Can I retire at age 52 with 1,260,000?

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 $1,260,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.3%
1 years$104,050$103,123$102,219$101,336$100,474$99,925
2 years$51,510$50,550$49,621$48,719$47,845$47,290
3 years$33,999$33,035$32,108$31,215$30,355$29,813
4 years$25,245$24,284$23,366$22,489$21,649$21,123
5 years$19,994$19,039$18,133$17,273$16,457$15,950
6 years$16,495$15,547$14,654$13,814$13,022$12,533
7 years$13,996$13,056$12,178$11,357$10,591$10,120
8 years$12,123$11,192$10,328$9,527$8,786$8,334
9 years$10,667$9,744$8,895$8,115$7,399$6,966
10 years$9,502$8,589$7,755$6,995$6,304$5,890
11 years$8,551$7,646$6,827$6,088$5,422$5,026
12 years$7,758$6,863$6,059$5,340$4,699$4,320
13 years$7,088$6,202$5,414$4,714$4,097$3,736
14 years$6,514$5,638$4,864$4,185$3,592$3,248
15 years$6,017$5,150$4,392$3,732$3,162$2,835
16 years$5,582$4,725$3,982$3,342$2,795$2,484
17 years$5,199$4,352$3,623$3,003$2,478$2,183
18 years$4,859$4,021$3,307$2,706$2,203$1,924
19 years$4,555$3,727$3,028$2,445$1,964$1,699
20 years$4,282$3,463$2,779$2,214$1,754$1,504
21 years$4,036$3,226$2,556$2,010$1,570$1,333
22 years$3,811$3,011$2,356$1,827$1,407$1,183
23 years$3,607$2,816$2,175$1,664$1,263$1,052
24 years$3,420$2,639$2,012$1,518$1,135$936
25 years$3,248$2,476$1,863$1,386$1,022$834
26 years$3,090$2,327$1,728$1,267$920$744
27 years$2,944$2,190$1,605$1,160$830$664
28 years$2,808$2,064$1,492$1,063$749$593
29 years$2,682$1,947$1,388$975$676$530
30 years$2,565$1,839$1,293$895$611$474
31 years$2,455$1,738$1,205$822$552$424
32 years$2,353$1,645$1,125$755$500$380
33 years$2,256$1,558$1,050$694$452$340
34 years$2,166$1,476$981$639$409$304
35 years$2,081$1,400$917$588$371$273
36 years$2,001$1,329$858$542$336$244
37 years$1,926$1,262$803$499$304$219
38 years$1,854$1,200$752$460$276$197
39 years$1,787$1,141$705$424$250$176
40 years$1,723$1,085$660$391$227$158
41 years$1,662$1,033$619$361$206$142
42 years$1,604$984$581$333$187$127
43 years$1,549$937$545$307$170$114
44 years$1,497$894$512$284$154$103
45 years$1,447$852$480$262$140$92
46 years$1,400$813$451$242$127$83
47 years$1,355$776$424$224$115$74
48 years$1,311$740$398$207$105$67
49 years$1,270$707$374$191$95$60
50 years$1,230$675$352$177$86$54

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,260,000, adding $6,861 every year, while hoping to spend $32,560 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: 69/12/19 Blend
51$1,260,000$1,260,000$1,260,000$1,260,000
52$1,395,597$1,328,817$1,309,287$1,484,969
53$1,503,304$1,359,286$1,318,505$1,575,960
54$1,620,907$1,390,156$1,326,940$1,671,015
55$1,749,379$1,421,413$1,334,532$1,774,221
56$1,889,794$1,453,040$1,341,217$1,886,380
57$2,043,333$1,485,020$1,346,928$2,008,374
58$2,211,299$1,517,331$1,351,596$2,141,178
59$2,395,122$1,549,952$1,355,145$2,285,862
60$2,596,381$1,582,856$1,357,499$2,443,608
61$2,816,812$1,616,016$1,358,576$2,615,717
62$3,058,329$1,649,403$1,358,290$2,803,624
63$3,323,038$1,682,983$1,356,552$3,008,909
64$3,613,260$1,716,721$1,353,268$3,233,312
65$3,931,548$1,750,577$1,348,339$3,478,753
66$4,280,720$1,784,508$1,341,662$3,747,347
67$4,663,873$1,818,469$1,333,127$4,041,423
68$5,084,423$1,852,409$1,322,622$4,363,550
69$5,546,132$1,886,275$1,310,028$4,716,557
70$6,053,143$1,920,007$1,295,219$5,103,564
71$6,610,019$1,953,544$1,278,065$5,528,008
72$7,221,790$1,986,817$1,258,429$5,993,677
73$7,893,995$2,019,753$1,236,169$6,504,745
74$8,632,735$2,052,273$1,211,133$7,065,814
75$9,444,734$2,084,295$1,183,166$7,681,953
76$10,337,398$2,115,726$1,152,102$8,358,752
77$11,318,886$2,146,470$1,117,771$9,102,369
78$12,398,189$2,176,423$1,079,993$9,919,591
79$13,585,211$2,205,475$1,038,580$10,817,900
80$14,890,865$2,233,506$993,335$11,805,539
81$16,327,175$2,260,389$944,053$12,891,596
82$17,907,388$2,285,990$890,520$14,086,083
83$19,646,100$2,310,161$832,511$15,400,038
84$21,559,393$2,332,751$769,792$16,845,625
85$23,664,989$2,353,593$702,117$18,436,248
86$25,982,411$2,372,512$629,231$20,186,682
87$28,533,173$2,389,322$550,867$22,113,210
88$31,340,981$2,403,822$466,745$24,233,776
89$34,431,954$2,415,803$376,574$26,568,159
90$37,834,873$2,425,037$280,049$29,138,154
91$41,581,452$2,431,286$176,852$31,967,784
92$45,706,636$2,434,294$66,653$35,083,524
93$50,248,931$2,433,793$0$38,514,550
94$55,250,766$2,429,493$0$42,303,349
95$60,758,897$2,421,091$0$46,490,121
96$66,824,843$2,408,263$0$51,100,474
97$73,505,374$2,390,664$0$56,177,529
98$80,863,047$2,367,933$0$61,768,810
99$88,966,798$2,339,681$0$67,926,682
100$97,892,586$2,305,500$0$74,708,853