Can I retire at age 52 with 1,330,000?

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 $1,330,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15%
1 years$109,830$108,852$107,897$106,966$106,056$103,872
2 years$54,371$53,359$52,377$51,426$50,503$48,313
3 years$35,888$34,871$33,892$32,949$32,041$29,913
4 years$26,647$25,634$24,664$23,738$22,852$20,802
5 years$21,105$20,097$19,141$18,233$17,372$15,406
6 years$17,411$16,411$15,468$14,581$13,746$11,866
7 years$14,773$13,782$12,854$11,988$11,179$9,386
8 years$12,796$11,813$10,902$10,056$9,274$7,567
9 years$11,259$10,286$9,389$8,566$7,810$6,188
10 years$10,030$9,066$8,186$7,384$6,655$5,116
11 years$9,026$8,071$7,207$6,426$5,723$4,266
12 years$8,189$7,244$6,396$5,637$4,960$3,582
13 years$7,481$6,547$5,714$4,976$4,325$3,024
14 years$6,876$5,951$5,134$4,417$3,791$2,564
15 years$6,351$5,436$4,636$3,939$3,338$2,183
16 years$5,892$4,988$4,203$3,527$2,950$1,864
17 years$5,488$4,593$3,824$3,169$2,616$1,596
18 years$5,129$4,244$3,491$2,856$2,326$1,370
19 years$4,809$3,934$3,196$2,581$2,073$1,178
20 years$4,520$3,655$2,933$2,337$1,852$1,014
21 years$4,260$3,405$2,698$2,121$1,657$874
22 years$4,023$3,178$2,487$1,929$1,485$755
23 years$3,808$2,973$2,296$1,757$1,333$652
24 years$3,610$2,785$2,123$1,602$1,198$564
25 years$3,429$2,614$1,967$1,463$1,078$488
26 years$3,262$2,457$1,824$1,338$971$423
27 years$3,107$2,312$1,694$1,225$876$366
28 years$2,964$2,178$1,574$1,122$790$318
29 years$2,831$2,055$1,465$1,029$714$275
30 years$2,707$1,941$1,365$944$645$239
31 years$2,592$1,835$1,272$867$583$207
32 years$2,483$1,736$1,187$797$527$180
33 years$2,382$1,644$1,108$733$477$156
34 years$2,287$1,558$1,036$674$432$136
35 years$2,197$1,478$968$621$391$118
36 years$2,112$1,403$906$572$355$102
37 years$2,033$1,332$848$527$321$89
38 years$1,957$1,266$794$486$291$77
39 years$1,886$1,204$744$448$264$67
40 years$1,818$1,146$697$413$240$58
41 years$1,754$1,090$654$381$217$51
42 years$1,693$1,038$613$352$197$44
43 years$1,635$989$575$325$179$38
44 years$1,580$943$540$300$163$33
45 years$1,528$899$507$277$148$29
46 years$1,478$858$476$256$134$25
47 years$1,430$819$448$236$122$22
48 years$1,384$782$421$218$110$19
49 years$1,340$746$395$202$100$17
50 years$1,299$713$372$186$91$14

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,330,000, adding $3,748 every year, while hoping to spend $36,869 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: 53/32/15 Blend
51$1,330,000$1,330,000$1,330,000$1,330,000
52$1,469,526$1,399,036$1,378,421$1,541,320
53$1,580,189$1,428,360$1,385,370$1,620,097
54$1,700,905$1,457,886$1,391,316$1,701,528
55$1,832,658$1,487,584$1,396,186$1,789,299
56$1,976,536$1,517,422$1,399,905$1,884,023
57$2,133,733$1,547,366$1,402,392$1,986,374
58$2,305,565$1,577,379$1,403,564$2,097,095
59$2,493,482$1,607,419$1,403,332$2,217,005
60$2,699,077$1,637,442$1,401,604$2,347,007
61$2,924,108$1,667,402$1,398,282$2,488,095
62$3,170,508$1,697,246$1,393,266$2,641,366
63$3,440,407$1,726,918$1,386,448$2,808,030
64$3,736,151$1,756,360$1,377,716$2,989,417
65$4,060,323$1,785,506$1,366,954$3,186,998
66$4,415,768$1,814,288$1,354,039$3,402,393
67$4,805,618$1,842,630$1,338,841$3,637,385
68$5,233,326$1,870,454$1,321,227$3,893,944
69$5,702,693$1,897,673$1,301,056$4,174,239
70$6,217,905$1,924,196$1,278,179$4,480,662
71$6,783,575$1,949,926$1,252,441$4,815,851
72$7,404,784$1,974,757$1,223,683$5,182,713
73$8,087,129$1,998,577$1,191,733$5,584,453
74$8,836,775$2,021,266$1,156,415$6,024,604
75$9,660,515$2,042,697$1,117,544$6,507,063
76$10,565,832$2,062,734$1,074,926$7,036,124
77$11,560,969$2,081,230$1,028,359$7,616,522
78$12,655,010$2,098,032$977,630$8,253,478
79$13,857,959$2,112,974$922,519$8,952,745
80$15,180,841$2,125,880$862,794$9,720,668
81$16,635,803$2,136,564$798,213$10,564,241
82$18,236,226$2,144,826$728,524$11,491,174
83$19,996,854$2,150,457$653,463$12,509,968
84$21,933,934$2,153,229$572,755$13,629,992
85$24,065,364$2,152,906$486,110$14,861,575
86$26,410,865$2,149,233$393,230$16,216,107
87$28,992,170$2,141,941$293,799$17,706,139
88$31,833,220$2,130,746$187,490$19,345,509
89$34,960,399$2,115,342$73,962$21,149,472
90$38,402,776$2,095,410$0$23,134,844
91$42,192,382$2,070,609$0$25,327,713
92$46,364,513$2,040,576$0$27,754,085
93$50,958,059$2,004,931$0$30,424,693
94$56,015,874$1,963,265$0$33,364,432
95$61,585,180$1,915,152$0$36,600,736
96$67,718,009$1,860,135$0$40,163,843
97$74,471,697$1,797,733$0$44,087,078
98$81,909,424$1,727,436$0$48,407,172
99$90,100,811$1,648,706$0$53,164,605
100$99,122,573$1,560,971$0$58,403,991