Can I retire at age 52 with 1,290,000?

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 $1,290,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.8%
1 years$106,527$105,578$104,652$103,749$102,866$100,831
2 years$52,736$51,754$50,802$49,879$48,984$46,942
3 years$34,808$33,822$32,872$31,958$31,077$29,092
4 years$25,846$24,863$23,923$23,024$22,165$20,252
5 years$20,470$19,493$18,565$17,685$16,849$15,014
6 years$16,887$15,917$15,003$14,143$13,332$11,577
7 years$14,329$13,367$12,468$11,627$10,843$9,168
8 years$12,411$11,458$10,574$9,754$8,995$7,400
9 years$10,921$9,976$9,107$8,308$7,575$6,058
10 years$9,729$8,794$7,940$7,162$6,454$5,015
11 years$8,754$7,829$6,990$6,233$5,551$4,187
12 years$7,943$7,026$6,203$5,467$4,810$3,520
13 years$7,256$6,350$5,542$4,827$4,195$2,976
14 years$6,669$5,772$4,980$4,284$3,677$2,527
15 years$6,160$5,273$4,496$3,821$3,238$2,154
16 years$5,715$4,838$4,076$3,421$2,861$1,842
17 years$5,323$4,455$3,709$3,074$2,537$1,580
18 years$4,975$4,117$3,386$2,770$2,256$1,357
19 years$4,664$3,815$3,100$2,503$2,011$1,169
20 years$4,384$3,545$2,845$2,267$1,796$1,008
21 years$4,132$3,302$2,617$2,058$1,607$870
22 years$3,902$3,083$2,412$1,871$1,441$752
23 years$3,693$2,883$2,227$1,704$1,293$651
24 years$3,502$2,701$2,059$1,554$1,162$564
25 years$3,326$2,535$1,907$1,419$1,046$489
26 years$3,164$2,383$1,769$1,298$942$424
27 years$3,014$2,242$1,643$1,188$849$368
28 years$2,875$2,113$1,527$1,088$766$320
29 years$2,746$1,993$1,421$998$692$278
30 years$2,626$1,882$1,324$916$625$241
31 years$2,514$1,780$1,234$841$565$210
32 years$2,409$1,684$1,151$773$511$182
33 years$2,310$1,595$1,075$711$463$159
34 years$2,218$1,511$1,004$654$419$138
35 years$2,131$1,433$939$602$380$120
36 years$2,049$1,361$879$555$344$104
37 years$1,971$1,292$822$511$312$91
38 years$1,898$1,228$770$471$283$79
39 years$1,829$1,168$721$434$256$69
40 years$1,764$1,111$676$400$232$60
41 years$1,701$1,058$634$370$211$52
42 years$1,642$1,007$595$341$191$45
43 years$1,586$960$558$315$174$40
44 years$1,533$915$524$291$158$34
45 years$1,482$872$492$268$143$30
46 years$1,433$832$462$248$130$26
47 years$1,387$794$434$229$118$23
48 years$1,342$758$408$212$107$20
49 years$1,300$724$383$196$97$17
50 years$1,259$692$360$181$88$15

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,290,000, adding $4,683 every year, while hoping to spend $20,131 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: 65/16/19 Blend
51$1,290,000$1,290,000$1,290,000$1,290,000
52$1,426,411$1,358,041$1,338,046$1,512,028
53$1,550,485$1,403,165$1,361,451$1,615,185
54$1,686,541$1,449,826$1,384,965$1,725,145
55$1,835,778$1,498,078$1,408,572$1,844,834
56$1,999,520$1,547,976$1,432,251$1,975,205
57$2,179,222$1,599,579$1,455,983$2,117,306
58$2,376,491$1,652,946$1,479,747$2,272,295
59$2,593,093$1,708,140$1,503,518$2,441,442
60$2,830,976$1,765,226$1,527,274$2,626,149
61$3,092,284$1,824,272$1,550,986$2,827,958
62$3,379,382$1,885,345$1,574,629$3,048,569
63$3,694,871$1,948,520$1,598,171$3,289,852
64$4,041,620$2,013,869$1,621,582$3,553,868
65$4,422,789$2,081,472$1,644,828$3,842,886
66$4,841,858$2,151,409$1,667,875$4,159,408
67$5,302,662$2,223,763$1,690,683$4,506,186
68$5,809,426$2,298,620$1,713,214$4,886,253
69$6,366,807$2,376,071$1,735,425$5,302,952
70$6,979,931$2,456,209$1,757,273$5,759,963
71$7,654,452$2,539,131$1,778,709$6,261,341
72$8,396,594$2,624,936$1,799,684$6,811,553
73$9,213,219$2,713,730$1,820,145$7,415,520
74$10,111,884$2,805,621$1,840,037$8,078,664
75$11,100,920$2,900,719$1,859,302$8,806,959
76$12,189,502$2,999,143$1,877,877$9,606,985
77$13,387,743$3,101,012$1,895,698$10,485,993
78$14,706,784$3,206,453$1,912,695$11,451,971
79$16,158,902$3,315,596$1,928,796$12,513,721
80$17,757,625$3,428,575$1,943,926$13,680,942
81$19,517,859$3,545,531$1,958,004$14,964,317
82$21,456,029$3,666,611$1,970,945$16,375,621
83$23,590,234$3,791,965$1,982,662$17,927,826
84$25,940,417$3,921,750$1,993,060$19,635,225
85$28,528,554$4,056,130$2,002,042$21,513,567
86$31,378,861$4,195,275$2,009,505$23,580,208
87$34,518,021$4,339,360$2,015,340$25,854,269
88$37,975,439$4,488,569$2,019,433$28,356,820
89$41,783,516$4,643,091$2,021,667$31,111,080
90$45,977,957$4,803,124$2,021,914$34,142,632
91$50,598,104$4,968,872$2,020,044$37,479,667
92$55,687,314$5,140,551$2,015,919$41,153,249
93$61,293,362$5,318,379$2,009,394$45,197,609
94$67,468,894$5,502,589$2,000,318$49,650,465
95$74,271,924$5,693,419$1,988,531$54,553,384
96$81,766,380$5,891,117$1,973,867$59,952,165
97$90,022,711$6,095,942$1,956,152$65,897,280
98$99,118,547$6,308,162$1,935,202$72,444,345
99$109,139,434$6,528,057$1,910,827$79,654,647
100$120,179,642$6,755,917$1,882,825$87,595,719