Can I retire at age 52 with 1,350,000?

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 $1,350,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15%
1 years$111,482$110,489$109,520$108,574$107,651$105,434
2 years$55,189$54,161$53,165$52,199$51,262$49,039
3 years$36,427$35,395$34,401$33,445$32,523$30,363
4 years$27,048$26,019$25,035$24,095$23,196$21,115
5 years$21,422$20,399$19,428$18,507$17,633$15,638
6 years$17,673$16,657$15,701$14,800$13,952$12,044
7 years$14,996$13,989$13,048$12,168$11,347$9,527
8 years$12,989$11,991$11,065$10,208$9,413$7,681
9 years$11,429$10,440$9,531$8,695$7,927$6,281
10 years$10,181$9,203$8,309$7,495$6,755$5,193
11 years$9,161$8,193$7,315$6,523$5,809$4,330
12 years$8,312$7,353$6,492$5,721$5,034$3,635
13 years$7,594$6,645$5,800$5,051$4,390$3,069
14 years$6,979$6,040$5,211$4,484$3,848$2,603
15 years$6,446$5,518$4,705$3,999$3,388$2,216
16 years$5,981$5,063$4,266$3,580$2,994$1,892
17 years$5,571$4,662$3,882$3,217$2,655$1,620
18 years$5,206$4,308$3,544$2,899$2,361$1,390
19 years$4,881$3,993$3,244$2,620$2,104$1,195
20 years$4,588$3,710$2,977$2,373$1,880$1,029
21 years$4,324$3,456$2,738$2,153$1,682$887
22 years$4,084$3,226$2,524$1,958$1,508$766
23 years$3,865$3,017$2,330$1,783$1,353$662
24 years$3,665$2,827$2,155$1,626$1,216$572
25 years$3,481$2,653$1,996$1,485$1,095$495
26 years$3,311$2,493$1,851$1,358$986$429
27 years$3,154$2,347$1,719$1,243$889$372
28 years$3,009$2,211$1,598$1,139$802$322
29 years$2,874$2,086$1,487$1,044$724$280
30 years$2,748$1,970$1,385$958$654$243
31 years$2,631$1,862$1,291$880$592$210
32 years$2,521$1,762$1,205$809$535$183
33 years$2,418$1,669$1,125$744$484$159
34 years$2,321$1,582$1,051$684$439$138
35 years$2,230$1,500$983$630$397$120
36 years$2,144$1,424$919$580$360$104
37 years$2,063$1,352$861$535$326$90
38 years$1,987$1,285$806$493$296$78
39 years$1,914$1,222$755$454$268$68
40 years$1,846$1,163$708$419$243$59
41 years$1,781$1,107$664$387$221$52
42 years$1,719$1,054$622$357$200$45
43 years$1,660$1,004$584$329$182$39
44 years$1,604$957$548$304$165$34
45 years$1,551$913$515$281$150$29
46 years$1,500$871$484$259$136$26
47 years$1,451$831$454$240$123$22
48 years$1,405$793$427$222$112$19
49 years$1,361$758$401$205$102$17
50 years$1,318$724$377$189$92$15

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,350,000, adding $3,546 every year, while hoping to spend $20,773 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: 71/8/21 Blend
51$1,350,000$1,350,000$1,350,000$1,350,000
52$1,491,358$1,419,808$1,398,883$1,589,320
53$1,621,374$1,467,276$1,423,643$1,702,552
54$1,763,955$1,516,374$1,448,536$1,823,692
55$1,920,362$1,567,160$1,473,546$1,955,818
56$2,091,982$1,619,693$1,498,652$2,100,015
57$2,280,342$1,674,036$1,523,835$2,257,482
58$2,487,127$1,730,254$1,549,074$2,429,536
59$2,714,192$1,788,414$1,574,345$2,617,629
60$2,963,578$1,848,585$1,599,624$2,823,360
61$3,237,536$1,910,839$1,624,885$3,048,490
62$3,538,546$1,975,252$1,650,100$3,294,958
63$3,869,339$2,041,900$1,675,240$3,564,903
64$4,232,923$2,110,865$1,700,272$3,860,678
65$4,632,614$2,182,229$1,725,163$4,184,877
66$5,072,062$2,256,080$1,749,878$4,540,356
67$5,555,293$2,332,509$1,774,379$4,930,264
68$6,086,738$2,411,607$1,798,626$5,358,067
69$6,671,282$2,493,472$1,822,577$5,827,587
70$7,314,306$2,578,206$1,846,187$6,343,032
71$8,021,739$2,665,911$1,869,408$6,909,040
72$8,800,113$2,756,698$1,892,190$7,530,720
73$9,656,627$2,850,678$1,914,480$8,213,702
74$10,599,210$2,947,969$1,936,222$8,964,190
75$11,636,601$3,048,691$1,957,358$9,789,017
76$12,778,429$3,152,971$1,977,823$10,695,713
77$14,035,302$3,260,940$1,997,554$11,692,578
78$15,418,911$3,372,735$2,016,480$12,788,752
79$16,942,136$3,488,495$2,034,529$13,994,312
80$18,619,171$3,608,368$2,051,622$15,320,357
81$20,465,655$3,732,506$2,067,680$16,779,120
82$22,498,821$3,861,069$2,082,617$18,384,079
83$24,737,659$3,994,219$2,096,342$20,150,086
84$27,203,093$4,132,128$2,108,762$22,093,507
85$29,918,180$4,274,974$2,119,777$24,232,375
86$32,908,327$4,422,941$2,129,283$26,586,564
87$36,201,532$4,576,221$2,137,170$29,177,970
88$39,828,646$4,735,013$2,143,323$32,030,724
89$43,823,664$4,899,525$2,147,620$35,171,416
90$48,224,047$5,069,971$2,149,935$38,629,347
91$53,071,076$5,246,576$2,150,134$42,436,807
92$58,410,240$5,429,572$2,148,077$46,629,374
93$64,291,664$5,619,201$2,143,617$51,246,259
94$70,770,587$5,815,714$2,136,601$56,330,667
95$77,907,876$6,019,374$2,126,867$61,930,210
96$85,770,608$6,230,452$2,114,246$68,097,357
97$94,432,697$6,449,230$2,098,559$74,889,924
98$103,975,593$6,676,004$2,079,622$82,371,625
99$114,489,054$6,911,078$2,057,240$90,612,671
100$126,071,988$7,154,772$2,031,208$99,690,433