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%19%
1 years$112,308$111,307$110,331$109,379$108,448$104,517
2 years$55,598$54,562$53,559$52,586$51,642$47,725
3 years$36,697$35,657$34,656$33,692$32,764$28,983
4 years$27,248$26,212$25,221$24,273$23,367$19,753
5 years$21,581$20,550$19,572$18,644$17,764$14,324
6 years$17,804$16,781$15,817$14,910$14,056$10,794
7 years$15,107$14,093$13,144$12,258$11,431$8,346
8 years$13,085$12,080$11,147$10,283$9,483$6,573
9 years$11,513$10,518$9,601$8,759$7,986$5,246
10 years$10,257$9,271$8,371$7,550$6,805$4,230
11 years$9,229$8,253$7,369$6,571$5,852$3,438
12 years$8,374$7,408$6,540$5,764$5,071$2,811
13 years$7,650$6,694$5,843$5,088$4,422$2,310
14 years$7,031$6,085$5,250$4,517$3,877$1,906
15 years$6,494$5,559$4,740$4,028$3,413$1,577
16 years$6,025$5,100$4,298$3,607$3,017$1,309
17 years$5,612$4,697$3,911$3,241$2,675$1,088
18 years$5,245$4,340$3,570$2,921$2,378$907
19 years$4,917$4,022$3,268$2,639$2,120$756
20 years$4,622$3,738$2,999$2,390$1,893$632
21 years$4,356$3,482$2,759$2,169$1,694$528
22 years$4,114$3,250$2,543$1,972$1,519$442
23 years$3,893$3,040$2,348$1,796$1,363$370
24 years$3,692$2,848$2,171$1,638$1,225$310
25 years$3,506$2,673$2,011$1,496$1,103$260
26 years$3,335$2,512$1,865$1,368$993$218
27 years$3,178$2,364$1,732$1,252$896$183
28 years$3,031$2,228$1,610$1,147$808$153
29 years$2,895$2,101$1,498$1,052$730$129
30 years$2,768$1,985$1,396$966$659$108
31 years$2,650$1,876$1,301$887$596$91
32 years$2,539$1,775$1,214$815$539$76
33 years$2,436$1,681$1,133$749$488$64
34 years$2,338$1,593$1,059$690$442$54
35 years$2,246$1,511$990$635$400$45
36 years$2,160$1,434$926$585$363$38
37 years$2,078$1,362$867$539$329$32
38 years$2,001$1,295$812$496$298$27
39 years$1,928$1,231$761$458$270$22
40 years$1,859$1,171$713$422$245$19
41 years$1,794$1,115$668$390$222$16
42 years$1,731$1,062$627$360$202$13
43 years$1,672$1,012$588$332$183$11
44 years$1,616$964$552$306$166$9
45 years$1,562$920$519$283$151$8
46 years$1,511$877$487$261$137$7
47 years$1,462$837$458$242$124$6
48 years$1,415$799$430$223$113$5
49 years$1,371$763$404$206$103$4
50 years$1,328$729$380$191$93$3

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 $5,112 every year, while hoping to spend $40,884 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: 72/22/6 Blend
51$1,360,000$1,360,000$1,360,000$1,360,000
52$1,503,993$1,431,913$1,410,833$1,610,816
53$1,613,900$1,458,577$1,414,596$1,708,613
54$1,733,647$1,485,176$1,417,114$1,810,039
55$1,864,195$1,511,666$1,418,303$1,919,930
56$2,006,601$1,537,996$1,418,075$2,039,108
57$2,162,029$1,564,112$1,416,335$2,168,479
58$2,331,759$1,589,956$1,412,985$2,309,040
59$2,517,201$1,615,467$1,407,923$2,461,889
60$2,719,908$1,640,577$1,401,040$2,628,236
61$2,941,589$1,665,215$1,392,225$2,809,412
62$3,184,125$1,689,305$1,381,358$3,006,886
63$3,449,588$1,712,763$1,368,316$3,222,277
64$3,740,259$1,735,502$1,352,969$3,457,364
65$4,058,652$1,757,428$1,335,180$3,714,113
66$4,407,533$1,778,441$1,314,807$3,994,687
67$4,789,949$1,798,432$1,291,700$4,301,468
68$5,209,257$1,817,287$1,265,705$4,637,085
69$5,669,151$1,834,885$1,236,656$5,004,432
70$6,173,704$1,851,094$1,204,384$5,406,699
71$6,727,400$1,865,776$1,168,709$5,847,399
72$7,335,179$1,878,782$1,129,444$6,330,408
73$8,002,481$1,889,956$1,086,394$6,859,994
74$8,735,299$1,899,130$1,039,354$7,440,862
75$9,540,237$1,906,124$988,109$8,078,195
76$10,424,567$1,910,751$932,437$8,777,707
77$11,396,303$1,912,807$872,104$9,545,696
78$12,464,272$1,912,080$806,865$10,389,100
79$13,638,197$1,908,342$736,465$11,315,568
80$14,928,795$1,901,352$660,638$12,333,529
81$16,347,867$1,890,854$579,105$13,452,272
82$17,908,420$1,876,576$491,575$14,682,036
83$19,624,780$1,858,230$397,744$16,034,103
84$21,512,735$1,835,510$297,296$17,520,910
85$23,589,678$1,808,094$189,899$19,156,161
86$25,874,771$1,775,637$75,207$20,954,962
87$28,389,132$1,737,777$0$22,933,961
88$31,156,023$1,694,128$0$25,114,526
89$34,201,081$1,644,284$0$27,519,191
90$37,552,549$1,587,812$0$30,165,449
91$41,241,550$1,524,256$0$33,077,887
92$45,302,377$1,453,133$0$36,283,603
93$49,772,815$1,373,932$0$39,812,461
94$54,694,499$1,286,112$0$43,697,370
95$60,113,309$1,189,102$0$47,974,601
96$66,079,796$1,082,298$0$52,684,124
97$72,649,666$965,060$0$57,869,991
98$79,884,298$836,715$0$63,580,748
99$87,851,330$696,548$0$69,869,897
100$96,625,294$543,806$0$76,796,399