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

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 $1,360,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.9%
1 years$112,308$111,307$110,331$109,379$108,448$106,259
2 years$55,598$54,562$53,559$52,586$51,642$49,446
3 years$36,697$35,657$34,656$33,692$32,764$30,629
4 years$27,248$26,212$25,221$24,273$23,367$21,311
5 years$21,581$20,550$19,572$18,644$17,764$15,791
6 years$17,804$16,781$15,817$14,910$14,056$12,169
7 years$15,107$14,093$13,144$12,258$11,431$9,631
8 years$13,085$12,080$11,147$10,283$9,483$7,769
9 years$11,513$10,518$9,601$8,759$7,986$6,357
10 years$10,257$9,271$8,371$7,550$6,805$5,259
11 years$9,229$8,253$7,369$6,571$5,852$4,388
12 years$8,374$7,408$6,540$5,764$5,071$3,687
13 years$7,650$6,694$5,843$5,088$4,422$3,114
14 years$7,031$6,085$5,250$4,517$3,877$2,643
15 years$6,494$5,559$4,740$4,028$3,413$2,252
16 years$6,025$5,100$4,298$3,607$3,017$1,924
17 years$5,612$4,697$3,911$3,241$2,675$1,649
18 years$5,245$4,340$3,570$2,921$2,378$1,416
19 years$4,917$4,022$3,268$2,639$2,120$1,218
20 years$4,622$3,738$2,999$2,390$1,893$1,050
21 years$4,356$3,482$2,759$2,169$1,694$906
22 years$4,114$3,250$2,543$1,972$1,519$782
23 years$3,893$3,040$2,348$1,796$1,363$677
24 years$3,692$2,848$2,171$1,638$1,225$586
25 years$3,506$2,673$2,011$1,496$1,103$507
26 years$3,335$2,512$1,865$1,368$993$440
27 years$3,178$2,364$1,732$1,252$896$381
28 years$3,031$2,228$1,610$1,147$808$331
29 years$2,895$2,101$1,498$1,052$730$287
30 years$2,768$1,985$1,396$966$659$249
31 years$2,650$1,876$1,301$887$596$217
32 years$2,539$1,775$1,214$815$539$188
33 years$2,436$1,681$1,133$749$488$163
34 years$2,338$1,593$1,059$690$442$142
35 years$2,246$1,511$990$635$400$124
36 years$2,160$1,434$926$585$363$107
37 years$2,078$1,362$867$539$329$93
38 years$2,001$1,295$812$496$298$81
39 years$1,928$1,231$761$458$270$71
40 years$1,859$1,171$713$422$245$61
41 years$1,794$1,115$668$390$222$53
42 years$1,731$1,062$627$360$202$46
43 years$1,672$1,012$588$332$183$40
44 years$1,616$964$552$306$166$35
45 years$1,562$920$519$283$151$31
46 years$1,511$877$487$261$137$27
47 years$1,462$837$458$242$124$23
48 years$1,415$799$430$223$113$20
49 years$1,371$763$404$206$103$18
50 years$1,328$729$380$191$93$15

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 $5,803 every year, while hoping to spend $46,322 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: 38/48/14 Blend
51$1,360,000$1,360,000$1,360,000$1,360,000
52$1,504,706$1,432,626$1,411,546$1,555,302
53$1,608,900$1,453,538$1,409,546$1,612,876
54$1,722,169$1,473,923$1,405,927$1,670,153
55$1,845,390$1,493,705$1,400,586$1,731,048
56$1,979,527$1,512,804$1,393,413$1,795,910
57$2,125,643$1,531,136$1,384,297$1,865,122
58$2,284,905$1,548,608$1,373,117$1,939,113
59$2,458,599$1,565,123$1,359,750$2,018,352
60$2,648,140$1,580,578$1,344,065$2,103,361
61$2,855,084$1,594,861$1,325,926$2,194,718
62$3,081,148$1,607,854$1,305,189$2,293,059
63$3,328,217$1,619,431$1,281,706$2,399,091
64$3,598,371$1,629,458$1,255,318$2,513,593
65$3,893,896$1,637,794$1,225,863$2,637,429
66$4,217,313$1,644,285$1,193,169$2,771,551
67$4,571,395$1,648,770$1,157,055$2,917,016
68$4,959,196$1,651,079$1,117,336$3,074,987
69$5,384,081$1,651,029$1,073,813$3,246,755
70$5,849,754$1,648,426$1,026,283$3,433,744
71$6,360,295$1,643,066$974,530$3,637,527
72$6,920,199$1,634,729$918,330$3,859,844
73$7,534,414$1,623,185$857,449$4,102,619
74$8,208,392$1,608,189$791,641$4,367,975
75$8,948,138$1,589,481$720,651$4,658,259
76$9,760,266$1,566,784$644,212$4,976,063
77$10,652,064$1,539,806$562,043$5,324,252
78$11,631,556$1,508,239$473,853$5,705,988
79$12,707,586$1,471,754$379,338$6,124,765
80$13,889,893$1,430,003$278,180$6,584,443
81$15,189,209$1,382,620$170,046$7,089,280
82$16,617,356$1,329,216$54,590$7,643,983
83$18,187,357$1,269,379$0$8,253,746
84$19,913,562$1,202,672$0$8,934,554
85$21,811,779$1,128,637$0$9,691,858
86$23,899,426$1,046,786$0$10,524,541
87$26,195,692$956,603$0$11,440,382
88$28,721,721$857,545$0$12,447,958
89$31,500,809$749,037$0$13,556,735
90$34,558,621$630,470$0$14,777,155
91$37,923,440$501,202$0$16,120,737
92$41,626,425$360,555$0$17,600,188
93$45,701,910$207,812$0$19,229,525
94$50,187,727$42,217$0$21,024,208
95$55,125,560$0$0$23,001,291
96$60,561,341$0$0$25,251,960
97$66,545,680$0$0$27,754,537
98$73,134,345$0$0$30,510,075
99$80,388,785$0$0$33,544,301
100$88,376,712$0$0$36,885,567