Can I retire at age 52 with 1,670,000?

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 $1,670,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.9%
1 years$137,907$136,679$135,480$134,310$133,168$131,016
2 years$68,271$66,999$65,767$64,572$63,413$61,251
3 years$45,062$43,785$42,556$41,372$40,232$38,127
4 years$33,460$32,186$30,970$29,806$28,694$26,662
5 years$26,500$25,235$24,034$22,894$21,813$19,860
6 years$21,862$20,606$19,423$18,309$17,260$15,388
7 years$18,550$17,305$16,140$15,052$14,037$12,247
8 years$16,068$14,833$13,688$12,627$11,645$9,937
9 years$14,138$12,915$11,790$10,756$9,807$8,180
10 years$12,595$11,384$10,279$9,271$8,356$6,808
11 years$11,333$10,135$9,049$8,069$7,186$5,717
12 years$10,282$9,096$8,031$7,077$6,227$4,834
13 years$9,394$8,220$7,175$6,248$5,430$4,111
14 years$8,633$7,472$6,447$5,547$4,760$3,512
15 years$7,975$6,826$5,821$4,947$4,191$3,013
16 years$7,399$6,263$5,277$4,429$3,704$2,593
17 years$6,891$5,768$4,802$3,980$3,284$2,237
18 years$6,441$5,330$4,384$3,586$2,920$1,935
19 years$6,038$4,939$4,013$3,241$2,603$1,677
20 years$5,676$4,590$3,683$2,935$2,325$1,456
21 years$5,349$4,275$3,388$2,664$2,081$1,266
22 years$5,052$3,991$3,122$2,422$1,865$1,102
23 years$4,781$3,733$2,883$2,206$1,674$961
24 years$4,533$3,497$2,666$2,012$1,505$838
25 years$4,306$3,282$2,469$1,837$1,354$732
26 years$4,096$3,084$2,290$1,680$1,220$639
27 years$3,902$2,903$2,127$1,538$1,100$559
28 years$3,722$2,735$1,977$1,409$992$489
29 years$3,555$2,580$1,840$1,292$896$428
30 years$3,399$2,437$1,714$1,186$810$375
31 years$3,254$2,304$1,598$1,089$732$328
32 years$3,118$2,180$1,491$1,001$662$287
33 years$2,991$2,064$1,392$920$599$252
34 years$2,871$1,957$1,300$847$542$221
35 years$2,758$1,856$1,216$779$491$193
36 years$2,652$1,761$1,137$718$445$170
37 years$2,552$1,673$1,065$661$403$149
38 years$2,458$1,590$997$610$366$130
39 years$2,368$1,512$934$562$332$114
40 years$2,283$1,438$875$518$301$100
41 years$2,203$1,369$821$478$273$88
42 years$2,126$1,304$770$441$248$77
43 years$2,053$1,242$723$408$225$68
44 years$1,984$1,184$678$376$204$60
45 years$1,918$1,129$637$347$185$52
46 years$1,855$1,077$598$321$168$46
47 years$1,795$1,028$562$297$153$40
48 years$1,738$981$528$274$139$35
49 years$1,683$937$496$253$126$31
50 years$1,631$895$467$234$114$27

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,670,000, adding $3,656 every year, while hoping to spend $26,664 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: 44/48/8 Blend
51$1,670,000$1,670,000$1,670,000$1,670,000
52$1,844,111$1,755,601$1,729,716$1,920,898
53$2,003,840$1,813,255$1,759,291$2,032,107
54$2,178,968$1,872,841$1,788,964$2,149,542
55$2,371,037$1,934,424$1,818,708$2,276,206
56$2,581,746$1,998,074$1,848,498$2,412,955
57$2,812,967$2,063,863$1,878,306$2,560,729
58$3,066,760$2,131,863$1,908,100$2,720,563
59$3,345,397$2,202,151$1,937,848$2,893,594
60$3,651,378$2,274,808$1,967,517$3,081,071
61$3,987,460$2,349,914$1,997,069$3,284,370
62$4,356,676$2,427,555$2,026,466$3,505,001
63$4,762,370$2,507,819$2,055,667$3,744,627
64$5,208,227$2,590,797$2,084,627$4,005,077
65$5,698,305$2,676,584$2,113,300$4,288,361
66$6,237,073$2,765,279$2,141,637$4,596,694
67$6,829,459$2,856,981$2,169,586$4,932,510
68$7,480,888$2,951,798$2,197,092$5,298,489
69$8,197,341$3,049,838$2,224,096$5,697,581
70$8,985,403$3,151,213$2,250,537$6,133,032
71$9,852,334$3,256,043$2,276,350$6,608,415
72$10,806,130$3,364,446$2,301,465$7,127,663
73$11,855,602$3,476,551$2,325,811$7,695,105
74$13,010,458$3,592,487$2,349,311$8,315,509
75$14,281,396$3,712,390$2,371,884$8,994,123
76$15,680,201$3,836,400$2,393,445$9,736,726
77$17,219,861$3,964,663$2,413,905$10,549,680
78$18,914,685$4,097,330$2,433,168$11,439,993
79$20,780,440$4,234,556$2,451,137$12,415,380
80$22,834,501$4,376,506$2,467,706$13,484,340
81$25,096,012$4,523,346$2,482,766$14,656,230
82$27,586,067$4,675,251$2,496,200$15,941,357
83$30,327,910$4,832,404$2,507,888$17,351,074
84$33,347,156$4,994,990$2,517,701$18,897,884
85$36,672,028$5,163,207$2,525,506$20,595,560
86$40,333,625$5,337,254$2,531,161$22,459,271
87$44,366,219$5,517,344$2,534,518$24,505,727
88$48,807,572$5,703,692$2,535,423$26,753,338
89$53,699,296$5,896,525$2,533,712$29,222,380
90$59,087,248$6,096,078$2,529,215$31,935,190
91$65,021,955$6,302,594$2,521,751$34,916,379
92$71,559,098$6,516,324$2,511,133$38,193,055
93$78,760,034$6,737,533$2,497,165$41,795,086
94$86,692,376$6,966,490$2,479,638$45,755,374
95$95,430,629$7,203,479$2,458,337$50,110,173
96$105,056,896$7,448,793$2,433,034$54,899,420
97$115,661,652$7,702,736$2,403,493$60,167,117
98$127,344,595$7,965,624$2,369,464$65,961,747
99$140,215,589$8,237,786$2,330,687$72,336,724
100$154,395,704$8,519,561$2,286,890$79,350,901