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%16.9%
1 years$120,565$119,492$118,444$117,421$116,422$113,149
2 years$59,686$58,574$57,497$56,452$55,439$52,167
3 years$39,395$38,279$37,204$36,170$35,173$32,003
4 years$29,252$28,139$27,075$26,058$25,086$22,043
5 years$23,168$22,061$21,011$20,015$19,070$16,163
6 years$19,113$18,015$16,980$16,006$15,089$12,321
7 years$16,217$15,129$14,111$13,160$12,272$9,641
8 years$14,047$12,968$11,967$11,039$10,180$7,687
9 years$12,360$11,291$10,307$9,403$8,573$6,215
10 years$11,011$9,953$8,986$8,106$7,305$5,078
11 years$9,908$8,860$7,911$7,054$6,283$4,183
12 years$8,989$7,952$7,021$6,188$5,444$3,469
13 years$8,213$7,187$6,273$5,463$4,748$2,891
14 years$7,548$6,532$5,636$4,849$4,162$2,420
15 years$6,972$5,968$5,089$4,325$3,664$2,033
16 years$6,468$5,475$4,614$3,872$3,238$1,713
17 years$6,025$5,042$4,198$3,479$2,871$1,447
18 years$5,631$4,659$3,832$3,135$2,553$1,224
19 years$5,279$4,318$3,508$2,833$2,276$1,038
20 years$4,962$4,013$3,220$2,566$2,033$881
21 years$4,676$3,738$2,962$2,329$1,819$748
22 years$4,416$3,489$2,730$2,117$1,631$637
23 years$4,180$3,263$2,520$1,928$1,464$542
24 years$3,963$3,057$2,331$1,759$1,316$462
25 years$3,764$2,869$2,159$1,606$1,184$394
26 years$3,581$2,697$2,002$1,469$1,066$336
27 years$3,411$2,538$1,859$1,344$961$286
28 years$3,254$2,391$1,728$1,232$867$244
29 years$3,108$2,256$1,608$1,129$783$209
30 years$2,972$2,131$1,498$1,037$708$178
31 years$2,845$2,014$1,397$952$640$152
32 years$2,726$1,906$1,303$875$579$130
33 years$2,615$1,805$1,217$805$524$111
34 years$2,510$1,710$1,137$740$474$95
35 years$2,412$1,622$1,063$681$430$81
36 years$2,319$1,540$994$628$389$69
37 years$2,231$1,463$931$578$353$59
38 years$2,149$1,390$872$533$320$51
39 years$2,070$1,322$817$491$290$43
40 years$1,996$1,257$765$453$263$37
41 years$1,926$1,197$718$418$239$32
42 years$1,859$1,140$673$386$217$27
43 years$1,795$1,086$632$356$197$23
44 years$1,735$1,035$593$329$178$20
45 years$1,677$987$557$304$162$17
46 years$1,622$942$523$281$147$15
47 years$1,570$899$491$259$134$12
48 years$1,519$858$462$240$121$11
49 years$1,471$819$434$221$110$9
50 years$1,425$783$408$205$100$8

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 $2,654 every year, while hoping to spend $56,275 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: 68/16/16 Blend
51$1,460,000$1,460,000$1,460,000$1,460,000
52$1,611,658$1,534,278$1,511,648$1,714,965
53$1,716,171$1,549,581$1,502,412$1,799,493
54$1,829,458$1,563,748$1,490,980$1,885,029
55$1,952,355$1,576,664$1,477,220$1,977,177
56$2,085,780$1,588,206$1,460,993$2,076,580
57$2,230,745$1,598,244$1,442,151$2,183,951
58$2,388,361$1,606,638$1,420,543$2,300,074
59$2,559,852$1,613,241$1,396,009$2,425,816
60$2,746,563$1,617,895$1,368,382$2,562,129
61$2,949,975$1,620,435$1,337,485$2,710,069
62$3,171,717$1,620,681$1,303,136$2,870,795
63$3,413,584$1,618,447$1,265,143$3,045,588
64$3,677,550$1,613,530$1,223,305$3,235,863
65$3,965,787$1,605,720$1,177,413$3,443,175
66$4,280,688$1,594,791$1,127,247$3,669,246
67$4,624,886$1,580,504$1,072,577$3,915,969
68$5,001,280$1,562,605$1,013,165$4,185,435
69$5,413,064$1,540,825$948,759$4,479,952
70$5,863,751$1,514,881$879,097$4,802,061
71$6,357,213$1,484,469$803,906$5,154,567
72$6,897,712$1,449,271$722,900$5,540,565
73$7,489,942$1,408,949$635,781$5,963,465
74$8,139,072$1,363,143$542,235$6,427,031
75$8,850,796$1,311,476$441,939$6,935,410
76$9,631,384$1,253,545$334,551$7,493,179
77$10,487,743$1,188,927$219,716$8,105,383
78$11,427,481$1,117,172$97,064$8,777,587
79$12,458,976$1,037,806$0$9,515,928
80$13,591,459$950,326$0$10,332,945
81$14,835,098$854,202$0$11,248,384
82$16,201,094$748,874$0$12,253,956
83$17,701,785$633,748$0$13,358,807
84$19,350,764$508,199$0$14,573,018
85$21,163,006$371,564$0$15,907,698
86$23,155,008$223,147$0$17,375,093
87$25,344,946$62,208$0$18,988,698
88$27,752,843$0$0$20,763,388
89$30,400,762$0$0$22,735,280
90$33,313,007$0$0$24,916,156
91$36,516,360$0$0$27,315,132
92$40,040,326$0$0$29,954,314
93$43,917,414$0$0$32,858,064
94$48,183,443$0$0$36,053,222
95$52,877,881$0$0$39,569,360
96$58,044,213$0$0$43,439,063
97$63,730,354$0$0$47,698,236
98$69,989,099$0$0$52,386,438
99$76,878,620$0$0$57,547,261
100$84,463,017$0$0$63,228,736