Can I retire at age 52 with 1,420,000?

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 $1,420,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.9%
1 years$117,262$116,218$115,199$114,204$113,233$109,608
2 years$58,051$56,969$55,922$54,906$53,920$50,302
3 years$38,316$37,230$36,185$35,179$34,209$30,711
4 years$28,451$27,368$26,333$25,344$24,398$21,047
5 years$22,533$21,457$20,436$19,467$18,547$15,351
6 years$18,589$17,521$16,515$15,568$14,676$11,638
7 years$15,773$14,714$13,724$12,799$11,935$9,055
8 years$13,662$12,613$11,639$10,737$9,902$7,178
9 years$12,021$10,982$10,025$9,145$8,339$5,768
10 years$10,709$9,680$8,740$7,883$7,105$4,683
11 years$9,636$8,617$7,694$6,861$6,110$3,833
12 years$8,743$7,735$6,829$6,018$5,295$3,157
13 years$7,988$6,990$6,101$5,313$4,617$2,614
14 years$7,341$6,354$5,482$4,716$4,048$2,173
15 years$6,781$5,804$4,949$4,206$3,564$1,813
16 years$6,291$5,325$4,487$3,766$3,150$1,516
17 years$5,860$4,904$4,083$3,384$2,793$1,271
18 years$5,476$4,532$3,727$3,049$2,483$1,068
19 years$5,134$4,200$3,412$2,755$2,213$898
20 years$4,826$3,903$3,132$2,496$1,977$757
21 years$4,548$3,635$2,880$2,265$1,769$638
22 years$4,295$3,393$2,655$2,059$1,586$538
23 years$4,065$3,174$2,451$1,875$1,424$455
24 years$3,855$2,974$2,267$1,711$1,280$384
25 years$3,661$2,791$2,100$1,562$1,151$325
26 years$3,483$2,623$1,947$1,428$1,037$275
27 years$3,318$2,468$1,808$1,307$935$233
28 years$3,165$2,326$1,681$1,198$844$197
29 years$3,023$2,194$1,564$1,098$762$167
30 years$2,891$2,072$1,457$1,008$688$141
31 years$2,767$1,959$1,358$926$622$120
32 years$2,651$1,854$1,267$851$563$102
33 years$2,543$1,755$1,183$782$509$86
34 years$2,441$1,664$1,106$720$461$73
35 years$2,346$1,578$1,034$663$418$62
36 years$2,255$1,498$967$610$379$52
37 years$2,170$1,422$905$562$343$44
38 years$2,090$1,352$848$518$311$38
39 years$2,014$1,285$794$478$282$32
40 years$1,941$1,223$744$441$256$27
41 years$1,873$1,164$698$407$232$23
42 years$1,808$1,109$655$375$211$19
43 years$1,746$1,056$614$347$191$17
44 years$1,687$1,007$577$320$173$14
45 years$1,631$960$541$295$158$12
46 years$1,578$916$509$273$143$10
47 years$1,527$874$478$252$130$9
48 years$1,478$835$449$233$118$7
49 years$1,431$797$422$215$107$6
50 years$1,386$761$397$199$97$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,420,000, adding $4,109 every year, while hoping to spend $24,995 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: 55/18/27 Blend
51$1,420,000$1,420,000$1,420,000$1,420,000
52$1,569,078$1,493,818$1,471,808$1,643,469
53$1,702,530$1,540,421$1,494,520$1,741,771
54$1,848,756$1,588,469$1,517,154$1,845,849
55$2,009,033$1,638,008$1,539,682$1,958,697
56$2,184,766$1,689,083$1,562,074$2,081,167
57$2,377,505$1,741,741$1,584,296$2,214,198
58$2,588,955$1,796,031$1,606,315$2,358,823
59$2,820,995$1,852,003$1,628,092$2,516,181
60$3,075,694$1,909,708$1,649,591$2,687,523
61$3,355,331$1,969,200$1,670,768$2,874,231
62$3,662,418$2,030,534$1,691,582$3,077,825
63$3,999,720$2,093,765$1,711,985$3,299,978
64$4,370,284$2,158,952$1,731,930$3,542,536
65$4,777,467$2,226,156$1,751,364$3,807,529
66$5,224,968$2,295,437$1,770,234$4,097,197
67$5,716,861$2,366,859$1,788,482$4,414,003
68$6,257,633$2,440,487$1,806,049$4,760,665
69$6,852,230$2,516,389$1,822,870$5,140,175
70$7,506,099$2,594,634$1,838,878$5,555,828
71$8,225,245$2,675,295$1,854,004$6,011,258
72$9,016,278$2,758,443$1,868,172$6,510,466
73$9,886,488$2,844,156$1,881,304$7,057,860
74$10,843,901$2,932,510$1,893,319$7,658,299
75$11,897,363$3,023,588$1,904,130$8,317,135
76$13,056,621$3,117,471$1,913,645$9,040,266
77$14,332,414$3,214,244$1,921,770$9,834,190
78$15,736,574$3,313,996$1,928,403$10,706,068
79$17,282,139$3,416,817$1,933,439$11,663,790
80$18,983,476$3,522,799$1,936,768$12,716,050
81$20,856,414$3,632,040$1,938,273$13,872,427
82$22,918,395$3,744,636$1,937,832$15,143,479
83$25,188,639$3,860,691$1,935,317$16,540,838
84$27,688,323$3,980,309$1,930,594$18,077,322
85$30,440,785$4,103,596$1,923,521$19,767,056
86$33,471,737$4,230,665$1,913,951$21,625,607
87$36,809,516$4,361,629$1,901,730$23,670,125
88$40,485,343$4,496,605$1,886,694$25,919,512
89$44,533,624$4,635,715$1,868,675$28,394,597
90$48,992,271$4,779,082$1,847,493$31,118,332
91$53,903,061$4,926,836$1,822,962$34,116,011
92$59,312,029$5,079,107$1,794,888$37,415,506
93$65,269,904$5,236,031$1,763,064$41,047,532
94$71,832,586$5,397,748$1,727,279$45,045,937
95$79,061,674$5,564,401$1,687,306$49,448,021
96$87,025,046$5,736,139$1,642,913$54,294,889
97$95,797,504$5,913,113$1,593,854$59,631,838
98$105,461,474$6,095,480$1,539,872$65,508,783
99$116,107,786$6,283,400$1,480,699$71,980,734
100$127,836,533$6,477,039$1,416,056$79,108,310