Can I retire at age 52 with 1,390,000?

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 $1,390,000?

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$114,785$113,762$112,765$111,791$110,841$108,470
2 years$56,824$55,766$54,740$53,746$52,781$50,404
3 years$37,507$36,444$35,421$34,435$33,487$31,177
4 years$27,850$26,790$25,777$24,809$23,883$21,660
5 years$22,057$21,004$20,004$19,056$18,155$16,024
6 years$18,196$17,151$16,166$15,239$14,366$12,329
7 years$15,440$14,403$13,434$12,529$11,683$9,741
8 years$13,374$12,346$11,393$10,510$9,692$7,844
9 years$11,767$10,750$9,813$8,952$8,162$6,407
10 years$10,483$9,475$8,555$7,717$6,955$5,290
11 years$9,433$8,435$7,532$6,716$5,981$4,406
12 years$8,558$7,571$6,684$5,891$5,183$3,694
13 years$7,819$6,842$5,972$5,201$4,520$3,115
14 years$7,186$6,219$5,366$4,617$3,962$2,638
15 years$6,637$5,681$4,845$4,117$3,489$2,243
16 years$6,158$5,213$4,392$3,687$3,083$1,912
17 years$5,736$4,801$3,997$3,312$2,734$1,635
18 years$5,361$4,436$3,649$2,985$2,431$1,401
19 years$5,025$4,111$3,340$2,697$2,167$1,203
20 years$4,724$3,820$3,065$2,443$1,935$1,034
21 years$4,452$3,559$2,820$2,217$1,732$890
22 years$4,205$3,322$2,599$2,016$1,552$767
23 years$3,979$3,107$2,399$1,836$1,393$662
24 years$3,773$2,911$2,219$1,674$1,252$572
25 years$3,584$2,732$2,055$1,529$1,127$494
26 years$3,409$2,567$1,906$1,398$1,015$427
27 years$3,248$2,416$1,770$1,280$915$369
28 years$3,098$2,277$1,646$1,173$826$320
29 years$2,959$2,148$1,531$1,075$746$277
30 years$2,829$2,028$1,426$987$674$240
31 years$2,709$1,918$1,330$906$609$208
32 years$2,595$1,814$1,241$833$551$180
33 years$2,489$1,718$1,158$766$499$156
34 years$2,390$1,628$1,082$705$452$135
35 years$2,296$1,545$1,012$649$409$117
36 years$2,208$1,466$947$597$371$102
37 years$2,124$1,392$886$551$336$88
38 years$2,046$1,323$830$507$304$77
39 years$1,971$1,258$777$468$276$66
40 years$1,900$1,197$729$432$250$58
41 years$1,833$1,140$683$398$227$50
42 years$1,770$1,085$641$367$206$43
43 years$1,709$1,034$601$339$187$38
44 years$1,652$986$565$313$170$33
45 years$1,597$940$530$289$154$28
46 years$1,544$897$498$267$140$25
47 years$1,494$856$468$247$127$21
48 years$1,447$817$440$228$115$19
49 years$1,401$780$413$211$105$16
50 years$1,357$745$388$195$95$14

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,390,000, adding $5,406 every year, while hoping to spend $34,456 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: 49/28/23 Blend
51$1,390,000$1,390,000$1,390,000$1,390,000
52$1,537,356$1,463,686$1,442,141$1,602,462
53$1,657,506$1,498,746$1,453,792$1,683,423
54$1,788,756$1,534,369$1,464,678$1,767,429
55$1,932,202$1,570,546$1,474,738$1,857,989
56$2,089,051$1,607,267$1,483,906$1,955,737
57$2,260,631$1,644,520$1,492,114$2,061,370
58$2,448,405$1,682,291$1,499,289$2,175,658
59$2,653,983$1,720,564$1,505,357$2,299,446
60$2,879,139$1,759,322$1,510,236$2,433,669
61$3,125,827$1,798,544$1,513,844$2,579,356
62$3,396,196$1,838,208$1,516,093$2,737,640
63$3,692,617$1,878,289$1,516,891$2,909,772
64$4,017,698$1,918,759$1,516,141$3,097,130
65$4,374,312$1,959,587$1,513,741$3,301,233
66$4,765,626$2,000,741$1,509,585$3,523,754
67$5,195,126$2,042,183$1,503,562$3,766,539
68$5,666,651$2,083,873$1,495,554$4,031,623
69$6,184,434$2,125,767$1,485,440$4,321,247
70$6,753,133$2,167,817$1,473,089$4,637,884
71$7,377,884$2,209,971$1,458,368$4,984,259
72$8,064,341$2,252,172$1,441,136$5,363,375
73$8,818,734$2,294,359$1,421,245$5,778,544
74$9,647,929$2,336,466$1,398,540$6,233,416
75$10,559,486$2,378,422$1,372,860$6,732,016
76$11,561,737$2,420,148$1,344,035$7,278,779
77$12,663,861$2,461,563$1,311,887$7,878,595
78$13,875,971$2,502,575$1,276,231$8,536,854
79$15,209,209$2,543,090$1,236,874$9,259,499
80$16,675,851$2,583,004$1,193,611$10,053,081
81$18,289,422$2,622,205$1,146,231$10,924,819
82$20,064,825$2,660,575$1,094,512$11,882,674
83$22,018,480$2,697,987$1,038,221$12,935,420
84$24,168,480$2,734,303$977,117$14,092,728
85$26,534,760$2,769,379$910,945$15,365,260
86$29,139,285$2,803,058$839,441$16,764,770
87$32,006,258$2,835,173$762,329$18,304,210
88$35,162,347$2,865,548$679,317$19,997,861
89$38,636,938$2,893,991$590,106$21,861,463
90$42,462,410$2,920,301$494,379$23,912,367
91$46,674,443$2,944,263$391,807$26,169,696
92$51,312,349$2,965,645$282,047$28,654,530
93$56,419,452$2,984,205$164,738$31,390,106
94$62,043,486$2,999,681$39,507$34,402,035
95$68,237,053$3,011,796$0$37,718,545
96$75,058,115$3,020,257$0$41,393,856
97$82,570,544$3,024,751$0$45,451,008
98$90,844,720$3,024,944$0$49,918,203
99$99,958,199$3,020,484$0$54,837,214
100$109,996,444$3,010,996$0$60,254,079