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%16.6%
1 years$107,353$106,397$105,464$104,553$103,664$100,871
2 years$53,145$52,155$51,196$50,266$49,364$46,570
3 years$35,078$34,084$33,127$32,206$31,318$28,611
4 years$26,046$25,055$24,108$23,202$22,337$19,737
5 years$20,629$19,644$18,709$17,822$16,980$14,495
6 years$17,018$16,041$15,120$14,252$13,436$11,067
7 years$14,440$13,471$12,564$11,718$10,927$8,675
8 years$12,508$11,547$10,656$9,830$9,065$6,929
9 years$11,005$10,054$9,178$8,373$7,634$5,612
10 years$9,804$8,862$8,001$7,217$6,504$4,594
11 years$8,822$7,889$7,044$6,281$5,594$3,792
12 years$8,004$7,081$6,252$5,509$4,848$3,150
13 years$7,313$6,399$5,585$4,864$4,227$2,631
14 years$6,720$5,817$5,018$4,318$3,706$2,207
15 years$6,208$5,314$4,531$3,851$3,263$1,858
16 years$5,759$4,875$4,108$3,448$2,884$1,569
17 years$5,364$4,490$3,738$3,098$2,557$1,328
18 years$5,014$4,149$3,412$2,792$2,273$1,126
19 years$4,700$3,845$3,124$2,523$2,026$957
20 years$4,418$3,573$2,867$2,285$1,810$814
21 years$4,164$3,328$2,637$2,074$1,620$693
22 years$3,932$3,107$2,430$1,885$1,452$591
23 years$3,722$2,906$2,244$1,717$1,303$504
24 years$3,529$2,722$2,075$1,566$1,171$431
25 years$3,352$2,555$1,922$1,430$1,054$368
26 years$3,188$2,401$1,783$1,308$949$315
27 years$3,037$2,260$1,655$1,197$856$269
28 years$2,897$2,129$1,539$1,097$772$230
29 years$2,767$2,009$1,432$1,006$697$197
30 years$2,646$1,897$1,334$923$630$169
31 years$2,533$1,793$1,244$848$570$145
32 years$2,427$1,697$1,160$779$515$124
33 years$2,328$1,607$1,083$716$466$106
34 years$2,235$1,523$1,012$659$422$91
35 years$2,147$1,445$946$607$382$78
36 years$2,065$1,371$885$559$347$67
37 years$1,987$1,302$829$515$314$57
38 years$1,913$1,238$776$475$285$49
39 years$1,843$1,177$727$438$258$42
40 years$1,777$1,120$681$404$234$36
41 years$1,715$1,066$639$372$212$31
42 years$1,655$1,015$599$344$193$26
43 years$1,598$967$562$317$175$23
44 years$1,545$922$528$293$159$19
45 years$1,493$879$496$271$144$17
46 years$1,444$839$466$250$131$14
47 years$1,398$800$437$231$119$12
48 years$1,353$764$411$213$108$11
49 years$1,310$730$386$197$98$9
50 years$1,269$697$363$182$89$8

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 $3,731 every year, while hoping to spend $40,410 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: 54/29/17 Blend
51$1,300,000$1,300,000$1,300,000$1,300,000
52$1,436,449$1,367,549$1,347,399$1,507,266
53$1,539,970$1,391,562$1,349,540$1,580,064
54$1,652,697$1,415,399$1,350,400$1,654,649
55$1,775,525$1,439,006$1,349,891$1,734,939
56$1,909,440$1,462,329$1,347,924$1,821,486
57$2,055,528$1,485,308$1,344,404$1,914,904
58$2,214,984$1,507,880$1,339,234$2,015,866
59$2,389,123$1,529,977$1,332,309$2,125,117
60$2,579,392$1,551,525$1,323,520$2,243,476
61$2,787,386$1,572,446$1,312,754$2,371,848
62$3,014,860$1,592,656$1,299,892$2,511,231
63$3,263,746$1,612,066$1,284,808$2,662,727
64$3,536,171$1,630,580$1,267,373$2,827,550
65$3,834,479$1,648,097$1,247,448$3,007,037
66$4,161,249$1,664,507$1,224,890$3,202,668
67$4,519,322$1,679,694$1,199,550$3,416,070
68$4,911,829$1,693,534$1,171,271$3,649,041
69$5,342,214$1,705,896$1,139,887$3,903,564
70$5,814,274$1,716,640$1,105,228$4,181,823
71$6,332,190$1,725,615$1,067,112$4,486,229
72$6,900,566$1,732,662$1,025,353$4,819,443
73$7,524,475$1,737,614$979,754$5,184,397
74$8,209,504$1,740,290$930,108$5,584,324
75$8,961,808$1,740,499$876,202$6,022,793
76$9,788,168$1,738,039$817,810$6,503,737
77$10,696,053$1,732,695$754,699$7,031,494
78$11,693,691$1,724,237$686,622$7,610,849
79$12,790,147$1,712,425$613,323$8,247,077
80$13,995,409$1,697,000$534,536$8,945,996
81$15,320,478$1,677,690$449,980$9,714,022
82$16,777,476$1,654,207$359,364$10,558,230
83$18,379,759$1,626,243$262,383$11,486,421
84$20,142,041$1,593,476$158,720$12,507,196
85$22,080,533$1,555,560$48,041$13,630,039
86$24,213,098$1,512,133$0$14,865,410
87$26,559,415$1,462,808$0$16,237,548
88$29,141,169$1,407,180$0$17,756,584
89$31,982,252$1,344,815$0$19,427,880
90$35,108,988$1,275,258$0$21,266,961
91$38,550,385$1,198,025$0$23,290,943
92$42,338,404$1,112,607$0$25,518,689
93$46,508,260$1,018,464$0$27,970,991
94$51,098,759$915,025$0$30,670,766
95$56,152,658$801,688$0$33,643,275
96$61,717,073$677,814$0$36,916,362
97$67,843,918$542,731$0$40,520,714
98$74,590,401$395,728$0$44,490,157
99$82,019,556$236,053$0$48,861,973
100$90,200,845$62,913$0$53,677,256