Can I retire at age 52 with 1,380,000?

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 $1,380,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.8%
1 years$113,959$112,944$111,954$110,987$110,043$106,563
2 years$56,415$55,365$54,346$53,359$52,401$48,927
3 years$37,237$36,181$35,166$34,188$33,246$29,886
4 years$27,649$26,597$25,592$24,630$23,711$20,491
5 years$21,898$20,853$19,860$18,918$18,025$14,954
6 years$18,065$17,028$16,050$15,129$14,262$11,343
7 years$15,329$14,300$13,338$12,439$11,599$8,831
8 years$13,277$12,258$11,311$10,434$9,623$7,004
9 years$11,683$10,672$9,742$8,888$8,104$5,631
10 years$10,407$9,407$8,494$7,661$6,905$4,575
11 years$9,365$8,375$7,478$6,668$5,938$3,747
12 years$8,497$7,517$6,636$5,848$5,146$3,089
13 years$7,763$6,793$5,929$5,163$4,487$2,559
14 years$7,134$6,175$5,327$4,583$3,934$2,129
15 years$6,590$5,641$4,810$4,088$3,463$1,777
16 years$6,114$5,175$4,361$3,660$3,061$1,488
17 years$5,695$4,766$3,968$3,288$2,714$1,248
18 years$5,322$4,404$3,622$2,964$2,413$1,049
19 years$4,989$4,082$3,316$2,678$2,151$883
20 years$4,690$3,793$3,043$2,425$1,921$744
21 years$4,420$3,533$2,799$2,201$1,719$628
22 years$4,174$3,298$2,580$2,001$1,541$531
23 years$3,951$3,084$2,382$1,823$1,383$449
24 years$3,746$2,890$2,203$1,662$1,243$379
25 years$3,558$2,712$2,041$1,518$1,119$321
26 years$3,384$2,549$1,893$1,388$1,008$272
27 years$3,224$2,399$1,757$1,271$909$230
28 years$3,076$2,260$1,634$1,164$820$195
29 years$2,938$2,132$1,520$1,068$740$165
30 years$2,809$2,014$1,416$980$669$140
31 years$2,689$1,904$1,320$900$605$119
32 years$2,577$1,801$1,232$827$547$101
33 years$2,471$1,706$1,150$760$495$86
34 years$2,372$1,617$1,075$700$448$73
35 years$2,279$1,533$1,005$644$406$62
36 years$2,192$1,455$940$593$368$52
37 years$2,109$1,382$880$547$333$44
38 years$2,031$1,314$824$504$302$38
39 years$1,957$1,249$772$464$274$32
40 years$1,887$1,189$723$428$249$27
41 years$1,820$1,131$678$395$226$23
42 years$1,757$1,078$636$365$205$20
43 years$1,697$1,027$597$337$186$17
44 years$1,640$979$560$311$169$14
45 years$1,585$933$526$287$153$12
46 years$1,533$890$494$265$139$10
47 years$1,484$850$464$245$126$9
48 years$1,436$811$436$226$115$7
49 years$1,391$774$410$209$104$6
50 years$1,347$740$386$193$95$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,380,000, adding $2,767 every year, while hoping to spend $32,915 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: 72/6/22 Blend
51$1,380,000$1,380,000$1,380,000$1,380,000
52$1,523,614$1,450,474$1,429,084$1,624,881
53$1,644,001$1,486,526$1,441,937$1,728,765
54$1,775,565$1,523,241$1,454,118$1,838,325
55$1,919,410$1,560,618$1,465,568$1,957,509
56$2,076,754$1,598,652$1,476,229$2,087,268
57$2,248,936$1,637,339$1,486,035$2,228,650
58$2,437,432$1,676,673$1,494,922$2,382,811
59$2,643,866$1,716,646$1,502,818$2,551,023
60$2,870,027$1,757,249$1,509,649$2,734,689
61$3,117,887$1,798,470$1,515,339$2,935,353
62$3,389,614$1,840,298$1,519,806$3,154,719
63$3,687,599$1,882,717$1,522,963$3,394,662
64$4,014,474$1,925,710$1,524,723$3,657,250
65$4,373,139$1,969,258$1,524,989$3,944,761
66$4,766,787$2,013,340$1,523,664$4,259,704
67$5,198,936$2,057,930$1,520,644$4,604,846
68$5,673,461$2,103,003$1,515,819$4,983,236
69$6,194,631$2,148,527$1,509,076$5,398,233
70$6,767,149$2,194,470$1,500,296$5,853,538
71$7,396,194$2,240,795$1,489,352$6,353,232
72$8,087,475$2,287,463$1,476,113$6,901,810
73$8,847,277$2,334,428$1,460,443$7,504,227
74$9,682,527$2,381,643$1,442,196$8,165,943
75$10,600,857$2,429,056$1,421,222$8,892,975
76$11,610,675$2,476,610$1,397,363$9,691,955
77$12,721,242$2,524,242$1,370,453$10,570,192
78$13,942,765$2,571,886$1,340,319$11,535,739
79$15,286,488$2,619,470$1,306,781$12,597,472
80$16,764,800$2,666,914$1,269,648$13,765,174
81$18,391,351$2,714,134$1,228,723$15,049,625
82$20,181,181$2,761,039$1,183,798$16,462,706
83$22,150,862$2,807,531$1,134,656$18,017,510
84$24,318,654$2,853,504$1,081,070$19,728,466
85$26,704,675$2,898,844$1,022,804$21,611,478
86$29,331,094$2,943,429$959,610$23,684,071
87$32,222,337$2,987,129$891,229$25,965,559
88$35,405,321$3,029,804$817,391$28,477,229
89$38,909,703$3,071,304$737,813$31,242,537
90$42,768,163$3,111,467$652,200$34,287,338
91$47,016,710$3,150,124$560,243$37,640,121
92$51,695,024$3,187,090$461,621$41,332,286
93$56,846,829$3,222,169$355,997$45,398,435
94$62,520,303$3,255,153$243,020$49,876,704
95$68,768,537$3,285,818$122,325$54,809,120
96$75,650,032$3,313,928$0$60,241,999
97$83,229,254$3,339,229$0$66,227,903
98$91,577,239$3,361,452$0$72,852,306
99$100,772,264$3,380,310$0$80,148,554
100$110,900,586$3,395,497$0$88,185,067