Can I retire at age 52 with 1,440,000?

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 $1,440,000?

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$118,914$117,855$116,821$115,813$114,828$112,694
2 years$58,868$57,772$56,709$55,679$54,680$52,538
3 years$38,856$37,755$36,695$35,674$34,691$32,608
4 years$28,851$27,754$26,704$25,701$24,742$22,734
5 years$22,850$21,759$20,724$19,741$18,808$16,881
6 years$18,851$17,768$16,748$15,787$14,883$13,037
7 years$15,995$14,922$13,917$12,979$12,103$10,341
8 years$13,855$12,791$11,803$10,888$10,041$8,362
9 years$12,191$11,136$10,166$9,274$8,456$6,858
10 years$10,860$9,816$8,863$7,994$7,205$5,688
11 years$9,772$8,739$7,803$6,958$6,196$4,758
12 years$8,866$7,843$6,925$6,103$5,370$4,007
13 years$8,100$7,088$6,187$5,388$4,683$3,394
14 years$7,444$6,443$5,559$4,783$4,105$2,889
15 years$6,876$5,886$5,019$4,265$3,614$2,468
16 years$6,380$5,400$4,550$3,819$3,194$2,115
17 years$5,942$4,973$4,141$3,431$2,832$1,817
18 years$5,554$4,596$3,780$3,092$2,518$1,565
19 years$5,206$4,259$3,460$2,794$2,245$1,350
20 years$4,894$3,958$3,176$2,531$2,005$1,167
21 years$4,612$3,687$2,921$2,297$1,794$1,010
22 years$4,356$3,441$2,692$2,088$1,608$875
23 years$4,123$3,218$2,486$1,902$1,444$759
24 years$3,909$3,016$2,299$1,735$1,298$659
25 years$3,713$2,830$2,129$1,584$1,168$573
26 years$3,532$2,660$1,975$1,448$1,052$498
27 years$3,364$2,503$1,834$1,326$948$433
28 years$3,209$2,359$1,705$1,215$856$377
29 years$3,065$2,225$1,586$1,114$773$329
30 years$2,931$2,101$1,478$1,022$698$286
31 years$2,806$1,986$1,378$939$631$249
32 years$2,689$1,880$1,285$863$571$217
33 years$2,579$1,780$1,200$794$517$190
34 years$2,476$1,687$1,121$730$468$165
35 years$2,379$1,600$1,048$672$424$144
36 years$2,287$1,519$981$619$384$126
37 years$2,201$1,442$918$570$348$110
38 years$2,119$1,371$860$526$315$96
39 years$2,042$1,304$805$485$286$84
40 years$1,969$1,240$755$447$259$73
41 years$1,899$1,181$708$412$235$64
42 years$1,833$1,124$664$381$214$56
43 years$1,771$1,071$623$351$194$49
44 years$1,711$1,021$585$324$176$42
45 years$1,654$974$549$300$160$37
46 years$1,600$929$516$277$145$32
47 years$1,548$886$485$256$132$28
48 years$1,499$846$455$236$120$25
49 years$1,451$808$428$218$109$21
50 years$1,406$772$402$202$99$19

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,440,000, adding $3,040 every year, while hoping to spend $21,031 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: 65/17/18 Blend
51$1,440,000$1,440,000$1,440,000$1,440,000
52$1,590,016$1,513,696$1,491,376$1,686,053
53$1,729,821$1,565,490$1,518,960$1,802,621
54$1,883,181$1,619,117$1,546,763$1,927,266
55$2,051,456$1,674,645$1,574,771$2,062,973
56$2,236,146$1,732,144$1,602,967$2,210,826
57$2,438,901$1,791,687$1,631,334$2,372,016
58$2,661,538$1,853,349$1,659,854$2,547,858
59$2,906,062$1,917,210$1,688,506$2,739,795
60$3,174,677$1,983,351$1,717,268$2,949,418
61$3,469,816$2,051,857$1,746,118$3,178,481
62$3,794,156$2,122,816$1,775,032$3,428,911
63$4,150,646$2,196,321$1,803,982$3,702,834
64$4,542,538$2,272,466$1,832,941$4,002,589
65$4,973,411$2,351,351$1,861,878$4,330,754
66$5,447,210$2,433,078$1,890,762$4,690,167
67$5,968,282$2,517,755$1,919,559$5,083,953
68$6,541,415$2,605,494$1,948,233$5,515,557
69$7,171,885$2,696,409$1,976,744$5,988,770
70$7,865,505$2,790,621$2,005,054$6,507,771
71$8,628,681$2,888,255$2,033,117$7,077,161
72$9,468,468$2,989,442$2,060,888$7,702,011
73$10,392,643$3,094,316$2,088,319$8,387,906
74$11,409,773$3,203,018$2,115,359$9,140,997
75$12,529,299$3,315,695$2,141,952$9,968,063
76$13,761,622$3,432,498$2,168,042$10,876,571
77$15,118,203$3,553,586$2,193,567$11,874,749
78$16,611,672$3,679,124$2,218,463$12,971,659
79$18,255,944$3,809,282$2,242,663$14,177,287
80$20,066,353$3,944,240$2,266,095$15,502,636
81$22,059,795$4,084,182$2,288,684$16,959,828
82$24,254,889$4,229,301$2,310,349$18,562,219
83$26,672,149$4,379,799$2,331,008$20,324,524
84$29,334,183$4,535,884$2,350,571$22,262,957
85$32,265,900$4,697,773$2,368,946$24,395,383
86$35,494,752$4,865,693$2,386,035$26,741,487
87$39,050,984$5,039,880$2,401,735$29,322,958
88$42,967,929$5,220,579$2,415,938$32,163,695
89$47,282,316$5,408,045$2,428,529$35,290,031
90$52,034,616$5,602,544$2,439,390$38,730,983
91$57,269,431$5,804,352$2,448,394$42,518,524
92$63,035,907$6,013,759$2,455,408$46,687,884
93$69,388,200$6,231,064$2,460,295$51,277,883
94$76,385,991$6,456,580$2,462,909$56,331,299
95$84,095,042$6,690,633$2,463,096$61,895,269
96$92,587,823$6,933,560$2,460,697$68,021,732
97$101,944,192$7,185,717$2,455,542$74,767,923
98$112,252,153$7,447,470$2,447,456$82,196,912
99$123,608,680$7,719,203$2,436,253$90,378,196
100$136,120,637$8,001,315$2,421,738$99,388,356