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

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 $1,260,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.6%
1 years$104,050$103,123$102,219$101,336$100,474$97,768
2 years$51,510$50,550$49,621$48,719$47,845$45,137
3 years$33,999$33,035$32,108$31,215$30,355$27,731
4 years$25,245$24,284$23,366$22,489$21,649$19,130
5 years$19,994$19,039$18,133$17,273$16,457$14,049
6 years$16,495$15,547$14,654$13,814$13,022$10,727
7 years$13,996$13,056$12,178$11,357$10,591$8,408
8 years$12,123$11,192$10,328$9,527$8,786$6,716
9 years$10,667$9,744$8,895$8,115$7,399$5,439
10 years$9,502$8,589$7,755$6,995$6,304$4,453
11 years$8,551$7,646$6,827$6,088$5,422$3,675
12 years$7,758$6,863$6,059$5,340$4,699$3,053
13 years$7,088$6,202$5,414$4,714$4,097$2,550
14 years$6,514$5,638$4,864$4,185$3,592$2,139
15 years$6,017$5,150$4,392$3,732$3,162$1,801
16 years$5,582$4,725$3,982$3,342$2,795$1,521
17 years$5,199$4,352$3,623$3,003$2,478$1,287
18 years$4,859$4,021$3,307$2,706$2,203$1,091
19 years$4,555$3,727$3,028$2,445$1,964$927
20 years$4,282$3,463$2,779$2,214$1,754$789
21 years$4,036$3,226$2,556$2,010$1,570$672
22 years$3,811$3,011$2,356$1,827$1,407$573
23 years$3,607$2,816$2,175$1,664$1,263$489
24 years$3,420$2,639$2,012$1,518$1,135$417
25 years$3,248$2,476$1,863$1,386$1,022$357
26 years$3,090$2,327$1,728$1,267$920$305
27 years$2,944$2,190$1,605$1,160$830$261
28 years$2,808$2,064$1,492$1,063$749$223
29 years$2,682$1,947$1,388$975$676$191
30 years$2,565$1,839$1,293$895$611$164
31 years$2,455$1,738$1,205$822$552$140
32 years$2,353$1,645$1,125$755$500$120
33 years$2,256$1,558$1,050$694$452$103
34 years$2,166$1,476$981$639$409$88
35 years$2,081$1,400$917$588$371$75
36 years$2,001$1,329$858$542$336$65
37 years$1,926$1,262$803$499$304$55
38 years$1,854$1,200$752$460$276$48
39 years$1,787$1,141$705$424$250$41
40 years$1,723$1,085$660$391$227$35
41 years$1,662$1,033$619$361$206$30
42 years$1,604$984$581$333$187$26
43 years$1,549$937$545$307$170$22
44 years$1,497$894$512$284$154$19
45 years$1,447$852$480$262$140$16
46 years$1,400$813$451$242$127$14
47 years$1,355$776$424$224$115$12
48 years$1,311$740$398$207$105$10
49 years$1,270$707$374$191$95$9
50 years$1,230$675$352$177$86$8

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 $2,908 every year, while hoping to spend $44,717 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: 69/16/15 Blend
51$1,260,000$1,260,000$1,260,000$1,260,000
52$1,391,520$1,324,740$1,305,210$1,482,518
53$1,485,876$1,342,073$1,301,356$1,560,787
54$1,588,358$1,358,758$1,295,874$1,640,788
55$1,699,747$1,374,714$1,288,662$1,727,175
56$1,820,904$1,389,857$1,279,615$1,820,572
57$1,952,773$1,404,097$1,268,619$1,921,665
58$2,096,397$1,417,338$1,255,558$2,031,212
59$2,252,920$1,429,478$1,240,310$2,150,049
60$2,423,603$1,440,408$1,222,746$2,279,095
61$2,609,834$1,450,011$1,202,731$2,419,365
62$2,813,139$1,458,164$1,180,125$2,571,978
63$3,035,200$1,464,735$1,154,780$2,738,167
64$3,277,868$1,469,585$1,126,543$2,919,294
65$3,543,180$1,472,564$1,095,251$3,116,856
66$3,833,379$1,473,514$1,060,737$3,332,508
67$4,150,936$1,472,269$1,022,824$3,568,072
68$4,498,570$1,468,648$981,327$3,825,557
69$4,879,276$1,462,464$936,053$4,107,181
70$5,296,352$1,453,514$886,801$4,415,385
71$5,753,431$1,441,588$833,359$4,752,863
72$6,254,513$1,426,457$775,509$5,122,586
73$6,804,003$1,407,884$713,018$5,527,827
74$7,406,755$1,385,613$645,648$5,972,198
75$8,068,112$1,359,377$573,146$6,459,677
76$8,793,963$1,328,890$495,249$6,994,653
77$9,590,792$1,293,850$411,685$7,581,966
78$10,465,743$1,253,939$322,167$8,226,947
79$11,426,685$1,208,818$226,395$8,935,479
80$12,482,286$1,158,129$124,059$9,714,044
81$13,642,096$1,101,494$14,831$10,569,789
82$14,916,634$1,038,512$0$11,510,596
83$16,317,492$968,760$0$12,561,432
84$17,857,437$891,790$0$13,719,184
85$19,550,536$807,129$0$14,992,092
86$21,412,289$714,276$0$16,391,856
87$23,459,769$612,702$0$17,931,372
88$25,711,791$501,850$0$19,624,850
89$28,189,081$381,128$0$21,487,951
90$30,914,477$249,913$0$23,537,936
91$33,913,142$107,547$0$25,793,827
92$37,212,800$0$0$28,276,589
93$40,844,001$0$0$31,017,542
94$44,840,401$0$0$34,055,084
95$49,239,090$0$0$37,398,478
96$54,080,931$0$0$41,078,796
97$59,410,952$0$0$45,130,275
98$65,278,770$0$0$49,590,640
99$71,739,053$0$0$54,501,461
100$78,852,044$0$0$59,908,541