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%15.7%
1 years$113,959$112,944$111,954$110,987$110,043$107,470
2 years$56,415$55,365$54,346$53,359$52,401$49,824
3 years$37,237$36,181$35,166$34,188$33,246$30,744
4 years$27,649$26,597$25,592$24,630$23,711$21,305
5 years$21,898$20,853$19,860$18,918$18,025$15,720
6 years$18,065$17,028$16,050$15,129$14,262$12,062
7 years$15,329$14,300$13,338$12,439$11,599$9,503
8 years$13,277$12,258$11,311$10,434$9,623$7,631
9 years$11,683$10,672$9,742$8,888$8,104$6,214
10 years$10,407$9,407$8,494$7,661$6,905$5,115
11 years$9,365$8,375$7,478$6,668$5,938$4,246
12 years$8,497$7,517$6,636$5,848$5,146$3,549
13 years$7,763$6,793$5,929$5,163$4,487$2,982
14 years$7,134$6,175$5,327$4,583$3,934$2,517
15 years$6,590$5,641$4,810$4,088$3,463$2,132
16 years$6,114$5,175$4,361$3,660$3,061$1,812
17 years$5,695$4,766$3,968$3,288$2,714$1,544
18 years$5,322$4,404$3,622$2,964$2,413$1,318
19 years$4,989$4,082$3,316$2,678$2,151$1,127
20 years$4,690$3,793$3,043$2,425$1,921$965
21 years$4,420$3,533$2,799$2,201$1,719$828
22 years$4,174$3,298$2,580$2,001$1,541$711
23 years$3,951$3,084$2,382$1,823$1,383$611
24 years$3,746$2,890$2,203$1,662$1,243$525
25 years$3,558$2,712$2,041$1,518$1,119$452
26 years$3,384$2,549$1,893$1,388$1,008$389
27 years$3,224$2,399$1,757$1,271$909$336
28 years$3,076$2,260$1,634$1,164$820$289
29 years$2,938$2,132$1,520$1,068$740$249
30 years$2,809$2,014$1,416$980$669$215
31 years$2,689$1,904$1,320$900$605$186
32 years$2,577$1,801$1,232$827$547$160
33 years$2,471$1,706$1,150$760$495$138
34 years$2,372$1,617$1,075$700$448$119
35 years$2,279$1,533$1,005$644$406$103
36 years$2,192$1,455$940$593$368$89
37 years$2,109$1,382$880$547$333$77
38 years$2,031$1,314$824$504$302$66
39 years$1,957$1,249$772$464$274$57
40 years$1,887$1,189$723$428$249$50
41 years$1,820$1,131$678$395$226$43
42 years$1,757$1,078$636$365$205$37
43 years$1,697$1,027$597$337$186$32
44 years$1,640$979$560$311$169$28
45 years$1,585$933$526$287$153$24
46 years$1,533$890$494$265$139$21
47 years$1,484$850$464$245$126$18
48 years$1,436$811$436$226$115$15
49 years$1,391$774$410$209$104$13
50 years$1,347$740$386$193$95$12

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 $3,391 every year, while hoping to spend $48,399 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: 36/46/18 Blend
51$1,380,000$1,380,000$1,380,000$1,380,000
52$1,524,258$1,451,118$1,429,728$1,570,670
53$1,628,236$1,470,726$1,426,128$1,624,303
54$1,741,198$1,489,674$1,420,785$1,677,372
55$1,864,008$1,507,876$1,413,589$1,733,647
56$1,997,620$1,525,245$1,404,427$1,793,443
57$2,143,079$1,541,684$1,393,178$1,857,106
58$2,301,539$1,557,092$1,379,715$1,925,021
59$2,474,268$1,571,362$1,363,907$1,997,614
60$2,662,661$1,584,376$1,345,616$2,075,358
61$2,868,255$1,596,013$1,324,696$2,158,776
62$3,092,740$1,606,141$1,300,997$2,248,448
63$3,337,978$1,614,621$1,274,359$2,345,016
64$3,606,019$1,621,304$1,244,617$2,449,189
65$3,899,119$1,626,033$1,211,597$2,561,756
66$4,219,761$1,628,641$1,175,118$2,683,587
67$4,570,680$1,628,948$1,134,988$2,815,645
68$4,954,890$1,626,767$1,091,011$2,958,999
69$5,375,706$1,621,896$1,042,976$3,114,827
70$5,836,780$1,614,121$990,669$3,284,436
71$6,342,137$1,603,218$933,861$3,469,271
72$6,896,204$1,588,945$872,315$3,670,929
73$7,503,862$1,571,049$805,783$3,891,178
74$8,170,485$1,549,259$734,006$4,131,970
75$8,901,993$1,523,291$656,713$4,395,467
76$9,704,905$1,492,841$573,621$4,684,057
77$10,586,403$1,457,588$484,436$5,000,380
78$11,554,400$1,417,193$388,848$5,347,352
79$12,617,610$1,371,297$286,536$5,728,199
80$13,785,634$1,319,519$177,163$6,146,483
81$15,069,050$1,261,456$60,378$6,606,141
82$16,479,508$1,196,682$0$7,111,522
83$18,029,845$1,124,747$0$7,679,770
84$19,734,204$1,045,174$0$8,317,030
85$21,608,164$957,460$0$9,017,629
86$23,668,892$861,071$0$9,788,121
87$25,935,301$755,445$0$10,635,737
88$28,428,227$639,987$0$11,568,456
89$31,170,628$514,068$0$12,595,080
90$34,187,801$377,026$0$13,725,326
91$37,507,614$228,158$0$14,969,911
92$41,160,777$66,724$0$16,340,659
93$45,181,125$0$0$17,850,616
94$49,605,941$0$0$19,568,871
95$54,476,302$0$0$21,497,550
96$59,837,472$0$0$23,620,834
97$65,739,327$0$0$25,958,504
98$72,236,821$0$0$28,532,359
99$79,390,510$0$0$31,366,420
100$87,267,120$0$0$34,487,153