Can I retire at age 52 with 1,430,000?

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 $1,430,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.5%
1 years$118,088$117,036$116,010$115,008$114,030$111,911
2 years$58,459$57,371$56,316$55,292$54,300$52,173
3 years$38,586$37,492$36,440$35,426$34,450$32,381
4 years$28,651$27,561$26,519$25,523$24,570$22,576
5 years$22,692$21,608$20,580$19,604$18,678$16,763
6 years$18,720$17,645$16,631$15,677$14,779$12,947
7 years$15,884$14,818$13,821$12,889$12,019$10,270
8 years$13,758$12,702$11,721$10,812$9,971$8,304
9 years$12,106$11,059$10,095$9,210$8,397$6,811
10 years$10,785$9,748$8,801$7,939$7,155$5,648
11 years$9,704$8,678$7,749$6,909$6,153$4,725
12 years$8,805$7,789$6,877$6,060$5,332$3,979
13 years$8,044$7,039$6,144$5,350$4,650$3,371
14 years$7,393$6,398$5,520$4,749$4,076$2,869
15 years$6,828$5,845$4,984$4,236$3,589$2,450
16 years$6,335$5,363$4,519$3,793$3,172$2,100
17 years$5,901$4,939$4,112$3,408$2,812$1,804
18 years$5,515$4,564$3,754$3,071$2,501$1,554
19 years$5,170$4,230$3,436$2,775$2,229$1,341
20 years$4,860$3,930$3,154$2,513$1,991$1,159
21 years$4,580$3,661$2,901$2,281$1,782$1,003
22 years$4,326$3,417$2,674$2,074$1,597$869
23 years$4,094$3,196$2,469$1,889$1,434$754
24 years$3,882$2,995$2,283$1,723$1,289$655
25 years$3,687$2,810$2,114$1,573$1,159$569
26 years$3,507$2,641$1,961$1,438$1,044$495
27 years$3,341$2,486$1,821$1,317$942$430
28 years$3,187$2,342$1,693$1,206$850$375
29 years$3,044$2,210$1,575$1,106$767$326
30 years$2,911$2,087$1,467$1,015$693$284
31 years$2,786$1,973$1,368$932$627$248
32 years$2,670$1,867$1,276$857$567$216
33 years$2,561$1,768$1,192$788$513$188
34 years$2,458$1,675$1,114$725$465$164
35 years$2,362$1,589$1,041$667$421$143
36 years$2,271$1,508$974$615$381$125
37 years$2,185$1,432$912$566$346$109
38 years$2,104$1,361$854$522$313$95
39 years$2,028$1,295$800$481$284$83
40 years$1,955$1,232$750$444$258$72
41 years$1,886$1,172$703$410$234$63
42 years$1,821$1,117$659$378$212$55
43 years$1,758$1,064$619$349$192$48
44 years$1,699$1,014$581$322$175$42
45 years$1,643$967$545$298$159$37
46 years$1,589$922$512$275$144$32
47 years$1,537$880$481$254$131$28
48 years$1,488$840$452$235$119$24
49 years$1,441$803$425$217$108$21
50 years$1,396$767$400$200$98$19

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,430,000, adding $4,661 every year, while hoping to spend $31,143 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: 48/29/23 Blend
51$1,430,000$1,430,000$1,430,000$1,430,000
52$1,580,668$1,504,878$1,482,713$1,646,016
53$1,708,760$1,545,481$1,499,248$1,732,744
54$1,848,874$1,587,030$1,515,293$1,823,386
55$2,002,203$1,629,538$1,530,799$1,921,184
56$2,170,060$1,673,018$1,545,714$2,026,825
57$2,353,894$1,717,484$1,559,983$2,141,066
58$2,555,297$1,762,946$1,573,548$2,264,739
59$2,776,024$1,809,418$1,586,349$2,398,761
60$3,018,009$1,856,909$1,598,321$2,544,143
61$3,283,378$1,905,430$1,609,398$2,701,999
62$3,574,478$1,954,992$1,619,508$2,873,554
63$3,893,890$2,005,601$1,628,577$3,060,160
64$4,244,459$2,057,268$1,636,526$3,263,304
65$4,629,318$2,109,998$1,643,273$3,484,628
66$5,051,918$2,163,797$1,648,733$3,725,938
67$5,516,061$2,218,671$1,652,812$3,989,224
68$6,025,935$2,274,622$1,655,418$4,276,682
69$6,586,154$2,331,652$1,656,448$4,590,727
70$7,201,801$2,389,763$1,655,799$4,934,025
71$7,878,476$2,448,952$1,653,359$5,309,511
72$8,622,348$2,509,218$1,649,014$5,720,419
73$9,440,213$2,570,555$1,642,641$6,170,314
74$10,339,559$2,632,957$1,634,114$6,663,126
75$11,328,637$2,696,414$1,623,299$7,203,184
76$12,416,535$2,760,916$1,610,057$7,795,260
77$13,613,269$2,826,448$1,594,242$8,444,611
78$14,929,873$2,892,994$1,575,699$9,157,034
79$16,378,503$2,960,535$1,554,269$9,938,915
80$17,972,557$3,029,047$1,529,783$10,797,293
81$19,726,792$3,098,504$1,502,065$11,739,925
82$21,657,472$3,168,878$1,470,931$12,775,361
83$23,782,515$3,240,135$1,436,189$13,913,025
84$26,121,667$3,312,236$1,397,636$15,163,299
85$28,696,681$3,385,140$1,355,061$16,537,631
86$31,531,532$3,458,801$1,308,245$18,048,633
87$34,652,632$3,533,166$1,256,955$19,710,207
88$38,089,089$3,608,180$1,200,951$21,537,674
89$41,872,973$3,683,778$1,139,980$23,547,922
90$46,039,626$3,759,893$1,073,779$25,759,559
91$50,627,989$3,836,449$1,002,072$28,193,096
92$55,680,973$3,913,364$924,571$30,871,140
93$61,245,863$3,990,550$840,975$33,818,601
94$67,374,763$4,067,908$750,969$37,062,938
95$74,125,088$4,145,335$654,226$40,634,412
96$81,560,107$4,222,716$550,402$44,566,372
97$89,749,536$4,299,927$439,139$48,895,574
98$98,770,202$4,376,837$320,063$53,662,526
99$108,706,761$4,453,300$192,784$58,911,873
100$119,652,502$4,529,163$56,893$64,692,817