Can I retire at age 52 with 1,300,000?

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 $1,300,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.2%
1 years$107,353$106,397$105,464$104,553$103,664$101,035
2 years$53,145$52,155$51,196$50,266$49,364$46,732
3 years$35,078$34,084$33,127$32,206$31,318$28,766
4 years$26,046$25,055$24,108$23,202$22,337$19,884
5 years$20,629$19,644$18,709$17,822$16,980$14,633
6 years$17,018$16,041$15,120$14,252$13,436$11,198
7 years$14,440$13,471$12,564$11,718$10,927$8,797
8 years$12,508$11,547$10,656$9,830$9,065$7,043
9 years$11,005$10,054$9,178$8,373$7,634$5,718
10 years$9,804$8,862$8,001$7,217$6,504$4,692
11 years$8,822$7,889$7,044$6,281$5,594$3,883
12 years$8,004$7,081$6,252$5,509$4,848$3,235
13 years$7,313$6,399$5,585$4,864$4,227$2,709
14 years$6,720$5,817$5,018$4,318$3,706$2,279
15 years$6,208$5,314$4,531$3,851$3,263$1,924
16 years$5,759$4,875$4,108$3,448$2,884$1,629
17 years$5,364$4,490$3,738$3,098$2,557$1,383
18 years$5,014$4,149$3,412$2,792$2,273$1,176
19 years$4,700$3,845$3,124$2,523$2,026$1,002
20 years$4,418$3,573$2,867$2,285$1,810$855
21 years$4,164$3,328$2,637$2,074$1,620$730
22 years$3,932$3,107$2,430$1,885$1,452$625
23 years$3,722$2,906$2,244$1,717$1,303$535
24 years$3,529$2,722$2,075$1,566$1,171$458
25 years$3,352$2,555$1,922$1,430$1,054$393
26 years$3,188$2,401$1,783$1,308$949$337
27 years$3,037$2,260$1,655$1,197$856$289
28 years$2,897$2,129$1,539$1,097$772$248
29 years$2,767$2,009$1,432$1,006$697$213
30 years$2,646$1,897$1,334$923$630$183
31 years$2,533$1,793$1,244$848$570$157
32 years$2,427$1,697$1,160$779$515$135
33 years$2,328$1,607$1,083$716$466$116
34 years$2,235$1,523$1,012$659$422$100
35 years$2,147$1,445$946$607$382$86
36 years$2,065$1,371$885$559$347$74
37 years$1,987$1,302$829$515$314$64
38 years$1,913$1,238$776$475$285$55
39 years$1,843$1,177$727$438$258$47
40 years$1,777$1,120$681$404$234$40
41 years$1,715$1,066$639$372$212$35
42 years$1,655$1,015$599$344$193$30
43 years$1,598$967$562$317$175$26
44 years$1,545$922$528$293$159$22
45 years$1,493$879$496$271$144$19
46 years$1,444$839$466$250$131$16
47 years$1,398$800$437$231$119$14
48 years$1,353$764$411$213$108$12
49 years$1,310$730$386$197$98$10
50 years$1,269$697$363$182$89$9

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,300,000, adding $4,182 every year, while hoping to spend $22,008 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: 24/47/29 Blend
51$1,300,000$1,300,000$1,300,000$1,300,000
52$1,436,914$1,368,014$1,347,864$1,458,235
53$1,560,063$1,411,630$1,369,601$1,520,411
54$1,695,035$1,456,646$1,391,328$1,584,857
55$1,843,014$1,503,107$1,413,023$1,653,447
56$2,005,302$1,551,059$1,434,660$1,726,541
57$2,183,333$1,600,552$1,456,212$1,804,534
58$2,378,689$1,651,635$1,477,651$1,887,860
59$2,593,110$1,704,360$1,498,946$1,976,997
60$2,828,513$1,758,779$1,520,067$2,072,468
61$3,087,011$1,814,949$1,540,979$2,174,849
62$3,370,930$1,872,926$1,561,646$2,284,772
63$3,682,834$1,932,768$1,582,030$2,402,934
64$4,025,546$1,994,537$1,602,091$2,530,099
65$4,402,178$2,058,295$1,621,787$2,667,107
66$4,816,155$2,124,107$1,641,073$2,814,885
67$5,271,255$2,192,040$1,659,900$2,974,449
68$5,771,636$2,262,163$1,678,220$3,146,918
69$6,321,881$2,334,547$1,695,979$3,333,524
70$6,927,040$2,409,267$1,713,121$3,535,623
71$7,592,675$2,486,398$1,729,588$3,754,705
72$8,324,916$2,566,020$1,745,317$3,992,412
73$9,130,516$2,648,214$1,760,244$4,250,551
74$10,016,916$2,733,063$1,774,299$4,531,110
75$10,992,313$2,820,655$1,787,410$4,836,279
76$12,065,742$2,911,080$1,799,501$5,168,469
77$13,247,155$3,004,430$1,810,492$5,530,334
78$14,547,520$3,100,802$1,820,298$5,924,797
79$15,978,920$3,200,295$1,828,831$6,355,076
80$17,554,671$3,303,010$1,835,998$6,824,715
81$19,289,445$3,409,055$1,841,701$7,337,617
82$21,199,407$3,518,538$1,845,837$7,898,083
83$23,302,373$3,631,572$1,848,299$8,510,846
84$25,617,971$3,748,275$1,848,973$9,181,122
85$28,167,830$3,868,767$1,847,740$9,914,656
86$30,975,786$3,993,173$1,844,476$10,717,776
87$34,068,100$4,121,623$1,839,049$11,597,452
88$37,473,713$4,254,249$1,831,324$12,561,363
89$41,224,514$4,391,190$1,821,156$13,617,968
90$45,355,644$4,532,588$1,808,395$14,776,587
91$49,905,826$4,678,591$1,792,882$16,047,487
92$54,917,729$4,829,351$1,774,453$17,441,978
93$60,438,375$4,985,026$1,752,934$18,972,522
94$66,519,575$5,145,778$1,728,143$20,652,850
95$73,218,427$5,311,777$1,699,892$22,498,088
96$80,597,849$5,483,196$1,667,980$24,524,903
97$88,727,173$5,660,216$1,632,201$26,751,659
98$97,682,800$5,843,023$1,592,335$29,198,589
99$107,548,924$6,031,808$1,548,156$31,887,988
100$118,418,320$6,226,773$1,499,425$34,844,420