Can I retire at age 52 with 1,280,000?

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 $1,280,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.5%
1 years$105,701$104,760$103,841$102,944$102,069$98,174
2 years$52,327$51,353$50,408$49,493$48,604$44,726
3 years$34,538$33,560$32,618$31,710$30,837$27,097
4 years$25,646$24,670$23,737$22,846$21,993$18,421
5 years$20,311$19,341$18,421$17,548$16,719$13,323
6 years$16,756$15,794$14,887$14,033$13,229$10,012
7 years$14,218$13,264$12,371$11,537$10,759$7,719
8 years$12,315$11,369$10,492$9,678$8,925$6,061
9 years$10,836$9,899$9,036$8,244$7,516$4,823
10 years$9,653$8,726$7,878$7,106$6,404$3,876
11 years$8,686$7,768$6,936$6,185$5,508$3,140
12 years$7,881$6,972$6,155$5,425$4,773$2,559
13 years$7,200$6,301$5,499$4,789$4,162$2,096
14 years$6,617$5,727$4,941$4,251$3,649$1,723
15 years$6,112$5,232$4,461$3,791$3,212$1,421
16 years$5,671$4,800$4,045$3,395$2,839$1,175
17 years$5,282$4,421$3,681$3,050$2,517$973
18 years$4,936$4,085$3,360$2,749$2,238$808
19 years$4,628$3,786$3,076$2,484$1,995$671
20 years$4,350$3,518$2,823$2,250$1,782$559
21 years$4,100$3,277$2,596$2,042$1,595$465
22 years$3,872$3,059$2,393$1,856$1,429$388
23 years$3,664$2,861$2,210$1,691$1,283$323
24 years$3,475$2,680$2,043$1,542$1,153$270
25 years$3,300$2,515$1,893$1,408$1,038$225
26 years$3,139$2,364$1,755$1,288$935$188
27 years$2,991$2,225$1,630$1,179$843$157
28 years$2,853$2,097$1,515$1,080$761$131
29 years$2,725$1,978$1,410$990$687$110
30 years$2,606$1,868$1,313$909$621$92
31 years$2,494$1,766$1,225$835$561$77
32 years$2,390$1,671$1,142$767$507$64
33 years$2,292$1,582$1,067$705$459$54
34 years$2,201$1,500$997$649$416$45
35 years$2,114$1,422$932$597$377$38
36 years$2,033$1,350$872$550$341$31
37 years$1,956$1,282$816$507$309$26
38 years$1,884$1,219$764$467$280$22
39 years$1,815$1,159$716$431$254$18
40 years$1,750$1,102$671$397$231$15
41 years$1,688$1,049$629$367$209$13
42 years$1,630$999$590$338$190$11
43 years$1,574$952$554$312$172$9
44 years$1,521$908$520$288$156$8
45 years$1,470$866$488$266$142$6
46 years$1,422$826$458$246$129$5
47 years$1,376$788$431$227$117$4
48 years$1,332$752$405$210$106$4
49 years$1,290$718$380$194$97$3
50 years$1,250$686$358$179$88$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,280,000, adding $3,822 every year, while hoping to spend $43,652 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: 47/37/16 Blend
51$1,280,000$1,280,000$1,280,000$1,280,000
52$1,414,502$1,346,662$1,326,822$1,474,429
53$1,512,336$1,366,203$1,324,826$1,535,955
54$1,618,686$1,385,239$1,321,299$1,597,947
55$1,734,375$1,403,698$1,316,145$1,664,287
56$1,860,307$1,421,505$1,309,261$1,735,397
57$1,997,478$1,438,579$1,300,542$1,811,743
58$2,146,985$1,454,833$1,289,874$1,893,841
59$2,310,032$1,470,176$1,277,140$1,982,261
60$2,487,949$1,484,507$1,262,217$2,077,632
61$2,682,195$1,497,724$1,244,977$2,180,649
62$2,894,379$1,509,712$1,225,284$2,292,078
63$3,126,272$1,520,355$1,202,997$2,412,768
64$3,379,823$1,529,523$1,177,969$2,543,655
65$3,657,179$1,537,083$1,150,045$2,685,772
66$3,960,702$1,542,891$1,119,062$2,840,261
67$4,292,995$1,546,794$1,084,852$3,008,383
68$4,656,923$1,548,630$1,047,237$3,191,530
69$5,055,642$1,548,226$1,006,032$3,391,239
70$5,492,627$1,545,399$961,044$3,609,206
71$5,971,707$1,539,954$912,071$3,847,306
72$6,497,095$1,531,687$858,899$4,107,607
73$7,073,436$1,520,376$801,310$4,392,393
74$7,705,843$1,505,791$739,070$4,704,183
75$8,399,950$1,487,686$671,940$5,045,761
76$9,161,961$1,465,798$599,666$5,420,197
77$9,998,711$1,439,853$521,985$5,830,881
78$10,917,730$1,409,556$438,622$6,281,554
79$11,927,312$1,374,598$349,289$6,776,344
80$13,036,595$1,334,651$253,688$7,319,806
81$14,255,645$1,289,365$151,503$7,916,969
82$15,595,551$1,238,375$42,409$8,573,378
83$17,068,531$1,181,289$0$9,295,155
84$18,688,046$1,117,697$0$10,101,688
85$20,468,925$1,047,162$0$10,996,340
86$22,427,506$969,224$0$11,980,147
87$24,581,791$883,396$0$13,062,242
88$26,951,614$789,162$0$14,252,699
89$29,558,827$685,979$0$15,562,624
90$32,427,507$573,272$0$17,004,263
91$35,584,183$450,433$0$18,591,122
92$39,058,086$316,821$0$20,338,090
93$42,881,424$171,757$0$22,261,585
94$47,089,683$14,527$0$24,379,710
95$51,721,967$0$0$26,712,423
96$56,821,361$0$0$29,345,095
97$62,435,342$0$0$32,250,124
98$68,616,222$0$0$35,448,688
99$75,421,646$0$0$38,970,641
100$82,915,129$0$0$42,848,879