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%18.6%
1 years$142,036$140,771$139,536$138,332$137,155$132,394
2 years$70,315$69,005$67,736$66,506$65,312$60,565
3 years$46,411$45,096$43,830$42,611$41,437$36,852
4 years$34,461$33,150$31,897$30,699$29,553$25,166
5 years$27,293$25,990$24,753$23,580$22,466$18,288
6 years$22,516$21,223$20,004$18,857$17,776$13,811
7 years$19,106$17,823$16,624$15,503$14,457$10,704
8 years$16,549$15,278$14,098$13,005$11,993$8,449
9 years$14,561$13,302$12,143$11,078$10,100$6,760
10 years$12,972$11,725$10,586$9,549$8,606$5,465
11 years$11,672$10,438$9,320$8,310$7,401$4,453
12 years$10,590$9,369$8,271$7,289$6,414$3,651
13 years$9,675$8,466$7,390$6,435$5,593$3,008
14 years$8,892$7,696$6,640$5,713$4,903$2,489
15 years$8,213$7,030$5,995$5,095$4,317$2,066
16 years$7,620$6,450$5,435$4,562$3,815$1,719
17 years$7,098$5,940$4,946$4,099$3,383$1,434
18 years$6,633$5,489$4,515$3,694$3,008$1,198
19 years$6,219$5,087$4,133$3,338$2,681$1,003
20 years$5,846$4,727$3,793$3,023$2,395$840
21 years$5,509$4,403$3,489$2,743$2,143$704
22 years$5,203$4,110$3,216$2,494$1,921$591
23 years$4,924$3,844$2,969$2,272$1,724$497
24 years$4,669$3,602$2,746$2,072$1,550$417
25 years$4,434$3,380$2,543$1,892$1,395$351
26 years$4,218$3,177$2,359$1,730$1,256$295
27 years$4,019$2,990$2,190$1,584$1,133$249
28 years$3,834$2,817$2,036$1,451$1,022$209
29 years$3,661$2,658$1,895$1,331$923$176
30 years$3,501$2,510$1,765$1,221$834$148
31 years$3,352$2,373$1,645$1,121$754$125
32 years$3,212$2,245$1,535$1,031$682$105
33 years$3,080$2,126$1,433$948$617$89
34 years$2,957$2,015$1,339$872$559$75
35 years$2,841$1,911$1,252$803$506$63
36 years$2,732$1,814$1,171$739$459$53
37 years$2,629$1,723$1,096$681$416$45
38 years$2,531$1,637$1,027$628$377$38
39 years$2,439$1,557$962$579$342$32
40 years$2,352$1,481$902$534$310$27
41 years$2,269$1,410$845$493$281$23
42 years$2,190$1,343$793$455$255$19
43 years$2,115$1,280$744$420$232$16
44 years$2,044$1,220$699$388$210$14
45 years$1,976$1,163$656$358$191$11
46 years$1,911$1,110$616$331$173$10
47 years$1,849$1,059$579$305$157$8
48 years$1,790$1,011$544$282$143$7
49 years$1,733$965$511$261$130$6
50 years$1,679$922$481$241$118$5

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 $5,349 every year, while hoping to spend $25,671 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: 33/44/23 Blend
51$1,720,000$1,720,000$1,720,000$1,720,000
52$1,900,957$1,809,797$1,783,137$1,950,146
53$2,067,541$1,871,164$1,815,559$2,048,823
54$2,250,257$1,934,677$1,848,206$2,152,398
55$2,450,721$2,000,414$1,881,059$2,263,506
56$2,670,718$2,068,458$1,914,098$2,382,827
57$2,912,209$2,138,891$1,947,299$2,511,109
58$3,177,359$2,211,801$1,980,638$2,649,172
59$3,468,550$2,287,279$2,014,089$2,797,919
60$3,788,406$2,365,419$2,047,625$2,958,341
61$4,139,818$2,446,319$2,081,215$3,131,527
62$4,525,971$2,530,081$2,114,827$3,318,676
63$4,950,375$2,616,810$2,148,429$3,521,104
64$5,416,894$2,706,615$2,181,982$3,740,258
65$5,929,788$2,799,610$2,215,450$3,977,732
66$6,493,750$2,895,913$2,248,790$4,235,276
67$7,113,947$2,995,648$2,281,960$4,514,816
68$7,796,077$3,098,942$2,314,912$4,818,472
69$8,546,414$3,205,927$2,347,599$5,148,575
70$9,371,871$3,316,741$2,379,967$5,507,692
71$10,280,068$3,431,528$2,411,962$5,898,645
72$11,279,398$3,550,435$2,443,525$6,324,541
73$12,379,108$3,673,618$2,474,595$6,788,801
74$13,589,388$3,801,237$2,505,105$7,295,188
75$14,921,467$3,933,459$2,534,988$7,847,848
76$16,387,716$4,070,457$2,564,169$8,451,340
77$18,001,767$4,212,413$2,592,572$9,110,689
78$19,778,639$4,359,513$2,620,115$9,831,423
79$21,734,884$4,511,953$2,646,713$10,619,632
80$23,888,739$4,669,936$2,672,275$11,482,018
81$26,260,300$4,833,672$2,696,705$12,425,966
82$28,871,709$5,003,381$2,719,904$13,459,606
83$31,747,367$5,179,290$2,741,764$14,591,890
84$34,914,161$5,361,638$2,762,176$15,832,680
85$38,401,718$5,550,670$2,781,020$17,192,835
86$42,242,684$5,746,644$2,798,175$18,684,318
87$46,473,034$5,949,826$2,813,511$20,320,304
88$51,132,410$6,160,494$2,826,890$22,115,305
89$56,264,495$6,378,938$2,838,171$24,085,305
90$61,917,426$6,605,457$2,847,201$26,247,914
91$68,144,244$6,840,366$2,853,823$28,622,528
92$75,003,402$7,083,989$2,857,871$31,230,514
93$82,559,310$7,336,665$2,859,171$34,095,412
94$90,882,946$7,598,748$2,857,540$37,243,152
95$100,052,525$7,870,605$2,852,785$40,702,302
96$110,154,235$8,152,617$2,844,706$44,504,334
97$121,283,054$8,445,183$2,833,092$48,683,922
98$133,543,646$8,748,717$2,817,720$53,279,266
99$147,051,344$9,063,651$2,798,360$58,332,452
100$161,933,244$9,390,432$2,774,768$63,889,851