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

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 $1,460,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.4%
1 years$120,565$119,492$118,444$117,421$116,422$115,737
2 years$59,686$58,574$57,497$56,452$55,439$54,748
3 years$39,395$38,279$37,204$36,170$35,173$34,497
4 years$29,252$28,139$27,075$26,058$25,086$24,430
5 years$23,168$22,061$21,011$20,015$19,070$18,437
6 years$19,113$18,015$16,980$16,006$15,089$14,480
7 years$16,217$15,129$14,111$13,160$12,272$11,685
8 years$14,047$12,968$11,967$11,039$10,180$9,618
9 years$12,360$11,291$10,307$9,403$8,573$8,034
10 years$11,011$9,953$8,986$8,106$7,305$6,789
11 years$9,908$8,860$7,911$7,054$6,283$5,789
12 years$8,989$7,952$7,021$6,188$5,444$4,974
13 years$8,213$7,187$6,273$5,463$4,748$4,299
14 years$7,548$6,532$5,636$4,849$4,162$3,734
15 years$6,972$5,968$5,089$4,325$3,664$3,258
16 years$6,468$5,475$4,614$3,872$3,238$2,852
17 years$6,025$5,042$4,198$3,479$2,871$2,505
18 years$5,631$4,659$3,832$3,135$2,553$2,206
19 years$5,279$4,318$3,508$2,833$2,276$1,947
20 years$4,962$4,013$3,220$2,566$2,033$1,722
21 years$4,676$3,738$2,962$2,329$1,819$1,525
22 years$4,416$3,489$2,730$2,117$1,631$1,353
23 years$4,180$3,263$2,520$1,928$1,464$1,202
24 years$3,963$3,057$2,331$1,759$1,316$1,069
25 years$3,764$2,869$2,159$1,606$1,184$952
26 years$3,581$2,697$2,002$1,469$1,066$848
27 years$3,411$2,538$1,859$1,344$961$756
28 years$3,254$2,391$1,728$1,232$867$675
29 years$3,108$2,256$1,608$1,129$783$603
30 years$2,972$2,131$1,498$1,037$708$539
31 years$2,845$2,014$1,397$952$640$481
32 years$2,726$1,906$1,303$875$579$431
33 years$2,615$1,805$1,217$805$524$385
34 years$2,510$1,710$1,137$740$474$345
35 years$2,412$1,622$1,063$681$430$309
36 years$2,319$1,540$994$628$389$276
37 years$2,231$1,463$931$578$353$248
38 years$2,149$1,390$872$533$320$222
39 years$2,070$1,322$817$491$290$199
40 years$1,996$1,257$765$453$263$178
41 years$1,926$1,197$718$418$239$160
42 years$1,859$1,140$673$386$217$143
43 years$1,795$1,086$632$356$197$128
44 years$1,735$1,035$593$329$178$115
45 years$1,677$987$557$304$162$103
46 years$1,622$942$523$281$147$93
47 years$1,570$899$491$259$134$83
48 years$1,519$858$462$240$121$75
49 years$1,471$819$434$221$110$67
50 years$1,425$783$408$205$100$60

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 $3,886 every year, while hoping to spend $44,349 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: 76/18/6 Blend
51$1,460,000$1,460,000$1,460,000$1,460,000
52$1,612,928$1,535,548$1,512,918$1,734,264
53$1,730,260$1,563,603$1,516,414$1,842,569
54$1,858,073$1,591,546$1,518,541$1,955,154
55$1,997,390$1,619,326$1,519,205$2,077,257
56$2,149,336$1,646,885$1,518,310$2,209,802
57$2,315,149$1,674,162$1,515,754$2,353,810
58$2,496,192$1,701,094$1,511,430$2,510,403
59$2,693,965$1,727,610$1,505,225$2,680,818
60$2,910,122$1,753,635$1,497,022$2,866,416
61$3,146,479$1,779,088$1,486,697$3,068,699
62$3,405,040$1,803,883$1,474,121$3,289,320
63$3,688,009$1,827,928$1,459,160$3,530,098
64$3,997,814$1,851,125$1,441,670$3,793,040
65$4,337,128$1,873,368$1,421,503$4,080,357
66$4,708,896$1,894,543$1,398,504$4,394,483
67$5,116,360$1,914,532$1,372,510$4,738,101
68$5,563,091$1,933,206$1,343,351$5,114,167
69$6,053,021$1,950,428$1,310,849$5,525,939
70$6,590,483$1,966,053$1,274,816$5,977,006
71$7,180,247$1,979,925$1,235,057$6,471,322
72$7,827,570$1,991,879$1,191,369$7,013,245
73$8,538,240$2,001,739$1,143,538$7,607,578
74$9,318,635$2,009,318$1,091,341$8,259,613
75$10,175,779$2,014,418$1,034,544$8,975,181
76$11,117,411$2,016,827$972,904$9,760,709
77$12,152,056$2,016,321$906,165$10,623,279
78$13,289,106$2,012,661$834,062$11,570,695
79$14,538,908$2,005,594$756,316$12,611,559
80$15,912,860$1,994,852$672,636$13,755,348
81$17,423,522$1,980,149$582,719$15,012,509
82$19,084,728$1,961,184$486,248$16,394,553
83$20,911,724$1,937,636$382,891$17,914,165
84$22,921,305$1,909,165$272,303$19,585,329
85$25,131,975$1,875,411$154,122$21,423,451
86$27,564,124$1,835,994$27,972$23,445,513
87$30,240,215$1,790,508$0$25,670,229
88$33,185,002$1,738,527$0$28,125,051
89$36,425,755$1,679,598$0$30,828,236
90$39,992,526$1,613,242$0$33,803,068
91$43,918,424$1,538,952$0$37,077,182
92$48,239,934$1,456,191$0$40,681,034
93$52,997,255$1,364,393$0$44,648,183
94$58,234,685$1,262,957$0$49,015,617
95$64,001,030$1,151,250$0$53,824,094
96$70,350,075$1,028,601$0$59,118,532
97$77,341,082$894,301$0$64,948,430
98$85,039,354$747,603$0$71,368,340
99$93,516,847$587,716$0$78,438,379
100$102,852,855$413,803$0$86,224,797