Can I retire at age 52 with 1,300,000?

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 $1,300,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.5%
1 years$107,353$106,397$105,464$104,553$103,664$101,737
2 years$53,145$52,155$51,196$50,266$49,364$47,430
3 years$35,078$34,084$33,127$32,206$31,318$29,438
4 years$26,046$25,055$24,108$23,202$22,337$20,523
5 years$20,629$19,644$18,709$17,822$16,980$15,239
6 years$17,018$16,041$15,120$14,252$13,436$11,770
7 years$14,440$13,471$12,564$11,718$10,927$9,336
8 years$12,508$11,547$10,656$9,830$9,065$7,549
9 years$11,005$10,054$9,178$8,373$7,634$6,192
10 years$9,804$8,862$8,001$7,217$6,504$5,135
11 years$8,822$7,889$7,044$6,281$5,594$4,295
12 years$8,004$7,081$6,252$5,509$4,848$3,618
13 years$7,313$6,399$5,585$4,864$4,227$3,064
14 years$6,720$5,817$5,018$4,318$3,706$2,608
15 years$6,208$5,314$4,531$3,851$3,263$2,228
16 years$5,759$4,875$4,108$3,448$2,884$1,909
17 years$5,364$4,490$3,738$3,098$2,557$1,640
18 years$5,014$4,149$3,412$2,792$2,273$1,413
19 years$4,700$3,845$3,124$2,523$2,026$1,219
20 years$4,418$3,573$2,867$2,285$1,810$1,054
21 years$4,164$3,328$2,637$2,074$1,620$912
22 years$3,932$3,107$2,430$1,885$1,452$790
23 years$3,722$2,906$2,244$1,717$1,303$686
24 years$3,529$2,722$2,075$1,566$1,171$595
25 years$3,352$2,555$1,922$1,430$1,054$517
26 years$3,188$2,401$1,783$1,308$949$450
27 years$3,037$2,260$1,655$1,197$856$391
28 years$2,897$2,129$1,539$1,097$772$341
29 years$2,767$2,009$1,432$1,006$697$297
30 years$2,646$1,897$1,334$923$630$258
31 years$2,533$1,793$1,244$848$570$225
32 years$2,427$1,697$1,160$779$515$196
33 years$2,328$1,607$1,083$716$466$171
34 years$2,235$1,523$1,012$659$422$149
35 years$2,147$1,445$946$607$382$130
36 years$2,065$1,371$885$559$347$114
37 years$1,987$1,302$829$515$314$99
38 years$1,913$1,238$776$475$285$86
39 years$1,843$1,177$727$438$258$75
40 years$1,777$1,120$681$404$234$66
41 years$1,715$1,066$639$372$212$57
42 years$1,655$1,015$599$344$193$50
43 years$1,598$967$562$317$175$44
44 years$1,545$922$528$293$159$38
45 years$1,493$879$496$271$144$33
46 years$1,444$839$466$250$131$29
47 years$1,398$800$437$231$119$25
48 years$1,353$764$411$213$108$22
49 years$1,310$730$386$197$98$19
50 years$1,269$697$363$182$89$17

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,300,000, adding $6,242 every year, while hoping to spend $45,972 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: 42/42/16 Blend
51$1,300,000$1,300,000$1,300,000$1,300,000
52$1,439,039$1,370,139$1,349,989$1,492,492
53$1,536,907$1,388,362$1,346,299$1,549,015
54$1,643,217$1,405,937$1,340,946$1,605,183
55$1,758,781$1,422,784$1,333,824$1,665,025
56$1,884,493$1,438,817$1,324,823$1,728,898
57$2,021,337$1,453,944$1,313,830$1,797,198
58$2,170,395$1,468,069$1,300,725$1,870,364
59$2,332,857$1,481,086$1,285,382$1,948,880
60$2,510,035$1,492,886$1,267,668$2,033,282
61$2,703,370$1,503,349$1,247,447$2,124,163
62$2,914,451$1,512,350$1,224,573$2,222,179
63$3,145,025$1,519,756$1,198,897$2,328,054
64$3,397,017$1,525,423$1,170,259$2,442,592
65$3,672,544$1,529,201$1,138,495$2,566,678
66$3,973,940$1,530,928$1,103,431$2,701,293
67$4,303,773$1,530,434$1,064,886$2,847,520
68$4,664,870$1,527,537$1,022,672$3,006,557
69$5,060,345$1,522,045$976,590$3,179,728
70$5,493,628$1,513,753$926,434$3,368,495
71$5,968,495$1,502,444$871,986$3,574,477
72$6,489,107$1,487,889$813,023$3,799,458
73$7,060,043$1,469,842$749,306$4,045,414
74$7,686,349$1,448,047$680,590$4,314,525
75$8,373,584$1,422,228$606,616$4,609,201
76$9,127,868$1,392,096$527,117$4,932,101
77$9,955,944$1,357,342$441,809$5,286,167
78$10,865,241$1,317,643$350,400$5,674,643
79$11,863,941$1,272,652$252,584$6,101,114
80$12,961,057$1,222,007$148,039$6,569,540
81$14,166,519$1,165,319$36,433$7,084,290
82$15,491,267$1,102,182$0$7,650,191
83$16,947,351$1,032,165$0$8,286,685
84$18,548,049$954,809$0$8,993,093
85$20,307,988$869,633$0$9,769,747
86$22,243,285$776,127$0$10,623,882
87$24,371,694$673,751$0$11,563,476
88$26,712,778$561,936$0$12,597,332
89$29,288,090$440,080$0$13,735,162
90$32,121,379$307,547$0$14,987,675
91$35,238,809$163,666$0$16,366,687
92$38,669,209$7,728$0$17,885,227
93$42,444,346$0$0$19,557,667
94$46,599,220$0$0$21,474,276
95$51,172,396$0$0$23,587,972
96$56,206,367$0$0$25,914,851
97$61,747,956$0$0$28,476,579
98$67,848,757$0$0$31,297,034
99$74,565,618$0$0$34,402,525
100$81,961,182$0$0$37,822,041