Can I retire at age 52 with 1,310,000?

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 $1,310,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.6%
1 years$108,179$107,215$106,275$105,357$104,461$100,835
2 years$53,554$52,556$51,590$50,653$49,743$46,128
3 years$35,348$34,346$33,382$32,454$31,559$28,067
4 years$26,247$25,248$24,294$23,381$22,508$19,167
5 years$20,787$19,795$18,853$17,959$17,110$13,929
6 years$17,149$16,164$15,236$14,362$13,539$10,519
7 years$14,551$13,574$12,661$11,808$11,011$8,152
8 years$12,604$11,636$10,738$9,905$9,135$6,435
9 years$11,090$10,131$9,248$8,437$7,693$5,149
10 years$9,880$8,930$8,063$7,273$6,554$4,162
11 years$8,890$7,950$7,098$6,329$5,637$3,391
12 years$8,066$7,135$6,300$5,552$4,885$2,781
13 years$7,369$6,448$5,628$4,901$4,260$2,291
14 years$6,772$5,861$5,057$4,351$3,734$1,896
15 years$6,255$5,354$4,566$3,880$3,288$1,573
16 years$5,804$4,913$4,140$3,474$2,906$1,309
17 years$5,406$4,524$3,767$3,122$2,576$1,092
18 years$5,052$4,181$3,439$2,813$2,291$912
19 years$4,736$3,875$3,148$2,542$2,042$764
20 years$4,452$3,600$2,889$2,302$1,824$640
21 years$4,196$3,354$2,657$2,089$1,632$537
22 years$3,963$3,131$2,449$1,900$1,463$450
23 years$3,750$2,928$2,261$1,730$1,313$378
24 years$3,556$2,743$2,091$1,578$1,180$318
25 years$3,377$2,574$1,937$1,441$1,062$267
26 years$3,213$2,420$1,797$1,318$957$225
27 years$3,061$2,277$1,668$1,206$863$189
28 years$2,920$2,146$1,551$1,105$778$159
29 years$2,789$2,024$1,443$1,013$703$134
30 years$2,667$1,912$1,344$930$635$113
31 years$2,553$1,807$1,253$854$574$95
32 years$2,446$1,710$1,169$785$519$80
33 years$2,346$1,619$1,092$722$470$68
34 years$2,252$1,535$1,020$664$426$57
35 years$2,164$1,456$954$611$385$48
36 years$2,081$1,382$892$563$349$40
37 years$2,002$1,312$835$519$317$34
38 years$1,928$1,247$782$478$287$29
39 years$1,858$1,186$733$441$260$24
40 years$1,791$1,128$687$407$236$20
41 years$1,728$1,074$644$375$214$17
42 years$1,668$1,023$604$346$194$15
43 years$1,611$975$567$320$176$12
44 years$1,556$929$532$295$160$10
45 years$1,505$886$500$273$145$9
46 years$1,455$845$469$252$132$7
47 years$1,408$806$441$233$120$6
48 years$1,363$770$414$215$109$5
49 years$1,320$735$389$199$99$4
50 years$1,279$702$366$184$90$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,310,000, adding $4,684 every year, while hoping to spend $56,871 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: 34/36/30 Blend
51$1,310,000$1,310,000$1,310,000$1,310,000
52$1,448,452$1,379,022$1,358,717$1,484,448
53$1,535,683$1,386,083$1,343,723$1,519,226
54$1,629,907$1,391,585$1,326,322$1,551,330
55$1,731,775$1,395,390$1,306,371$1,584,872
56$1,842,005$1,397,354$1,283,724$1,620,020
57$1,961,387$1,397,322$1,258,226$1,656,963
58$2,090,788$1,395,130$1,229,716$1,695,914
59$2,231,163$1,390,605$1,198,026$1,737,114
60$2,383,559$1,383,563$1,162,978$1,780,831
61$2,549,132$1,373,807$1,124,387$1,827,366
62$2,729,150$1,361,131$1,082,061$1,877,058
63$2,925,011$1,345,313$1,035,797$1,930,282
64$3,138,250$1,326,122$985,384$1,987,463
65$3,370,558$1,303,309$930,602$2,049,071
66$3,623,797$1,276,612$871,218$2,115,633
67$3,900,013$1,245,755$806,993$2,187,738
68$4,201,461$1,210,444$737,674$2,266,040
69$4,530,621$1,170,367$662,997$2,351,271
70$4,890,225$1,125,195$582,688$2,444,245
71$5,283,279$1,074,581$496,459$2,545,866
72$5,713,093$1,018,155$404,011$2,657,145
73$6,183,313$955,529$305,029$2,779,202
74$6,697,951$886,290$199,187$2,913,283
75$7,261,426$810,002$86,144$3,060,776
76$7,878,604$726,205$0$3,223,218
77$8,554,845$634,412$0$3,413,360
78$9,296,050$534,109$0$3,652,202
79$10,108,719$424,752$0$3,914,370
80$11,000,011$305,768$0$4,202,329
81$11,977,811$176,549$0$4,518,803
82$13,050,804$36,457$0$4,866,802
83$14,228,558$0$0$5,249,656
84$15,521,609$0$0$5,716,672
85$16,941,566$0$0$6,245,585
86$18,501,217$0$0$6,826,739
87$20,214,648$0$0$7,465,410
88$22,097,377$0$0$8,167,410
89$24,166,501$0$0$8,939,140
90$26,440,854$0$0$9,787,655
91$28,941,187$0$0$10,720,724
92$31,690,359$0$0$11,746,911
93$34,713,558$0$0$12,875,648
94$38,038,533$0$0$14,117,328
95$41,695,857$0$0$15,483,404
96$45,719,216$0$0$16,986,491
97$50,145,725$0$0$18,640,493
98$55,016,277$0$0$20,460,726
99$60,375,930$0$0$22,464,068
100$66,274,328$0$0$24,669,116