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%11.7%
1 years$111,482$110,489$109,520$108,574$107,651$106,883
2 years$55,189$54,161$53,165$52,199$51,262$50,488
3 years$36,427$35,395$34,401$33,445$32,523$31,766
4 years$27,048$26,019$25,035$24,095$23,196$22,462
5 years$21,422$20,399$19,428$18,507$17,633$16,925
6 years$17,673$16,657$15,701$14,800$13,952$13,271
7 years$14,996$13,989$13,048$12,168$11,347$10,692
8 years$12,989$11,991$11,065$10,208$9,413$8,786
9 years$11,429$10,440$9,531$8,695$7,927$7,326
10 years$10,181$9,203$8,309$7,495$6,755$6,180
11 years$9,161$8,193$7,315$6,523$5,809$5,260
12 years$8,312$7,353$6,492$5,721$5,034$4,510
13 years$7,594$6,645$5,800$5,051$4,390$3,891
14 years$6,979$6,040$5,211$4,484$3,848$3,373
15 years$6,446$5,518$4,705$3,999$3,388$2,937
16 years$5,981$5,063$4,266$3,580$2,994$2,566
17 years$5,571$4,662$3,882$3,217$2,655$2,249
18 years$5,206$4,308$3,544$2,899$2,361$1,976
19 years$4,881$3,993$3,244$2,620$2,104$1,741
20 years$4,588$3,710$2,977$2,373$1,880$1,536
21 years$4,324$3,456$2,738$2,153$1,682$1,357
22 years$4,084$3,226$2,524$1,958$1,508$1,202
23 years$3,865$3,017$2,330$1,783$1,353$1,065
24 years$3,665$2,827$2,155$1,626$1,216$945
25 years$3,481$2,653$1,996$1,485$1,095$839
26 years$3,311$2,493$1,851$1,358$986$746
27 years$3,154$2,347$1,719$1,243$889$664
28 years$3,009$2,211$1,598$1,139$802$591
29 years$2,874$2,086$1,487$1,044$724$527
30 years$2,748$1,970$1,385$958$654$469
31 years$2,631$1,862$1,291$880$592$419
32 years$2,521$1,762$1,205$809$535$373
33 years$2,418$1,669$1,125$744$484$333
34 years$2,321$1,582$1,051$684$439$298
35 years$2,230$1,500$983$630$397$266
36 years$2,144$1,424$919$580$360$237
37 years$2,063$1,352$861$535$326$212
38 years$1,987$1,285$806$493$296$189
39 years$1,914$1,222$755$454$268$169
40 years$1,846$1,163$708$419$243$151
41 years$1,781$1,107$664$387$221$135
42 years$1,719$1,054$622$357$200$121
43 years$1,660$1,004$584$329$182$108
44 years$1,604$957$548$304$165$97
45 years$1,551$913$515$281$150$87
46 years$1,500$871$484$259$136$78
47 years$1,451$831$454$240$123$69
48 years$1,405$793$427$222$112$62
49 years$1,361$758$401$205$102$56
50 years$1,318$724$377$189$92$50

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 $2,518 every year, while hoping to spend $48,035 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: 62/16/22 Blend
51$1,350,000$1,350,000$1,350,000$1,350,000
52$1,490,297$1,418,747$1,397,822$1,573,972
53$1,591,199$1,437,157$1,393,540$1,649,242
54$1,700,782$1,454,859$1,387,505$1,725,839
55$1,819,883$1,471,768$1,379,607$1,808,385
56$1,949,418$1,487,792$1,369,732$1,897,468
57$2,090,400$1,502,834$1,357,758$1,993,733
58$2,243,938$1,516,791$1,343,561$2,097,894
59$2,411,258$1,529,552$1,327,009$2,210,740
60$2,593,706$1,540,999$1,307,963$2,333,138
61$2,792,762$1,551,007$1,286,278$2,466,048
62$3,010,059$1,559,442$1,261,804$2,610,526
63$3,247,393$1,566,161$1,234,381$2,767,742
64$3,506,738$1,571,015$1,203,845$2,938,981
65$3,790,273$1,573,842$1,170,021$3,125,665
66$4,100,392$1,574,472$1,132,728$3,329,360
67$4,439,734$1,572,723$1,091,777$3,551,797
68$4,811,204$1,568,403$1,046,968$3,794,882
69$5,218,000$1,561,308$998,095$4,060,719
70$5,663,645$1,551,221$944,940$4,351,630
71$6,152,018$1,537,912$887,276$4,670,175
72$6,687,392$1,521,138$824,868$5,019,179
73$7,274,471$1,500,639$757,467$5,401,758
74$7,918,440$1,476,143$684,814$5,821,347
75$8,625,004$1,447,358$606,639$6,281,737
76$9,400,454$1,413,977$522,661$6,787,108
77$10,251,714$1,375,675$432,583$7,342,071
78$11,186,413$1,332,108$336,099$7,951,711
79$12,212,956$1,282,910$232,887$8,621,635
80$13,340,600$1,227,696$122,612$9,358,030
81$14,579,545$1,166,056$4,923$10,167,714
82$15,941,026$1,097,560$0$11,058,208
83$17,437,420$1,021,750$0$12,066,135
84$19,082,364$938,143$0$13,175,386
85$20,890,882$846,229$0$14,394,983
86$22,879,525$745,467$0$15,736,146
87$25,066,530$635,288$0$17,211,235
88$27,471,988$515,090$0$18,833,878
89$30,118,036$384,234$0$20,619,091
90$33,029,063$242,050$0$22,583,425
91$36,231,944$87,826$0$24,745,121
92$39,756,287$0$0$27,124,283
93$43,634,717$0$0$29,757,009
94$47,903,179$0$0$32,671,630
95$52,601,284$0$0$35,879,744
96$57,772,672$0$0$39,411,167
97$63,465,433$0$0$43,298,754
98$69,732,554$0$0$47,578,705
99$76,632,421$0$0$52,290,911
100$84,229,369$0$0$57,479,327