Can I retire at age 52 with 1,390,000?

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 $1,390,000?

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$114,785$113,762$112,765$111,791$110,841$107,724
2 years$56,824$55,766$54,740$53,746$52,781$49,665
3 years$37,507$36,444$35,421$34,435$33,487$30,469
4 years$27,850$26,790$25,777$24,809$23,883$20,986
5 years$22,057$21,004$20,004$19,056$18,155$15,388
6 years$18,196$17,151$16,166$15,239$14,366$11,730
7 years$15,440$14,403$13,434$12,529$11,683$9,179
8 years$13,374$12,346$11,393$10,510$9,692$7,319
9 years$11,767$10,750$9,813$8,952$8,162$5,917
10 years$10,483$9,475$8,555$7,717$6,955$4,834
11 years$9,433$8,435$7,532$6,716$5,981$3,983
12 years$8,558$7,571$6,684$5,891$5,183$3,302
13 years$7,819$6,842$5,972$5,201$4,520$2,753
14 years$7,186$6,219$5,366$4,617$3,962$2,304
15 years$6,637$5,681$4,845$4,117$3,489$1,936
16 years$6,158$5,213$4,392$3,687$3,083$1,631
17 years$5,736$4,801$3,997$3,312$2,734$1,377
18 years$5,361$4,436$3,649$2,985$2,431$1,165
19 years$5,025$4,111$3,340$2,697$2,167$988
20 years$4,724$3,820$3,065$2,443$1,935$838
21 years$4,452$3,559$2,820$2,217$1,732$712
22 years$4,205$3,322$2,599$2,016$1,552$606
23 years$3,979$3,107$2,399$1,836$1,393$516
24 years$3,773$2,911$2,219$1,674$1,252$440
25 years$3,584$2,732$2,055$1,529$1,127$375
26 years$3,409$2,567$1,906$1,398$1,015$320
27 years$3,248$2,416$1,770$1,280$915$273
28 years$3,098$2,277$1,646$1,173$826$233
29 years$2,959$2,148$1,531$1,075$746$199
30 years$2,829$2,028$1,426$987$674$170
31 years$2,709$1,918$1,330$906$609$145
32 years$2,595$1,814$1,241$833$551$124
33 years$2,489$1,718$1,158$766$499$106
34 years$2,390$1,628$1,082$705$452$91
35 years$2,296$1,545$1,012$649$409$77
36 years$2,208$1,466$947$597$371$66
37 years$2,124$1,392$886$551$336$57
38 years$2,046$1,323$830$507$304$48
39 years$1,971$1,258$777$468$276$41
40 years$1,900$1,197$729$432$250$35
41 years$1,833$1,140$683$398$227$30
42 years$1,770$1,085$641$367$206$26
43 years$1,709$1,034$601$339$187$22
44 years$1,652$986$565$313$170$19
45 years$1,597$940$530$289$154$16
46 years$1,544$897$498$267$140$14
47 years$1,494$856$468$247$127$12
48 years$1,447$817$440$228$115$10
49 years$1,401$780$413$211$105$9
50 years$1,357$745$388$195$95$7

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,390,000, adding $3,156 every year, while hoping to spend $49,370 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: 86/5/9 Blend
51$1,390,000$1,390,000$1,390,000$1,390,000
52$1,535,035$1,461,365$1,439,820$1,665,054
53$1,639,080$1,480,443$1,435,525$1,769,458
54$1,752,082$1,498,801$1,429,431$1,877,103
55$1,874,903$1,516,351$1,421,426$1,993,838
56$2,008,492$1,533,001$1,411,393$2,120,547
57$2,153,891$1,548,651$1,399,207$2,258,201
58$2,312,248$1,563,194$1,384,740$2,407,870
59$2,484,824$1,576,518$1,367,856$2,570,733
60$2,673,010$1,588,501$1,348,413$2,748,087
61$2,878,335$1,599,016$1,326,263$2,941,360
62$3,102,483$1,607,926$1,301,251$3,152,128
63$3,347,307$1,615,084$1,273,213$3,382,123
64$3,614,846$1,620,337$1,241,979$3,633,256
65$3,907,347$1,623,520$1,207,372$3,907,630
66$4,227,282$1,624,458$1,169,205$4,207,561
67$4,577,374$1,622,966$1,127,283$4,535,604
68$4,960,621$1,618,846$1,081,401$4,894,569
69$5,380,324$1,611,890$1,031,349$5,287,555
70$5,840,120$1,601,875$976,901$5,717,976
71$6,344,011$1,588,566$917,826$6,189,592
72$6,896,407$1,571,713$853,881$6,706,547
73$7,502,165$1,551,051$784,810$7,273,405
74$8,166,633$1,526,300$710,349$7,895,198
75$8,895,704$1,497,162$630,219$8,577,467
76$9,695,866$1,463,324$544,132$9,326,319
77$10,574,267$1,424,450$451,784$10,148,484
78$11,538,783$1,380,188$352,859$11,051,376
79$12,598,086$1,330,165$247,027$12,043,166
80$13,761,732$1,273,984$133,943$13,132,857
81$15,040,247$1,211,228$13,249$14,330,370
82$16,445,228$1,141,453$0$15,646,636
83$17,989,449$1,064,193$0$17,104,800
84$19,686,985$978,950$0$18,709,119
85$21,553,342$885,203$0$20,472,987
86$23,605,604$782,399$0$22,412,565
87$25,862,591$669,952$0$24,545,660
88$28,345,042$547,246$0$26,891,893
89$31,075,803$413,628$0$29,472,882
90$34,080,048$268,409$0$32,312,450
91$37,385,514$110,862$0$35,436,843
92$41,022,760$0$0$38,874,984
93$45,025,458$0$0$42,662,032
94$49,430,711$0$0$46,836,679
95$54,279,398$0$0$51,431,568
96$59,616,563$0$0$56,489,388
97$65,491,841$0$0$62,057,178
98$71,959,920$0$0$68,186,768
99$79,081,063$0$0$74,935,268
100$86,921,671$0$0$82,365,609