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%17.3%
1 years$137,907$136,679$135,480$134,310$133,168$129,216
2 years$68,271$66,999$65,767$64,572$63,413$59,464
3 years$45,062$43,785$42,556$41,372$40,232$36,410
4 years$33,460$32,186$30,970$29,806$28,694$25,028
5 years$26,500$25,235$24,034$22,894$21,813$18,313
6 years$21,862$20,606$19,423$18,309$17,260$13,929
7 years$18,550$17,305$16,140$15,052$14,037$10,875
8 years$16,068$14,833$13,688$12,627$11,645$8,651
9 years$14,138$12,915$11,790$10,756$9,807$6,977
10 years$12,595$11,384$10,279$9,271$8,356$5,686
11 years$11,333$10,135$9,049$8,069$7,186$4,672
12 years$10,282$9,096$8,031$7,077$6,227$3,864
13 years$9,394$8,220$7,175$6,248$5,430$3,212
14 years$8,633$7,472$6,447$5,547$4,760$2,682
15 years$7,975$6,826$5,821$4,947$4,191$2,246
16 years$7,399$6,263$5,277$4,429$3,704$1,887
17 years$6,891$5,768$4,802$3,980$3,284$1,589
18 years$6,441$5,330$4,384$3,586$2,920$1,341
19 years$6,038$4,939$4,013$3,241$2,603$1,133
20 years$5,676$4,590$3,683$2,935$2,325$959
21 years$5,349$4,275$3,388$2,664$2,081$812
22 years$5,052$3,991$3,122$2,422$1,865$689
23 years$4,781$3,733$2,883$2,206$1,674$584
24 years$4,533$3,497$2,666$2,012$1,505$496
25 years$4,306$3,282$2,469$1,837$1,354$422
26 years$4,096$3,084$2,290$1,680$1,220$359
27 years$3,902$2,903$2,127$1,538$1,100$305
28 years$3,722$2,735$1,977$1,409$992$259
29 years$3,555$2,580$1,840$1,292$896$221
30 years$3,399$2,437$1,714$1,186$810$188
31 years$3,254$2,304$1,598$1,089$732$160
32 years$3,118$2,180$1,491$1,001$662$136
33 years$2,991$2,064$1,392$920$599$116
34 years$2,871$1,957$1,300$847$542$99
35 years$2,758$1,856$1,216$779$491$84
36 years$2,652$1,761$1,137$718$445$72
37 years$2,552$1,673$1,065$661$403$61
38 years$2,458$1,590$997$610$366$52
39 years$2,368$1,512$934$562$332$44
40 years$2,283$1,438$875$518$301$38
41 years$2,203$1,369$821$478$273$32
42 years$2,126$1,304$770$441$248$28
43 years$2,053$1,242$723$408$225$23
44 years$1,984$1,184$678$376$204$20
45 years$1,918$1,129$637$347$185$17
46 years$1,855$1,077$598$321$168$15
47 years$1,795$1,028$562$297$153$12
48 years$1,738$981$528$274$139$11
49 years$1,683$937$496$253$126$9
50 years$1,631$895$467$234$114$8

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 $6,138 every year, while hoping to spend $22,974 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: 71/7/22 Blend
51$1,670,000$1,670,000$1,670,000$1,670,000
52$1,846,671$1,758,161$1,732,276$1,967,315
53$2,010,588$1,819,867$1,765,863$2,110,295
54$2,190,453$1,883,826$1,799,806$2,263,504
55$2,387,871$1,950,126$1,834,091$2,430,698
56$2,604,607$2,018,854$1,868,705$2,613,261
57$2,842,604$2,090,105$1,903,634$2,812,719
58$3,104,005$2,163,976$1,938,861$3,030,751
59$3,391,170$2,240,567$1,974,370$3,269,207
60$3,706,698$2,319,984$2,010,140$3,530,124
61$4,053,453$2,402,335$2,046,152$3,815,747
62$4,434,591$2,487,735$2,082,384$4,128,548
63$4,853,587$2,576,302$2,118,811$4,471,249
64$5,314,270$2,668,158$2,155,409$4,846,851
65$5,820,861$2,763,432$2,192,149$5,258,657
66$6,378,006$2,862,258$2,229,004$5,710,308
67$6,990,827$2,964,774$2,265,940$6,205,814
68$7,664,968$3,071,124$2,302,926$6,749,592
69$8,406,645$3,181,459$2,339,924$7,346,512
70$9,222,708$3,295,936$2,376,897$8,001,934
71$10,120,706$3,414,718$2,413,804$8,721,767
72$11,108,953$3,537,975$2,450,602$9,512,521
73$12,196,613$3,665,883$2,487,244$10,381,367
74$13,393,783$3,798,626$2,523,682$11,336,209
75$14,711,588$3,936,398$2,559,864$12,385,751
76$16,162,285$4,079,397$2,595,735$13,539,589
77$17,759,382$4,227,831$2,631,236$14,808,292
78$19,517,762$4,381,918$2,666,306$16,203,507
79$21,453,825$4,541,883$2,700,878$17,738,067
80$23,585,642$4,707,962$2,734,884$19,426,114
81$25,933,125$4,880,399$2,768,250$21,283,228
82$28,518,217$5,059,452$2,800,899$23,326,580
83$31,365,095$5,245,385$2,832,749$25,575,086
84$34,500,402$5,438,476$2,863,714$28,049,595
85$37,953,496$5,639,015$2,893,702$30,773,077
86$41,756,729$5,847,303$2,922,618$33,770,844
87$45,945,750$6,063,655$2,950,359$37,070,790
88$50,559,839$6,288,397$2,976,819$40,703,649
89$55,642,287$6,521,872$3,001,886$44,703,291
90$61,240,792$6,764,436$3,025,441$49,107,036
91$67,407,918$7,016,459$3,047,360$53,956,011
92$74,201,590$7,278,330$3,067,510$59,295,534
93$81,685,635$7,550,451$3,085,755$65,175,546
94$89,930,391$7,833,243$3,101,948$71,651,076
95$99,013,365$8,127,147$3,115,938$78,782,768
96$109,019,970$8,432,619$3,127,564$86,637,446
97$120,044,327$8,750,137$3,136,657$95,288,749
98$132,190,154$9,080,200$3,143,041$104,817,826
99$145,571,747$9,423,327$3,146,530$115,314,100
100$160,315,056$9,780,060$3,146,929$126,876,112