Can I retire at age 52 with 1,380,000?

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 $1,380,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.7%
1 years$113,959$112,944$111,954$110,987$110,043$108,803
2 years$56,415$55,365$54,346$53,359$52,401$51,153
3 years$37,237$36,181$35,166$34,188$33,246$32,028
4 years$27,649$26,597$25,592$24,630$23,711$22,533
5 years$21,898$20,853$19,860$18,918$18,025$16,890
6 years$18,065$17,028$16,050$15,129$14,262$13,172
7 years$15,329$14,300$13,338$12,439$11,599$10,554
8 years$13,277$12,258$11,311$10,434$9,623$8,623
9 years$11,683$10,672$9,742$8,888$8,104$7,148
10 years$10,407$9,407$8,494$7,661$6,905$5,993
11 years$9,365$8,375$7,478$6,668$5,938$5,070
12 years$8,497$7,517$6,636$5,848$5,146$4,320
13 years$7,763$6,793$5,929$5,163$4,487$3,703
14 years$7,134$6,175$5,327$4,583$3,934$3,189
15 years$6,590$5,641$4,810$4,088$3,463$2,758
16 years$6,114$5,175$4,361$3,660$3,061$2,394
17 years$5,695$4,766$3,968$3,288$2,714$2,083
18 years$5,322$4,404$3,622$2,964$2,413$1,818
19 years$4,989$4,082$3,316$2,678$2,151$1,589
20 years$4,690$3,793$3,043$2,425$1,921$1,392
21 years$4,420$3,533$2,799$2,201$1,719$1,221
22 years$4,174$3,298$2,580$2,001$1,541$1,073
23 years$3,951$3,084$2,382$1,823$1,383$944
24 years$3,746$2,890$2,203$1,662$1,243$831
25 years$3,558$2,712$2,041$1,518$1,119$732
26 years$3,384$2,549$1,893$1,388$1,008$646
27 years$3,224$2,399$1,757$1,271$909$570
28 years$3,076$2,260$1,634$1,164$820$504
29 years$2,938$2,132$1,520$1,068$740$445
30 years$2,809$2,014$1,416$980$669$393
31 years$2,689$1,904$1,320$900$605$348
32 years$2,577$1,801$1,232$827$547$308
33 years$2,471$1,706$1,150$760$495$273
34 years$2,372$1,617$1,075$700$448$241
35 years$2,279$1,533$1,005$644$406$214
36 years$2,192$1,455$940$593$368$189
37 years$2,109$1,382$880$547$333$168
38 years$2,031$1,314$824$504$302$149
39 years$1,957$1,249$772$464$274$132
40 years$1,887$1,189$723$428$249$117
41 years$1,820$1,131$678$395$226$103
42 years$1,757$1,078$636$365$205$92
43 years$1,697$1,027$597$337$186$81
44 years$1,640$979$560$311$169$72
45 years$1,585$933$526$287$153$64
46 years$1,533$890$494$265$139$57
47 years$1,484$850$464$245$126$50
48 years$1,436$811$436$226$115$45
49 years$1,391$774$410$209$104$40
50 years$1,347$740$386$193$95$35

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,380,000, adding $4,928 every year, while hoping to spend $26,260 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: 78/16/6 Blend
51$1,380,000$1,380,000$1,380,000$1,380,000
52$1,525,843$1,452,703$1,431,313$1,643,677
53$1,653,539$1,495,945$1,451,322$1,764,890
54$1,793,379$1,540,426$1,471,121$1,893,863
55$1,946,575$1,586,178$1,490,675$2,034,517
56$2,114,461$1,633,236$1,509,947$2,188,002
57$2,298,506$1,681,634$1,528,900$2,355,584
58$2,500,326$1,731,407$1,547,491$2,538,657
59$2,721,704$1,782,591$1,565,677$2,738,755
60$2,964,603$1,835,223$1,583,412$2,957,569
61$3,231,184$1,889,340$1,600,648$3,196,961
62$3,523,828$1,944,981$1,617,333$3,458,981
63$3,845,159$2,002,186$1,633,413$3,745,886
64$4,198,065$2,060,992$1,648,833$4,060,163
65$4,585,729$2,121,443$1,663,530$4,404,552
66$5,011,658$2,183,578$1,677,443$4,782,070
67$5,479,715$2,247,442$1,690,506$5,196,039
68$5,994,155$2,313,075$1,702,647$5,650,122
69$6,559,667$2,380,524$1,713,793$6,148,350
70$7,181,415$2,449,831$1,723,867$6,695,166
71$7,865,090$2,521,044$1,732,787$7,295,465
72$8,616,962$2,594,208$1,740,468$7,954,637
73$9,443,938$2,669,370$1,746,820$8,678,624
74$10,353,629$2,746,579$1,751,748$9,473,969
75$11,354,421$2,825,882$1,755,153$10,347,882
76$12,455,552$2,907,331$1,756,931$11,308,306
77$13,667,202$2,990,974$1,756,972$12,363,994
78$15,000,588$3,076,863$1,755,162$13,524,589
79$16,468,069$3,165,050$1,751,381$14,800,714
80$18,083,261$3,255,586$1,745,501$16,204,075
81$19,861,169$3,348,526$1,737,391$17,747,572
82$21,818,327$3,443,922$1,726,912$19,445,415
83$23,972,951$3,541,829$1,713,918$21,313,265
84$26,345,115$3,642,302$1,698,258$23,368,374
85$28,956,938$3,745,396$1,679,771$25,629,755
86$31,832,793$3,851,167$1,658,290$28,118,358
87$34,999,535$3,959,672$1,633,640$30,857,265
88$38,486,759$4,070,967$1,605,638$33,871,912
89$42,327,074$4,185,110$1,574,093$37,190,328
90$46,556,413$4,302,158$1,538,802$40,843,396
91$51,214,371$4,422,168$1,499,556$44,865,147
92$56,344,582$4,545,199$1,456,136$49,293,084
93$61,995,124$4,671,308$1,408,311$54,168,528
94$68,218,977$4,800,553$1,355,841$59,537,014
95$75,074,526$4,932,993$1,298,474$65,448,721
96$82,626,102$5,068,684$1,235,947$71,958,941
97$90,944,599$5,207,684$1,167,986$79,128,602
98$100,108,138$5,350,050$1,094,303$87,024,847
99$110,202,804$5,495,839$1,014,599$95,721,663
100$121,323,461$5,645,106$928,559$105,300,580