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%14.8%
1 years$140,384$139,134$137,914$136,723$135,560$132,878
2 years$69,497$68,203$66,949$65,732$64,553$61,861
3 years$45,871$44,571$43,320$42,115$40,955$38,339
4 years$34,061$32,765$31,526$30,342$29,209$26,688
5 years$26,976$25,688$24,465$23,305$22,204$19,786
6 years$22,255$20,976$19,772$18,637$17,570$15,256
7 years$18,883$17,616$16,430$15,323$14,289$12,081
8 years$16,356$15,100$13,934$12,854$11,854$9,751
9 years$14,392$13,147$12,002$10,949$9,983$7,984
10 years$12,821$11,589$10,463$9,438$8,506$6,609
11 years$11,537$10,317$9,212$8,214$7,315$5,518
12 years$10,467$9,260$8,175$7,205$6,339$4,639
13 years$9,563$8,368$7,304$6,361$5,528$3,921
14 years$8,788$7,606$6,563$5,646$4,846$3,330
15 years$8,118$6,949$5,925$5,035$4,267$2,839
16 years$7,532$6,375$5,372$4,509$3,771$2,428
17 years$7,015$5,871$4,888$4,051$3,343$2,082
18 years$6,556$5,425$4,462$3,651$2,973$1,789
19 years$6,146$5,028$4,085$3,299$2,650$1,540
20 years$5,778$4,672$3,749$2,988$2,367$1,328
21 years$5,445$4,352$3,448$2,712$2,118$1,147
22 years$5,142$4,063$3,178$2,465$1,899$992
23 years$4,867$3,800$2,935$2,245$1,704$858
24 years$4,615$3,560$2,714$2,048$1,532$743
25 years$4,383$3,341$2,514$1,870$1,378$644
26 years$4,169$3,140$2,331$1,710$1,242$559
27 years$3,972$2,955$2,165$1,565$1,119$485
28 years$3,789$2,784$2,013$1,434$1,010$421
29 years$3,619$2,627$1,873$1,315$912$366
30 years$3,460$2,481$1,744$1,207$824$318
31 years$3,313$2,345$1,626$1,108$745$276
32 years$3,174$2,219$1,517$1,019$674$240
33 years$3,044$2,101$1,417$937$610$209
34 years$2,923$1,992$1,324$862$552$182
35 years$2,808$1,889$1,238$793$500$158
36 years$2,700$1,793$1,158$731$453$138
37 years$2,598$1,703$1,084$673$411$120
38 years$2,502$1,618$1,015$621$372$104
39 years$2,411$1,539$951$572$338$91
40 years$2,324$1,464$891$528$306$79
41 years$2,242$1,394$836$487$278$69
42 years$2,164$1,327$784$449$252$60
43 years$2,090$1,265$736$415$229$52
44 years$2,020$1,206$690$383$208$45
45 years$1,953$1,150$648$354$189$40
46 years$1,889$1,097$609$327$171$34
47 years$1,828$1,047$572$302$155$30
48 years$1,769$999$538$279$141$26
49 years$1,713$954$505$258$128$23
50 years$1,660$911$475$238$116$20

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 $3,108 every year, while hoping to spend $28,729 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: 48/32/20 Blend
51$1,700,000$1,700,000$1,700,000$1,700,000
52$1,876,606$1,786,506$1,760,156$1,955,939
53$2,037,452$1,843,477$1,788,554$2,068,424
54$2,213,742$1,902,277$1,816,940$2,187,348
55$2,407,020$1,962,965$1,845,284$2,315,886
56$2,618,988$2,025,603$1,873,553$2,454,951
57$2,851,520$2,090,252$1,901,712$2,605,549
58$3,106,681$2,156,980$1,929,725$2,768,785
59$3,386,743$2,225,853$1,957,551$2,945,878
60$3,694,212$2,296,941$1,985,150$3,138,167
61$4,031,846$2,370,315$2,012,477$3,347,127
62$4,402,685$2,446,051$2,039,486$3,574,379
63$4,810,076$2,524,226$2,066,127$3,821,712
64$5,257,709$2,604,918$2,092,347$4,091,092
65$5,749,646$2,688,209$2,118,091$4,384,684
66$6,290,363$2,774,185$2,143,300$4,704,872
67$6,884,792$2,862,932$2,167,913$5,054,283
68$7,538,367$2,954,542$2,191,864$5,435,806
69$8,257,073$3,049,107$2,215,084$5,852,625
70$9,047,506$3,146,724$2,237,501$6,308,247
71$9,916,931$3,247,494$2,259,037$6,806,532
72$10,873,355$3,351,518$2,279,612$7,351,734
73$11,925,599$3,458,904$2,299,140$7,948,537
74$13,083,381$3,569,761$2,317,532$8,602,099
75$14,357,410$3,684,203$2,334,694$9,318,104
76$15,759,485$3,802,348$2,350,525$10,102,813
77$17,302,607$3,924,318$2,364,922$10,963,121
78$19,001,100$4,050,236$2,377,774$11,906,626
79$20,870,748$4,180,234$2,388,966$12,941,696
80$22,928,945$4,314,446$2,398,376$14,077,550
81$25,194,852$4,453,009$2,405,877$15,324,347
82$27,689,588$4,596,067$2,411,335$16,693,276
83$30,436,420$4,743,768$2,414,608$18,196,666
84$33,460,987$4,896,266$2,415,550$19,848,100
85$36,791,542$5,053,717$2,414,005$21,662,544
86$40,459,216$5,216,285$2,409,811$23,656,486
87$44,498,313$5,384,140$2,402,796$25,848,093
88$48,946,634$5,557,456$2,392,783$28,257,383
89$53,845,832$5,736,413$2,379,583$30,906,411
90$59,241,808$5,921,199$2,363,000$33,819,477
91$65,185,141$6,112,006$2,342,829$37,023,359
92$71,731,564$6,309,033$2,318,852$40,547,561
93$78,942,495$6,512,487$2,290,845$44,424,591
94$86,885,611$6,722,581$2,258,571$48,690,273
95$95,635,492$6,939,535$2,221,781$53,384,077
96$105,274,318$7,163,578$2,180,217$58,549,499
97$115,892,650$7,394,946$2,133,606$64,234,464
98$127,590,284$7,633,881$2,081,665$70,491,783
99$140,477,188$7,880,637$2,024,096$77,379,648
100$154,674,547$8,135,474$1,960,589$84,962,186