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

Use the below retirement simulation to view the chances of a successful retirement.
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%16%
1 years$117,262$116,218$115,199$114,204$113,233$110,451
2 years$58,051$56,969$55,922$54,906$53,920$51,135
3 years$38,316$37,230$36,185$35,179$34,209$31,507
4 years$28,451$27,368$26,333$25,344$24,398$21,800
5 years$22,533$21,457$20,436$19,467$18,547$16,061
6 years$18,589$17,521$16,515$15,568$14,676$12,303
7 years$15,773$14,714$13,724$12,799$11,935$9,677
8 years$13,662$12,613$11,639$10,737$9,902$7,756
9 years$12,021$10,982$10,025$9,145$8,339$6,305
10 years$10,709$9,680$8,740$7,883$7,105$5,180
11 years$9,636$8,617$7,694$6,861$6,110$4,292
12 years$8,743$7,735$6,829$6,018$5,295$3,580
13 years$7,988$6,990$6,101$5,313$4,617$3,003
14 years$7,341$6,354$5,482$4,716$4,048$2,529
15 years$6,781$5,804$4,949$4,206$3,564$2,138
16 years$6,291$5,325$4,487$3,766$3,150$1,813
17 years$5,860$4,904$4,083$3,384$2,793$1,541
18 years$5,476$4,532$3,727$3,049$2,483$1,313
19 years$5,134$4,200$3,412$2,755$2,213$1,120
20 years$4,826$3,903$3,132$2,496$1,977$957
21 years$4,548$3,635$2,880$2,265$1,769$819
22 years$4,295$3,393$2,655$2,059$1,586$702
23 years$4,065$3,174$2,451$1,875$1,424$602
24 years$3,855$2,974$2,267$1,711$1,280$516
25 years$3,661$2,791$2,100$1,562$1,151$443
26 years$3,483$2,623$1,947$1,428$1,037$381
27 years$3,318$2,468$1,808$1,307$935$327
28 years$3,165$2,326$1,681$1,198$844$281
29 years$3,023$2,194$1,564$1,098$762$242
30 years$2,891$2,072$1,457$1,008$688$208
31 years$2,767$1,959$1,358$926$622$179
32 years$2,651$1,854$1,267$851$563$154
33 years$2,543$1,755$1,183$782$509$133
34 years$2,441$1,664$1,106$720$461$114
35 years$2,346$1,578$1,034$663$418$99
36 years$2,255$1,498$967$610$379$85
37 years$2,170$1,422$905$562$343$73
38 years$2,090$1,352$848$518$311$63
39 years$2,014$1,285$794$478$282$54
40 years$1,941$1,223$744$441$256$47
41 years$1,873$1,164$698$407$232$40
42 years$1,808$1,109$655$375$211$35
43 years$1,746$1,056$614$347$191$30
44 years$1,687$1,007$577$320$173$26
45 years$1,631$960$541$295$158$22
46 years$1,578$916$509$273$143$19
47 years$1,527$874$478$252$130$17
48 years$1,478$835$449$233$118$14
49 years$1,431$797$422$215$107$12
50 years$1,386$761$397$199$97$11

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 $5,104 every year, while hoping to spend $57,792 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: 52/25/23 Blend
51$1,420,000$1,420,000$1,420,000$1,420,000
52$1,570,105$1,494,845$1,472,835$1,641,472
53$1,668,765$1,506,602$1,460,685$1,703,076
54$1,775,552$1,516,998$1,446,190$1,763,692
55$1,891,233$1,525,906$1,429,212$1,828,428
56$2,016,653$1,533,189$1,409,605$1,897,698
57$2,152,740$1,538,704$1,387,215$1,971,960
58$2,300,515$1,542,296$1,361,882$2,051,722
59$2,461,101$1,543,802$1,333,439$2,137,543
60$2,635,733$1,543,048$1,301,709$2,230,045
61$2,825,772$1,539,852$1,266,510$2,329,915
62$3,032,712$1,534,016$1,227,650$2,437,913
63$3,258,200$1,525,334$1,184,927$2,554,881
64$3,504,046$1,513,585$1,138,132$2,681,749
65$3,772,244$1,498,535$1,087,044$2,819,546
66$4,064,987$1,479,939$1,031,435$2,969,409
67$4,384,692$1,457,532$971,065$3,132,598
68$4,734,017$1,431,037$905,681$3,310,503
69$5,115,888$1,400,159$835,023$3,504,662
70$5,533,529$1,364,587$758,817$3,716,776
71$5,990,488$1,323,991$676,776$3,948,723
72$6,490,671$1,278,020$588,601$4,202,580
73$7,038,382$1,226,305$493,982$4,480,641
74$7,638,357$1,168,454$392,590$4,785,441
75$8,295,815$1,104,053$284,087$5,119,781
76$9,016,501$1,032,665$168,117$5,486,754
77$9,806,744$953,826$44,309$5,889,778
78$10,673,515$867,046$0$6,332,628
79$11,624,490$771,809$0$6,841,020
80$12,668,127$667,566$0$7,411,014
81$13,813,740$553,741$0$8,036,908
82$15,071,589$429,722$0$8,724,422
83$16,452,978$294,865$0$9,479,863
84$17,970,358$148,489$0$10,310,185
85$19,637,443$0$0$11,223,061
86$21,469,347$0$0$12,229,735
87$23,482,714$0$0$13,381,173
88$25,695,884$0$0$14,647,035
89$28,129,063$0$0$16,038,895
90$30,804,511$0$0$17,569,507
91$33,746,752$0$0$19,252,924
92$36,982,807$0$0$21,104,625
93$40,542,447$0$0$23,141,670
94$44,458,474$0$0$25,382,850
95$48,767,027$0$0$27,848,874
96$53,507,927$0$0$30,562,557
97$58,725,048$0$0$33,549,038
98$64,466,735$0$0$36,836,017
99$70,786,253$0$0$40,454,015
100$77,742,295$0$0$44,436,661