Can I retire at age 52 with 1,430,000?

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 $1,430,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18%
1 years$118,088$117,036$116,010$115,008$114,030$110,336
2 years$58,459$57,371$56,316$55,292$54,300$50,613
3 years$38,586$37,492$36,440$35,426$34,450$30,886
4 years$28,651$27,561$26,519$25,523$24,570$21,156
5 years$22,692$21,608$20,580$19,604$18,678$15,423
6 years$18,720$17,645$16,631$15,677$14,779$11,686
7 years$15,884$14,818$13,821$12,889$12,019$9,087
8 years$13,758$12,702$11,721$10,812$9,971$7,199
9 years$12,106$11,059$10,095$9,210$8,397$5,781
10 years$10,785$9,748$8,801$7,939$7,155$4,691
11 years$9,704$8,678$7,749$6,909$6,153$3,837
12 years$8,805$7,789$6,877$6,060$5,332$3,159
13 years$8,044$7,039$6,144$5,350$4,650$2,613
14 years$7,393$6,398$5,520$4,749$4,076$2,171
15 years$6,828$5,845$4,984$4,236$3,589$1,810
16 years$6,335$5,363$4,519$3,793$3,172$1,513
17 years$5,901$4,939$4,112$3,408$2,812$1,267
18 years$5,515$4,564$3,754$3,071$2,501$1,064
19 years$5,170$4,230$3,436$2,775$2,229$894
20 years$4,860$3,930$3,154$2,513$1,991$752
21 years$4,580$3,661$2,901$2,281$1,782$634
22 years$4,326$3,417$2,674$2,074$1,597$535
23 years$4,094$3,196$2,469$1,889$1,434$451
24 years$3,882$2,995$2,283$1,723$1,289$381
25 years$3,687$2,810$2,114$1,573$1,159$322
26 years$3,507$2,641$1,961$1,438$1,044$272
27 years$3,341$2,486$1,821$1,317$942$230
28 years$3,187$2,342$1,693$1,206$850$195
29 years$3,044$2,210$1,575$1,106$767$165
30 years$2,911$2,087$1,467$1,015$693$139
31 years$2,786$1,973$1,368$932$627$118
32 years$2,670$1,867$1,276$857$567$100
33 years$2,561$1,768$1,192$788$513$85
34 years$2,458$1,675$1,114$725$465$72
35 years$2,362$1,589$1,041$667$421$61
36 years$2,271$1,508$974$615$381$51
37 years$2,185$1,432$912$566$346$44
38 years$2,104$1,361$854$522$313$37
39 years$2,028$1,295$800$481$284$31
40 years$1,955$1,232$750$444$258$27
41 years$1,886$1,172$703$410$234$22
42 years$1,821$1,117$659$378$212$19
43 years$1,758$1,064$619$349$192$16
44 years$1,699$1,014$581$322$175$14
45 years$1,643$967$545$298$159$12
46 years$1,589$922$512$275$144$10
47 years$1,537$880$481$254$131$8
48 years$1,488$840$452$235$119$7
49 years$1,441$803$425$217$108$6
50 years$1,396$767$400$200$98$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,430,000, adding $6,629 every year, while hoping to spend $34,922 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: 78/8/14 Blend
51$1,430,000$1,430,000$1,430,000$1,430,000
52$1,582,698$1,506,908$1,484,743$1,701,108
53$1,706,976$1,543,590$1,497,325$1,816,711
54$1,842,761$1,580,898$1,509,158$1,938,372
55$1,991,188$1,618,828$1,520,180$2,070,838
56$2,153,509$1,657,371$1,530,327$2,215,175
57$2,331,103$1,696,517$1,539,528$2,372,557
58$2,525,486$1,736,257$1,547,713$2,544,277
59$2,738,329$1,776,578$1,554,805$2,731,759
60$2,971,473$1,817,464$1,560,725$2,936,572
61$3,226,943$1,858,900$1,565,389$3,160,445
62$3,506,971$1,900,865$1,568,710$3,405,280
63$3,814,014$1,943,340$1,570,594$3,673,176
64$4,150,780$1,986,300$1,570,945$3,966,443
65$4,520,249$2,029,719$1,569,662$4,287,627
66$4,925,707$2,073,567$1,566,638$4,639,534
67$5,370,769$2,117,812$1,561,760$5,025,254
68$5,859,421$2,162,419$1,554,913$5,448,191
69$6,396,052$2,207,347$1,545,972$5,912,099
70$6,985,496$2,252,554$1,534,809$6,421,110
71$7,633,081$2,297,994$1,521,290$6,979,780
72$8,344,674$2,343,614$1,505,272$7,593,128
73$9,126,740$2,389,360$1,486,607$8,266,685
74$9,986,400$2,435,171$1,465,141$9,006,545
75$10,931,501$2,480,982$1,440,711$9,819,423
76$11,970,686$2,526,722$1,413,147$10,712,719
77$13,113,479$2,572,315$1,382,270$11,694,588
78$14,370,373$2,617,678$1,347,896$12,774,014
79$15,752,929$2,662,722$1,309,829$13,960,900
80$17,273,885$2,707,352$1,267,864$15,266,158
81$18,947,274$2,751,465$1,221,790$16,701,810
82$20,788,559$2,794,950$1,171,384$18,281,107
83$22,814,778$2,837,689$1,116,411$20,018,650
84$25,044,704$2,879,554$1,056,630$21,930,530
85$27,499,021$2,920,410$991,784$24,034,479
86$30,200,521$2,960,109$921,608$26,350,036
87$33,174,316$2,998,497$845,825$28,898,736
88$36,448,079$3,035,406$764,142$31,704,306
89$40,052,301$3,070,658$676,258$34,792,899
90$44,020,578$3,104,063$581,856$38,193,330
91$48,389,932$3,135,418$480,603$41,937,359
92$53,201,157$3,164,505$372,155$46,059,980
93$58,499,203$3,191,094$256,151$50,599,761
94$64,333,604$3,214,939$132,213$55,599,204
95$70,758,938$3,235,779$0$61,105,145
96$77,835,352$3,253,333$0$67,169,205
97$85,629,117$3,267,307$0$73,869,336
98$94,213,266$3,277,383$0$81,248,514
99$103,668,272$3,283,228$0$89,375,882
100$114,082,815$3,284,485$0$98,327,636