Can I retire at age 52 with 1,410,000?

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 $1,410,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.5%
1 years$116,436$115,399$114,387$113,400$112,435$110,801
2 years$57,642$56,568$55,528$54,519$53,541$51,897
3 years$38,046$36,968$35,930$34,931$33,968$32,367
4 years$28,250$27,175$26,148$25,166$24,227$22,680
5 years$22,374$21,306$20,292$19,330$18,417$16,929
6 years$18,458$17,398$16,399$15,458$14,572$13,146
7 years$15,662$14,611$13,628$12,709$11,851$10,486
8 years$13,566$12,524$11,557$10,661$9,832$8,528
9 years$11,937$10,904$9,954$9,081$8,280$7,036
10 years$10,634$9,612$8,678$7,828$7,055$5,871
11 years$9,569$8,557$7,640$6,813$6,067$4,942
12 years$8,681$7,680$6,781$5,976$5,258$4,190
13 years$7,931$6,941$6,058$5,276$4,585$3,572
14 years$7,289$6,309$5,443$4,683$4,019$3,060
15 years$6,733$5,763$4,914$4,176$3,539$2,632
16 years$6,247$5,288$4,456$3,740$3,128$2,272
17 years$5,818$4,870$4,054$3,360$2,773$1,966
18 years$5,438$4,500$3,701$3,028$2,466$1,705
19 years$5,098$4,170$3,388$2,736$2,198$1,483
20 years$4,792$3,875$3,110$2,478$1,963$1,291
21 years$4,516$3,610$2,860$2,249$1,757$1,126
22 years$4,265$3,370$2,636$2,045$1,575$983
23 years$4,037$3,151$2,434$1,862$1,414$859
24 years$3,827$2,953$2,251$1,698$1,270$752
25 years$3,635$2,771$2,085$1,551$1,143$659
26 years$3,458$2,604$1,934$1,418$1,030$577
27 years$3,294$2,451$1,796$1,298$928$506
28 years$3,143$2,309$1,669$1,189$838$444
29 years$3,002$2,179$1,553$1,091$756$390
30 years$2,870$2,058$1,447$1,001$684$343
31 years$2,747$1,945$1,349$919$618$301
32 years$2,633$1,840$1,259$845$559$265
33 years$2,525$1,743$1,175$777$506$233
34 years$2,424$1,652$1,098$715$458$205
35 years$2,329$1,567$1,026$658$415$180
36 years$2,239$1,487$960$606$376$158
37 years$2,155$1,412$899$558$341$139
38 years$2,075$1,342$842$515$309$123
39 years$1,999$1,276$789$475$280$108
40 years$1,928$1,214$739$438$254$95
41 years$1,860$1,156$693$404$230$84
42 years$1,795$1,101$650$373$209$74
43 years$1,734$1,049$610$344$190$65
44 years$1,675$1,000$573$318$172$57
45 years$1,620$953$538$293$156$50
46 years$1,566$910$505$271$142$44
47 years$1,516$868$474$250$129$39
48 years$1,467$829$446$231$117$34
49 years$1,421$791$419$214$106$30
50 years$1,377$756$394$198$97$27

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,410,000, adding $4,529 every year, while hoping to spend $25,735 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: 37/39/24 Blend
51$1,410,000$1,410,000$1,410,000$1,410,000
52$1,558,492$1,483,762$1,461,907$1,604,789
53$1,690,076$1,529,084$1,483,499$1,684,419
54$1,834,219$1,575,765$1,504,952$1,767,667
55$1,992,176$1,623,843$1,526,233$1,857,078
56$2,165,326$1,673,360$1,547,310$1,953,223
57$2,355,191$1,724,356$1,568,147$2,056,731
58$2,563,445$1,776,875$1,588,705$2,168,294
59$2,791,934$1,830,959$1,608,944$2,288,670
60$3,042,691$1,886,655$1,628,823$2,418,697
61$3,317,953$1,944,009$1,648,296$2,559,296
62$3,620,186$2,003,067$1,667,316$2,711,479
63$3,952,106$2,063,879$1,685,833$2,876,362
64$4,316,707$2,126,495$1,703,793$3,055,172
65$4,717,283$2,190,965$1,721,143$3,249,261
66$5,157,467$2,257,343$1,737,822$3,460,116
67$5,641,258$2,325,683$1,753,769$3,689,375
68$6,173,065$2,396,040$1,768,919$3,938,842
69$6,757,743$2,468,471$1,783,203$4,210,502
70$7,400,641$2,543,035$1,796,548$4,506,545
71$8,107,654$2,619,791$1,808,880$4,829,377
72$8,885,274$2,698,800$1,820,117$5,181,652
73$9,740,657$2,780,126$1,830,176$5,566,293
74$10,681,685$2,863,833$1,838,968$5,986,518
75$11,717,043$2,949,988$1,846,400$6,445,873
76$12,856,302$3,038,657$1,852,374$6,948,262
77$14,110,004$3,129,911$1,856,789$7,497,989
78$15,489,769$3,223,821$1,859,535$8,099,793
79$17,008,397$3,320,460$1,860,501$8,758,896
80$18,679,993$3,419,902$1,859,568$9,481,049
81$20,520,099$3,522,224$1,856,610$10,272,590
82$22,545,841$3,627,505$1,851,498$11,140,503
83$24,776,088$3,735,824$1,844,094$12,092,479
84$27,231,633$3,847,263$1,834,256$13,136,996
85$29,935,388$3,961,907$1,821,832$14,283,392
86$32,912,599$4,079,842$1,806,664$15,541,957
87$36,191,085$4,201,156$1,788,589$16,924,030
88$39,801,501$4,325,937$1,767,432$18,442,103
89$43,777,625$4,454,280$1,743,012$20,109,943
90$48,156,680$4,586,277$1,715,140$21,942,717
91$52,979,682$4,722,024$1,683,617$23,957,141
92$58,291,826$4,861,620$1,648,235$26,171,630
93$64,142,918$5,005,165$1,608,776$28,606,481
94$70,587,839$5,152,762$1,565,014$31,284,055
95$77,687,066$5,304,514$1,516,709$34,228,995
96$85,507,241$5,460,530$1,463,613$37,468,457
97$94,121,801$5,620,917$1,405,465$41,032,363
98$103,611,669$5,785,787$1,341,994$44,953,687
99$114,066,022$5,955,253$1,272,913$49,268,767
100$125,583,127$6,129,431$1,197,926$54,017,642