Can I retire at age 52 with 1,460,000?

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 $1,460,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.2%
1 years$120,565$119,492$118,444$117,421$116,422$113,932
2 years$59,686$58,574$57,497$56,452$55,439$52,942
3 years$39,395$38,279$37,204$36,170$35,173$32,748
4 years$29,252$28,139$27,075$26,058$25,086$22,750
5 years$23,168$22,061$21,011$20,015$19,070$16,831
6 years$19,113$18,015$16,980$16,006$15,089$12,950
7 years$16,217$15,129$14,111$13,160$12,272$10,232
8 years$14,047$12,968$11,967$11,039$10,180$8,239
9 years$12,360$11,291$10,307$9,403$8,573$6,730
10 years$11,011$9,953$8,986$8,106$7,305$5,557
11 years$9,908$8,860$7,911$7,054$6,283$4,628
12 years$8,989$7,952$7,021$6,188$5,444$3,880
13 years$8,213$7,187$6,273$5,463$4,748$3,272
14 years$7,548$6,532$5,636$4,849$4,162$2,771
15 years$6,972$5,968$5,089$4,325$3,664$2,356
16 years$6,468$5,475$4,614$3,872$3,238$2,009
17 years$6,025$5,042$4,198$3,479$2,871$1,717
18 years$5,631$4,659$3,832$3,135$2,553$1,472
19 years$5,279$4,318$3,508$2,833$2,276$1,263
20 years$4,962$4,013$3,220$2,566$2,033$1,086
21 years$4,676$3,738$2,962$2,329$1,819$935
22 years$4,416$3,489$2,730$2,117$1,631$806
23 years$4,180$3,263$2,520$1,928$1,464$695
24 years$3,963$3,057$2,331$1,759$1,316$600
25 years$3,764$2,869$2,159$1,606$1,184$519
26 years$3,581$2,697$2,002$1,469$1,066$449
27 years$3,411$2,538$1,859$1,344$961$388
28 years$3,254$2,391$1,728$1,232$867$336
29 years$3,108$2,256$1,608$1,129$783$291
30 years$2,972$2,131$1,498$1,037$708$252
31 years$2,845$2,014$1,397$952$640$218
32 years$2,726$1,906$1,303$875$579$189
33 years$2,615$1,805$1,217$805$524$164
34 years$2,510$1,710$1,137$740$474$142
35 years$2,412$1,622$1,063$681$430$123
36 years$2,319$1,540$994$628$389$107
37 years$2,231$1,463$931$578$353$93
38 years$2,149$1,390$872$533$320$80
39 years$2,070$1,322$817$491$290$70
40 years$1,996$1,257$765$453$263$61
41 years$1,926$1,197$718$418$239$53
42 years$1,859$1,140$673$386$217$46
43 years$1,795$1,086$632$356$197$40
44 years$1,735$1,035$593$329$178$34
45 years$1,677$987$557$304$162$30
46 years$1,622$942$523$281$147$26
47 years$1,570$899$491$259$134$22
48 years$1,519$858$462$240$121$19
49 years$1,471$819$434$221$110$17
50 years$1,425$783$408$205$100$15

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,460,000, adding $5,899 every year, while hoping to spend $29,406 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: 23/49/28 Blend
51$1,460,000$1,460,000$1,460,000$1,460,000
52$1,615,005$1,537,625$1,514,995$1,637,757
53$1,748,448$1,581,681$1,534,459$1,701,982
54$1,894,516$1,626,910$1,553,590$1,767,845
55$2,054,467$1,673,338$1,572,346$1,837,736
56$2,229,684$1,720,993$1,590,681$1,912,007
57$2,421,691$1,769,902$1,608,548$1,991,044
58$2,632,168$1,820,091$1,625,899$2,075,274
59$2,862,962$1,871,589$1,642,680$2,165,163
60$3,116,110$1,924,423$1,658,835$2,261,225
61$3,393,855$1,978,621$1,674,308$2,364,028
62$3,698,666$2,034,212$1,689,036$2,474,194
63$4,033,266$2,091,223$1,702,954$2,592,407
64$4,400,650$2,149,685$1,715,994$2,719,425
65$4,804,122$2,209,625$1,728,085$2,856,076
66$5,247,318$2,271,072$1,739,152$3,003,276
67$5,734,245$2,334,055$1,749,114$3,162,033
68$6,269,317$2,398,602$1,757,888$3,333,456
69$6,857,396$2,464,743$1,765,387$3,518,768
70$7,503,842$2,532,507$1,771,518$3,719,313
71$8,214,554$2,601,920$1,776,185$3,936,575
72$8,996,038$2,673,013$1,779,285$4,172,187
73$9,855,455$2,745,813$1,780,713$4,427,949
74$10,800,701$2,820,347$1,780,357$4,705,843
75$11,840,472$2,896,643$1,778,098$5,008,054
76$12,984,349$2,974,727$1,773,813$5,336,989
77$14,242,891$3,054,627$1,767,374$5,695,299
78$15,627,729$3,136,367$1,758,644$6,085,907
79$17,151,680$3,219,972$1,747,482$6,512,033
80$18,828,867$3,305,466$1,733,738$6,977,226
81$20,674,850$3,392,873$1,717,257$7,485,397
82$22,706,775$3,482,214$1,697,875$8,040,855
83$24,943,534$3,573,510$1,675,422$8,648,351
84$27,405,943$3,666,780$1,649,717$9,313,119
85$30,116,940$3,762,043$1,620,573$10,040,927
86$33,101,799$3,859,315$1,587,794$10,838,134
87$36,388,372$3,958,611$1,551,174$11,711,747
88$40,007,346$4,059,943$1,510,499$12,669,488
89$43,992,538$4,163,322$1,465,543$13,719,869
90$48,381,208$4,268,757$1,416,070$14,872,271
91$53,214,419$4,376,253$1,361,836$16,137,033
92$58,537,414$4,485,814$1,302,582$17,525,550
93$64,400,051$4,597,440$1,238,039$19,050,381
94$70,857,269$4,711,128$1,167,926$20,725,369
95$77,969,609$4,826,871$1,091,950$22,565,769
96$85,803,782$4,944,660$1,009,803$24,588,398
97$94,433,300$5,064,481$921,164$26,811,787
98$103,939,171$5,186,316$825,698$29,256,362
99$114,410,662$5,310,141$723,054$31,944,637
100$125,946,141$5,435,929$612,868$34,901,423