Can I retire at age 52 with 1,350,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $1,350,000?

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$111,482$110,489$109,520$108,574$107,651$104,247
2 years$55,189$54,161$53,165$52,199$51,262$47,863
3 years$36,427$35,395$34,401$33,445$32,523$29,236
4 years$27,048$26,019$25,035$24,095$23,196$20,046
5 years$21,422$20,399$19,428$18,507$17,633$14,629
6 years$17,673$16,657$15,701$14,800$13,952$11,097
7 years$14,996$13,989$13,048$12,168$11,347$8,639
8 years$12,989$11,991$11,065$10,208$9,413$6,852
9 years$11,429$10,440$9,531$8,695$7,927$5,509
10 years$10,181$9,203$8,309$7,495$6,755$4,476
11 years$9,161$8,193$7,315$6,523$5,809$3,666
12 years$8,312$7,353$6,492$5,721$5,034$3,022
13 years$7,594$6,645$5,800$5,051$4,390$2,504
14 years$6,979$6,040$5,211$4,484$3,848$2,083
15 years$6,446$5,518$4,705$3,999$3,388$1,739
16 years$5,981$5,063$4,266$3,580$2,994$1,455
17 years$5,571$4,662$3,882$3,217$2,655$1,221
18 years$5,206$4,308$3,544$2,899$2,361$1,026
19 years$4,881$3,993$3,244$2,620$2,104$864
20 years$4,588$3,710$2,977$2,373$1,880$728
21 years$4,324$3,456$2,738$2,153$1,682$615
22 years$4,084$3,226$2,524$1,958$1,508$519
23 years$3,865$3,017$2,330$1,783$1,353$439
24 years$3,665$2,827$2,155$1,626$1,216$371
25 years$3,481$2,653$1,996$1,485$1,095$314
26 years$3,311$2,493$1,851$1,358$986$266
27 years$3,154$2,347$1,719$1,243$889$225
28 years$3,009$2,211$1,598$1,139$802$191
29 years$2,874$2,086$1,487$1,044$724$162
30 years$2,748$1,970$1,385$958$654$137
31 years$2,631$1,862$1,291$880$592$116
32 years$2,521$1,762$1,205$809$535$99
33 years$2,418$1,669$1,125$744$484$84
34 years$2,321$1,582$1,051$684$439$71
35 years$2,230$1,500$983$630$397$60
36 years$2,144$1,424$919$580$360$51
37 years$2,063$1,352$861$535$326$43
38 years$1,987$1,285$806$493$296$37
39 years$1,914$1,222$755$454$268$31
40 years$1,846$1,163$708$419$243$27
41 years$1,781$1,107$664$387$221$22
42 years$1,719$1,054$622$357$200$19
43 years$1,660$1,004$584$329$182$16
44 years$1,604$957$548$304$165$14
45 years$1,551$913$515$281$150$12
46 years$1,500$871$484$259$136$10
47 years$1,451$831$454$240$123$8
48 years$1,405$793$427$222$112$7
49 years$1,361$758$401$205$102$6
50 years$1,318$724$377$189$92$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,350,000, adding $3,791 every year, while hoping to spend $59,563 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: 32/40/28 Blend
51$1,350,000$1,350,000$1,350,000$1,350,000
52$1,491,610$1,420,060$1,399,135$1,526,500
53$1,580,380$1,426,269$1,382,632$1,559,779
54$1,676,208$1,430,785$1,363,579$1,590,076
55$1,779,751$1,433,464$1,341,829$1,621,546
56$1,891,732$1,434,149$1,317,226$1,654,334
57$2,012,943$1,432,677$1,289,608$1,688,604
58$2,144,258$1,428,874$1,258,805$1,724,540
59$2,286,637$1,422,552$1,224,639$1,762,352
60$2,441,133$1,413,516$1,186,924$1,802,277
61$2,608,907$1,401,558$1,145,464$1,844,578
62$2,791,236$1,386,454$1,100,058$1,889,555
63$2,989,524$1,367,972$1,050,491$1,937,543
64$3,205,314$1,345,862$996,542$1,988,918
65$3,440,308$1,319,860$937,977$2,044,101
66$3,696,374$1,289,688$874,554$2,103,565
67$3,975,571$1,255,050$806,019$2,167,839
68$4,280,165$1,215,633$732,106$2,237,512
69$4,612,649$1,171,106$652,539$2,313,246
70$4,975,767$1,121,118$567,026$2,395,778
71$5,372,540$1,065,298$475,267$2,485,929
72$5,806,296$1,003,255$376,945$2,584,618
73$6,280,696$934,572$271,731$2,692,866
74$6,799,774$858,813$159,280$2,811,813
75$7,367,968$775,512$39,233$2,942,724
76$7,990,168$684,179$0$3,087,011
77$8,671,759$584,298$0$3,272,796
78$9,418,669$475,319$0$3,489,502
79$10,237,430$356,667$0$3,727,456
80$11,135,234$227,729$0$3,988,936
81$12,120,001$87,861$0$4,276,466
82$13,200,457$0$0$4,592,834
83$14,386,212$0$0$4,969,129
84$15,687,853$0$0$5,424,863
85$17,117,040$0$0$5,925,471
86$18,686,618$0$0$6,475,481
87$20,410,738$0$0$7,079,878
88$22,304,988$0$0$7,744,157
89$24,386,540$0$0$8,474,369
90$26,674,314$0$0$9,277,182
91$29,189,152$0$0$10,159,944
92$31,954,015$0$0$11,130,746
93$34,994,204$0$0$12,198,506
94$38,337,589$0$0$13,373,049
95$42,014,880$0$0$14,665,200
96$46,059,911$0$0$16,086,885
97$50,509,959$0$0$17,651,246
98$55,406,098$0$0$19,372,762
99$60,793,583$0$0$21,267,387
100$66,722,278$0$0$23,352,700