Can I retire at age 52 with 1,660,000?

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 $1,660,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.7%
1 years$137,081$135,860$134,669$133,506$132,371$127,219
2 years$67,862$66,598$65,373$64,186$63,034$57,906
3 years$44,792$43,523$42,301$41,124$39,991$35,048
4 years$33,259$31,994$30,784$29,628$28,522$23,802
5 years$26,341$25,083$23,890$22,757$21,682$17,197
6 years$21,731$20,483$19,306$18,199$17,156$12,909
7 years$18,439$17,201$16,044$14,962$13,953$9,942
8 years$15,971$14,745$13,606$12,552$11,575$7,796
9 years$14,053$12,838$11,719$10,691$9,748$6,196
10 years$12,519$11,316$10,217$9,216$8,306$4,974
11 years$11,265$10,074$8,995$8,021$7,143$4,024
12 years$10,221$9,042$7,983$7,035$6,190$3,275
13 years$9,338$8,171$7,132$6,211$5,398$2,679
14 years$8,582$7,427$6,408$5,513$4,732$2,199
15 years$7,927$6,785$5,786$4,917$4,166$1,811
16 years$7,354$6,225$5,246$4,403$3,682$1,495
17 years$6,850$5,733$4,773$3,956$3,265$1,237
18 years$6,402$5,298$4,357$3,565$2,903$1,025
19 years$6,002$4,910$3,989$3,221$2,587$851
20 years$5,642$4,562$3,661$2,917$2,311$707
21 years$5,317$4,250$3,367$2,648$2,068$588
22 years$5,021$3,967$3,104$2,407$1,854$489
23 years$4,752$3,710$2,866$2,192$1,664$407
24 years$4,506$3,476$2,650$2,000$1,496$339
25 years$4,280$3,262$2,455$1,826$1,346$283
26 years$4,071$3,066$2,276$1,670$1,212$236
27 years$3,878$2,885$2,114$1,528$1,093$197
28 years$3,700$2,719$1,965$1,400$986$164
29 years$3,534$2,565$1,829$1,284$891$137
30 years$3,379$2,422$1,703$1,179$805$114
31 years$3,235$2,290$1,588$1,082$728$95
32 years$3,099$2,167$1,482$995$658$80
33 years$2,973$2,052$1,383$915$596$67
34 years$2,854$1,945$1,293$842$539$56
35 years$2,742$1,845$1,208$775$488$46
36 years$2,636$1,751$1,131$714$443$39
37 years$2,537$1,663$1,058$657$401$32
38 years$2,443$1,580$991$606$364$27
39 years$2,354$1,503$928$559$330$23
40 years$2,269$1,430$870$515$299$19
41 years$2,189$1,361$816$475$271$16
42 years$2,113$1,296$765$439$246$13
43 years$2,041$1,235$718$405$223$11
44 years$1,972$1,177$674$374$203$9
45 years$1,907$1,123$633$345$184$8
46 years$1,844$1,071$595$319$167$6
47 years$1,785$1,022$559$295$152$5
48 years$1,727$976$525$272$138$4
49 years$1,673$932$493$252$125$4
50 years$1,621$890$464$233$114$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,660,000, adding $2,598 every year, while hoping to spend $43,115 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: 42/44/14 Blend
51$1,660,000$1,660,000$1,660,000$1,660,000
52$1,832,000$1,744,020$1,718,290$1,901,327
53$1,972,990$1,783,603$1,729,979$1,989,898
54$2,126,916$1,823,680$1,740,614$2,081,278
55$2,295,051$1,864,231$1,750,115$2,179,292
56$2,478,800$1,905,231$1,758,396$2,284,567
57$2,679,704$1,946,654$1,765,370$2,397,791
58$2,899,465$1,988,472$1,770,941$2,519,726
59$3,139,954$2,030,650$1,775,011$2,651,207
60$3,403,232$2,073,155$1,777,477$2,793,159
61$3,691,570$2,115,948$1,778,230$2,946,597
62$4,007,466$2,158,985$1,777,156$3,112,643
63$4,353,673$2,202,220$1,774,136$3,292,532
64$4,733,222$2,245,604$1,769,045$3,487,627
65$5,149,453$2,289,081$1,761,750$3,699,427
66$5,606,043$2,332,592$1,752,115$3,929,589
67$6,107,043$2,376,072$1,739,994$4,179,936
68$6,656,914$2,419,452$1,725,236$4,452,480
69$7,260,571$2,462,657$1,707,683$4,749,437
70$7,923,427$2,505,605$1,687,168$5,073,252
71$8,651,446$2,548,210$1,663,518$5,426,620
72$9,451,198$2,590,376$1,636,551$5,812,512
73$10,329,920$2,632,004$1,606,075$6,234,204
74$11,295,584$2,672,985$1,571,891$6,695,307
75$12,356,975$2,713,202$1,533,790$7,199,802
76$13,523,768$2,752,531$1,491,554$7,752,080
77$14,806,625$2,790,838$1,444,954$8,356,980
78$16,217,292$2,827,980$1,393,751$9,019,838
79$17,768,710$2,863,805$1,337,695$9,746,537
80$19,475,135$2,898,148$1,276,525$10,543,564
81$21,352,278$2,930,836$1,209,967$11,418,068
82$23,417,445$2,961,682$1,137,736$12,377,934
83$25,689,707$2,990,487$1,059,533$13,431,854
84$28,190,076$3,017,040$975,046$14,589,409
85$30,941,703$3,041,115$883,950$15,861,164
86$33,970,098$3,062,470$785,903$17,258,766
87$37,303,368$3,080,851$680,551$18,795,055
88$40,972,483$3,095,984$567,521$20,484,186
89$45,011,569$3,107,581$446,426$22,341,763
90$49,458,229$3,115,332$316,861$24,384,991
91$54,353,896$3,118,911$178,404$26,632,834
92$59,744,225$3,117,969$30,612$29,106,200
93$65,679,524$3,112,138$0$31,828,136
94$72,215,227$3,101,024$0$34,843,036
95$79,412,419$3,084,212$0$38,166,034
96$87,338,407$3,061,261$0$41,823,504
97$96,067,363$3,031,701$0$45,849,556
98$105,681,017$2,995,037$0$50,281,789
99$116,269,429$2,950,742$0$55,161,643
100$127,931,840$2,898,258$0$60,534,794