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%16.9%
1 years$113,133$112,126$111,142$110,183$109,246$106,174
2 years$56,007$54,964$53,953$52,972$52,022$48,951
3 years$36,967$35,919$34,911$33,940$33,005$30,030
4 years$27,449$26,404$25,406$24,452$23,539$20,684
5 years$21,740$20,701$19,716$18,781$17,894$15,167
6 years$17,935$16,904$15,934$15,020$14,159$11,561
7 years$15,218$14,196$13,241$12,348$11,515$9,047
8 years$13,181$12,169$11,229$10,359$9,553$7,213
9 years$11,598$10,595$9,672$8,823$8,045$5,832
10 years$10,332$9,339$8,432$7,606$6,855$4,765
11 years$9,297$8,314$7,424$6,619$5,895$3,925
12 years$8,435$7,462$6,588$5,806$5,109$3,255
13 years$7,706$6,744$5,886$5,126$4,455$2,713
14 years$7,082$6,130$5,289$4,550$3,905$2,271
15 years$6,542$5,600$4,775$4,058$3,438$1,908
16 years$6,070$5,138$4,329$3,633$3,039$1,607
17 years$5,653$4,732$3,939$3,265$2,694$1,357
18 years$5,284$4,372$3,596$2,942$2,396$1,149
19 years$4,953$4,052$3,292$2,658$2,135$974
20 years$4,656$3,765$3,021$2,408$1,907$826
21 years$4,388$3,507$2,779$2,185$1,707$702
22 years$4,144$3,274$2,561$1,987$1,530$597
23 years$3,922$3,062$2,365$1,809$1,373$509
24 years$3,719$2,869$2,187$1,650$1,234$433
25 years$3,532$2,692$2,026$1,507$1,111$369
26 years$3,360$2,530$1,879$1,378$1,001$315
27 years$3,201$2,381$1,745$1,261$902$269
28 years$3,053$2,244$1,622$1,156$814$229
29 years$2,916$2,117$1,509$1,060$735$196
30 years$2,789$1,999$1,406$973$664$167
31 years$2,670$1,890$1,311$893$600$143
32 years$2,558$1,788$1,223$821$543$122
33 years$2,453$1,693$1,142$755$492$104
34 years$2,355$1,605$1,067$695$445$89
35 years$2,263$1,522$997$639$403$76
36 years$2,176$1,445$933$589$365$65
37 years$2,094$1,372$873$543$331$56
38 years$2,016$1,304$818$500$300$48
39 years$1,943$1,240$766$461$272$41
40 years$1,873$1,180$718$425$247$35
41 years$1,807$1,123$673$392$224$30
42 years$1,744$1,070$632$362$203$25
43 years$1,685$1,019$593$334$184$22
44 years$1,628$972$556$309$167$19
45 years$1,574$926$522$285$152$16
46 years$1,522$884$491$263$138$14
47 years$1,473$843$461$243$125$12
48 years$1,426$805$433$225$114$10
49 years$1,381$769$407$208$103$9
50 years$1,338$734$383$192$94$7

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 $2,259 every year, while hoping to spend $53,212 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: 43/40/17 Blend
51$1,370,000$1,370,000$1,370,000$1,370,000
52$1,512,070$1,439,460$1,418,225$1,569,521
53$1,609,684$1,453,377$1,409,119$1,624,092
54$1,715,471$1,466,191$1,397,923$1,677,754
55$1,830,209$1,477,795$1,384,514$1,734,764
56$1,954,753$1,488,069$1,368,757$1,795,454
57$2,090,042$1,496,889$1,350,515$1,860,193
58$2,237,113$1,504,122$1,329,643$1,929,392
59$2,397,101$1,509,628$1,305,990$2,003,502
60$2,571,261$1,513,255$1,279,396$2,083,027
61$2,760,969$1,514,843$1,249,695$2,168,524
62$2,967,741$1,514,224$1,216,713$2,260,609
63$3,193,247$1,511,217$1,180,269$2,359,965
64$3,439,322$1,505,631$1,140,172$2,467,349
65$3,707,988$1,497,262$1,096,223$2,583,600
66$4,001,471$1,485,896$1,048,214$2,709,644
67$4,322,219$1,471,303$995,928$2,846,510
68$4,672,931$1,453,243$939,137$2,995,332
69$5,056,576$1,431,458$877,604$3,157,371
70$5,476,424$1,405,676$811,081$3,334,016
71$5,936,074$1,375,609$739,307$3,526,808
72$6,439,491$1,340,952$662,012$3,737,451
73$6,991,043$1,301,381$578,912$3,967,827
74$7,595,536$1,256,556$489,713$4,220,021
75$8,258,267$1,206,114$394,104$4,496,336
76$8,985,068$1,149,671$291,765$4,799,318
77$9,782,363$1,086,823$182,357$5,131,783
78$10,657,228$1,017,142$65,530$5,496,842
79$11,617,457$940,173$0$5,897,934
80$12,671,635$855,439$0$6,349,587
81$13,829,218$762,432$0$6,858,655
82$15,100,626$660,618$0$7,417,950
83$16,497,332$549,431$0$8,032,672
84$18,031,981$428,274$0$8,708,562
85$19,718,499$296,515$0$9,451,953
86$21,572,231$153,490$0$10,269,836
87$23,610,080$0$0$11,169,925
88$25,850,671$0$0$12,161,398
89$28,314,521$0$0$13,326,140
90$31,024,237$0$0$14,607,300
91$34,004,726$0$0$16,016,678
92$37,283,429$0$0$17,567,275
93$40,890,582$0$0$19,273,415
94$44,859,498$0$0$21,150,882
95$49,226,882$0$0$23,217,064
96$54,033,180$0$0$25,491,124
97$59,322,951$0$0$27,994,175
98$65,145,299$0$0$30,749,479
99$71,554,326$0$0$33,782,672
100$78,609,645$0$0$37,121,998