$2,291$1,611$1,115$761$160
31 years$3,059$2,166$1,502$1,024$688$135
32 years$2,931$2,049$1,401$941$622$115
33 years$2,812$1,941$1,308$865$563$97
34 years$2,699$1,839$1,223$796$510$83
35 years$2,593$1,745$1,143$733$462$70
36 years$2,494$1,656$1,069$675$419$59
37 years$2,399$1,573$1,001$622$379$50
38 years$2,310$1,495$937$573$344$43
39 years$2,226$1,421$878$528$312$36
40 years$2,146$1,352$823$487$283$31
41 years$2,071$1,287$772$450$257$26
42 years$1,999$1,226$724$415$233$22
43 years$1,930$1,168$679$383$211$19
44 years$1,865$1,113$638$354$192$16
45 years$1,803$1,062$599$327$174$14
46 years$1,744$1,013$562$302$158$12
47 years$1,688$967$528$279$144$10
48 years$1,634$923$496$258$130$8
49 years$1,582$881$467$238$118$7
50 years$1,533$842$439$220$108$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,570,000, adding $6,335 every year, while hoping to spend $39,882 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: 56/39/5 Blend
51$1,570,000$1,570,000$1,570,000$1,570,000
52$1,736,675$1,653,465$1,629,130$1,831,862
53$1,871,381$1,692,050$1,641,271$1,935,220
54$2,018,491$1,731,190$1,652,483$2,042,700
55$2,179,228$1,770,869$1,662,692$2,158,762
56$2,354,937$1,811,069$1,671,820$2,284,225
57$2,547,102$1,851,773$1,679,787$2,419,992
58$2,757,354$1,892,958$1,686,508$2,567,057
59$2,987,492$1,934,600$1,691,893$2,726,515
60$3,239,493$1,976,672$1,695,848$2,899,572
61$3,515,537$2,019,145$1,698,276$3,087,556
62$3,818,025$2,061,987$1,699,071$3,291,929
63$4,149,600$2,105,160$1,698,126$3,514,302
64$4,513,172$2,148,626$1,695,327$3,756,449
65$4,911,949$2,192,342$1,690,553$4,020,327
66$5,349,462$2,236,261$1,683,681$4,308,088
67$5,829,601$2,280,331$1,674,577$4,622,106
68$6,356,650$2,324,497$1,663,106$4,964,996
69$6,935,330$2,368,699$1,649,121$5,339,637
70$7,570,839$2,412,871$1,632,473$5,749,205
71$8,268,906$2,456,944$1,613,002$6,197,197
72$9,035,840$2,500,839$1,590,543$6,687,467
73$9,878,592$2,544,476$1,564,922$7,224,262
74$10,804,818$2,587,766$1,535,958$7,812,262
75$11,822,956$2,630,613$1,503,459$8,456,625
76$12,942,300$2,672,915$1,467,227$9,163,034
77$14,173,089$2,714,562$1,427,053$9,937,753
78$15,526,604$2,755,436$1,382,720$10,787,685
79$17,015,276$2,795,410$1,333,999$11,720,436
80$18,652,798$2,834,350$1,280,652$12,744,391
81$20,454,260$2,872,109$1,222,430$13,868,788
82$22,436,285$2,908,533$1,159,072$15,103,811
83$24,617,191$2,943,456$1,090,306$16,460,682
84$27,017,160$2,976,701$1,015,847$17,951,768
85$29,658,430$3,008,079$935,397$19,590,701
86$32,565,504$3,037,388$848,646$21,392,503
87$35,765,379$3,064,414$755,270$23,373,731
88$39,287,804$3,088,927$654,928$25,552,633
89$43,165,560$3,110,684$547,268$27,949,319
90$47,434,764$3,129,424$431,918$30,585,954
91$52,135,215$3,144,872$308,493$33,486,967
92$57,310,769$3,156,733$176,589$36,679,279
93$63,009,749$3,164,694$35,787$40,192,564
94$69,285,404$3,168,424$0$44,059,523
95$76,196,407$3,167,570$0$48,322,306
96$83,807,416$3,161,756$0$53,016,962
97$92,189,676$3,150,585$0$58,185,385
98$101,421,694$3,133,635$0$63,875,851
99$111,589,981$3,110,457$0$70,141,563
100$122,789,866$3,080,576$0$77,041,158