Can I retire at age 52 with 1,290,000?

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 $1,290,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.3%
1 years$106,527$105,578$104,652$103,749$102,866$99,415
2 years$52,736$51,754$50,802$49,879$48,984$45,540
3 years$34,808$33,822$32,872$31,958$31,077$27,750
4 years$25,846$24,863$23,923$23,024$22,165$18,979
5 years$20,470$19,493$18,565$17,685$16,849$13,814
6 years$16,887$15,917$15,003$14,143$13,332$10,450
7 years$14,329$13,367$12,468$11,627$10,843$8,112
8 years$12,411$11,458$10,574$9,754$8,995$6,415
9 years$10,921$9,976$9,107$8,308$7,575$5,142
10 years$9,729$8,794$7,940$7,162$6,454$4,165
11 years$8,754$7,829$6,990$6,233$5,551$3,400
12 years$7,943$7,026$6,203$5,467$4,810$2,793
13 years$7,256$6,350$5,542$4,827$4,195$2,306
14 years$6,669$5,772$4,980$4,284$3,677$1,912
15 years$6,160$5,273$4,496$3,821$3,238$1,590
16 years$5,715$4,838$4,076$3,421$2,861$1,327
17 years$5,323$4,455$3,709$3,074$2,537$1,109
18 years$4,975$4,117$3,386$2,770$2,256$929
19 years$4,664$3,815$3,100$2,503$2,011$779
20 years$4,384$3,545$2,845$2,267$1,796$654
21 years$4,132$3,302$2,617$2,058$1,607$550
22 years$3,902$3,083$2,412$1,871$1,441$463
23 years$3,693$2,883$2,227$1,704$1,293$389
24 years$3,502$2,701$2,059$1,554$1,162$328
25 years$3,326$2,535$1,907$1,419$1,046$277
26 years$3,164$2,383$1,769$1,298$942$233
27 years$3,014$2,242$1,643$1,188$849$197
28 years$2,875$2,113$1,527$1,088$766$166
29 years$2,746$1,993$1,421$998$692$140
30 years$2,626$1,882$1,324$916$625$118
31 years$2,514$1,780$1,234$841$565$100
32 years$2,409$1,684$1,151$773$511$84
33 years$2,310$1,595$1,075$711$463$71
34 years$2,218$1,511$1,004$654$419$60
35 years$2,131$1,433$939$602$380$51
36 years$2,049$1,361$879$555$344$43
37 years$1,971$1,292$822$511$312$36
38 years$1,898$1,228$770$471$283$31
39 years$1,829$1,168$721$434$256$26
40 years$1,764$1,111$676$400$232$22
41 years$1,701$1,058$634$370$211$19
42 years$1,642$1,007$595$341$191$16
43 years$1,586$960$558$315$174$13
44 years$1,533$915$524$291$158$11
45 years$1,482$872$492$268$143$9
46 years$1,433$832$462$248$130$8
47 years$1,387$794$434$229$118$7
48 years$1,342$758$408$212$107$6
49 years$1,300$724$383$196$97$5
50 years$1,259$692$360$181$88$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,290,000, adding $3,707 every year, while hoping to spend $55,657 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: 63/15/22 Blend
51$1,290,000$1,290,000$1,290,000$1,290,000
52$1,425,404$1,357,034$1,337,039$1,506,831
53$1,511,576$1,364,310$1,322,611$1,569,500
54$1,604,673$1,370,077$1,305,834$1,631,374
55$1,705,342$1,374,203$1,286,572$1,697,685
56$1,814,294$1,376,546$1,264,679$1,768,874
57$1,932,311$1,376,956$1,240,006$1,845,425
58$2,060,255$1,375,275$1,212,394$1,927,876
59$2,199,071$1,371,333$1,181,679$2,016,818
60$2,349,799$1,364,952$1,147,688$2,112,908
61$2,513,584$1,355,939$1,110,241$2,216,867
62$2,691,684$1,344,095$1,069,148$2,329,497
63$2,885,484$1,329,204$1,024,213$2,451,679
64$3,096,508$1,311,040$975,229$2,584,390
65$3,326,433$1,289,362$921,980$2,728,707
66$3,577,104$1,263,915$864,241$2,885,819
67$3,850,551$1,234,430$801,776$3,057,041
68$4,149,011$1,200,620$734,339$3,243,824
69$4,474,943$1,162,183$661,672$3,447,770
70$4,831,056$1,118,799$583,507$3,670,648
71$5,220,332$1,070,129$499,563$3,914,412
72$5,646,055$1,015,814$409,547$4,181,218
73$6,111,838$955,475$313,153$4,473,447
74$6,621,663$888,710$210,061$4,793,727
75$7,179,912$815,097$99,937$5,144,957
76$7,791,412$734,185$0$5,530,341
77$8,461,478$645,503$0$5,957,538
78$9,195,964$548,548$0$6,451,623
79$10,001,317$442,791$0$6,993,506
80$10,884,639$327,675$0$7,588,027
81$11,853,749$202,608$0$8,240,523
82$12,917,264$66,968$0$8,956,876
83$14,084,671$0$0$9,743,570
84$15,366,424$0$0$10,620,940
85$16,774,038$0$0$11,596,698
86$18,320,195$0$0$12,668,594
87$20,018,869$0$0$13,846,329
88$21,885,454$0$0$15,140,586
89$23,936,906$0$0$16,563,140
90$26,191,910$0$0$18,126,957
91$28,671,048$0$0$19,846,326
92$31,396,996$0$0$21,736,989
93$34,394,738$0$0$23,816,290
94$37,691,800$0$0$26,103,336
95$41,318,509$0$0$28,619,181
96$45,308,280$0$0$31,387,022
97$49,697,930$0$0$34,432,415
98$54,528,022$0$0$37,783,523
99$59,843,251$0$0$41,471,372
100$65,692,866$0$0$45,530,150