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%17.1%
1 years$104,050$103,123$102,219$101,336$100,474$97,571
2 years$51,510$50,550$49,621$48,719$47,845$44,943
3 years$33,999$33,035$32,108$31,215$30,355$27,545
4 years$25,245$24,284$23,366$22,489$21,649$18,953
5 years$19,994$19,039$18,133$17,273$16,457$13,883
6 years$16,495$15,547$14,654$13,814$13,022$10,571
7 years$13,996$13,056$12,178$11,357$10,591$8,263
8 years$12,123$11,192$10,328$9,527$8,786$6,580
9 years$10,667$9,744$8,895$8,115$7,399$5,313
10 years$9,502$8,589$7,755$6,995$6,304$4,336
11 years$8,551$7,646$6,827$6,088$5,422$3,567
12 years$7,758$6,863$6,059$5,340$4,699$2,954
13 years$7,088$6,202$5,414$4,714$4,097$2,459
14 years$6,514$5,638$4,864$4,185$3,592$2,056
15 years$6,017$5,150$4,392$3,732$3,162$1,725
16 years$5,582$4,725$3,982$3,342$2,795$1,451
17 years$5,199$4,352$3,623$3,003$2,478$1,223
18 years$4,859$4,021$3,307$2,706$2,203$1,034
19 years$4,555$3,727$3,028$2,445$1,964$875
20 years$4,282$3,463$2,779$2,214$1,754$741
21 years$4,036$3,226$2,556$2,010$1,570$629
22 years$3,811$3,011$2,356$1,827$1,407$534
23 years$3,607$2,816$2,175$1,664$1,263$454
24 years$3,420$2,639$2,012$1,518$1,135$386
25 years$3,248$2,476$1,863$1,386$1,022$329
26 years$3,090$2,327$1,728$1,267$920$280
27 years$2,944$2,190$1,605$1,160$830$238
28 years$2,808$2,064$1,492$1,063$749$203
29 years$2,682$1,947$1,388$975$676$173
30 years$2,565$1,839$1,293$895$611$148
31 years$2,455$1,738$1,205$822$552$126
32 years$2,353$1,645$1,125$755$500$107
33 years$2,256$1,558$1,050$694$452$92
34 years$2,166$1,476$981$639$409$78
35 years$2,081$1,400$917$588$371$67
36 years$2,001$1,329$858$542$336$57
37 years$1,926$1,262$803$499$304$49
38 years$1,854$1,200$752$460$276$42
39 years$1,787$1,141$705$424$250$35
40 years$1,723$1,085$660$391$227$30
41 years$1,662$1,033$619$361$206$26
42 years$1,604$984$581$333$187$22
43 years$1,549$937$545$307$170$19
44 years$1,497$894$512$284$154$16
45 years$1,447$852$480$262$140$14
46 years$1,400$813$451$242$127$12
47 years$1,355$776$424$224$115$10
48 years$1,311$740$398$207$105$9
49 years$1,270$707$374$191$95$7
50 years$1,230$675$352$177$86$6

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 $3,130 every year, while hoping to spend $55,604 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: 79/13/8 Blend
51$1,260,000$1,260,000$1,260,000$1,260,000
52$1,391,749$1,324,969$1,305,439$1,499,959
53$1,474,545$1,330,730$1,290,009$1,577,141
54$1,563,922$1,334,910$1,272,198$1,654,216
55$1,660,494$1,337,372$1,251,868$1,737,117
56$1,764,934$1,337,972$1,228,875$1,826,399
57$1,877,981$1,336,557$1,203,066$1,922,671
58$2,000,449$1,332,962$1,174,283$2,026,608
59$2,133,232$1,327,015$1,142,359$2,138,952
60$2,277,315$1,318,531$1,107,121$2,260,518
61$2,433,778$1,307,317$1,068,387$2,392,208
62$2,603,813$1,293,164$1,025,967$2,535,013
63$2,788,727$1,275,855$979,662$2,690,028
64$2,989,961$1,255,156$929,265$2,858,456
65$3,209,100$1,230,821$874,558$3,041,628
66$3,447,887$1,202,591$815,315$3,241,005
67$3,708,242$1,170,188$751,298$3,458,203
68$3,992,276$1,133,320$682,259$3,694,999
69$4,302,313$1,091,678$607,941$3,953,354
70$4,640,914$1,044,935$528,071$4,235,429
71$5,010,894$992,744$442,369$4,543,607
72$5,415,355$934,738$350,538$4,880,512
73$5,857,712$870,531$252,272$5,249,040
74$6,341,724$799,713$147,248$5,652,381
75$6,871,531$721,850$35,132$6,094,052
76$7,451,692$636,484$0$6,577,932
77$8,087,225$543,133$0$7,115,509
78$8,783,660$441,284$0$7,707,949
79$9,547,084$330,398$0$8,357,478
80$10,384,204$209,905$0$9,069,855
81$11,302,405$79,202$0$9,851,428
82$12,309,820$0$0$10,709,192
83$13,415,412$0$0$11,659,775
84$14,629,048$0$0$12,715,731
85$15,961,601$0$0$13,875,194
86$17,425,047$0$0$15,148,590
87$19,032,578$0$0$16,547,403
88$20,798,727$0$0$18,084,285
89$22,739,506$0$0$19,773,174
90$24,872,553$0$0$21,629,426
91$27,217,300$0$0$23,669,955
92$29,795,154$0$0$25,913,400
93$32,629,703$0$0$28,380,293
94$35,746,932$0$0$31,093,257
95$39,175,473$0$0$34,077,215
96$42,946,868$0$0$37,359,630
97$47,095,874$0$0$40,970,756
98$51,660,785$0$0$44,943,931
99$56,683,791$0$0$49,315,887
100$62,211,383$0$0$54,127,093