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

Use the below retirement simulation to view the chances of a successful retirement.
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%14.6%
1 years$103,224$102,304$101,407$100,532$99,677$97,784
2 years$51,101$50,149$49,227$48,333$47,465$45,566
3 years$33,729$32,773$31,853$30,967$30,114$28,267
4 years$25,045$24,092$23,181$22,310$21,477$19,697
5 years$19,835$18,888$17,989$17,136$16,327$14,618
6 years$16,364$15,424$14,538$13,704$12,919$11,284
7 years$13,885$12,953$12,081$11,267$10,506$8,946
8 years$12,027$11,103$10,246$9,451$8,716$7,229
9 years$10,582$9,667$8,825$8,051$7,340$5,926
10 years$9,427$8,521$7,694$6,940$6,254$4,911
11 years$8,483$7,586$6,773$6,040$5,379$4,105
12 years$7,696$6,809$6,011$5,298$4,661$3,456
13 years$7,031$6,153$5,371$4,677$4,065$2,925
14 years$6,462$5,593$4,825$4,152$3,563$2,488
15 years$5,969$5,109$4,357$3,703$3,137$2,124
16 years$5,538$4,688$3,950$3,315$2,773$1,819
17 years$5,158$4,317$3,594$2,979$2,458$1,562
18 years$4,821$3,989$3,281$2,684$2,186$1,344
19 years$4,519$3,697$3,004$2,426$1,948$1,159
20 years$4,248$3,436$2,757$2,197$1,740$1,001
21 years$4,004$3,200$2,536$1,994$1,557$866
22 years$3,781$2,987$2,337$1,813$1,396$750
23 years$3,579$2,794$2,158$1,651$1,253$650
24 years$3,393$2,618$1,996$1,506$1,126$564
25 years$3,223$2,457$1,848$1,375$1,014$489
26 years$3,066$2,309$1,714$1,257$913$425
27 years$2,921$2,173$1,592$1,151$823$370
28 years$2,786$2,047$1,480$1,054$743$321
29 years$2,661$1,931$1,377$967$671$280
30 years$2,544$1,824$1,283$887$606$243
31 years$2,436$1,724$1,196$815$548$212
32 years$2,334$1,632$1,116$749$496$185
33 years$2,239$1,545$1,042$689$448$161
34 years$2,149$1,464$973$634$406$140
35 years$2,065$1,389$910$583$368$122
36 years$1,985$1,318$851$537$333$106
37 years$1,910$1,252$797$495$302$93
38 years$1,840$1,190$746$456$274$81
39 years$1,772$1,132$699$421$248$71
40 years$1,709$1,077$655$388$225$62
41 years$1,649$1,025$614$358$204$54
42 years$1,591$976$576$330$185$47
43 years$1,537$930$541$305$168$41
44 years$1,485$886$508$282$153$36
45 years$1,436$845$477$260$139$31
46 years$1,389$806$448$240$126$27
47 years$1,344$770$421$222$114$24
48 years$1,301$735$395$205$104$21
49 years$1,260$702$372$190$94$18
50 years$1,220$670$349$175$86$16

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 $6,672 every year, while hoping to spend $59,536 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: 22/48/30 Blend
51$1,250,000$1,250,000$1,250,000$1,250,000
52$1,384,382$1,318,132$1,298,757$1,401,630
53$1,462,243$1,319,375$1,278,920$1,418,915
54$1,546,051$1,318,683$1,256,422$1,432,021
55$1,636,349$1,315,899$1,231,113$1,444,779
56$1,733,734$1,310,855$1,202,833$1,457,200
57$1,838,862$1,303,375$1,171,415$1,469,303
58$1,952,454$1,293,269$1,136,686$1,481,112
59$2,075,303$1,280,337$1,098,463$1,492,664
60$2,208,279$1,264,369$1,056,557$1,504,004
61$2,352,339$1,245,138$1,010,767$1,515,189
62$2,508,536$1,222,409$960,886$1,526,290
63$2,678,027$1,195,927$906,696$1,537,394
64$2,862,086$1,165,427$847,970$1,548,604
65$3,062,111$1,130,626$784,470$1,560,044
66$3,279,645$1,091,225$715,948$1,571,860
67$3,516,380$1,046,906$642,144$1,584,223
68$3,774,182$997,336$562,787$1,597,333
69$4,055,102$942,159$477,594$1,611,421
70$4,361,399$881,002$386,270$1,626,754
71$4,695,558$813,466$288,506$1,643,639
72$5,060,313$739,135$183,979$1,662,430
73$5,458,677$657,564$72,354$1,683,529
74$5,893,963$568,286$0$1,707,395
75$6,369,821$470,806$0$1,749,522
76$6,890,269$364,601$0$1,821,220
77$7,459,731$249,121$0$1,900,099
78$8,083,077$123,782$0$1,987,045
79$8,765,672$0$0$2,083,048
80$9,513,422$0$0$2,195,566
81$10,332,833$0$0$2,390,732
82$11,231,068$0$0$2,604,898
83$12,216,019$0$0$2,839,974
84$13,296,375$0$0$3,098,062
85$14,481,709$0$0$3,381,481
86$15,782,563$0$0$3,692,782
87$17,210,552$0$0$4,034,777
88$18,778,468$0$0$4,410,563
89$20,500,403$0$0$4,823,554
90$22,391,881$0$0$5,277,507
91$24,470,004$0$0$5,776,565
92$26,753,611$0$0$6,325,290
93$29,263,457$0$0$6,928,710
94$32,022,409$0$0$7,592,364
95$35,055,657$0$0$8,322,354
96$38,390,956$0$0$9,125,402
97$42,058,883$0$0$10,008,919
98$46,093,129$0$0$10,981,064
99$50,530,811$0$0$12,050,833
100$55,412,827$0$0$13,228,133