Can I retire at age 52 with 1,720,000?

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 $1,720,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13%
1 years$142,036$140,771$139,536$138,332$137,155$135,441
2 years$70,315$69,005$67,736$66,506$65,312$63,587
3 years$46,411$45,096$43,830$42,611$41,437$39,755
4 years$34,461$33,150$31,897$30,699$29,553$27,927
5 years$27,293$25,990$24,753$23,580$22,466$20,901
6 years$22,516$21,223$20,004$18,857$17,776$16,274
7 years$19,106$17,823$16,624$15,503$14,457$13,017
8 years$16,549$15,278$14,098$13,005$11,993$10,617
9 years$14,561$13,302$12,143$11,078$10,100$8,786
10 years$12,972$11,725$10,586$9,549$8,606$7,353
11 years$11,672$10,438$9,320$8,310$7,401$6,209
12 years$10,590$9,369$8,271$7,289$6,414$5,280
13 years$9,675$8,466$7,390$6,435$5,593$4,517
14 years$8,892$7,696$6,640$5,713$4,903$3,883
15 years$8,213$7,030$5,995$5,095$4,317$3,351
16 years$7,620$6,450$5,435$4,562$3,815$2,902
17 years$7,098$5,940$4,946$4,099$3,383$2,520
18 years$6,633$5,489$4,515$3,694$3,008$2,194
19 years$6,219$5,087$4,133$3,338$2,681$1,914
20 years$5,846$4,727$3,793$3,023$2,395$1,673
21 years$5,509$4,403$3,489$2,743$2,143$1,465
22 years$5,203$4,110$3,216$2,494$1,921$1,284
23 years$4,924$3,844$2,969$2,272$1,724$1,127
24 years$4,669$3,602$2,746$2,072$1,550$990
25 years$4,434$3,380$2,543$1,892$1,395$870
26 years$4,218$3,177$2,359$1,730$1,256$766
27 years$4,019$2,990$2,190$1,584$1,133$674
28 years$3,834$2,817$2,036$1,451$1,022$594
29 years$3,661$2,658$1,895$1,331$923$524
30 years$3,501$2,510$1,765$1,221$834$462
31 years$3,352$2,373$1,645$1,121$754$408
32 years$3,212$2,245$1,535$1,031$682$360
33 years$3,080$2,126$1,433$948$617$318
34 years$2,957$2,015$1,339$872$559$280
35 years$2,841$1,911$1,252$803$506$248
36 years$2,732$1,814$1,171$739$459$219
37 years$2,629$1,723$1,096$681$416$193
38 years$2,531$1,637$1,027$628$377$171
39 years$2,439$1,557$962$579$342$151
40 years$2,352$1,481$902$534$310$134
41 years$2,269$1,410$845$493$281$118
42 years$2,190$1,343$793$455$255$104
43 years$2,115$1,280$744$420$232$92
44 years$2,044$1,220$699$388$210$82
45 years$1,976$1,163$656$358$191$72
46 years$1,911$1,110$616$331$173$64
47 years$1,849$1,059$579$305$157$57
48 years$1,790$1,011$544$282$143$50
49 years$1,733$965$511$261$130$44
50 years$1,679$922$481$241$118$39

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,720,000, adding $6,329 every year, while hoping to spend $58,787 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: 43/44/13 Blend
51$1,720,000$1,720,000$1,720,000$1,720,000
52$1,901,968$1,810,808$1,784,148$1,976,317
53$2,033,420$1,836,989$1,781,368$2,055,137
54$2,176,310$1,862,482$1,776,525$2,134,100
55$2,331,742$1,887,192$1,769,487$2,218,355
56$2,500,932$1,911,017$1,760,117$2,308,411
57$2,685,216$1,933,846$1,748,271$2,404,832
58$2,886,068$1,955,564$1,733,797$2,508,243
59$3,105,105$1,976,045$1,716,537$2,619,331
60$3,344,111$1,995,156$1,696,326$2,738,857
61$3,605,047$2,012,756$1,672,990$2,867,663
62$3,890,074$2,028,693$1,646,347$3,006,678
63$4,201,568$2,042,806$1,616,207$3,156,930
64$4,542,149$2,054,924$1,582,371$3,319,552
65$4,914,697$2,064,865$1,544,629$3,495,798
66$5,322,387$2,072,434$1,502,765$3,687,054
67$5,768,712$2,077,425$1,456,550$3,894,850
68$6,257,521$2,079,619$1,405,744$4,120,876
69$6,793,051$2,078,783$1,350,099$4,366,999
70$7,379,969$2,074,670$1,289,354$4,635,282
71$8,023,414$2,067,017$1,223,236$4,928,003
72$8,729,048$2,055,546$1,151,460$5,247,676
73$9,503,104$2,039,961$1,073,727$5,597,081
74$10,352,450$2,019,949$989,727$5,979,286
75$11,284,651$1,995,177$899,133$6,397,676
76$12,308,038$1,965,294$801,607$6,855,994
77$13,431,789$1,929,925$696,792$7,358,368
78$14,666,016$1,888,675$584,319$7,909,358
79$16,021,856$1,841,126$463,800$8,513,996
80$17,511,578$1,786,834$334,830$9,177,836
81$19,148,700$1,725,330$196,988$9,907,013
82$20,948,113$1,656,117$49,832$10,708,293
83$22,926,223$1,578,669$0$11,589,148
84$25,101,104$1,492,430$0$12,572,690
85$27,492,670$1,396,813$0$13,661,492
86$30,122,860$1,291,194$0$14,858,741
87$33,015,847$1,174,918$0$16,175,589
88$36,198,262$1,047,288$0$17,624,334
89$39,699,450$907,570$0$19,218,543
90$43,551,742$754,989$0$20,973,175
91$47,790,760$588,724$0$22,904,735
92$52,455,756$407,909$0$25,031,419
93$57,589,976$211,631$0$27,373,300
94$63,241,075$0$0$29,952,512
95$69,461,559$0$0$32,793,986
96$76,309,284$0$0$36,035,036
97$83,848,000$0$0$39,603,398
98$92,147,953$0$0$43,532,356
99$101,286,546$0$0$47,858,584
100$111,349,070$0$0$52,622,495