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

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 $1,330,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.8%
1 years$109,830$108,852$107,897$106,966$106,056$101,888
2 years$54,371$53,359$52,377$51,426$50,503$46,355
3 years$35,888$34,871$33,892$32,949$32,041$28,044
4 years$26,647$25,634$24,664$23,738$22,852$19,035
5 years$21,105$20,097$19,141$18,233$17,372$13,746
6 years$17,411$16,411$15,468$14,581$13,746$10,313
7 years$14,773$13,782$12,854$11,988$11,179$7,938
8 years$12,796$11,813$10,902$10,056$9,274$6,221
9 years$11,259$10,286$9,389$8,566$7,810$4,941
10 years$10,030$9,066$8,186$7,384$6,655$3,964
11 years$9,026$8,071$7,207$6,426$5,723$3,205
12 years$8,189$7,244$6,396$5,637$4,960$2,607
13 years$7,481$6,547$5,714$4,976$4,325$2,130
14 years$6,876$5,951$5,134$4,417$3,791$1,748
15 years$6,351$5,436$4,636$3,939$3,338$1,438
16 years$5,892$4,988$4,203$3,527$2,950$1,187
17 years$5,488$4,593$3,824$3,169$2,616$981
18 years$5,129$4,244$3,491$2,856$2,326$812
19 years$4,809$3,934$3,196$2,581$2,073$674
20 years$4,520$3,655$2,933$2,337$1,852$559
21 years$4,260$3,405$2,698$2,121$1,657$465
22 years$4,023$3,178$2,487$1,929$1,485$386
23 years$3,808$2,973$2,296$1,757$1,333$321
24 years$3,610$2,785$2,123$1,602$1,198$268
25 years$3,429$2,614$1,967$1,463$1,078$223
26 years$3,262$2,457$1,824$1,338$971$186
27 years$3,107$2,312$1,694$1,225$876$155
28 years$2,964$2,178$1,574$1,122$790$129
29 years$2,831$2,055$1,465$1,029$714$108
30 years$2,707$1,941$1,365$944$645$90
31 years$2,592$1,835$1,272$867$583$75
32 years$2,483$1,736$1,187$797$527$62
33 years$2,382$1,644$1,108$733$477$52
34 years$2,287$1,558$1,036$674$432$43
35 years$2,197$1,478$968$621$391$36
36 years$2,112$1,403$906$572$355$30
37 years$2,033$1,332$848$527$321$25
38 years$1,957$1,266$794$486$291$21
39 years$1,886$1,204$744$448$264$18
40 years$1,818$1,146$697$413$240$15
41 years$1,754$1,090$654$381$217$12
42 years$1,693$1,038$613$352$197$10
43 years$1,635$989$575$325$179$9
44 years$1,580$943$540$300$163$7
45 years$1,528$899$507$277$148$6
46 years$1,478$858$476$256$134$5
47 years$1,430$819$448$236$122$4
48 years$1,384$782$421$218$110$3
49 years$1,340$746$395$202$100$3
50 years$1,299$713$372$186$91$2

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 $5,731 every year, while hoping to spend $23,837 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: 49/21/30 Blend
51$1,330,000$1,330,000$1,330,000$1,330,000
52$1,471,572$1,401,082$1,380,467$1,530,861
53$1,596,309$1,444,372$1,401,350$1,616,428
54$1,732,972$1,488,985$1,422,134$1,706,551
55$1,882,749$1,534,960$1,442,790$1,804,018
56$2,046,954$1,582,338$1,463,288$1,909,537
57$2,227,032$1,631,160$1,483,596$2,023,889
58$2,424,572$1,681,470$1,503,680$2,147,930
59$2,641,329$1,733,312$1,523,503$2,282,607
60$2,879,233$1,786,733$1,543,029$2,428,959
61$3,140,410$1,841,778$1,562,216$2,588,134
62$3,427,203$1,898,497$1,581,021$2,761,394
63$3,742,193$1,956,939$1,599,401$2,950,130
64$4,088,223$2,017,155$1,617,307$3,155,872
65$4,468,424$2,079,198$1,634,689$3,380,309
66$4,886,246$2,143,121$1,651,494$3,625,298
67$5,345,491$2,208,982$1,667,667$3,892,888
68$5,850,345$2,276,836$1,683,148$4,185,334
69$6,405,423$2,346,743$1,697,875$4,505,120
70$7,015,806$2,418,764$1,711,784$4,854,984
71$7,687,094$2,492,959$1,724,805$5,237,944
72$8,425,458$2,569,394$1,736,866$5,657,321
73$9,237,694$2,648,135$1,747,891$6,116,778
74$10,131,293$2,729,248$1,757,800$6,620,348
75$11,114,507$2,812,803$1,766,508$7,172,478
76$12,196,429$2,898,871$1,773,928$7,778,066
77$13,387,075$2,987,527$1,779,965$8,442,508
78$14,697,486$3,078,845$1,784,523$9,171,751
79$16,139,824$3,172,903$1,787,499$9,972,350
80$17,727,492$3,269,781$1,788,786$10,851,524
81$19,475,255$3,369,559$1,788,269$11,817,232
82$21,399,387$3,472,323$1,785,832$12,878,240
83$23,517,816$3,578,159$1,781,349$14,044,212
84$25,850,299$3,687,155$1,774,690$15,325,795
85$28,418,606$3,799,402$1,765,719$16,734,722
86$31,246,725$3,914,993$1,754,292$18,283,922
87$34,361,089$4,034,026$1,740,258$19,987,643
88$37,790,825$4,156,598$1,723,462$21,861,586
89$41,568,028$4,282,810$1,703,737$23,923,055
90$45,728,066$4,412,767$1,680,911$26,191,114
91$50,309,911$4,546,575$1,654,804$28,686,778
92$55,356,508$4,684,343$1,625,226$31,433,200
93$60,915,180$4,826,184$1,591,979$34,455,898
94$67,038,074$4,972,213$1,554,856$37,782,992
95$73,782,654$5,122,548$1,513,640$41,445,469
96$81,212,242$5,277,310$1,468,104$45,477,479
97$89,396,616$5,436,624$1,418,012$49,916,654
98$98,412,670$5,600,618$1,363,114$54,804,468
99$108,345,135$5,769,421$1,303,151$60,186,622
100$119,287,385$5,943,168$1,237,853$66,113,481