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%13.6%
1 years$136,255$135,042$133,858$132,702$131,573$129,607
2 years$67,453$66,197$64,979$63,799$62,654$60,677
3 years$44,522$43,260$42,046$40,877$39,750$37,825
4 years$33,059$31,801$30,599$29,449$28,350$26,491
5 years$26,183$24,932$23,746$22,620$21,551$19,764
6 years$21,600$20,359$19,190$18,089$17,053$15,339
7 years$18,328$17,098$15,947$14,872$13,869$12,228
8 years$15,875$14,656$13,524$12,476$11,505$9,939
9 years$13,968$12,761$11,649$10,627$9,689$8,196
10 years$12,444$11,248$10,156$9,160$8,256$6,834
11 years$11,197$10,013$8,941$7,972$7,100$5,749
12 years$10,159$8,987$7,935$6,993$6,153$4,871
13 years$9,281$8,122$7,089$6,174$5,365$4,150
14 years$8,530$7,383$6,370$5,480$4,703$3,553
15 years$7,879$6,744$5,751$4,887$4,141$3,054
16 years$7,310$6,188$5,214$4,376$3,660$2,634
17 years$6,809$5,699$4,745$3,932$3,245$2,278
18 years$6,363$5,266$4,331$3,543$2,885$1,975
19 years$5,966$4,880$3,965$3,202$2,572$1,715
20 years$5,608$4,535$3,639$2,900$2,297$1,492
21 years$5,285$4,224$3,347$2,632$2,056$1,301
22 years$4,991$3,943$3,085$2,393$1,843$1,135
23 years$4,724$3,688$2,848$2,179$1,654$991
24 years$4,479$3,455$2,634$1,988$1,487$867
25 years$4,254$3,243$2,440$1,815$1,338$759
26 years$4,047$3,048$2,263$1,660$1,205$664
27 years$3,855$2,868$2,101$1,519$1,086$582
28 years$3,677$2,703$1,953$1,392$980$510
29 years$3,512$2,550$1,818$1,276$885$448
30 years$3,359$2,408$1,693$1,171$800$393
31 years$3,215$2,276$1,578$1,076$723$345
32 years$3,081$2,154$1,473$989$654$303
33 years$2,955$2,040$1,375$909$592$266
34 years$2,837$1,933$1,285$837$536$234
35 years$2,725$1,834$1,201$770$485$206
36 years$2,621$1,740$1,124$709$440$181
37 years$2,522$1,653$1,052$653$399$159
38 years$2,428$1,571$985$602$361$140
39 years$2,340$1,494$923$555$328$123
40 years$2,256$1,421$865$512$297$108
41 years$2,176$1,353$811$473$270$95
42 years$2,101$1,288$761$436$245$84
43 years$2,029$1,228$714$403$222$74
44 years$1,960$1,170$670$372$202$65
45 years$1,895$1,116$629$343$183$57
46 years$1,833$1,064$591$317$166$50
47 years$1,774$1,016$555$293$151$44
48 years$1,717$970$522$271$137$39
49 years$1,663$926$490$250$124$34
50 years$1,611$885$461$231$113$30

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 $6,365 every year, while hoping to spend $38,377 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: 82/8/10 Blend
51$1,650,000$1,650,000$1,650,000$1,650,000
52$1,824,865$1,737,415$1,711,840$1,971,147
53$1,970,169$1,781,716$1,728,354$2,112,183
54$2,129,007$1,826,901$1,744,135$2,261,255
55$2,302,720$1,872,973$1,759,118$2,423,764
56$2,492,783$1,919,935$1,773,234$2,601,037
57$2,700,821$1,967,786$1,786,411$2,794,534
58$2,928,623$2,016,525$1,798,574$3,005,865
59$3,178,158$2,066,150$1,809,642$3,236,800
60$3,451,597$2,116,658$1,819,532$3,489,292
61$3,751,328$2,168,043$1,828,154$3,765,489
62$4,079,984$2,220,297$1,835,418$4,067,761
63$4,440,461$2,273,412$1,841,224$4,398,716
64$4,835,954$2,327,374$1,845,470$4,761,226
65$5,269,978$2,382,172$1,848,050$5,158,457
66$5,746,406$2,437,789$1,848,850$5,593,896
67$6,269,505$2,494,206$1,847,752$6,071,385
68$6,843,975$2,551,402$1,844,632$6,595,157
69$7,474,992$2,609,353$1,839,359$7,169,873
70$8,168,260$2,668,030$1,831,796$7,800,673
71$8,930,062$2,727,403$1,821,801$8,493,216
72$9,767,321$2,787,438$1,809,224$9,253,739
73$10,687,661$2,848,096$1,793,906$10,089,113
74$11,699,484$2,909,334$1,775,684$11,006,910
75$12,812,046$2,971,106$1,754,384$12,015,472
76$14,035,545$3,033,361$1,729,825$13,123,992
77$15,381,215$3,096,040$1,701,820$14,342,598
78$16,861,436$3,159,084$1,670,168$15,682,451
79$18,489,848$3,222,423$1,634,663$17,155,848
80$20,281,476$3,285,986$1,595,088$18,776,341
81$22,252,878$3,349,691$1,551,216$20,558,862
82$24,422,299$3,413,453$1,502,808$22,519,863
83$26,809,839$3,477,177$1,449,618$24,677,478
84$29,437,646$3,540,763$1,391,384$27,051,684
85$32,330,126$3,604,100$1,327,835$29,664,497
86$35,514,168$3,667,071$1,258,687$32,540,179
87$39,019,404$3,729,547$1,183,643$35,705,462
88$42,878,481$3,791,393$1,102,394$39,189,808
89$47,127,376$3,852,462$1,014,614$43,025,678
90$51,805,730$3,912,594$919,965$47,248,847
91$56,957,223$3,971,620$818,093$51,898,737
92$62,629,990$4,029,359$708,628$57,018,787
93$68,877,067$4,085,616$591,186$62,656,872
94$75,756,899$4,140,182$465,361$68,865,742
95$83,333,886$4,192,835$330,735$75,703,533
96$91,678,994$4,243,335$186,866$83,234,306
97$100,870,423$4,291,430$33,297$91,528,657
98$110,994,342$4,336,846$0$100,664,381
99$122,145,708$4,379,295$0$110,741,143
100$134,429,157$4,418,466$0$121,844,179