Can I retire at age 52 with 1,400,000?

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 $1,400,000?

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$115,611$114,581$113,576$112,596$111,638$109,250
2 years$57,233$56,167$55,134$54,132$53,161$50,767
3 years$37,776$36,706$35,675$34,683$33,727$31,402
4 years$28,050$26,983$25,963$24,987$24,055$21,815
5 years$22,216$21,155$20,148$19,193$18,286$16,139
6 years$18,327$17,274$16,283$15,349$14,469$12,418
7 years$15,551$14,507$13,531$12,619$11,767$9,811
8 years$13,470$12,435$11,475$10,586$9,762$7,901
9 years$11,852$10,827$9,884$9,017$8,221$6,453
10 years$10,558$9,544$8,617$7,772$7,005$5,328
11 years$9,501$8,496$7,586$6,764$6,024$4,438
12 years$8,620$7,626$6,732$5,933$5,221$3,721
13 years$7,875$6,891$6,015$5,238$4,552$3,137
14 years$7,237$6,264$5,405$4,650$3,991$2,657
15 years$6,685$5,722$4,880$4,147$3,514$2,259
16 years$6,203$5,250$4,424$3,713$3,105$1,926
17 years$5,777$4,835$4,026$3,336$2,753$1,647
18 years$5,399$4,468$3,675$3,007$2,448$1,411
19 years$5,062$4,141$3,364$2,717$2,182$1,211
20 years$4,758$3,848$3,088$2,460$1,949$1,041
21 years$4,484$3,584$2,840$2,233$1,744$897
22 years$4,235$3,346$2,617$2,030$1,563$773
23 years$4,008$3,129$2,417$1,849$1,403$667
24 years$3,800$2,932$2,235$1,686$1,261$576
25 years$3,609$2,751$2,070$1,540$1,135$497
26 years$3,434$2,586$1,920$1,408$1,022$430
27 years$3,271$2,434$1,783$1,289$922$372
28 years$3,120$2,293$1,657$1,181$832$322
29 years$2,980$2,163$1,542$1,083$751$279
30 years$2,850$2,043$1,437$994$679$242
31 years$2,728$1,931$1,339$913$614$209
32 years$2,614$1,827$1,250$839$555$181
33 years$2,507$1,731$1,167$771$502$157
34 years$2,407$1,640$1,090$710$455$136
35 years$2,312$1,556$1,019$653$412$118
36 years$2,224$1,477$953$602$373$102
37 years$2,140$1,402$892$554$338$89
38 years$2,060$1,333$836$511$307$77
39 years$1,985$1,267$783$471$278$67
40 years$1,914$1,206$734$435$252$58
41 years$1,847$1,148$688$401$229$50
42 years$1,782$1,093$646$370$208$44
43 years$1,721$1,042$606$342$188$38
44 years$1,663$993$569$315$171$33
45 years$1,608$947$534$291$155$29
46 years$1,555$903$501$269$141$25
47 years$1,505$862$471$249$128$22
48 years$1,457$823$443$230$116$19
49 years$1,411$786$416$212$106$16
50 years$1,367$751$391$196$96$14

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,400,000, adding $2,319 every year, while hoping to spend $22,613 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: 66/9/25 Blend
51$1,400,000$1,400,000$1,400,000$1,400,000
52$1,545,192$1,470,992$1,449,292$1,636,995
53$1,678,742$1,519,011$1,473,783$1,747,108
54$1,825,155$1,568,624$1,498,337$1,864,687
55$1,985,721$1,619,887$1,522,932$1,992,727
56$2,161,859$1,672,855$1,547,544$2,132,259
57$2,355,131$1,727,587$1,572,149$2,284,421
58$2,567,258$1,784,143$1,596,720$2,450,462
59$2,800,137$1,842,585$1,621,229$2,631,761
60$3,055,858$1,902,978$1,645,646$2,829,835
61$3,336,720$1,965,389$1,669,940$3,046,356
62$3,645,258$2,029,886$1,694,076$3,283,166
63$3,984,266$2,096,542$1,718,019$3,542,292
64$4,356,819$2,165,430$1,741,730$3,825,970
65$4,766,306$2,236,628$1,765,170$4,136,662
66$5,216,462$2,310,215$1,788,296$4,477,080
67$5,711,399$2,386,273$1,811,061$4,850,211
68$6,255,649$2,464,889$1,833,420$5,259,348
69$6,854,207$2,546,150$1,855,321$5,708,118
70$7,512,572$2,630,147$1,876,710$6,200,516
71$8,236,807$2,716,977$1,897,532$6,740,947
72$9,033,589$2,806,736$1,917,727$7,334,261
73$9,910,276$2,899,528$1,937,233$7,985,803
74$10,874,977$2,995,457$1,955,982$8,701,463
75$11,936,623$3,094,633$1,973,906$9,487,730
76$13,105,057$3,197,169$1,990,931$10,351,755
77$14,391,126$3,303,183$2,006,980$11,301,418
78$15,806,778$3,412,796$2,021,971$12,345,399
79$17,365,180$3,526,134$2,035,818$13,493,267
80$19,080,843$3,643,329$2,048,432$14,755,562
81$20,969,752$3,764,515$2,059,718$16,143,900
82$23,049,523$3,889,833$2,069,575$17,671,083
83$25,339,569$4,019,429$2,077,900$19,351,213
84$27,861,277$4,153,453$2,084,581$21,199,836
85$30,638,217$4,292,062$2,089,505$23,234,077
86$33,696,360$4,435,418$2,092,548$25,472,810
87$37,064,325$4,583,690$2,093,585$27,936,834
88$40,773,647$4,737,051$2,092,481$30,649,065
89$44,859,076$4,895,684$2,089,096$33,634,761
90$49,358,903$5,059,774$2,083,282$36,921,751
91$54,315,326$5,229,517$2,074,886$40,540,703
92$59,774,840$5,405,115$2,063,747$44,525,415
93$65,788,685$5,586,776$2,049,693$48,913,127
94$72,413,321$5,774,719$2,032,548$53,744,882
95$79,710,968$5,969,168$2,012,126$59,065,904
96$87,750,186$6,170,356$1,988,232$64,926,032
97$96,606,528$6,378,527$1,960,661$71,380,187
98$106,363,251$6,593,932$1,929,200$78,488,891
99$117,112,099$6,816,832$1,893,625$86,318,841
100$128,954,174$7,047,497$1,853,702$94,943,534