Can I retire at age 52 with 1,700,000?

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 $1,700,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.5%
1 years$140,384$139,134$137,914$136,723$135,560$133,590
2 years$69,497$68,203$66,949$65,732$64,553$62,571
3 years$45,871$44,571$43,320$42,115$40,955$39,025
4 years$34,061$32,765$31,526$30,342$29,209$27,345
5 years$26,976$25,688$24,465$23,305$22,204$20,411
6 years$22,255$20,976$19,772$18,637$17,570$15,850
7 years$18,883$17,616$16,430$15,323$14,289$12,643
8 years$16,356$15,100$13,934$12,854$11,854$10,282
9 years$14,392$13,147$12,002$10,949$9,983$8,484
10 years$12,821$11,589$10,463$9,438$8,506$7,079
11 years$11,537$10,317$9,212$8,214$7,315$5,958
12 years$10,467$9,260$8,175$7,205$6,339$5,051
13 years$9,563$8,368$7,304$6,361$5,528$4,307
14 years$8,788$7,606$6,563$5,646$4,846$3,690
15 years$8,118$6,949$5,925$5,035$4,267$3,174
16 years$7,532$6,375$5,372$4,509$3,771$2,739
17 years$7,015$5,871$4,888$4,051$3,343$2,370
18 years$6,556$5,425$4,462$3,651$2,973$2,056
19 years$6,146$5,028$4,085$3,299$2,650$1,787
20 years$5,778$4,672$3,749$2,988$2,367$1,556
21 years$5,445$4,352$3,448$2,712$2,118$1,357
22 years$5,142$4,063$3,178$2,465$1,899$1,185
23 years$4,867$3,800$2,935$2,245$1,704$1,036
24 years$4,615$3,560$2,714$2,048$1,532$907
25 years$4,383$3,341$2,514$1,870$1,378$794
26 years$4,169$3,140$2,331$1,710$1,242$696
27 years$3,972$2,955$2,165$1,565$1,119$610
28 years$3,789$2,784$2,013$1,434$1,010$536
29 years$3,619$2,627$1,873$1,315$912$470
30 years$3,460$2,481$1,744$1,207$824$413
31 years$3,313$2,345$1,626$1,108$745$363
32 years$3,174$2,219$1,517$1,019$674$319
33 years$3,044$2,101$1,417$937$610$281
34 years$2,923$1,992$1,324$862$552$247
35 years$2,808$1,889$1,238$793$500$217
36 years$2,700$1,793$1,158$731$453$191
37 years$2,598$1,703$1,084$673$411$168
38 years$2,502$1,618$1,015$621$372$148
39 years$2,411$1,539$951$572$338$130
40 years$2,324$1,464$891$528$306$115
41 years$2,242$1,394$836$487$278$101
42 years$2,164$1,327$784$449$252$89
43 years$2,090$1,265$736$415$229$78
44 years$2,020$1,206$690$383$208$69
45 years$1,953$1,150$648$354$189$61
46 years$1,889$1,097$609$327$171$53
47 years$1,828$1,047$572$302$155$47
48 years$1,769$999$538$279$141$41
49 years$1,713$954$505$258$128$36
50 years$1,660$911$475$238$116$32

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,700,000, adding $3,836 every year, while hoping to spend $32,265 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: 63/16/21 Blend
51$1,700,000$1,700,000$1,700,000$1,700,000
52$1,877,357$1,787,257$1,760,907$1,985,212
53$2,034,518$1,840,503$1,785,568$2,111,641
54$2,206,627$1,895,276$1,809,973$2,245,706
55$2,395,177$1,951,618$1,834,080$2,391,385
56$2,601,808$2,009,570$1,857,845$2,549,816
57$2,828,328$2,069,175$1,881,219$2,722,251
58$3,076,729$2,130,477$1,904,152$2,910,069
59$3,349,205$2,193,519$1,926,590$3,114,789
60$3,648,170$2,258,348$1,948,477$3,338,083
61$3,976,286$2,325,010$1,969,754$3,581,793
62$4,336,484$2,393,553$1,990,358$3,847,950
63$4,731,993$2,464,024$2,010,222$4,138,788
64$5,166,369$2,536,474$2,029,277$4,456,771
65$5,643,531$2,610,953$2,047,450$4,804,610
66$6,167,794$2,687,513$2,064,662$5,185,294
67$6,743,913$2,766,205$2,080,833$5,602,117
68$7,377,128$2,847,084$2,095,876$6,058,704
69$8,073,208$2,930,205$2,109,701$6,559,052
70$8,838,512$3,015,622$2,122,213$7,107,564
71$9,680,045$3,103,392$2,133,312$7,709,092
72$10,605,524$3,193,573$2,142,893$8,368,981
73$11,623,454$3,286,224$2,150,845$9,093,119
74$12,743,201$3,381,404$2,157,053$9,887,996
75$13,975,088$3,479,173$2,161,395$10,760,762
76$15,330,488$3,579,594$2,163,743$11,719,296
77$16,821,932$3,682,728$2,163,963$12,772,278
78$18,463,227$3,788,640$2,161,914$13,929,275
79$20,269,586$3,897,393$2,157,448$15,200,828
80$22,257,772$4,009,054$2,150,410$16,598,551
81$24,446,254$4,123,687$2,140,639$18,135,244
82$26,855,385$4,241,360$2,127,962$19,825,010
83$29,507,589$4,362,141$2,112,204$21,683,391
84$32,427,575$4,486,098$2,093,175$23,727,513
85$35,642,572$4,613,301$2,070,680$25,976,248
86$39,182,581$4,743,820$2,044,515$28,450,393
87$43,080,661$4,877,724$2,014,463$31,172,864
88$47,373,242$5,015,086$1,980,301$34,168,918
89$52,100,464$5,155,977$1,941,793$37,466,382
90$57,306,560$5,300,468$1,898,691$41,095,924
91$63,040,272$5,448,633$1,850,740$45,091,341
92$69,355,307$5,600,544$1,797,667$49,489,874
93$76,310,851$5,756,274$1,739,192$54,332,563
94$83,972,122$5,915,895$1,675,019$59,664,636
95$92,410,986$6,079,481$1,604,840$65,535,932
96$101,706,636$6,247,105$1,528,331$72,001,374
97$111,946,339$6,418,839$1,445,156$79,121,486
98$123,226,258$6,594,755$1,354,961$86,962,968
99$135,652,363$6,774,925$1,257,379$95,599,323
100$149,341,427$6,959,419$1,152,025$105,111,548