Can I retire at age 52 with 1,630,000?

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 $1,630,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.4%
1 years$134,604$133,405$132,235$131,093$129,978$126,580
2 years$66,636$65,395$64,192$63,026$61,895$58,493
3 years$43,982$42,736$41,536$40,381$39,268$35,971
4 years$32,658$31,416$30,228$29,092$28,007$24,839
5 years$25,865$24,630$23,458$22,346$21,290$18,261
6 years$21,338$20,112$18,958$17,870$16,846$13,958
7 years$18,106$16,890$15,754$14,692$13,700$10,954
8 years$15,683$14,478$13,361$12,325$11,366$8,759
9 years$13,799$12,606$11,507$10,498$9,572$7,103
10 years$12,293$11,111$10,032$9,049$8,156$5,821
11 years$11,061$9,892$8,832$7,876$7,014$4,811
12 years$10,036$8,878$7,839$6,908$6,078$4,003
13 years$9,169$8,023$7,003$6,099$5,300$3,348
14 years$8,426$7,293$6,292$5,414$4,646$2,812
15 years$7,784$6,662$5,681$4,828$4,091$2,371
16 years$7,222$6,113$5,151$4,323$3,616$2,004
17 years$6,726$5,629$4,687$3,884$3,206$1,699
18 years$6,286$5,202$4,279$3,500$2,850$1,443
19 years$5,893$4,821$3,917$3,163$2,541$1,228
20 years$5,540$4,480$3,595$2,865$2,269$1,046
21 years$5,221$4,173$3,306$2,600$2,031$892
22 years$4,931$3,895$3,047$2,364$1,820$762
23 years$4,666$3,643$2,814$2,153$1,634$651
24 years$4,425$3,413$2,602$1,964$1,469$557
25 years$4,202$3,203$2,410$1,793$1,322$477
26 years$3,998$3,011$2,235$1,640$1,190$408
27 years$3,808$2,833$2,076$1,501$1,073$350
28 years$3,633$2,670$1,930$1,375$968$300
29 years$3,470$2,519$1,796$1,261$875$257
30 years$3,318$2,379$1,673$1,157$790$220
31 years$3,176$2,249$1,559$1,063$714$189
32 years$3,043$2,128$1,455$977$646$162
33 years$2,919$2,015$1,358$898$585$139
34 years$2,802$1,910$1,269$826$529$119
35 years$2,692$1,811$1,187$761$480$103
36 years$2,589$1,719$1,110$701$435$88
37 years$2,491$1,633$1,039$646$394$76
38 years$2,399$1,552$973$595$357$65
39 years$2,311$1,476$912$549$324$56
40 years$2,228$1,404$854$506$294$48
41 years$2,150$1,336$801$467$266$41
42 years$2,075$1,273$752$431$242$35
43 years$2,004$1,213$705$398$219$30
44 years$1,937$1,156$662$367$199$26
45 years$1,872$1,102$622$339$181$22
46 years$1,811$1,052$584$313$164$19
47 years$1,752$1,003$548$289$149$17
48 years$1,696$958$515$267$135$14
49 years$1,643$915$484$247$123$12
50 years$1,591$874$455$228$112$10

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,630,000, adding $2,851 every year, while hoping to spend $47,299 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: 56/16/28 Blend
51$1,630,000$1,630,000$1,630,000$1,630,000
52$1,799,201$1,712,811$1,687,546$1,885,924
53$1,932,394$1,746,413$1,693,753$1,979,516
54$2,077,587$1,780,076$1,698,583$2,076,283
55$2,235,954$1,813,753$1,701,939$2,180,760
56$2,408,789$1,847,394$1,703,721$2,293,707
57$2,597,512$1,880,944$1,703,823$2,415,962
58$2,803,691$1,914,343$1,702,133$2,548,449
59$3,029,049$1,947,527$1,698,536$2,692,188
60$3,275,484$1,980,428$1,692,909$2,848,304
61$3,545,086$2,012,971$1,685,124$3,018,036
62$3,840,155$2,045,077$1,675,046$3,202,753
63$4,163,226$2,076,661$1,662,535$3,403,963
64$4,517,088$2,107,631$1,647,443$3,623,329
65$4,904,814$2,137,888$1,629,616$3,862,689
66$5,329,789$2,167,328$1,608,892$4,124,064
67$5,795,738$2,195,838$1,585,101$4,409,687
68$6,306,768$2,223,298$1,558,065$4,722,021
69$6,867,397$2,249,579$1,527,600$5,063,779
70$7,482,607$2,274,544$1,493,510$5,437,957
71$8,157,883$2,298,046$1,455,593$5,847,855
72$8,899,267$2,319,930$1,413,634$6,297,114
73$9,713,414$2,340,028$1,367,413$6,789,751
74$10,607,656$2,358,164$1,316,695$7,330,192
75$11,590,070$2,374,147$1,261,238$7,923,320
76$12,669,554$2,387,778$1,200,786$8,574,519
77$13,855,911$2,398,841$1,135,075$9,289,725
78$15,159,939$2,407,109$1,063,825$10,075,484
79$16,593,535$2,412,340$986,745$10,939,013
80$18,169,808$2,414,277$903,533$11,888,272
81$19,903,198$2,412,646$813,872$12,932,034
82$21,809,616$2,407,157$717,428$14,079,973
83$23,906,592$2,397,503$613,857$15,342,757
84$26,213,440$2,383,356$502,797$16,732,145
85$28,751,440$2,364,370$383,870$18,261,102
86$31,544,040$2,340,177$256,682$19,943,923
87$34,617,073$2,310,387$120,822$21,796,366
88$37,999,005$2,274,586$0$23,835,804
89$41,721,201$2,232,338$0$26,088,610
90$45,818,218$2,183,177$0$28,607,670
91$50,328,137$2,126,614$0$31,380,264
92$55,292,917$2,062,128$0$34,432,197
93$60,758,790$1,989,168$0$37,791,909
94$66,776,702$1,907,152$0$41,490,738
95$73,402,786$1,815,463$0$45,563,222
96$80,698,899$1,713,450$0$50,047,424
97$88,733,200$1,600,422$0$54,985,288
98$97,580,795$1,475,651$0$60,423,039
99$107,324,444$1,338,366$0$66,411,622
100$118,055,343$1,187,752$0$73,007,175