Can I retire at age 52 with 1,650,000?

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 $1,650,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.9%
1 years$136,255$135,042$133,858$132,702$131,573$127,362
2 years$67,453$66,197$64,979$63,799$62,654$58,450
3 years$44,522$43,260$42,046$40,877$39,750$35,685
4 years$33,059$31,801$30,599$29,449$28,350$24,455
5 years$26,183$24,932$23,746$22,620$21,551$17,837
6 years$21,600$20,359$19,190$18,089$17,053$13,523
7 years$18,328$17,098$15,947$14,872$13,869$10,522
8 years$15,875$14,656$13,524$12,476$11,505$8,340
9 years$13,968$12,761$11,649$10,627$9,689$6,702
10 years$12,444$11,248$10,156$9,160$8,256$5,441
11 years$11,197$10,013$8,941$7,972$7,100$4,454
12 years$10,159$8,987$7,935$6,993$6,153$3,669
13 years$9,281$8,122$7,089$6,174$5,365$3,038
14 years$8,530$7,383$6,370$5,480$4,703$2,525
15 years$7,879$6,744$5,751$4,887$4,141$2,107
16 years$7,310$6,188$5,214$4,376$3,660$1,762
17 years$6,809$5,699$4,745$3,932$3,245$1,477
18 years$6,363$5,266$4,331$3,543$2,885$1,241
19 years$5,966$4,880$3,965$3,202$2,572$1,044
20 years$5,608$4,535$3,639$2,900$2,297$879
21 years$5,285$4,224$3,347$2,632$2,056$741
22 years$4,991$3,943$3,085$2,393$1,843$626
23 years$4,724$3,688$2,848$2,179$1,654$528
24 years$4,479$3,455$2,634$1,988$1,487$447
25 years$4,254$3,243$2,440$1,815$1,338$378
26 years$4,047$3,048$2,263$1,660$1,205$320
27 years$3,855$2,868$2,101$1,519$1,086$270
28 years$3,677$2,703$1,953$1,392$980$229
29 years$3,512$2,550$1,818$1,276$885$194
30 years$3,359$2,408$1,693$1,171$800$164
31 years$3,215$2,276$1,578$1,076$723$139
32 years$3,081$2,154$1,473$989$654$118
33 years$2,955$2,040$1,375$909$592$100
34 years$2,837$1,933$1,285$837$536$85
35 years$2,725$1,834$1,201$770$485$72
36 years$2,621$1,740$1,124$709$440$61
37 years$2,522$1,653$1,052$653$399$52
38 years$2,428$1,571$985$602$361$44
39 years$2,340$1,494$923$555$328$37
40 years$2,256$1,421$865$512$297$31
41 years$2,176$1,353$811$473$270$27
42 years$2,101$1,288$761$436$245$23
43 years$2,029$1,228$714$403$222$19
44 years$1,960$1,170$670$372$202$16
45 years$1,895$1,116$629$343$183$14
46 years$1,833$1,064$591$317$166$12
47 years$1,774$1,016$555$293$151$10
48 years$1,717$970$522$271$137$8
49 years$1,663$926$490$250$124$7
50 years$1,611$885$461$231$113$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,650,000, adding $5,956 every year, while hoping to spend $21,626 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: 58/32/10 Blend
51$1,650,000$1,650,000$1,650,000$1,650,000
52$1,824,444$1,736,994$1,711,419$1,925,580
53$1,987,527$1,799,096$1,745,741$2,056,490
54$2,166,520$1,863,517$1,780,489$2,196,168
55$2,363,023$1,930,347$1,815,653$2,347,891
56$2,578,797$1,999,681$1,851,224$2,512,816
57$2,815,786$2,071,616$1,887,191$2,692,216
58$3,076,126$2,146,256$1,923,542$2,887,491
59$3,362,175$2,223,706$1,960,265$3,100,182
60$3,676,528$2,304,079$1,997,345$3,331,984
61$4,022,044$2,387,489$2,034,766$3,584,761
62$4,401,874$2,474,058$2,072,512$3,860,566
63$4,819,489$2,563,910$2,110,565$4,161,658
64$5,278,712$2,657,176$2,148,903$4,490,522
65$5,783,756$2,753,994$2,187,507$4,849,895
66$6,339,263$2,854,503$2,226,353$5,242,789
67$6,950,347$2,958,853$2,265,414$5,672,519
68$7,622,642$3,067,197$2,304,666$6,142,737
69$8,362,358$3,179,696$2,344,078$6,657,460
70$9,176,334$3,296,516$2,383,621$7,221,115
71$10,072,107$3,417,833$2,423,259$7,838,574
72$11,057,983$3,543,828$2,462,959$8,515,203
73$12,143,112$3,674,689$2,502,683$9,256,909
74$13,337,576$3,810,616$2,542,389$10,070,199
75$14,652,485$3,951,812$2,582,035$10,962,239
76$16,100,080$4,098,493$2,621,576$11,940,921
77$17,693,852$4,250,882$2,660,962$13,014,936
78$19,448,662$4,409,213$2,700,141$14,193,858
79$21,380,889$4,573,728$2,739,060$15,488,229
80$23,508,580$4,744,681$2,777,658$16,909,666
81$25,851,620$4,922,336$2,815,875$18,470,960
82$28,431,924$5,106,969$2,853,646$20,186,203
83$31,273,637$5,298,867$2,890,899$22,070,918
84$34,403,367$5,498,330$2,927,563$24,142,204
85$37,850,433$5,705,671$2,963,560$26,418,900
86$41,647,145$5,921,217$2,998,807$28,921,756
87$45,829,104$6,145,307$3,033,217$31,673,634
88$50,435,543$6,378,297$3,066,700$34,699,719
89$55,509,692$6,620,558$3,099,159$38,027,757
90$61,099,191$6,872,475$3,130,491$41,688,316
91$67,256,536$7,134,453$3,160,589$45,715,074
92$74,039,574$7,406,913$3,189,340$50,145,136
93$81,512,052$7,690,294$3,216,625$55,019,380
94$89,744,218$7,985,054$3,242,318$60,382,847
95$98,813,479$8,291,673$3,266,287$66,285,161
96$108,805,138$8,610,649$3,288,392$72,780,997
97$119,813,196$8,942,505$3,308,487$79,930,597
98$131,941,239$9,287,785$3,326,418$87,800,335
99$145,303,416$9,647,057$3,342,023$96,463,346
100$160,025,516$10,020,914$3,355,133$106,000,211