Can I retire at age 52 with 1,360,000?

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 $1,360,000?

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$112,308$111,307$110,331$109,379$108,448$107,675
2 years$55,598$54,562$53,559$52,586$51,642$50,862
3 years$36,697$35,657$34,656$33,692$32,764$32,001
4 years$27,248$26,212$25,221$24,273$23,367$22,629
5 years$21,581$20,550$19,572$18,644$17,764$17,050
6 years$17,804$16,781$15,817$14,910$14,056$13,369
7 years$15,107$14,093$13,144$12,258$11,431$10,771
8 years$13,085$12,080$11,147$10,283$9,483$8,851
9 years$11,513$10,518$9,601$8,759$7,986$7,380
10 years$10,257$9,271$8,371$7,550$6,805$6,225
11 years$9,229$8,253$7,369$6,571$5,852$5,299
12 years$8,374$7,408$6,540$5,764$5,071$4,544
13 years$7,650$6,694$5,843$5,088$4,422$3,920
14 years$7,031$6,085$5,250$4,517$3,877$3,398
15 years$6,494$5,559$4,740$4,028$3,413$2,959
16 years$6,025$5,100$4,298$3,607$3,017$2,585
17 years$5,612$4,697$3,911$3,241$2,675$2,266
18 years$5,245$4,340$3,570$2,921$2,378$1,991
19 years$4,917$4,022$3,268$2,639$2,120$1,753
20 years$4,622$3,738$2,999$2,390$1,893$1,547
21 years$4,356$3,482$2,759$2,169$1,694$1,368
22 years$4,114$3,250$2,543$1,972$1,519$1,211
23 years$3,893$3,040$2,348$1,796$1,363$1,073
24 years$3,692$2,848$2,171$1,638$1,225$952
25 years$3,506$2,673$2,011$1,496$1,103$846
26 years$3,335$2,512$1,865$1,368$993$752
27 years$3,178$2,364$1,732$1,252$896$669
28 years$3,031$2,228$1,610$1,147$808$595
29 years$2,895$2,101$1,498$1,052$730$530
30 years$2,768$1,985$1,396$966$659$473
31 years$2,650$1,876$1,301$887$596$422
32 years$2,539$1,775$1,214$815$539$376
33 years$2,436$1,681$1,133$749$488$336
34 years$2,338$1,593$1,059$690$442$300
35 years$2,246$1,511$990$635$400$268
36 years$2,160$1,434$926$585$363$239
37 years$2,078$1,362$867$539$329$214
38 years$2,001$1,295$812$496$298$191
39 years$1,928$1,231$761$458$270$171
40 years$1,859$1,171$713$422$245$153
41 years$1,794$1,115$668$390$222$136
42 years$1,731$1,062$627$360$202$122
43 years$1,672$1,012$588$332$183$109
44 years$1,616$964$552$306$166$98
45 years$1,562$920$519$283$151$87
46 years$1,511$877$487$261$137$78
47 years$1,462$837$458$242$124$70
48 years$1,415$799$430$223$113$63
49 years$1,371$763$404$206$103$56
50 years$1,328$729$380$191$93$50

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,360,000, adding $6,130 every year, while hoping to spend $23,535 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: 70/20/10 Blend
51$1,360,000$1,360,000$1,360,000$1,360,000
52$1,505,043$1,432,963$1,411,883$1,607,009
53$1,633,516$1,478,137$1,434,140$1,720,543
54$1,774,305$1,524,736$1,456,354$1,841,287
55$1,928,641$1,572,805$1,478,498$1,972,784
56$2,097,880$1,622,389$1,500,545$2,116,087
57$2,283,515$1,673,538$1,522,465$2,272,355
58$2,487,192$1,726,300$1,544,226$2,442,866
59$2,710,723$1,780,726$1,565,795$2,629,023
60$2,956,104$1,836,869$1,587,137$2,832,375
61$3,225,534$1,894,783$1,608,213$3,054,624
62$3,521,435$1,954,523$1,628,985$3,297,648
63$3,846,474$2,016,149$1,649,409$3,563,512
64$4,203,593$2,079,718$1,669,442$3,854,491
65$4,596,028$2,145,293$1,689,037$4,173,092
66$5,027,347$2,212,936$1,708,144$4,522,075
67$5,501,480$2,282,713$1,726,710$4,904,479
68$6,022,756$2,354,692$1,744,681$5,323,653
69$6,595,947$2,428,942$1,761,998$5,783,286
70$7,226,308$2,505,534$1,778,599$6,287,441
71$7,919,630$2,584,544$1,794,420$6,840,593
72$8,682,291$2,666,045$1,809,392$7,447,673
73$9,521,322$2,750,119$1,823,444$8,114,113
74$10,444,468$2,836,846$1,836,500$8,845,896
75$11,460,261$2,926,309$1,848,481$9,649,614
76$12,578,105$3,018,595$1,859,302$10,532,531
77$13,808,359$3,113,794$1,868,876$11,502,647
78$15,162,439$3,211,997$1,877,110$12,568,779
79$16,652,922$3,313,299$1,883,908$13,740,638
80$18,293,667$3,417,798$1,889,166$15,028,926
81$20,099,947$3,525,595$1,892,778$16,445,433
82$22,088,586$3,636,795$1,894,632$18,003,150
83$24,278,129$3,751,504$1,894,608$19,716,390
84$26,689,004$3,869,834$1,892,584$21,600,925
85$29,343,726$3,991,899$1,888,429$23,674,132
86$32,267,101$4,117,818$1,882,007$25,955,157
87$35,486,466$4,247,711$1,873,174$28,465,100
88$39,031,942$4,381,705$1,861,782$31,227,205
89$42,936,720$4,519,929$1,847,672$34,267,090
90$47,237,377$4,662,517$1,830,680$37,612,979
91$51,974,216$4,809,606$1,810,634$41,295,975
92$57,191,649$4,961,340$1,787,354$45,350,347
93$62,938,616$5,117,865$1,760,649$49,813,860
94$69,269,047$5,279,332$1,730,323$54,728,127
95$76,242,369$5,445,898$1,696,167$60,139,000
96$83,924,067$5,617,724$1,657,966$66,097,009
97$92,386,305$5,794,976$1,615,491$72,657,830
98$101,708,604$5,977,826$1,568,506$79,882,819
99$111,978,593$6,166,451$1,516,762$87,839,583
100$123,292,836$6,361,033$1,460,000$96,602,625