Can I retire at age 52 with 1,270,000?

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 $1,270,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14%
1 years$104,875$103,941$103,030$102,140$101,272$99,594
2 years$51,919$50,952$50,014$49,106$48,225$46,539
3 years$34,269$33,297$32,363$31,463$30,596$28,955
4 years$25,445$24,477$23,552$22,667$21,821$20,238
5 years$20,153$19,190$18,277$17,410$16,588$15,067
6 years$16,625$15,670$14,771$13,923$13,126$11,668
7 years$14,107$13,160$12,274$11,447$10,675$9,281
8 years$12,219$11,281$10,410$9,603$8,856$7,526
9 years$10,751$9,822$8,966$8,179$7,458$6,192
10 years$9,578$8,657$7,817$7,051$6,354$5,150
11 years$8,618$7,707$6,882$6,136$5,465$4,322
12 years$7,819$6,918$6,107$5,382$4,736$3,652
13 years$7,144$6,251$5,456$4,752$4,130$3,104
14 years$6,565$5,682$4,903$4,218$3,620$2,650
15 years$6,064$5,191$4,426$3,762$3,187$2,272
16 years$5,627$4,763$4,013$3,368$2,817$1,954
17 years$5,241$4,386$3,652$3,026$2,498$1,685
18 years$4,898$4,053$3,334$2,727$2,221$1,456
19 years$4,592$3,756$3,052$2,464$1,980$1,261
20 years$4,316$3,491$2,801$2,232$1,768$1,094
21 years$4,068$3,251$2,576$2,026$1,582$951
22 years$3,842$3,035$2,374$1,842$1,418$827
23 years$3,636$2,839$2,192$1,677$1,273$720
24 years$3,447$2,660$2,028$1,530$1,144$628
25 years$3,274$2,496$1,878$1,397$1,030$548
26 years$3,115$2,346$1,742$1,277$928$478
27 years$2,967$2,208$1,617$1,169$836$418
28 years$2,831$2,080$1,503$1,071$755$365
29 years$2,704$1,962$1,399$982$681$319
30 years$2,585$1,853$1,303$902$616$279
31 years$2,475$1,752$1,215$828$557$244
32 years$2,371$1,658$1,134$761$503$214
33 years$2,274$1,570$1,058$700$456$187
34 years$2,183$1,488$989$644$413$164
35 years$2,098$1,411$925$593$374$144
36 years$2,017$1,339$865$546$339$126
37 years$1,941$1,272$810$503$307$110
38 years$1,869$1,209$758$464$278$97
39 years$1,801$1,150$710$427$252$85
40 years$1,736$1,094$666$394$229$74
41 years$1,675$1,041$624$364$208$65
42 years$1,617$992$586$336$188$57
43 years$1,562$945$549$310$171$50
44 years$1,509$901$516$286$155$44
45 years$1,459$859$484$264$141$38
46 years$1,411$819$455$244$128$34
47 years$1,365$782$427$226$116$30
48 years$1,322$746$402$208$105$26
49 years$1,280$713$377$193$96$23
50 years$1,240$681$355$178$87$20

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,270,000, adding $2,940 every year, while hoping to spend $46,001 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: 35/43/22 Blend
51$1,270,000$1,270,000$1,270,000$1,270,000
52$1,402,573$1,335,263$1,315,578$1,442,198
53$1,496,690$1,351,746$1,310,705$1,488,160
54$1,598,866$1,367,495$1,304,127$1,533,276
55$1,709,874$1,382,425$1,295,738$1,581,021
56$1,830,564$1,396,447$1,285,428$1,631,657
57$1,961,872$1,409,464$1,273,081$1,685,475
58$2,104,828$1,421,373$1,258,574$1,742,799
59$2,260,566$1,432,065$1,241,782$1,803,987
60$2,430,331$1,441,424$1,222,569$1,869,438
61$2,615,497$1,449,326$1,200,797$1,939,593
62$2,817,574$1,455,639$1,176,321$2,014,944
63$3,038,225$1,460,224$1,148,985$2,096,032
64$3,279,280$1,462,930$1,118,632$2,183,461
65$3,542,754$1,463,601$1,085,094$2,277,899
66$3,830,865$1,462,068$1,048,195$2,380,086
67$4,146,056$1,458,152$1,007,752$2,490,841
68$4,491,016$1,451,665$963,575$2,611,074
69$4,868,708$1,442,404$915,462$2,741,791
70$5,282,392$1,430,157$863,206$2,884,105
71$5,735,659$1,414,698$806,587$3,039,252
72$6,232,465$1,395,788$745,376$3,208,595
73$6,777,167$1,373,171$679,336$3,393,647
74$7,374,560$1,346,579$608,217$3,596,081
75$8,029,931$1,315,728$531,758$3,817,746
76$8,749,100$1,280,314$449,687$4,060,691
77$9,538,477$1,240,018$361,721$4,327,179
78$10,405,126$1,194,503$267,562$4,619,713
79$11,356,824$1,143,409$166,902$4,941,065
80$12,402,143$1,086,359$59,416$5,294,293
81$13,550,523$1,022,952$0$5,682,782
82$14,812,363$952,763$0$6,123,252
83$16,199,121$875,345$0$6,622,586
84$17,723,419$790,225$0$7,171,474
85$19,399,163$696,901$0$7,775,055
86$21,241,673$594,845$0$8,438,997
87$23,267,829$483,498$0$9,169,560
88$25,496,227$362,269$0$9,973,648
89$27,947,357$230,535$0$10,858,883
90$30,643,794$87,637$0$11,833,673
91$33,610,410$0$0$12,907,298
92$36,874,610$0$0$14,121,754
93$40,466,592$0$0$15,504,007
94$44,419,624$0$0$17,025,417
95$48,770,367$0$0$18,700,121
96$53,559,214$0$0$20,543,695
97$58,830,674$0$0$22,573,303
98$64,633,787$0$0$24,807,856
99$71,022,592$0$0$27,268,195
100$78,056,635$0$0$29,977,281