Can I retire at age 52 with 1,710,000?

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 $1,710,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.7%
1 years$141,210$139,952$138,725$137,527$136,358$132,631
2 years$69,906$68,604$67,342$66,119$64,932$61,205
3 years$46,141$44,834$43,575$42,363$41,196$37,584
4 years$34,261$32,957$31,711$30,520$29,381$25,914
5 years$27,135$25,839$24,609$23,442$22,335$19,021
6 years$22,385$21,099$19,888$18,747$17,673$14,515
7 years$18,994$17,719$16,527$15,413$14,373$11,372
8 years$16,452$15,189$14,016$12,930$11,924$9,077
9 years$14,476$13,225$12,072$11,013$10,041$7,347
10 years$12,896$11,657$10,525$9,493$8,556$6,011
11 years$11,604$10,377$9,266$8,262$7,358$4,958
12 years$10,529$9,314$8,223$7,247$6,377$4,117
13 years$9,619$8,417$7,347$6,398$5,560$3,436
14 years$8,840$7,651$6,601$5,679$4,874$2,880
15 years$8,166$6,989$5,960$5,065$4,292$2,423
16 years$7,576$6,413$5,404$4,535$3,793$2,044
17 years$7,056$5,906$4,917$4,075$3,363$1,729
18 years$6,595$5,457$4,489$3,672$2,990$1,465
19 years$6,182$5,058$4,109$3,318$2,665$1,244
20 years$5,812$4,700$3,771$3,005$2,381$1,057
21 years$5,477$4,378$3,469$2,727$2,131$900
22 years$5,173$4,086$3,197$2,480$1,910$767
23 years$4,895$3,822$2,952$2,258$1,714$654
24 years$4,642$3,581$2,730$2,060$1,541$558
25 years$4,409$3,361$2,529$1,881$1,386$476
26 years$4,194$3,158$2,345$1,720$1,249$407
27 years$3,995$2,972$2,178$1,574$1,126$348
28 years$3,811$2,801$2,024$1,443$1,016$297
29 years$3,640$2,642$1,884$1,323$917$254
30 years$3,481$2,495$1,755$1,214$829$218
31 years$3,332$2,359$1,636$1,115$749$186
32 years$3,193$2,232$1,526$1,025$678$159
33 years$3,062$2,114$1,425$942$614$136
34 years$2,940$2,003$1,332$867$555$117
35 years$2,825$1,900$1,245$798$503$100
36 years$2,716$1,804$1,165$735$456$86
37 years$2,613$1,713$1,090$677$413$73
38 years$2,516$1,628$1,021$624$375$63
39 years$2,425$1,548$956$576$340$54
40 years$2,338$1,473$896$531$308$46
41 years$2,255$1,402$841$490$280$39
42 years$2,177$1,335$788$452$254$34
43 years$2,103$1,272$740$417$230$29
44 years$2,032$1,213$694$385$209$25
45 years$1,964$1,156$652$356$190$21
46 years$1,900$1,103$612$329$172$18
47 years$1,838$1,053$575$304$156$16
48 years$1,780$1,005$541$281$142$13
49 years$1,723$960$508$259$129$11
50 years$1,670$917$478$240$117$10

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,710,000, adding $5,139 every year, while hoping to spend $49,656 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: 66/8/26 Blend
51$1,710,000$1,710,000$1,710,000$1,710,000
52$1,889,721$1,799,091$1,772,586$2,001,299
53$2,029,639$1,834,413$1,779,134$2,112,436
54$2,182,164$1,869,801$1,784,237$2,227,845
55$2,348,530$1,905,207$1,787,794$2,352,911
56$2,530,095$1,940,577$1,789,700$2,488,588
57$2,728,353$1,975,853$1,789,843$2,635,930
58$2,944,949$2,010,974$1,788,107$2,796,096
59$3,181,695$2,045,872$1,784,369$2,970,366
60$3,440,583$2,080,476$1,778,502$3,160,148
61$3,723,811$2,114,708$1,770,370$3,366,998
62$4,033,795$2,148,484$1,759,833$3,592,629
63$4,373,198$2,181,715$1,746,742$3,838,931
64$4,744,950$2,214,304$1,730,944$4,107,984
65$5,152,279$2,246,150$1,712,275$4,402,087
66$5,598,742$2,277,142$1,690,567$4,723,769
67$6,088,253$2,307,161$1,665,641$5,075,820
68$6,625,126$2,336,083$1,637,310$5,461,318
69$7,214,109$2,363,771$1,605,380$5,883,653
70$7,860,435$2,390,083$1,569,647$6,346,564
71$8,569,866$2,414,864$1,529,898$6,854,171
72$9,348,751$2,437,951$1,485,908$7,411,019
73$10,204,082$2,459,169$1,437,444$8,022,117
74$11,143,563$2,478,332$1,384,262$8,692,985
75$12,175,678$2,495,242$1,326,107$9,429,710
76$13,309,776$2,509,688$1,262,711$10,239,003
77$14,556,156$2,521,446$1,193,795$11,128,260
78$15,926,163$2,530,276$1,119,066$12,105,634
79$17,432,298$2,535,926$1,038,221$13,180,115
80$19,088,331$2,538,124$950,939$14,361,610
81$20,909,434$2,536,586$856,889$15,661,041
82$22,912,323$2,531,006$755,722$17,090,446
83$25,115,417$2,521,061$647,075$18,663,098
84$27,539,005$2,506,410$530,569$20,393,624
85$30,205,448$2,486,688$405,806$22,298,149
86$33,139,377$2,461,509$272,375$24,394,446
87$36,367,936$2,430,465$129,842$26,702,107
88$39,921,031$2,393,123$0$29,242,725
89$43,831,613$2,349,024$0$32,046,280
90$48,135,992$2,297,681$0$35,171,673
91$52,874,175$2,238,579$0$38,611,899
92$58,090,244$2,171,172$0$42,398,973
93$63,832,774$2,094,885$0$46,568,174
94$70,155,288$2,009,105$0$51,158,380
95$77,116,762$1,913,186$0$56,212,430
96$84,782,185$1,806,445$0$61,777,531
97$93,223,165$1,688,158$0$67,905,706
98$102,518,610$1,557,560$0$74,654,280
99$112,755,472$1,413,844$0$82,086,426
100$124,029,562$1,256,155$0$90,271,755