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

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 $1,350,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.1%
1 years$111,482$110,489$109,520$108,574$107,651$107,152
2 years$55,189$54,161$53,165$52,199$51,262$50,759
3 years$36,427$35,395$34,401$33,445$32,523$32,030
4 years$27,048$26,019$25,035$24,095$23,196$22,718
5 years$21,422$20,399$19,428$18,507$17,633$17,171
6 years$17,673$16,657$15,701$14,800$13,952$13,507
7 years$14,996$13,989$13,048$12,168$11,347$10,919
8 years$12,989$11,991$11,065$10,208$9,413$9,002
9 years$11,429$10,440$9,531$8,695$7,927$7,533
10 years$10,181$9,203$8,309$7,495$6,755$6,377
11 years$9,161$8,193$7,315$6,523$5,809$5,448
12 years$8,312$7,353$6,492$5,721$5,034$4,689
13 years$7,594$6,645$5,800$5,051$4,390$4,061
14 years$6,979$6,040$5,211$4,484$3,848$3,534
15 years$6,446$5,518$4,705$3,999$3,388$3,090
16 years$5,981$5,063$4,266$3,580$2,994$2,711
17 years$5,571$4,662$3,882$3,217$2,655$2,385
18 years$5,206$4,308$3,544$2,899$2,361$2,105
19 years$4,881$3,993$3,244$2,620$2,104$1,862
20 years$4,588$3,710$2,977$2,373$1,880$1,650
21 years$4,324$3,456$2,738$2,153$1,682$1,465
22 years$4,084$3,226$2,524$1,958$1,508$1,302
23 years$3,865$3,017$2,330$1,783$1,353$1,160
24 years$3,665$2,827$2,155$1,626$1,216$1,034
25 years$3,481$2,653$1,996$1,485$1,095$922
26 years$3,311$2,493$1,851$1,358$986$824
27 years$3,154$2,347$1,719$1,243$889$736
28 years$3,009$2,211$1,598$1,139$802$659
29 years$2,874$2,086$1,487$1,044$724$590
30 years$2,748$1,970$1,385$958$654$528
31 years$2,631$1,862$1,291$880$592$473
32 years$2,521$1,762$1,205$809$535$424
33 years$2,418$1,669$1,125$744$484$381
34 years$2,321$1,582$1,051$684$439$341
35 years$2,230$1,500$983$630$397$306
36 years$2,144$1,424$919$580$360$275
37 years$2,063$1,352$861$535$326$247
38 years$1,987$1,285$806$493$296$222
39 years$1,914$1,222$755$454$268$199
40 years$1,846$1,163$708$419$243$179
41 years$1,781$1,107$664$387$221$161
42 years$1,719$1,054$622$357$200$145
43 years$1,660$1,004$584$329$182$130
44 years$1,604$957$548$304$165$117
45 years$1,551$913$515$281$150$105
46 years$1,500$871$484$259$136$95
47 years$1,451$831$454$240$123$85
48 years$1,405$793$427$222$112$77
49 years$1,361$758$401$205$102$69
50 years$1,318$724$377$189$92$62

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 $3,527 every year, while hoping to spend $38,247 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: 50/43/7 Blend
51$1,350,000$1,350,000$1,350,000$1,350,000
52$1,491,338$1,419,788$1,398,863$1,563,081
53$1,602,760$1,448,663$1,405,031$1,641,245
54$1,724,265$1,477,671$1,410,123$1,721,742
55$1,856,842$1,506,779$1,414,063$1,808,305
56$2,001,577$1,535,948$1,416,772$1,901,509
57$2,159,668$1,565,140$1,418,164$2,001,990
58$2,332,434$1,594,311$1,418,152$2,110,450
59$2,521,325$1,623,415$1,416,643$2,227,658
60$2,727,938$1,652,401$1,413,539$2,354,467
61$2,954,034$1,681,214$1,408,738$2,491,814
62$3,201,548$1,709,797$1,402,133$2,640,732
63$3,472,614$1,738,085$1,393,613$2,802,359
64$3,769,581$1,766,012$1,383,060$2,977,951
65$4,095,036$1,793,503$1,370,349$3,168,892
66$4,451,827$1,820,482$1,355,353$3,376,707
67$4,843,092$1,846,865$1,337,937$3,603,077
68$5,272,287$1,872,562$1,317,958$3,849,856
69$5,743,220$1,897,476$1,295,268$4,119,089
70$6,260,081$1,921,506$1,269,713$4,413,026
71$6,827,491$1,944,541$1,241,130$4,734,154
72$7,450,537$1,966,465$1,209,349$5,085,208
73$8,134,822$1,987,152$1,174,193$5,469,210
74$8,886,521$2,006,470$1,135,475$5,889,486
75$9,712,434$2,024,275$1,093,002$6,349,706
76$10,620,055$2,040,417$1,046,570$6,853,915
77$11,617,637$2,054,733$995,966$7,406,574
78$12,714,273$2,067,053$940,969$8,012,600
79$13,919,984$2,077,193$881,346$8,677,414
80$15,245,805$2,084,959$816,854$9,406,993
81$16,703,899$2,090,143$747,240$10,207,925
82$18,307,664$2,092,527$672,240$11,087,476
83$20,071,861$2,091,877$591,576$12,053,655
84$22,012,757$2,087,945$504,959$13,115,290
85$24,148,271$2,080,467$412,088$14,282,116
86$26,498,149$2,069,164$312,648$15,564,864
87$29,084,148$2,053,741$206,309$16,975,364
88$31,930,239$2,033,882$92,728$18,526,659
89$35,062,835$2,009,254$0$20,233,127
90$38,511,042$1,979,505$0$22,112,745
91$42,306,927$1,944,260$0$24,188,388
92$46,485,826$1,903,122$0$26,472,414
93$51,086,677$1,855,671$0$28,986,088
94$56,152,383$1,801,463$0$31,752,849
95$61,730,218$1,740,027$0$34,798,534
96$67,872,277$1,670,866$0$38,151,622
97$74,635,962$1,593,450$0$41,843,502
98$82,084,524$1,507,224$0$45,908,777
99$90,287,665$1,411,597$0$50,385,584
100$99,322,188$1,305,946$0$55,315,960