Can I retire at age 52 with 1,200,000?

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 $1,200,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.9%
1 years$99,095$98,212$97,351$96,510$95,690$91,893
2 years$49,057$48,143$47,258$46,399$45,567$41,789
3 years$32,380$31,462$30,579$29,728$28,909$25,269
4 years$24,043$23,128$22,254$21,418$20,618$17,143
5 years$19,042$18,133$17,270$16,451$15,674$12,373
6 years$15,709$14,807$13,956$13,156$12,402$9,277
7 years$13,329$12,435$11,598$10,816$10,086$7,137
8 years$11,546$10,659$9,836$9,073$8,367$5,590
9 years$10,159$9,280$8,472$7,729$7,047$4,437
10 years$9,050$8,180$7,386$6,662$6,004$3,557
11 years$8,143$7,282$6,502$5,798$5,164$2,874
12 years$7,388$6,536$5,771$5,086$4,475$2,336
13 years$6,750$5,907$5,156$4,490$3,902$1,908
14 years$6,204$5,369$4,632$3,986$3,421$1,564
15 years$5,730$4,905$4,182$3,554$3,012$1,286
16 years$5,316$4,500$3,792$3,183$2,662$1,061
17 years$4,952$4,144$3,451$2,860$2,360$876
18 years$4,628$3,830$3,150$2,577$2,098$725
19 years$4,339$3,549$2,884$2,329$1,870$601
20 years$4,078$3,298$2,646$2,109$1,671$498
21 years$3,843$3,072$2,434$1,914$1,495$414
22 years$3,630$2,868$2,244$1,740$1,340$344
23 years$3,435$2,682$2,071$1,585$1,203$286
24 years$3,257$2,513$1,916$1,446$1,081$238
25 years$3,094$2,358$1,774$1,320$973$198
26 years$2,943$2,216$1,646$1,207$876$165
27 years$2,804$2,086$1,528$1,105$790$137
28 years$2,675$1,966$1,421$1,012$713$114
29 years$2,555$1,854$1,322$928$644$95
30 years$2,443$1,751$1,231$852$582$79
31 years$2,338$1,655$1,148$782$526$66
32 years$2,241$1,566$1,071$719$476$55
33 years$2,149$1,483$1,000$661$431$46
34 years$2,063$1,406$934$608$390$38
35 years$1,982$1,333$874$560$353$32
36 years$1,906$1,266$817$516$320$27
37 years$1,834$1,202$765$475$290$22
38 years$1,766$1,142$716$438$263$19
39 years$1,702$1,086$671$404$238$15
40 years$1,641$1,034$629$373$216$13
41 years$1,583$984$590$344$196$11
42 years$1,528$937$553$317$178$9
43 years$1,476$893$519$293$162$7
44 years$1,426$851$487$270$147$6
45 years$1,378$811$458$250$133$5
46 years$1,333$774$430$231$121$4
47 years$1,290$739$404$213$110$4
48 years$1,249$705$379$197$100$3
49 years$1,209$673$357$182$91$3
50 years$1,172$643$335$168$82$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,200,000, adding $6,756 every year, while hoping to spend $54,575 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: 53/35/12 Blend
51$1,200,000$1,200,000$1,200,000$1,200,000
52$1,329,369$1,265,769$1,247,169$1,395,308
53$1,406,897$1,269,724$1,230,882$1,444,914
54$1,490,504$1,272,044$1,212,220$1,492,420
55$1,580,752$1,272,591$1,191,046$1,542,847
56$1,678,260$1,271,219$1,167,216$1,596,485
57$1,783,705$1,267,771$1,140,581$1,653,653
58$1,897,835$1,262,085$1,110,983$1,714,709
59$2,021,471$1,253,983$1,078,257$1,780,048
60$2,155,514$1,243,282$1,042,232$1,850,106
61$2,300,958$1,229,783$1,002,728$1,925,369
62$2,458,892$1,213,279$959,556$2,006,375
63$2,630,517$1,193,548$912,519$2,093,718
64$2,817,154$1,170,356$861,413$2,188,060
65$3,020,255$1,143,455$806,021$2,290,130
66$3,241,418$1,112,581$746,120$2,400,739
67$3,482,403$1,077,458$681,476$2,520,781
68$3,745,145$1,037,790$611,841$2,651,250
69$4,031,773$993,265$536,962$2,793,244
70$4,344,633$943,555$456,570$2,947,978
71$4,686,307$888,309$370,385$3,116,796
72$5,059,634$827,160$278,117$3,301,188
73$5,467,743$759,718$179,460$3,502,800
74$5,914,078$685,569$74,098$3,723,452
75$6,402,431$604,280$0$3,965,157
76$6,936,977$515,388$0$4,235,054
77$7,522,315$418,407$0$4,541,137
78$8,163,506$312,824$0$4,876,679
79$8,866,127$198,096$0$5,244,735
80$9,636,318$73,649$0$5,648,683
81$10,480,844$0$0$6,092,249
82$11,407,152$0$0$6,603,091
83$12,423,447$0$0$7,194,798
84$13,538,766$0$0$7,844,282
85$14,763,064$0$0$8,557,356
86$16,107,306$0$0$9,340,421
87$17,583,570$0$0$10,200,531
88$19,205,163$0$0$11,145,454
89$20,986,742$0$0$12,183,751
90$22,944,456$0$0$13,324,849
91$25,096,094$0$0$14,579,138
92$27,461,256$0$0$15,958,062
93$30,061,533$0$0$17,474,230
94$32,920,713$0$0$19,141,533
95$36,065,007$0$0$20,975,275
96$39,523,290$0$0$22,992,321
97$43,327,376$0$0$25,211,249
98$47,512,320$0$0$27,652,529
99$52,116,743$0$0$30,338,717
100$57,183,199$0$0$33,294,662