Can I retire at age 52 with 1,220,000?

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 $1,220,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.1%
1 years$100,746$99,849$98,974$98,119$97,285$95,634
2 years$49,874$48,946$48,045$47,173$46,326$44,668
3 years$32,919$31,987$31,089$30,224$29,391$27,777
4 years$24,443$23,513$22,625$21,775$20,962$19,405
5 years$19,359$18,435$17,558$16,725$15,935$14,439
6 years$15,971$15,053$14,189$13,375$12,609$11,176
7 years$13,552$12,642$11,791$10,996$10,254$8,885
8 years$11,738$10,836$10,000$9,225$8,507$7,201
9 years$10,328$9,435$8,613$7,857$7,164$5,920
10 years$9,201$8,317$7,509$6,773$6,104$4,922
11 years$8,279$7,404$6,611$5,895$5,250$4,127
12 years$7,512$6,645$5,867$5,170$4,549$3,485
13 years$6,863$6,005$5,242$4,565$3,967$2,960
14 years$6,307$5,459$4,710$4,052$3,478$2,526
15 years$5,826$4,987$4,252$3,614$3,062$2,164
16 years$5,405$4,575$3,855$3,236$2,706$1,859
17 years$5,034$4,213$3,508$2,907$2,399$1,602
18 years$4,705$3,893$3,202$2,620$2,133$1,384
19 years$4,411$3,608$2,932$2,367$1,902$1,198
20 years$4,146$3,353$2,691$2,144$1,699$1,038
21 years$3,907$3,123$2,475$1,946$1,520$901
22 years$3,690$2,915$2,281$1,769$1,362$784
23 years$3,493$2,727$2,106$1,611$1,223$682
24 years$3,312$2,555$1,948$1,470$1,099$594
25 years$3,145$2,398$1,804$1,342$989$518
26 years$2,992$2,253$1,673$1,227$891$452
27 years$2,850$2,121$1,554$1,123$803$394
28 years$2,719$1,998$1,444$1,029$725$344
29 years$2,597$1,885$1,344$944$655$301
30 years$2,483$1,780$1,252$866$591$263
31 years$2,377$1,683$1,167$795$535$230
32 years$2,278$1,592$1,089$731$484$201
33 years$2,185$1,508$1,017$672$438$176
34 years$2,097$1,429$950$619$396$154
35 years$2,015$1,356$888$569$359$135
36 years$1,938$1,287$831$524$325$118
37 years$1,864$1,222$778$483$295$103
38 years$1,795$1,161$728$445$267$90
39 years$1,730$1,104$682$411$242$79
40 years$1,668$1,051$640$379$220$69
41 years$1,609$1,000$600$349$199$61
42 years$1,553$953$563$323$181$53
43 years$1,500$908$528$298$164$47
44 years$1,450$865$495$275$149$41
45 years$1,401$825$465$254$135$36
46 years$1,355$787$437$234$123$31
47 years$1,312$751$411$217$112$27
48 years$1,270$717$386$200$101$24
49 years$1,230$685$363$185$92$21
50 years$1,191$654$341$171$84$18

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,220,000, adding $6,276 every year, while hoping to spend $20,187 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: 60/34/6 Blend
51$1,220,000$1,220,000$1,220,000$1,220,000
52$1,350,914$1,286,254$1,267,344$1,430,050
53$1,467,228$1,327,801$1,288,321$1,525,309
54$1,594,730$1,370,708$1,309,324$1,626,273
55$1,734,539$1,415,020$1,330,333$1,735,877
56$1,887,889$1,460,782$1,351,326$1,854,953
57$2,056,138$1,508,045$1,372,280$1,984,415
58$2,240,782$1,556,858$1,393,170$2,125,268
59$2,443,470$1,607,272$1,413,969$2,278,619
60$2,666,018$1,659,341$1,434,650$2,445,686
61$2,910,424$1,713,122$1,455,184$2,627,809
62$3,178,893$1,768,670$1,475,538$2,826,464
63$3,473,851$1,826,046$1,495,680$3,043,274
64$3,797,972$1,885,311$1,515,574$3,280,028
65$4,154,203$1,946,528$1,535,182$3,538,693
66$4,545,786$2,009,763$1,554,466$3,821,436
67$4,976,299$2,075,084$1,573,383$4,130,642
68$5,449,680$2,142,562$1,591,890$4,468,939
69$5,970,268$2,212,268$1,609,939$4,839,219
70$6,542,845$2,284,279$1,627,482$5,244,667
71$7,172,679$2,358,672$1,644,465$5,688,790
72$7,865,573$2,435,528$1,660,836$6,175,453
73$8,627,922$2,514,930$1,676,535$6,708,909
74$9,466,774$2,596,964$1,691,502$7,293,844
75$10,389,890$2,681,721$1,705,673$7,935,421
76$11,405,826$2,769,292$1,718,980$8,639,323
77$12,524,006$2,859,774$1,731,352$9,411,812
78$13,754,816$2,953,265$1,742,714$10,259,787
79$15,109,700$3,049,867$1,752,988$11,190,845
80$16,601,267$3,149,688$1,762,090$12,213,356
81$18,243,411$3,252,837$1,769,934$13,336,542
82$20,051,441$3,359,428$1,776,429$14,570,560
83$22,042,226$3,469,579$1,781,478$15,926,599
84$24,234,357$3,583,412$1,784,981$17,416,990
85$26,648,315$3,701,052$1,786,832$19,055,313
86$29,306,671$3,822,632$1,786,919$20,856,532
87$32,234,297$3,948,287$1,785,126$22,837,134
88$35,458,599$4,078,156$1,781,332$25,015,281
89$39,009,777$4,212,386$1,775,406$27,410,986
90$42,921,108$4,351,127$1,767,216$30,046,299
91$47,229,263$4,494,535$1,756,620$32,945,512
92$51,974,651$4,642,770$1,743,471$36,135,393
93$57,201,802$4,796,002$1,727,613$39,645,434
94$62,959,782$4,954,403$1,708,884$43,508,131
95$69,302,663$5,118,152$1,687,116$47,759,290
96$76,290,029$5,287,436$1,662,128$52,438,362
97$83,987,539$5,462,447$1,633,737$57,588,820
98$92,467,547$5,643,386$1,601,746$63,258,563
99$101,809,784$5,830,459$1,565,951$69,500,369
100$112,102,111$6,023,880$1,526,140$76,372,398