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

Use the below retirement simulation to view the chances of a successful retirement.
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%14.2%
1 years$107,353$106,397$105,464$104,553$103,664$101,863
2 years$53,145$52,155$51,196$50,266$49,364$47,555
3 years$35,078$34,084$33,127$32,206$31,318$29,558
4 years$26,046$25,055$24,108$23,202$22,337$20,639
5 years$20,629$19,644$18,709$17,822$16,980$15,349
6 years$17,018$16,041$15,120$14,252$13,436$11,874
7 years$14,440$13,471$12,564$11,718$10,927$9,434
8 years$12,508$11,547$10,656$9,830$9,065$7,642
9 years$11,005$10,054$9,178$8,373$7,634$6,279
10 years$9,804$8,862$8,001$7,217$6,504$5,217
11 years$8,822$7,889$7,044$6,281$5,594$4,372
12 years$8,004$7,081$6,252$5,509$4,848$3,690
13 years$7,313$6,399$5,585$4,864$4,227$3,132
14 years$6,720$5,817$5,018$4,318$3,706$2,670
15 years$6,208$5,314$4,531$3,851$3,263$2,286
16 years$5,759$4,875$4,108$3,448$2,884$1,963
17 years$5,364$4,490$3,738$3,098$2,557$1,690
18 years$5,014$4,149$3,412$2,792$2,273$1,459
19 years$4,700$3,845$3,124$2,523$2,026$1,262
20 years$4,418$3,573$2,867$2,285$1,810$1,093
21 years$4,164$3,328$2,637$2,074$1,620$948
22 years$3,932$3,107$2,430$1,885$1,452$824
23 years$3,722$2,906$2,244$1,717$1,303$716
24 years$3,529$2,722$2,075$1,566$1,171$623
25 years$3,352$2,555$1,922$1,430$1,054$543
26 years$3,188$2,401$1,783$1,308$949$473
27 years$3,037$2,260$1,655$1,197$856$413
28 years$2,897$2,129$1,539$1,097$772$360
29 years$2,767$2,009$1,432$1,006$697$314
30 years$2,646$1,897$1,334$923$630$274
31 years$2,533$1,793$1,244$848$570$240
32 years$2,427$1,697$1,160$779$515$210
33 years$2,328$1,607$1,083$716$466$183
34 years$2,235$1,523$1,012$659$422$160
35 years$2,147$1,445$946$607$382$140
36 years$2,065$1,371$885$559$347$122
37 years$1,987$1,302$829$515$314$107
38 years$1,913$1,238$776$475$285$94
39 years$1,843$1,177$727$438$258$82
40 years$1,777$1,120$681$404$234$72
41 years$1,715$1,066$639$372$212$63
42 years$1,655$1,015$599$344$193$55
43 years$1,598$967$562$317$175$48
44 years$1,545$922$528$293$159$42
45 years$1,493$879$496$271$144$37
46 years$1,444$839$466$250$131$32
47 years$1,398$800$437$231$119$28
48 years$1,353$764$411$213$108$25
49 years$1,310$730$386$197$98$22
50 years$1,269$697$363$182$89$19

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 $5,191 every year, while hoping to spend $34,450 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: 38/41/21 Blend
51$1,300,000$1,300,000$1,300,000$1,300,000
52$1,437,955$1,369,055$1,348,905$1,483,381
53$1,547,971$1,399,484$1,357,438$1,547,159
54$1,668,055$1,430,249$1,365,103$1,612,417
55$1,799,197$1,461,331$1,371,834$1,682,241
56$1,942,486$1,492,708$1,377,562$1,757,064
57$2,099,124$1,524,355$1,382,214$1,837,362
58$2,270,432$1,556,245$1,385,716$1,923,660
59$2,457,864$1,588,350$1,387,986$2,016,539
60$2,663,025$1,620,637$1,388,941$2,116,637
61$2,887,676$1,653,072$1,388,494$2,224,660
62$3,133,763$1,685,616$1,386,552$2,341,384
63$3,403,424$1,718,228$1,383,019$2,467,667
64$3,699,016$1,750,864$1,377,793$2,604,455
65$4,023,135$1,783,475$1,370,768$2,752,791
66$4,378,638$1,816,009$1,361,832$2,913,825
67$4,768,675$1,848,409$1,350,869$3,088,826
68$5,196,713$1,880,614$1,337,757$3,279,194
69$5,666,572$1,912,559$1,322,366$3,486,472
70$6,182,460$1,944,173$1,304,563$3,712,364
71$6,749,013$1,975,379$1,284,208$3,958,746
72$7,371,337$2,006,097$1,261,153$4,227,691
73$8,055,056$2,036,238$1,235,245$4,521,483
74$8,806,367$2,065,710$1,206,321$4,842,641
75$9,632,098$2,094,410$1,174,214$5,193,946
76$10,539,768$2,122,233$1,138,747$5,578,461
77$11,537,665$2,149,063$1,099,736$5,999,568
78$12,634,917$2,174,777$1,056,987$6,460,995
79$13,841,582$2,199,244$1,010,299$6,966,853
80$15,168,740$2,222,324$959,461$7,521,677
81$16,628,601$2,243,868$904,252$8,130,467
82$18,234,616$2,263,715$844,442$8,798,739
83$20,001,606$2,281,696$779,790$9,532,573
84$21,945,902$2,297,631$710,045$10,338,675
85$24,085,496$2,311,328$634,944$11,224,442
86$26,440,214$2,322,580$554,212$12,198,026
87$29,031,900$2,331,170$467,562$13,268,421
88$31,884,623$2,336,867$374,695$14,445,541
89$35,024,906$2,339,425$275,298$15,740,318
90$38,481,971$2,338,581$169,045$17,164,807
91$42,288,019$2,334,059$55,596$18,732,300
92$46,478,532$2,325,563$0$20,457,451
93$51,092,607$2,312,780$0$22,371,088
94$56,173,326$2,295,379$0$24,490,602
95$61,768,160$2,273,008$0$26,823,251
96$67,929,420$2,245,292$0$29,390,778
97$74,714,746$2,211,837$0$32,217,150
98$82,187,657$2,172,224$0$35,328,786
99$90,418,142$2,126,007$0$38,754,802
100$99,483,329$2,072,718$0$42,527,293