Can I retire at age 52 with 1,280,000?

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 $1,280,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.1%
1 years$105,701$104,760$103,841$102,944$102,069$98,723
2 years$52,327$51,353$50,408$49,493$48,604$45,265
3 years$34,538$33,560$32,618$31,710$30,837$27,609
4 years$25,646$24,670$23,737$22,846$21,993$18,902
5 years$20,311$19,341$18,421$17,548$16,719$13,772
6 years$16,756$15,794$14,887$14,033$13,229$10,429
7 years$14,218$13,264$12,371$11,537$10,759$8,106
8 years$12,315$11,369$10,492$9,678$8,925$6,417
9 years$10,836$9,899$9,036$8,244$7,516$5,150
10 years$9,653$8,726$7,878$7,106$6,404$4,177
11 years$8,686$7,768$6,936$6,185$5,508$3,414
12 years$7,881$6,972$6,155$5,425$4,773$2,809
13 years$7,200$6,301$5,499$4,789$4,162$2,322
14 years$6,617$5,727$4,941$4,251$3,649$1,928
15 years$6,112$5,232$4,461$3,791$3,212$1,606
16 years$5,671$4,800$4,045$3,395$2,839$1,341
17 years$5,282$4,421$3,681$3,050$2,517$1,123
18 years$4,936$4,085$3,360$2,749$2,238$942
19 years$4,628$3,786$3,076$2,484$1,995$791
20 years$4,350$3,518$2,823$2,250$1,782$665
21 years$4,100$3,277$2,596$2,042$1,595$560
22 years$3,872$3,059$2,393$1,856$1,429$472
23 years$3,664$2,861$2,210$1,691$1,283$398
24 years$3,475$2,680$2,043$1,542$1,153$336
25 years$3,300$2,515$1,893$1,408$1,038$284
26 years$3,139$2,364$1,755$1,288$935$240
27 years$2,991$2,225$1,630$1,179$843$202
28 years$2,853$2,097$1,515$1,080$761$171
29 years$2,725$1,978$1,410$990$687$145
30 years$2,606$1,868$1,313$909$621$122
31 years$2,494$1,766$1,225$835$561$103
32 years$2,390$1,671$1,142$767$507$88
33 years$2,292$1,582$1,067$705$459$74
34 years$2,201$1,500$997$649$416$63
35 years$2,114$1,422$932$597$377$53
36 years$2,033$1,350$872$550$341$45
37 years$1,956$1,282$816$507$309$38
38 years$1,884$1,219$764$467$280$32
39 years$1,815$1,159$716$431$254$27
40 years$1,750$1,102$671$397$231$23
41 years$1,688$1,049$629$367$209$20
42 years$1,630$999$590$338$190$17
43 years$1,574$952$554$312$172$14
44 years$1,521$908$520$288$156$12
45 years$1,470$866$488$266$142$10
46 years$1,422$826$458$246$129$8
47 years$1,376$788$431$227$117$7
48 years$1,332$752$405$210$106$6
49 years$1,290$718$380$194$97$5
50 years$1,250$686$358$179$88$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,280,000, adding $3,495 every year, while hoping to spend $45,856 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: 48/42/10 Blend
51$1,280,000$1,280,000$1,280,000$1,280,000
52$1,414,165$1,346,325$1,326,485$1,478,030
53$1,509,620$1,363,505$1,322,132$1,539,460
54$1,613,273$1,379,989$1,316,096$1,601,040
55$1,725,915$1,395,696$1,308,273$1,666,849
56$1,848,410$1,410,537$1,298,552$1,737,298
57$1,981,713$1,424,419$1,286,819$1,812,836
58$2,126,873$1,437,241$1,272,953$1,893,963
59$2,285,045$1,448,896$1,256,827$1,981,229
60$2,457,499$1,459,272$1,238,310$2,075,243
61$2,645,634$1,468,246$1,217,264$2,176,677
62$2,850,989$1,475,690$1,193,543$2,286,273
63$3,075,259$1,481,468$1,166,995$2,404,852
64$3,320,308$1,485,432$1,137,462$2,533,321
65$3,588,190$1,487,430$1,104,778$2,672,680
66$3,881,167$1,487,295$1,068,769$2,824,034
67$4,201,727$1,484,854$1,029,254$2,988,606
68$4,552,612$1,479,920$986,043$3,167,743
69$4,936,840$1,472,297$938,936$3,362,936
70$5,357,734$1,461,777$887,728$3,575,829
71$5,818,956$1,448,137$832,200$3,808,238
72$6,324,537$1,431,143$772,125$4,062,170
73$6,878,916$1,410,545$707,268$4,339,839
74$7,486,985$1,386,081$637,380$4,643,689
75$8,154,128$1,357,470$562,204$4,976,421
76$8,886,279$1,324,416$481,468$5,341,015
77$9,689,974$1,286,606$394,891$5,740,760
78$10,572,410$1,243,709$302,179$6,179,287
79$11,541,517$1,195,372$203,023$6,660,606
80$12,606,031$1,141,225$97,104$7,189,139
81$13,775,575$1,080,873$0$7,769,769
82$15,060,750$1,013,902$0$8,409,586
83$16,473,234$939,871$0$9,124,002
84$18,025,895$858,316$0$9,909,247
85$19,732,908$768,745$0$10,772,603
86$21,609,890$670,639$0$11,722,101
87$23,674,047$563,448$0$12,766,602
88$25,944,336$446,594$0$13,915,876
89$28,441,644$319,463$0$15,180,702
90$31,188,984$181,409$0$16,572,968
91$34,211,711$31,748$0$18,105,785
92$37,537,761$0$0$19,793,611
93$41,197,917$0$0$21,712,588
94$45,226,095$0$0$23,840,830
95$49,659,666$0$0$26,183,429
96$54,539,807$0$0$28,762,166
97$59,911,890$0$0$31,601,036
98$65,825,910$0$0$34,726,482
99$72,336,955$0$0$38,167,642
100$79,505,726$0$0$41,956,619