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

Use the below retirement simulation to view the chances of a successful retirement.
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%14.1%
1 years$137,081$135,860$134,669$133,506$132,371$130,124
2 years$67,862$66,598$65,373$64,186$63,034$60,777
3 years$44,792$43,523$42,301$41,124$39,991$37,795
4 years$33,259$31,994$30,784$29,628$28,522$26,403
5 years$26,341$25,083$23,890$22,757$21,682$19,647
6 years$21,731$20,483$19,306$18,199$17,156$15,207
7 years$18,439$17,201$16,044$14,962$13,953$12,089
8 years$15,971$14,745$13,606$12,552$11,575$9,798
9 years$14,053$12,838$11,719$10,691$9,748$8,055
10 years$12,519$11,316$10,217$9,216$8,306$6,696
11 years$11,265$10,074$8,995$8,021$7,143$5,616
12 years$10,221$9,042$7,983$7,035$6,190$4,742
13 years$9,338$8,171$7,132$6,211$5,398$4,028
14 years$8,582$7,427$6,408$5,513$4,732$3,437
15 years$7,927$6,785$5,786$4,917$4,166$2,944
16 years$7,354$6,225$5,246$4,403$3,682$2,530
17 years$6,850$5,733$4,773$3,956$3,265$2,180
18 years$6,402$5,298$4,357$3,565$2,903$1,883
19 years$6,002$4,910$3,989$3,221$2,587$1,630
20 years$5,642$4,562$3,661$2,917$2,311$1,413
21 years$5,317$4,250$3,367$2,648$2,068$1,227
22 years$5,021$3,967$3,104$2,407$1,854$1,066
23 years$4,752$3,710$2,866$2,192$1,664$928
24 years$4,506$3,476$2,650$2,000$1,496$808
25 years$4,280$3,262$2,455$1,826$1,346$704
26 years$4,071$3,066$2,276$1,670$1,212$614
27 years$3,878$2,885$2,114$1,528$1,093$536
28 years$3,700$2,719$1,965$1,400$986$468
29 years$3,534$2,565$1,829$1,284$891$409
30 years$3,379$2,422$1,703$1,179$805$358
31 years$3,235$2,290$1,588$1,082$728$313
32 years$3,099$2,167$1,482$995$658$273
33 years$2,973$2,052$1,383$915$596$239
34 years$2,854$1,945$1,293$842$539$209
35 years$2,742$1,845$1,208$775$488$183
36 years$2,636$1,751$1,131$714$443$160
37 years$2,537$1,663$1,058$657$401$140
38 years$2,443$1,580$991$606$364$123
39 years$2,354$1,503$928$559$330$108
40 years$2,269$1,430$870$515$299$94
41 years$2,189$1,361$816$475$271$83
42 years$2,113$1,296$765$439$246$72
43 years$2,041$1,235$718$405$223$63
44 years$1,972$1,177$674$374$203$56
45 years$1,907$1,123$633$345$184$49
46 years$1,844$1,071$595$319$167$43
47 years$1,785$1,022$559$295$152$37
48 years$1,727$976$525$272$138$33
49 years$1,673$932$493$252$125$29
50 years$1,621$890$464$233$114$25

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 $3,712 every year, while hoping to spend $34,932 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: 70/12/18 Blend
51$1,660,000$1,660,000$1,660,000$1,660,000
52$1,833,149$1,745,169$1,719,439$1,953,321
53$1,982,963$1,793,515$1,739,873$2,082,190
54$2,146,887$1,843,059$1,759,820$2,218,686
55$2,326,323$1,893,823$1,779,229$2,367,205
56$2,522,817$1,945,829$1,798,041$2,528,930
57$2,738,068$1,999,098$1,816,199$2,705,165
58$2,973,949$2,053,652$1,833,640$2,897,346
59$3,232,523$2,109,512$1,850,298$3,107,054
60$3,516,061$2,166,699$1,866,104$3,336,032
61$3,827,065$2,225,233$1,880,984$3,586,198
62$4,168,291$2,285,135$1,894,863$3,859,668
63$4,542,775$2,346,425$1,907,659$4,158,769
64$4,953,860$2,409,121$1,919,287$4,486,068
65$5,405,228$2,473,243$1,929,658$4,844,391
66$5,900,937$2,538,808$1,938,677$5,236,854
67$6,445,457$2,605,833$1,946,247$5,666,888
68$7,043,710$2,674,335$1,952,263$6,138,273
69$7,701,121$2,744,330$1,956,616$6,655,176
70$8,423,664$2,815,832$1,959,191$7,222,186
71$9,217,924$2,888,853$1,959,870$7,844,361
72$10,091,151$2,963,406$1,958,525$8,527,274
73$11,051,338$3,039,502$1,955,025$9,277,066
74$12,107,287$3,117,150$1,949,230$10,100,502
75$13,268,696$3,196,357$1,940,996$11,005,039
76$14,546,254$3,277,129$1,930,170$11,998,894
77$15,951,732$3,359,469$1,916,591$13,091,118
78$17,498,106$3,443,380$1,900,094$14,291,689
79$19,199,667$3,528,859$1,880,501$15,611,601
80$21,072,165$3,615,906$1,857,630$17,062,967
81$23,132,953$3,704,512$1,831,288$18,659,137
82$25,401,151$3,794,670$1,801,273$20,414,823
83$27,897,828$3,886,368$1,767,375$22,346,236
84$30,646,197$3,979,591$1,729,373$24,471,241
85$33,671,837$4,074,320$1,687,035$26,809,523
86$37,002,935$4,170,531$1,640,121$29,382,779
87$40,670,546$4,268,199$1,588,377$32,214,914
88$44,708,893$4,367,292$1,531,539$35,332,275
89$49,155,685$4,467,774$1,469,330$38,763,895
90$54,052,474$4,569,604$1,401,461$42,541,769
91$59,445,046$4,672,735$1,327,631$46,701,154
92$65,383,857$4,777,116$1,247,523$51,280,907
93$71,924,502$4,882,686$1,160,806$56,323,845
94$79,128,245$4,989,381$1,067,137$61,877,155
95$87,062,594$5,097,129$966,154$67,992,837
96$95,801,940$5,205,849$857,482$74,728,196
97$105,428,257$5,315,454$740,726$82,146,384
98$116,031,874$5,425,847$615,476$90,316,992
99$127,712,334$5,536,923$481,303$99,316,715
100$140,579,325$5,648,565$337,759$109,230,068