Can I retire at age 52 with 1,370,000?

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 $1,370,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.3%
1 years$113,133$112,126$111,142$110,183$109,246$106,004
2 years$56,007$54,964$53,953$52,972$52,022$48,782
3 years$36,967$35,919$34,911$33,940$33,005$29,869
4 years$27,449$26,404$25,406$24,452$23,539$20,532
5 years$21,740$20,701$19,716$18,781$17,894$15,023
6 years$17,935$16,904$15,934$15,020$14,159$11,427
7 years$15,218$14,196$13,241$12,348$11,515$8,922
8 years$13,181$12,169$11,229$10,359$9,553$7,097
9 years$11,598$10,595$9,672$8,823$8,045$5,723
10 years$10,332$9,339$8,432$7,606$6,855$4,665
11 years$9,297$8,314$7,424$6,619$5,895$3,833
12 years$8,435$7,462$6,588$5,806$5,109$3,170
13 years$7,706$6,744$5,886$5,126$4,455$2,635
14 years$7,082$6,130$5,289$4,550$3,905$2,200
15 years$6,542$5,600$4,775$4,058$3,438$1,843
16 years$6,070$5,138$4,329$3,633$3,039$1,548
17 years$5,653$4,732$3,939$3,265$2,694$1,304
18 years$5,284$4,372$3,596$2,942$2,396$1,100
19 years$4,953$4,052$3,292$2,658$2,135$929
20 years$4,656$3,765$3,021$2,408$1,907$786
21 years$4,388$3,507$2,779$2,185$1,707$666
22 years$4,144$3,274$2,561$1,987$1,530$565
23 years$3,922$3,062$2,365$1,809$1,373$479
24 years$3,719$2,869$2,187$1,650$1,234$407
25 years$3,532$2,692$2,026$1,507$1,111$346
26 years$3,360$2,530$1,879$1,378$1,001$294
27 years$3,201$2,381$1,745$1,261$902$250
28 years$3,053$2,244$1,622$1,156$814$213
29 years$2,916$2,117$1,509$1,060$735$181
30 years$2,789$1,999$1,406$973$664$154
31 years$2,670$1,890$1,311$893$600$131
32 years$2,558$1,788$1,223$821$543$112
33 years$2,453$1,693$1,142$755$492$95
34 years$2,355$1,605$1,067$695$445$81
35 years$2,263$1,522$997$639$403$69
36 years$2,176$1,445$933$589$365$59
37 years$2,094$1,372$873$543$331$50
38 years$2,016$1,304$818$500$300$43
39 years$1,943$1,240$766$461$272$36
40 years$1,873$1,180$718$425$247$31
41 years$1,807$1,123$673$392$224$26
42 years$1,744$1,070$632$362$203$23
43 years$1,685$1,019$593$334$184$19
44 years$1,628$972$556$309$167$16
45 years$1,574$926$522$285$152$14
46 years$1,522$884$491$263$138$12
47 years$1,473$843$461$243$125$10
48 years$1,426$805$433$225$114$9
49 years$1,381$769$407$208$103$7
50 years$1,338$734$383$192$94$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,370,000, adding $2,399 every year, while hoping to spend $36,812 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: 57/22/21 Blend
51$1,370,000$1,370,000$1,370,000$1,370,000
52$1,512,215$1,439,605$1,418,370$1,589,762
53$1,627,293$1,470,978$1,426,717$1,674,262
54$1,752,875$1,502,654$1,434,111$1,762,154
55$1,889,994$1,534,610$1,440,479$1,857,138
56$2,039,787$1,566,819$1,445,749$1,959,905
57$2,203,504$1,599,252$1,449,840$2,071,219
58$2,382,524$1,631,878$1,452,672$2,191,918
59$2,578,363$1,664,661$1,454,158$2,322,930
60$2,792,692$1,697,565$1,454,208$2,465,276
61$3,027,349$1,730,549$1,452,727$2,620,080
62$3,284,359$1,763,567$1,449,614$2,788,583
63$3,565,954$1,796,572$1,444,767$2,972,153
64$3,874,590$1,829,512$1,438,074$3,172,296
65$4,212,970$1,862,330$1,429,422$3,390,675
66$4,584,076$1,894,967$1,418,690$3,629,120
67$4,991,187$1,927,356$1,405,752$3,889,650
68$5,437,920$1,959,428$1,390,476$4,174,491
69$5,928,254$1,991,107$1,372,724$4,486,097
70$6,466,577$2,022,311$1,352,351$4,827,172
71$7,057,717$2,052,954$1,329,204$5,200,698
72$7,706,998$2,082,943$1,303,126$5,609,962
73$8,420,282$2,112,177$1,273,951$6,058,588
74$9,204,026$2,140,549$1,241,504$6,550,568
75$10,065,346$2,167,945$1,205,603$7,090,308
76$11,012,079$2,194,242$1,166,059$7,682,661
77$12,052,861$2,219,310$1,122,672$8,332,978
78$13,197,206$2,243,009$1,075,235$9,047,158
79$14,455,595$2,265,191$1,023,529$9,831,703
80$15,839,577$2,285,696$967,328$10,693,782
81$17,361,874$2,304,355$906,394$11,641,295
82$19,036,505$2,320,989$840,478$12,682,954
83$20,878,916$2,335,405$769,321$13,828,360
84$22,906,124$2,347,398$692,653$15,088,096
85$25,136,881$2,356,753$610,188$16,473,830
86$27,591,846$2,363,237$521,633$17,998,422
87$30,293,785$2,366,606$426,678$19,676,047
88$33,267,779$2,366,598$325,000$21,522,331
89$36,541,468$2,362,937$216,263$23,554,499
90$40,145,305$2,355,328$100,115$25,791,536
91$44,112,847$2,343,460$0$28,254,367
92$48,481,068$2,327,001$0$30,971,401
93$53,290,713$2,305,599$0$33,987,009
94$58,586,675$2,278,883$0$37,306,847
95$64,418,425$2,246,458$0$40,961,899
96$70,840,475$2,207,905$0$44,986,308
97$77,912,893$2,162,781$0$49,417,702
98$85,701,867$2,110,617$0$54,297,548
99$94,280,335$2,050,915$0$59,671,547
100$103,728,669$1,983,149$0$65,590,059