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%12.2%
1 years$104,050$103,123$102,219$101,336$100,474$99,549
2 years$51,510$50,550$49,621$48,719$47,845$46,913
3 years$33,999$33,035$32,108$31,215$30,355$29,445
4 years$25,245$24,284$23,366$22,489$21,649$20,768
5 years$19,994$19,039$18,133$17,273$16,457$15,608
6 years$16,495$15,547$14,654$13,814$13,022$12,205
7 years$13,996$13,056$12,178$11,357$10,591$9,807
8 years$12,123$11,192$10,328$9,527$8,786$8,035
9 years$10,667$9,744$8,895$8,115$7,399$6,681
10 years$9,502$8,589$7,755$6,995$6,304$5,618
11 years$8,551$7,646$6,827$6,088$5,422$4,767
12 years$7,758$6,863$6,059$5,340$4,699$4,075
13 years$7,088$6,202$5,414$4,714$4,097$3,504
14 years$6,514$5,638$4,864$4,185$3,592$3,028
15 years$6,017$5,150$4,392$3,732$3,162$2,628
16 years$5,582$4,725$3,982$3,342$2,795$2,288
17 years$5,199$4,352$3,623$3,003$2,478$1,998
18 years$4,859$4,021$3,307$2,706$2,203$1,750
19 years$4,555$3,727$3,028$2,445$1,964$1,535
20 years$4,282$3,463$2,779$2,214$1,754$1,350
21 years$4,036$3,226$2,556$2,010$1,570$1,189
22 years$3,811$3,011$2,356$1,827$1,407$1,048
23 years$3,607$2,816$2,175$1,664$1,263$926
24 years$3,420$2,639$2,012$1,518$1,135$818
25 years$3,248$2,476$1,863$1,386$1,022$724
26 years$3,090$2,327$1,728$1,267$920$641
27 years$2,944$2,190$1,605$1,160$830$568
28 years$2,808$2,064$1,492$1,063$749$504
29 years$2,682$1,947$1,388$975$676$447
30 years$2,565$1,839$1,293$895$611$397
31 years$2,455$1,738$1,205$822$552$352
32 years$2,353$1,645$1,125$755$500$313
33 years$2,256$1,558$1,050$694$452$278
34 years$2,166$1,476$981$639$409$247
35 years$2,081$1,400$917$588$371$220
36 years$2,001$1,329$858$542$336$196
37 years$1,926$1,262$803$499$304$174
38 years$1,854$1,200$752$460$276$155
39 years$1,787$1,141$705$424$250$138
40 years$1,723$1,085$660$391$227$123
41 years$1,662$1,033$619$361$206$109
42 years$1,604$984$581$333$187$97
43 years$1,549$937$545$307$170$87
44 years$1,497$894$512$284$154$77
45 years$1,447$852$480$262$140$69
46 years$1,400$813$451$242$127$61
47 years$1,355$776$424$224$115$55
48 years$1,311$740$398$207$105$49
49 years$1,270$707$374$191$95$43
50 years$1,230$675$352$177$86$39

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 $6,876 every year, while hoping to spend $30,527 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: 60/12/28 Blend
51$1,260,000$1,260,000$1,260,000$1,260,000
52$1,395,613$1,328,833$1,309,303$1,468,396
53$1,505,485$1,361,465$1,320,684$1,551,471
54$1,625,540$1,394,673$1,331,423$1,638,218
55$1,756,787$1,428,453$1,341,467$1,732,237
56$1,900,331$1,462,800$1,350,758$1,834,244
57$2,057,394$1,497,706$1,359,238$1,945,028
58$2,229,320$1,533,165$1,366,844$2,065,458
59$2,417,587$1,569,167$1,373,510$2,196,493
60$2,623,825$1,605,700$1,379,166$2,339,187
61$2,849,828$1,642,752$1,383,741$2,494,706
62$3,097,572$1,680,309$1,387,158$2,664,331
63$3,369,233$1,718,353$1,389,337$2,849,476
64$3,667,209$1,756,866$1,390,194$3,051,700
65$3,994,139$1,795,827$1,389,640$3,272,721
66$4,352,932$1,835,213$1,387,583$3,514,431
67$4,746,790$1,874,998$1,383,926$3,778,917
68$5,179,242$1,915,152$1,378,568$4,068,479
69$5,654,175$1,955,645$1,371,400$4,385,652
70$6,175,871$1,996,442$1,362,312$4,733,232
71$6,749,047$2,037,504$1,351,186$5,114,297
72$7,378,898$2,078,790$1,337,899$5,532,244
73$8,071,150$2,120,255$1,322,323$5,990,814
74$8,832,109$2,161,849$1,304,323$6,494,132
75$9,668,723$2,203,519$1,283,757$7,046,746
76$10,588,648$2,245,207$1,260,477$7,653,666
77$11,600,317$2,286,849$1,234,331$8,320,416
78$12,713,023$2,328,378$1,205,154$9,053,087
79$13,937,003$2,369,720$1,172,778$9,858,387
80$15,283,537$2,410,796$1,137,027$10,743,716
81$16,765,054$2,451,522$1,097,713$11,717,226
82$18,395,248$2,491,805$1,054,645$12,787,904
83$20,189,207$2,531,546$1,007,619$13,965,656
84$22,163,555$2,570,641$956,423$15,261,400
85$24,336,610$2,608,975$900,836$16,687,168
86$26,728,557$2,646,428$840,627$18,256,226
87$29,361,635$2,682,868$775,553$19,983,191
88$32,260,351$2,718,157$705,363$21,884,177
89$35,451,706$2,752,146$629,792$23,976,942
90$38,965,454$2,784,676$548,564$26,281,061
91$42,834,382$2,815,576$461,392$28,818,106
92$47,094,615$2,844,666$367,976$31,611,855
93$51,785,963$2,871,751$268,000$34,688,515
94$56,952,290$2,896,627$161,137$38,076,969
95$62,641,934$2,919,072$47,045$41,809,050
96$68,908,158$2,938,853$0$45,919,844
97$75,809,654$2,955,720$0$50,470,340
98$83,411,098$2,969,410$0$55,497,285
99$91,783,758$2,979,639$0$61,033,696
100$101,006,169$2,986,108$0$67,131,461