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%11%
1 years$134,604$133,405$132,235$131,093$129,978$129,431
2 years$66,636$65,395$64,192$63,026$61,895$61,342
3 years$43,982$42,736$41,536$40,381$39,268$38,727
4 years$32,658$31,416$30,228$29,092$28,007$27,482
5 years$25,865$24,630$23,458$22,346$21,290$20,783
6 years$21,338$20,112$18,958$17,870$16,846$16,357
7 years$18,106$16,890$15,754$14,692$13,700$13,230
8 years$15,683$14,478$13,361$12,325$11,366$10,914
9 years$13,799$12,606$11,507$10,498$9,572$9,138
10 years$12,293$11,111$10,032$9,049$8,156$7,740
11 years$11,061$9,892$8,832$7,876$7,014$6,617
12 years$10,036$8,878$7,839$6,908$6,078$5,698
13 years$9,169$8,023$7,003$6,099$5,300$4,938
14 years$8,426$7,293$6,292$5,414$4,646$4,301
15 years$7,784$6,662$5,681$4,828$4,091$3,762
16 years$7,222$6,113$5,151$4,323$3,616$3,303
17 years$6,726$5,629$4,687$3,884$3,206$2,909
18 years$6,286$5,202$4,279$3,500$2,850$2,568
19 years$5,893$4,821$3,917$3,163$2,541$2,273
20 years$5,540$4,480$3,595$2,865$2,269$2,016
21 years$5,221$4,173$3,306$2,600$2,031$1,791
22 years$4,931$3,895$3,047$2,364$1,820$1,594
23 years$4,666$3,643$2,814$2,153$1,634$1,420
24 years$4,425$3,413$2,602$1,964$1,469$1,267
25 years$4,202$3,203$2,410$1,793$1,322$1,131
26 years$3,998$3,011$2,235$1,640$1,190$1,011
27 years$3,808$2,833$2,076$1,501$1,073$905
28 years$3,633$2,670$1,930$1,375$968$810
29 years$3,470$2,519$1,796$1,261$875$726
30 years$3,318$2,379$1,673$1,157$790$650
31 years$3,176$2,249$1,559$1,063$714$583
32 years$3,043$2,128$1,455$977$646$523
33 years$2,919$2,015$1,358$898$585$470
34 years$2,802$1,910$1,269$826$529$422
35 years$2,692$1,811$1,187$761$480$379
36 years$2,589$1,719$1,110$701$435$340
37 years$2,491$1,633$1,039$646$394$306
38 years$2,399$1,552$973$595$357$275
39 years$2,311$1,476$912$549$324$247
40 years$2,228$1,404$854$506$294$222
41 years$2,150$1,336$801$467$266$200
42 years$2,075$1,273$752$431$242$180
43 years$2,004$1,213$705$398$219$162
44 years$1,937$1,156$662$367$199$146
45 years$1,872$1,102$622$339$181$131
46 years$1,811$1,052$584$313$164$118
47 years$1,752$1,003$548$289$149$106
48 years$1,696$958$515$267$135$96
49 years$1,643$915$484$247$123$86
50 years$1,591$874$455$228$112$78

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 $4,656 every year, while hoping to spend $41,675 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: 46/43/11 Blend
51$1,630,000$1,630,000$1,630,000$1,630,000
52$1,801,063$1,714,673$1,689,408$1,878,148
53$1,940,429$1,754,350$1,701,661$1,971,608
54$2,092,614$1,794,574$1,712,928$2,068,279
55$2,258,882$1,835,329$1,723,132$2,172,210
56$2,440,622$1,876,595$1,732,191$2,284,088
57$2,639,367$1,918,349$1,740,021$2,404,670
58$2,856,802$1,960,568$1,746,532$2,534,790
59$3,094,785$2,003,225$1,751,630$2,675,366
60$3,355,360$2,046,290$1,755,216$2,827,410
61$3,640,778$2,089,730$1,757,187$2,992,037
62$3,953,519$2,133,508$1,757,434$3,170,474
63$4,296,312$2,177,584$1,755,843$3,364,076
64$4,672,166$2,221,916$1,752,293$3,574,334
65$5,084,393$2,266,455$1,746,661$3,802,890
66$5,536,640$2,311,150$1,738,813$4,051,557
67$6,032,925$2,355,945$1,728,611$4,322,330
68$6,577,676$2,400,778$1,715,912$4,617,409
69$7,175,767$2,445,585$1,700,563$4,939,218
70$7,832,569$2,490,292$1,682,406$5,290,431
71$8,553,998$2,534,824$1,661,274$5,673,992
72$9,346,573$2,579,097$1,636,993$6,093,148
73$10,217,471$2,623,021$1,609,381$6,551,479
74$11,174,605$2,666,500$1,578,246$7,052,928
75$12,226,687$2,709,431$1,543,389$7,601,843
76$13,383,317$2,751,702$1,504,602$8,203,018
77$14,655,074$2,793,193$1,461,664$8,861,736
78$16,053,610$2,833,778$1,414,348$9,583,819
79$17,591,763$2,873,318$1,362,414$10,375,689
80$19,283,680$2,911,668$1,305,612$11,244,420
81$21,144,945$2,948,669$1,243,679$12,197,813
82$23,192,730$2,984,155$1,176,344$13,244,467
83$25,445,957$3,017,946$1,103,319$14,393,859
84$27,925,470$3,049,852$1,024,306$15,656,437
85$30,654,241$3,079,668$938,993$17,043,717
86$33,657,578$3,107,176$847,054$18,568,395
87$36,963,369$3,132,145$748,148$20,244,464
88$40,602,341$3,154,329$641,920$22,087,349
89$44,608,352$3,173,463$527,997$24,114,052
90$49,018,711$3,189,270$405,991$26,343,317
91$53,874,526$3,201,450$275,498$28,795,801
92$59,221,095$3,209,689$136,095$31,494,277
93$65,108,332$3,213,649$0$34,463,846
94$71,591,238$3,212,974$0$37,733,663
95$78,730,419$3,207,284$0$41,349,881
96$86,592,657$3,196,177$0$45,330,181
97$95,251,544$3,179,226$0$49,711,675
98$104,788,170$3,155,976$0$54,535,264
99$115,291,893$3,125,948$0$59,846,029
100$126,861,177$3,088,631$0$65,693,654