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%12.2%
1 years$109,830$108,852$107,897$106,966$106,056$105,080
2 years$54,371$53,359$52,377$51,426$50,503$49,519
3 years$35,888$34,871$33,892$32,949$32,041$31,081
4 years$26,647$25,634$24,664$23,738$22,852$21,922
5 years$21,105$20,097$19,141$18,233$17,372$16,475
6 years$17,411$16,411$15,468$14,581$13,746$12,883
7 years$14,773$13,782$12,854$11,988$11,179$10,351
8 years$12,796$11,813$10,902$10,056$9,274$8,481
9 years$11,259$10,286$9,389$8,566$7,810$7,052
10 years$10,030$9,066$8,186$7,384$6,655$5,930
11 years$9,026$8,071$7,207$6,426$5,723$5,032
12 years$8,189$7,244$6,396$5,637$4,960$4,302
13 years$7,481$6,547$5,714$4,976$4,325$3,699
14 years$6,876$5,951$5,134$4,417$3,791$3,196
15 years$6,351$5,436$4,636$3,939$3,338$2,774
16 years$5,892$4,988$4,203$3,527$2,950$2,415
17 years$5,488$4,593$3,824$3,169$2,616$2,109
18 years$5,129$4,244$3,491$2,856$2,326$1,847
19 years$4,809$3,934$3,196$2,581$2,073$1,621
20 years$4,520$3,655$2,933$2,337$1,852$1,425
21 years$4,260$3,405$2,698$2,121$1,657$1,255
22 years$4,023$3,178$2,487$1,929$1,485$1,107
23 years$3,808$2,973$2,296$1,757$1,333$977
24 years$3,610$2,785$2,123$1,602$1,198$864
25 years$3,429$2,614$1,967$1,463$1,078$764
26 years$3,262$2,457$1,824$1,338$971$677
27 years$3,107$2,312$1,694$1,225$876$600
28 years$2,964$2,178$1,574$1,122$790$532
29 years$2,831$2,055$1,465$1,029$714$472
30 years$2,707$1,941$1,365$944$645$419
31 years$2,592$1,835$1,272$867$583$372
32 years$2,483$1,736$1,187$797$527$330
33 years$2,382$1,644$1,108$733$477$294
34 years$2,287$1,558$1,036$674$432$261
35 years$2,197$1,478$968$621$391$232
36 years$2,112$1,403$906$572$355$207
37 years$2,033$1,332$848$527$321$184
38 years$1,957$1,266$794$486$291$164
39 years$1,886$1,204$744$448$264$146
40 years$1,818$1,146$697$413$240$130
41 years$1,754$1,090$654$381$217$115
42 years$1,693$1,038$613$352$197$103
43 years$1,635$989$575$325$179$91
44 years$1,580$943$540$300$163$81
45 years$1,528$899$507$277$148$73
46 years$1,478$858$476$256$134$65
47 years$1,430$819$448$236$122$58
48 years$1,384$782$421$218$110$51
49 years$1,340$746$395$202$100$46
50 years$1,299$713$372$186$91$41

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 $4,789 every year, while hoping to spend $32,853 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: 55/27/18 Blend
51$1,330,000$1,330,000$1,330,000$1,330,000
52$1,470,600$1,400,110$1,379,495$1,544,139
53$1,585,646$1,433,760$1,390,753$1,628,500
54$1,711,325$1,467,958$1,401,286$1,716,402
55$1,848,688$1,502,695$1,411,037$1,811,396
56$1,998,891$1,537,964$1,419,943$1,914,168
57$2,163,205$1,573,752$1,427,939$2,025,474
58$2,343,033$1,610,047$1,434,956$2,146,147
59$2,539,918$1,646,835$1,440,923$2,277,105
60$2,755,559$1,684,099$1,445,763$2,419,360
61$2,991,827$1,721,821$1,449,397$2,574,025
62$3,250,783$1,759,980$1,451,742$2,742,329
63$3,534,698$1,798,553$1,452,709$2,925,624
64$3,846,070$1,837,515$1,452,208$3,125,402
65$4,187,653$1,876,837$1,450,141$3,343,305
66$4,562,480$1,916,489$1,446,407$3,581,144
67$4,973,892$1,956,435$1,440,901$3,840,914
68$5,425,567$1,996,640$1,433,510$4,124,815
69$5,921,561$2,037,061$1,424,118$4,435,270
70$6,466,337$2,077,654$1,412,603$4,774,950
71$7,064,815$2,118,370$1,398,837$5,146,799
72$7,722,413$2,159,157$1,382,685$5,554,062
73$8,445,101$2,199,958$1,364,007$6,000,315
74$9,239,457$2,240,711$1,342,656$6,489,498
75$10,112,724$2,281,349$1,318,478$7,025,957
76$11,072,887$2,321,800$1,291,311$7,614,478
77$12,128,738$2,361,985$1,260,988$8,260,340
78$13,289,969$2,401,822$1,227,330$8,969,359
79$14,567,255$2,441,220$1,190,155$9,747,944
80$15,972,357$2,480,082$1,149,267$10,603,164
81$17,518,236$2,518,305$1,104,466$11,542,804
82$19,219,171$2,555,776$1,055,541$12,575,450
83$21,090,895$2,592,378$1,002,269$13,710,562
84$23,150,742$2,627,980$944,422$14,958,568
85$25,417,814$2,662,447$881,756$16,330,962
86$27,913,157$2,695,633$814,020$17,840,411
87$30,659,960$2,727,381$740,952$19,500,879
88$33,683,777$2,757,523$662,274$21,327,753
89$37,012,763$2,785,882$577,701$23,337,996
90$40,677,943$2,812,268$486,932$25,550,303
91$44,713,502$2,836,478$389,653$27,985,277
92$49,157,110$2,858,297$285,537$30,665,628
93$54,050,275$2,877,493$174,243$33,616,386
94$59,438,736$2,893,823$55,413$36,865,138
95$65,372,892$2,907,026$0$40,442,289
96$71,908,283$2,916,826$0$44,395,063
97$79,106,104$2,922,927$0$48,758,928
98$87,033,794$2,925,017$0$53,564,016
99$95,765,662$2,922,764$0$58,855,271
100$105,383,595$2,915,815$0$64,682,224