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%18.5%
1 years$99,095$98,212$97,351$96,510$95,690$92,405
2 years$49,057$48,143$47,258$46,399$45,567$42,291
3 years$32,380$31,462$30,579$29,728$28,909$25,745
4 years$24,043$23,128$22,254$21,418$20,618$17,590
5 years$19,042$18,133$17,270$16,451$15,674$12,789
6 years$15,709$14,807$13,956$13,156$12,402$9,664
7 years$13,329$12,435$11,598$10,816$10,086$7,494
8 years$11,546$10,659$9,836$9,073$8,367$5,919
9 years$10,159$9,280$8,472$7,729$7,047$4,739
10 years$9,050$8,180$7,386$6,662$6,004$3,833
11 years$8,143$7,282$6,502$5,798$5,164$3,125
12 years$7,388$6,536$5,771$5,086$4,475$2,564
13 years$6,750$5,907$5,156$4,490$3,902$2,114
14 years$6,204$5,369$4,632$3,986$3,421$1,750
15 years$5,730$4,905$4,182$3,554$3,012$1,454
16 years$5,316$4,500$3,792$3,183$2,662$1,211
17 years$4,952$4,144$3,451$2,860$2,360$1,011
18 years$4,628$3,830$3,150$2,577$2,098$845
19 years$4,339$3,549$2,884$2,329$1,870$708
20 years$4,078$3,298$2,646$2,109$1,671$593
21 years$3,843$3,072$2,434$1,914$1,495$498
22 years$3,630$2,868$2,244$1,740$1,340$418
23 years$3,435$2,682$2,071$1,585$1,203$352
24 years$3,257$2,513$1,916$1,446$1,081$296
25 years$3,094$2,358$1,774$1,320$973$249
26 years$2,943$2,216$1,646$1,207$876$210
27 years$2,804$2,086$1,528$1,105$790$177
28 years$2,675$1,966$1,421$1,012$713$149
29 years$2,555$1,854$1,322$928$644$125
30 years$2,443$1,751$1,231$852$582$106
31 years$2,338$1,655$1,148$782$526$89
32 years$2,241$1,566$1,071$719$476$75
33 years$2,149$1,483$1,000$661$431$63
34 years$2,063$1,406$934$608$390$53
35 years$1,982$1,333$874$560$353$45
36 years$1,906$1,266$817$516$320$38
37 years$1,834$1,202$765$475$290$32
38 years$1,766$1,142$716$438$263$27
39 years$1,702$1,086$671$404$238$23
40 years$1,641$1,034$629$373$216$19
41 years$1,583$984$590$344$196$16
42 years$1,528$937$553$317$178$14
43 years$1,476$893$519$293$162$12
44 years$1,426$851$487$270$147$10
45 years$1,378$811$458$250$133$8
46 years$1,333$774$430$231$121$7
47 years$1,290$739$404$213$110$6
48 years$1,249$705$379$197$100$5
49 years$1,209$673$357$182$91$4
50 years$1,172$643$335$168$82$4

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 $2,236 every year, while hoping to spend $44,792 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: 50/22/28 Blend
51$1,200,000$1,200,000$1,200,000$1,200,000
52$1,324,706$1,261,106$1,242,506$1,380,344
53$1,412,168$1,275,242$1,236,472$1,433,607
54$1,507,050$1,288,570$1,228,734$1,486,830
55$1,610,061$1,301,001$1,219,189$1,543,806
56$1,721,981$1,312,445$1,207,726$1,604,912
57$1,843,671$1,322,802$1,194,232$1,670,565
58$1,976,072$1,331,967$1,178,586$1,741,227
59$2,120,226$1,339,827$1,160,663$1,817,408
60$2,277,275$1,346,265$1,140,332$1,899,673
61$2,448,478$1,351,153$1,117,454$1,988,646
62$2,635,220$1,354,356$1,091,885$2,085,018
63$2,839,025$1,355,732$1,063,476$2,189,552
64$3,061,570$1,355,128$1,032,067$2,303,092
65$3,304,704$1,352,383$997,495$2,426,570
66$3,570,459$1,347,325$959,587$2,561,019
67$3,861,075$1,339,773$918,161$2,707,578
68$4,179,016$1,329,533$873,031$2,867,505
69$4,526,996$1,316,401$823,998$3,042,193
70$4,908,005$1,300,159$770,857$3,233,178
71$5,325,333$1,280,579$713,393$3,442,159
72$5,782,605$1,257,415$651,379$3,671,011
73$6,283,812$1,230,410$584,582$3,921,807
74$6,833,351$1,199,290$512,756$4,196,835
75$7,436,064$1,163,766$435,644$4,498,621
76$8,097,283$1,123,531$352,978$4,829,957
77$8,822,883$1,078,261$264,480$5,193,924
78$9,619,334$1,027,613$169,857$5,593,923
79$10,493,763$971,223$68,805$6,033,709
80$11,454,021$908,708$0$6,517,428
81$12,508,758$839,661$0$7,061,319
82$13,667,500$763,653$0$7,681,464
83$14,940,744$680,231$0$8,362,963
84$16,340,052$588,914$0$9,112,077
85$17,878,163$489,197$0$9,935,707
86$19,569,111$380,543$0$10,841,460
87$21,428,358$262,387$0$11,837,726
88$23,472,939$134,133$0$12,933,751
89$25,721,622$0$0$14,139,731
90$28,195,086$0$0$15,468,079
91$30,916,114$0$0$16,965,242
92$33,909,809$0$0$18,612,577
93$37,203,828$0$0$20,425,322
94$40,828,646$0$0$22,420,267
95$44,817,842$0$0$24,615,910
96$49,208,413$0$0$27,032,634
97$54,041,125$0$0$29,692,901
98$59,360,898$0$0$32,621,458
99$65,217,227$0$0$35,845,573
100$71,664,649$0$0$39,395,295