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%13.7%
1 years$106,527$105,578$104,652$103,749$102,866$101,287
2 years$52,736$51,754$50,802$49,879$48,984$47,397
3 years$34,808$33,822$32,872$31,958$31,077$29,532
4 years$25,846$24,863$23,923$23,024$22,165$20,672
5 years$20,470$19,493$18,565$17,685$16,849$15,415
6 years$16,887$15,917$15,003$14,143$13,332$11,957
7 years$14,329$13,367$12,468$11,627$10,843$9,527
8 years$12,411$11,458$10,574$9,754$8,995$7,739
9 years$10,921$9,976$9,107$8,308$7,575$6,378
10 years$9,729$8,794$7,940$7,162$6,454$5,315
11 years$8,754$7,829$6,990$6,233$5,551$4,468
12 years$7,943$7,026$6,203$5,467$4,810$3,783
13 years$7,256$6,350$5,542$4,827$4,195$3,221
14 years$6,669$5,772$4,980$4,284$3,677$2,756
15 years$6,160$5,273$4,496$3,821$3,238$2,367
16 years$5,715$4,838$4,076$3,421$2,861$2,040
17 years$5,323$4,455$3,709$3,074$2,537$1,763
18 years$4,975$4,117$3,386$2,770$2,256$1,527
19 years$4,664$3,815$3,100$2,503$2,011$1,326
20 years$4,384$3,545$2,845$2,267$1,796$1,153
21 years$4,132$3,302$2,617$2,058$1,607$1,004
22 years$3,902$3,083$2,412$1,871$1,441$875
23 years$3,693$2,883$2,227$1,704$1,293$764
24 years$3,502$2,701$2,059$1,554$1,162$667
25 years$3,326$2,535$1,907$1,419$1,046$584
26 years$3,164$2,383$1,769$1,298$942$511
27 years$3,014$2,242$1,643$1,188$849$447
28 years$2,875$2,113$1,527$1,088$766$392
29 years$2,746$1,993$1,421$998$692$343
30 years$2,626$1,882$1,324$916$625$301
31 years$2,514$1,780$1,234$841$565$264
32 years$2,409$1,684$1,151$773$511$232
33 years$2,310$1,595$1,075$711$463$203
34 years$2,218$1,511$1,004$654$419$179
35 years$2,131$1,433$939$602$380$157
36 years$2,049$1,361$879$555$344$138
37 years$1,971$1,292$822$511$312$121
38 years$1,898$1,228$770$471$283$106
39 years$1,829$1,168$721$434$256$93
40 years$1,764$1,111$676$400$232$82
41 years$1,701$1,058$634$370$211$72
42 years$1,642$1,007$595$341$191$63
43 years$1,586$960$558$315$174$56
44 years$1,533$915$524$291$158$49
45 years$1,482$872$492$268$143$43
46 years$1,433$832$462$248$130$38
47 years$1,387$794$434$229$118$33
48 years$1,342$758$408$212$107$29
49 years$1,300$724$383$196$97$26
50 years$1,259$692$360$181$88$23

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 $5,494 every year, while hoping to spend $59,784 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: 82/10/8 Blend
51$1,290,000$1,290,000$1,290,000$1,290,000
52$1,427,247$1,358,877$1,338,882$1,542,446
53$1,509,217$1,361,852$1,320,125$1,621,597
54$1,597,543$1,362,970$1,298,736$1,699,944
55$1,692,812$1,362,075$1,274,563$1,784,129
56$1,795,667$1,359,004$1,247,449$1,874,703
57$1,906,814$1,353,584$1,217,227$1,972,273
58$2,027,029$1,345,630$1,183,725$2,077,507
59$2,157,167$1,334,947$1,146,760$2,191,142
60$2,298,165$1,321,326$1,106,143$2,313,986
61$2,451,055$1,304,549$1,061,677$2,446,935
62$2,616,973$1,284,381$1,013,153$2,590,971
63$2,797,164$1,260,577$960,354$2,747,179
64$2,993,004$1,232,874$903,054$2,916,752
65$3,206,000$1,200,994$841,017$3,101,008
66$3,437,815$1,164,646$773,994$3,301,396
67$3,690,276$1,123,518$701,727$3,519,515
68$3,965,396$1,077,281$623,946$3,757,124
69$4,265,387$1,025,589$540,368$4,016,167
70$4,592,685$968,072$450,700$4,298,780
71$4,949,974$904,342$354,633$4,607,322
72$5,340,204$833,988$251,846$4,944,390
73$5,766,626$756,574$142,004$5,312,849
74$6,232,817$671,641$24,756$5,715,854
75$6,742,716$578,704$0$6,156,884
76$7,300,661$477,248$0$6,648,341
77$7,911,427$366,732$0$7,188,695
78$8,580,273$246,582$0$7,780,524
79$9,312,991$116,195$0$8,428,997
80$10,115,958$0$0$9,139,810
81$10,996,199$0$0$9,921,998
82$11,961,449$0$0$10,793,777
83$13,020,230$0$0$11,750,059
84$14,181,925$0$0$12,799,324
85$15,456,873$0$0$13,950,913
86$16,856,460$0$0$15,215,115
87$18,393,229$0$0$16,603,263
88$20,080,997$0$0$18,127,843
89$21,934,984$0$0$19,802,608
90$23,971,958$0$0$21,642,710
91$26,210,391$0$0$23,664,839
92$28,670,633$0$0$25,887,385
93$31,375,103$0$0$28,330,606
94$34,348,502$0$0$31,016,820
95$37,618,041$0$0$33,970,617
96$41,213,701$0$0$37,219,090
97$45,168,516$0$0$40,792,086
98$49,518,879$0$0$44,722,492
99$54,304,888$0$0$49,046,542
100$59,570,726$0$0$53,804,160