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%11.5%
1 years$112,308$111,307$110,331$109,379$108,448$107,765
2 years$55,598$54,562$53,559$52,586$51,642$50,953
3 years$36,697$35,657$34,656$33,692$32,764$32,090
4 years$27,248$26,212$25,221$24,273$23,367$22,714
5 years$21,581$20,550$19,572$18,644$17,764$17,133
6 years$17,804$16,781$15,817$14,910$14,056$13,448
7 years$15,107$14,093$13,144$12,258$11,431$10,847
8 years$13,085$12,080$11,147$10,283$9,483$8,923
9 years$11,513$10,518$9,601$8,759$7,986$7,449
10 years$10,257$9,271$8,371$7,550$6,805$6,291
11 years$9,229$8,253$7,369$6,571$5,852$5,361
12 years$8,374$7,408$6,540$5,764$5,071$4,603
13 years$7,650$6,694$5,843$5,088$4,422$3,976
14 years$7,031$6,085$5,250$4,517$3,877$3,452
15 years$6,494$5,559$4,740$4,028$3,413$3,009
16 years$6,025$5,100$4,298$3,607$3,017$2,633
17 years$5,612$4,697$3,911$3,241$2,675$2,311
18 years$5,245$4,340$3,570$2,921$2,378$2,033
19 years$4,917$4,022$3,268$2,639$2,120$1,793
20 years$4,622$3,738$2,999$2,390$1,893$1,585
21 years$4,356$3,482$2,759$2,169$1,694$1,403
22 years$4,114$3,250$2,543$1,972$1,519$1,244
23 years$3,893$3,040$2,348$1,796$1,363$1,104
24 years$3,692$2,848$2,171$1,638$1,225$981
25 years$3,506$2,673$2,011$1,496$1,103$873
26 years$3,335$2,512$1,865$1,368$993$777
27 years$3,178$2,364$1,732$1,252$896$692
28 years$3,031$2,228$1,610$1,147$808$617
29 years$2,895$2,101$1,498$1,052$730$551
30 years$2,768$1,985$1,396$966$659$492
31 years$2,650$1,876$1,301$887$596$439
32 years$2,539$1,775$1,214$815$539$393
33 years$2,436$1,681$1,133$749$488$351
34 years$2,338$1,593$1,059$690$442$314
35 years$2,246$1,511$990$635$400$281
36 years$2,160$1,434$926$585$363$251
37 years$2,078$1,362$867$539$329$225
38 years$2,001$1,295$812$496$298$201
39 years$1,928$1,231$761$458$270$180
40 years$1,859$1,171$713$422$245$161
41 years$1,794$1,115$668$390$222$145
42 years$1,731$1,062$627$360$202$129
43 years$1,672$1,012$588$332$183$116
44 years$1,616$964$552$306$166$104
45 years$1,562$920$519$283$151$93
46 years$1,511$877$487$261$137$83
47 years$1,462$837$458$242$124$75
48 years$1,415$799$430$223$113$67
49 years$1,371$763$404$206$103$60
50 years$1,328$729$380$191$93$54

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 $6,256 every year, while hoping to spend $42,518 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: 56/31/13 Blend
51$1,360,000$1,360,000$1,360,000$1,360,000
52$1,505,173$1,433,093$1,412,013$1,584,116
53$1,613,462$1,458,076$1,414,077$1,663,308
54$1,731,371$1,482,858$1,414,784$1,744,335
55$1,859,837$1,507,384$1,414,046$1,831,603
56$1,999,891$1,531,596$1,411,766$1,925,716
57$2,152,666$1,555,430$1,407,847$2,027,341
58$2,319,410$1,578,819$1,402,182$2,137,211
59$2,501,499$1,601,690$1,394,664$2,256,136
60$2,700,444$1,623,965$1,385,178$2,385,010
61$2,917,911$1,645,561$1,373,603$2,524,817
62$3,155,734$1,666,389$1,359,814$2,676,642
63$3,415,930$1,686,353$1,343,680$2,841,683
64$3,700,723$1,705,353$1,325,061$3,021,261
65$4,012,561$1,723,279$1,303,815$3,216,831
66$4,354,139$1,740,017$1,279,789$3,429,999
67$4,728,425$1,755,441$1,252,826$3,662,535
68$5,138,688$1,769,422$1,222,759$3,916,392
69$5,588,529$1,781,818$1,189,417$4,193,723
70$6,081,913$1,792,482$1,152,616$4,496,903
71$6,623,208$1,801,253$1,112,169$4,828,550
72$7,217,225$1,807,964$1,067,876$5,191,552
73$7,869,262$1,812,435$1,019,530$5,589,093
74$8,585,158$1,814,475$966,916$6,024,684
75$9,371,342$1,813,882$909,805$6,502,197
76$10,234,897$1,810,441$847,962$7,025,902
77$11,183,626$1,803,922$781,139$7,600,508
78$12,226,127$1,794,085$709,077$8,231,205
79$13,371,868$1,780,672$631,508$8,923,718
80$14,631,283$1,763,409$548,148$9,684,359
81$16,015,866$1,742,008$458,703$10,520,089
82$17,538,281$1,716,163$362,866$11,438,581
83$19,212,479$1,685,548$260,315$12,448,297
84$21,053,832$1,649,821$150,716$13,558,566
85$23,079,276$1,608,615$33,718$14,779,675
86$25,307,471$1,561,546$0$16,122,965
87$27,758,976$1,508,204$0$17,613,581
88$30,456,444$1,448,159$0$19,258,480
89$33,424,835$1,380,952$0$21,068,235
90$36,691,649$1,306,100$0$23,059,659
91$40,287,189$1,223,090$0$25,251,286
92$44,244,843$1,131,382$0$27,663,543
93$48,601,401$1,030,404$0$30,318,950
94$53,397,401$919,551$0$33,242,325
95$58,677,510$798,184$0$36,461,026
96$64,490,949$665,627$0$40,005,206
97$70,891,951$521,168$0$43,908,104
98$77,940,277$364,052$0$48,206,352
99$85,701,778$193,484$0$52,940,331
100$94,249,018$8,624$0$58,154,547