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%15.7%
1 years$137,081$135,860$134,669$133,506$132,371$129,276
2 years$67,862$66,598$65,373$64,186$63,034$59,933
3 years$44,792$43,523$42,301$41,124$39,991$36,982
4 years$33,259$31,994$30,784$29,628$28,522$25,627
5 years$26,341$25,083$23,890$22,757$21,682$18,910
6 years$21,731$20,483$19,306$18,199$17,156$14,509
7 years$18,439$17,201$16,044$14,962$13,953$11,432
8 years$15,971$14,745$13,606$12,552$11,575$9,179
9 years$14,053$12,838$11,719$10,691$9,748$7,475
10 years$12,519$11,316$10,217$9,216$8,306$6,153
11 years$11,265$10,074$8,995$8,021$7,143$5,108
12 years$10,221$9,042$7,983$7,035$6,190$4,269
13 years$9,338$8,171$7,132$6,211$5,398$3,587
14 years$8,582$7,427$6,408$5,513$4,732$3,028
15 years$7,927$6,785$5,786$4,917$4,166$2,565
16 years$7,354$6,225$5,246$4,403$3,682$2,180
17 years$6,850$5,733$4,773$3,956$3,265$1,857
18 years$6,402$5,298$4,357$3,565$2,903$1,585
19 years$6,002$4,910$3,989$3,221$2,587$1,356
20 years$5,642$4,562$3,661$2,917$2,311$1,161
21 years$5,317$4,250$3,367$2,648$2,068$996
22 years$5,021$3,967$3,104$2,407$1,854$855
23 years$4,752$3,710$2,866$2,192$1,664$735
24 years$4,506$3,476$2,650$2,000$1,496$632
25 years$4,280$3,262$2,455$1,826$1,346$544
26 years$4,071$3,066$2,276$1,670$1,212$468
27 years$3,878$2,885$2,114$1,528$1,093$404
28 years$3,700$2,719$1,965$1,400$986$348
29 years$3,534$2,565$1,829$1,284$891$300
30 years$3,379$2,422$1,703$1,179$805$259
31 years$3,235$2,290$1,588$1,082$728$223
32 years$3,099$2,167$1,482$995$658$193
33 years$2,973$2,052$1,383$915$596$166
34 years$2,854$1,945$1,293$842$539$144
35 years$2,742$1,845$1,208$775$488$124
36 years$2,636$1,751$1,131$714$443$107
37 years$2,537$1,663$1,058$657$401$92
38 years$2,443$1,580$991$606$364$80
39 years$2,354$1,503$928$559$330$69
40 years$2,269$1,430$870$515$299$60
41 years$2,189$1,361$816$475$271$52
42 years$2,113$1,296$765$439$246$45
43 years$2,041$1,235$718$405$223$38
44 years$1,972$1,177$674$374$203$33
45 years$1,907$1,123$633$345$184$29
46 years$1,844$1,071$595$319$167$25
47 years$1,785$1,022$559$295$152$21
48 years$1,727$976$525$272$138$19
49 years$1,673$932$493$252$125$16
50 years$1,621$890$464$233$114$14

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 $5,898 every year, while hoping to spend $42,300 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: 24/47/29 Blend
51$1,660,000$1,660,000$1,660,000$1,660,000
52$1,835,404$1,747,424$1,721,694$1,862,629
53$1,977,608$1,788,041$1,734,364$1,926,986
54$2,132,900$1,829,230$1,746,040$1,991,946
55$2,302,568$1,870,975$1,756,646$2,060,664
56$2,488,035$1,913,258$1,766,098$2,133,482
57$2,690,863$1,956,056$1,774,311$2,210,777
58$2,912,775$1,999,346$1,781,194$2,292,967
59$3,155,666$2,043,103$1,786,652$2,380,510
60$3,421,624$2,087,295$1,790,585$2,473,916
61$3,712,949$2,131,892$1,792,889$2,573,744
62$4,032,172$2,176,856$1,793,453$2,680,614
63$4,382,081$2,222,150$1,792,161$2,795,209
64$4,765,748$2,267,730$1,788,893$2,918,285
65$5,186,555$2,313,550$1,783,522$3,050,674
66$5,648,227$2,359,557$1,775,913$3,193,298
67$6,154,869$2,405,697$1,765,928$3,347,172
68$6,710,998$2,451,910$1,753,420$3,513,417
69$7,321,596$2,498,129$1,738,236$3,693,274
70$7,992,146$2,544,285$1,720,214$3,888,109
71$8,728,690$2,590,300$1,699,186$4,099,432
72$9,537,884$2,636,092$1,674,977$4,328,911
73$10,427,060$2,681,573$1,647,400$4,578,384
74$11,404,296$2,726,645$1,616,264$4,849,885
75$12,478,491$2,771,208$1,581,365$5,145,654
76$13,659,449$2,815,148$1,542,493$5,468,168
77$14,957,971$2,858,349$1,499,425$5,820,158
78$16,385,958$2,900,682$1,451,930$6,204,639
79$17,956,522$2,942,012$1,399,765$6,624,940
80$19,684,107$2,982,191$1,342,677$7,084,733
81$21,584,631$3,021,063$1,280,402$7,588,071
82$23,675,630$3,058,461$1,212,662$8,139,428
83$25,976,426$3,094,208$1,139,168$8,743,739
84$28,508,308$3,128,111$1,059,617$9,406,449
85$31,294,735$3,159,967$973,693$10,133,569
86$34,361,552$3,189,559$881,066$10,931,728
87$37,737,239$3,216,657$781,390$11,808,241
88$41,453,177$3,241,012$674,306$12,771,178
89$45,543,942$3,262,363$559,437$13,829,443
90$50,047,636$3,280,431$436,390$14,992,856
91$55,006,240$3,294,917$304,754$16,272,253
92$60,466,015$3,305,507$164,102$17,679,583
93$66,477,935$3,311,863$13,986$19,228,029
94$73,098,169$3,313,628$0$20,932,131
95$80,388,610$3,310,424$0$22,853,169
96$88,417,461$3,301,848$0$24,971,146
97$97,259,875$3,287,471$0$27,301,395
98$106,998,665$3,266,841$0$29,865,593
99$117,725,089$3,239,475$0$32,687,638
100$129,539,703$3,204,865$0$35,793,871