Can I retire at age 52 with 1,250,000?

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 $1,250,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.1%
1 years$103,224$102,304$101,407$100,532$99,677$98,800
2 years$51,101$50,149$49,227$48,333$47,465$46,582
3 years$33,729$32,773$31,853$30,967$30,114$29,251
4 years$25,045$24,092$23,181$22,310$21,477$20,642
5 years$19,835$18,888$17,989$17,136$16,327$15,521
6 years$16,364$15,424$14,538$13,704$12,919$12,144
7 years$13,885$12,953$12,081$11,267$10,506$9,763
8 years$12,027$11,103$10,246$9,451$8,716$8,003
9 years$10,582$9,667$8,825$8,051$7,340$6,658
10 years$9,427$8,521$7,694$6,940$6,254$5,603
11 years$8,483$7,586$6,773$6,040$5,379$4,757
12 years$7,696$6,809$6,011$5,298$4,661$4,069
13 years$7,031$6,153$5,371$4,677$4,065$3,501
14 years$6,462$5,593$4,825$4,152$3,563$3,028
15 years$5,969$5,109$4,357$3,703$3,137$2,629
16 years$5,538$4,688$3,950$3,315$2,773$2,291
17 years$5,158$4,317$3,594$2,979$2,458$2,002
18 years$4,821$3,989$3,281$2,684$2,186$1,754
19 years$4,519$3,697$3,004$2,426$1,948$1,541
20 years$4,248$3,436$2,757$2,197$1,740$1,355
21 years$4,004$3,200$2,536$1,994$1,557$1,194
22 years$3,781$2,987$2,337$1,813$1,396$1,054
23 years$3,579$2,794$2,158$1,651$1,253$932
24 years$3,393$2,618$1,996$1,506$1,126$824
25 years$3,223$2,457$1,848$1,375$1,014$730
26 years$3,066$2,309$1,714$1,257$913$647
27 years$2,921$2,173$1,592$1,151$823$574
28 years$2,786$2,047$1,480$1,054$743$509
29 years$2,661$1,931$1,377$967$671$452
30 years$2,544$1,824$1,283$887$606$402
31 years$2,436$1,724$1,196$815$548$357
32 years$2,334$1,632$1,116$749$496$317
33 years$2,239$1,545$1,042$689$448$282
34 years$2,149$1,464$973$634$406$251
35 years$2,065$1,389$910$583$368$224
36 years$1,985$1,318$851$537$333$199
37 years$1,910$1,252$797$495$302$177
38 years$1,840$1,190$746$456$274$158
39 years$1,772$1,132$699$421$248$141
40 years$1,709$1,077$655$388$225$125
41 years$1,649$1,025$614$358$204$112
42 years$1,591$976$576$330$185$99
43 years$1,537$930$541$305$168$89
44 years$1,485$886$508$282$153$79
45 years$1,436$845$477$260$139$70
46 years$1,389$806$448$240$126$63
47 years$1,344$770$421$222$114$56
48 years$1,301$735$395$205$104$50
49 years$1,260$702$372$190$94$45
50 years$1,220$670$349$175$86$40

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,250,000, adding $6,937 every year, while hoping to spend $45,910 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: 56/29/15 Blend
51$1,250,000$1,250,000$1,250,000$1,250,000
52$1,384,656$1,318,406$1,299,031$1,456,407
53$1,477,042$1,334,160$1,293,700$1,521,663
54$1,577,314$1,349,147$1,286,653$1,587,127
55$1,686,227$1,363,281$1,277,782$1,657,384
56$1,804,611$1,376,471$1,266,976$1,732,904
57$1,933,381$1,388,618$1,254,120$1,814,202
58$2,073,545$1,399,619$1,239,092$1,901,850
59$2,226,208$1,409,362$1,221,763$1,996,476
60$2,392,589$1,417,729$1,202,000$2,098,776
61$2,574,029$1,424,594$1,179,663$2,209,518
62$2,772,005$1,429,823$1,154,607$2,329,550
63$2,988,139$1,433,275$1,126,676$2,459,806
64$3,224,222$1,434,797$1,095,712$2,601,320
65$3,482,220$1,434,230$1,061,546$2,755,232
66$3,764,302$1,431,403$1,024,003$2,922,801
67$4,072,853$1,426,134$982,899$3,105,415
68$4,410,501$1,418,231$938,043$3,304,608
69$4,780,139$1,407,492$889,235$3,522,072
70$5,184,953$1,393,698$836,264$3,759,676
71$5,628,450$1,376,622$778,911$4,019,480
72$6,114,496$1,356,020$716,948$4,303,761
73$6,647,344$1,331,635$650,136$4,615,028
74$7,231,682$1,303,194$578,224$4,956,053
75$7,872,671$1,270,408$500,952$5,329,893
76$8,575,996$1,232,971$418,047$5,739,920
77$9,347,921$1,190,559$329,224$6,189,858
78$10,195,343$1,142,830$234,187$6,683,814
79$11,125,861$1,089,422$132,625$7,226,318
80$12,147,845$1,029,950$24,215$7,822,370
81$13,270,517$964,009$0$8,477,484
82$14,504,034$891,170$0$9,212,386
83$15,859,588$810,980$0$10,024,233
84$17,349,507$722,959$0$10,916,608
85$18,987,373$626,601$0$11,897,738
86$20,788,150$521,369$0$12,976,695
87$22,768,325$406,700$0$14,163,480
88$24,946,061$281,994$0$15,469,120
89$27,341,369$146,623$0$16,905,773
90$29,976,300$0$0$18,486,843
91$32,875,146$0$0$20,227,133
92$36,064,675$0$0$22,193,541
93$39,574,377$0$0$24,357,473
94$43,436,749$0$0$26,738,983
95$47,687,595$0$0$29,360,164
96$52,366,367$0$0$32,245,361
97$57,516,535$0$0$35,421,397
98$63,185,997$0$0$38,917,829
99$69,427,531$0$0$42,767,226
100$76,299,294$0$0$47,005,475