Can I retire at age 52 with 1,730,000?

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 $1,730,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.8%
1 years$142,862$141,589$140,348$139,136$137,953$134,672
2 years$70,724$69,406$68,130$66,892$65,692$62,406
3 years$46,681$45,358$44,085$42,859$41,678$38,489
4 years$34,662$33,343$32,082$30,877$29,725$26,658
5 years$27,452$26,141$24,897$23,717$22,596$19,660
6 years$22,647$21,346$20,121$18,966$17,880$15,077
7 years$19,217$17,927$16,720$15,593$14,541$11,872
8 years$16,645$15,366$14,180$13,081$12,063$9,527
9 years$14,646$13,379$12,213$11,142$10,159$7,753
10 years$13,047$11,793$10,648$9,604$8,656$6,378
11 years$11,740$10,499$9,374$8,359$7,444$5,292
12 years$10,652$9,423$8,319$7,332$6,451$4,420
13 years$9,732$8,516$7,433$6,473$5,626$3,712
14 years$8,943$7,741$6,678$5,746$4,931$3,131
15 years$8,261$7,071$6,030$5,124$4,342$2,650
16 years$7,665$6,488$5,467$4,588$3,837$2,250
17 years$7,139$5,975$4,975$4,123$3,402$1,916
18 years$6,672$5,521$4,541$3,715$3,025$1,634
19 years$6,255$5,117$4,157$3,357$2,697$1,397
20 years$5,880$4,755$3,815$3,040$2,409$1,195
21 years$5,541$4,429$3,509$2,759$2,155$1,024
22 years$5,233$4,134$3,234$2,509$1,932$879
23 years$4,953$3,867$2,986$2,285$1,734$755
24 years$4,696$3,623$2,762$2,084$1,559$649
25 years$4,460$3,400$2,558$1,903$1,403$558
26 years$4,243$3,195$2,372$1,740$1,264$480
27 years$4,042$3,007$2,203$1,593$1,139$413
28 years$3,856$2,834$2,048$1,459$1,028$356
29 years$3,683$2,673$1,906$1,338$928$307
30 years$3,522$2,525$1,775$1,228$839$264
31 years$3,371$2,387$1,655$1,128$758$228
32 years$3,230$2,258$1,544$1,037$686$196
33 years$3,098$2,139$1,442$953$621$169
34 years$2,974$2,027$1,347$877$562$146
35 years$2,858$1,922$1,259$807$509$126
36 years$2,748$1,825$1,178$744$461$109
37 years$2,644$1,733$1,103$685$418$94
38 years$2,546$1,647$1,033$632$379$81
39 years$2,453$1,566$968$582$344$70
40 years$2,365$1,490$907$537$312$60
41 years$2,282$1,418$850$496$283$52
42 years$2,203$1,351$798$457$257$45
43 years$2,127$1,287$748$422$233$39
44 years$2,055$1,227$703$390$211$34
45 years$1,987$1,170$660$360$192$29
46 years$1,922$1,116$620$333$174$25
47 years$1,860$1,065$582$307$158$22
48 years$1,800$1,017$547$284$144$19
49 years$1,743$971$514$262$130$16
50 years$1,689$927$483$242$119$14

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,730,000, adding $2,798 every year, while hoping to spend $59,433 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: 51/25/24 Blend
51$1,730,000$1,730,000$1,730,000$1,730,000
52$1,909,346$1,817,656$1,790,841$1,993,763
53$2,040,863$1,843,485$1,787,598$2,078,428
54$2,183,803$1,868,588$1,782,254$2,164,165
55$2,339,268$1,892,866$1,774,677$2,256,176
56$2,508,471$1,916,214$1,764,726$2,355,079
57$2,692,747$1,938,520$1,752,256$2,461,561
58$2,893,563$1,959,664$1,737,113$2,576,375
59$3,112,537$1,979,518$1,719,137$2,700,359
60$3,351,447$1,997,945$1,698,159$2,834,434
61$3,612,251$2,014,800$1,674,004$2,979,619
62$3,897,104$2,029,929$1,646,486$3,137,038
63$4,208,378$2,043,165$1,615,413$3,307,935
64$4,548,687$2,054,334$1,580,584$3,493,682
65$4,920,905$2,063,249$1,541,785$3,695,793
66$5,328,199$2,069,710$1,498,797$3,915,941
67$5,774,056$2,073,506$1,451,387$4,155,973
68$6,262,315$2,074,414$1,399,314$4,417,929
69$6,797,205$2,072,194$1,342,325$4,704,059
70$7,383,383$2,066,594$1,280,155$5,016,850
71$8,025,975$2,057,344$1,212,528$5,359,043
72$8,730,630$2,044,160$1,139,154$5,733,668
73$9,503,570$2,026,739$1,059,731$6,144,067
74$10,351,646$2,004,761$973,943$6,593,928
75$11,282,404$1,977,885$881,461$7,087,321
76$12,304,159$1,945,751$781,940$7,628,741
77$13,426,068$1,907,978$675,019$8,223,143
78$14,658,219$1,864,160$560,324$8,876,000
79$16,011,724$1,813,870$437,462$9,593,346
80$17,498,825$1,756,655$306,022$10,381,842
81$19,133,008$1,692,034$165,576$11,248,835
82$20,929,130$1,619,500$15,679$12,202,433
83$22,903,561$1,538,515$0$13,251,578
84$25,074,333$1,448,511$0$14,443,085
85$27,461,314$1,348,887$0$15,757,574
86$30,086,394$1,239,008$0$17,203,161
87$32,973,688$1,118,201$0$18,793,222
88$36,149,768$985,757$0$20,542,504
89$39,643,910$840,925$0$22,467,264
90$43,488,371$682,913$0$24,585,420
91$47,718,692$510,882$0$26,916,727
92$52,374,033$323,950$0$29,482,961
93$57,497,541$121,180$0$32,308,126
94$63,136,760$0$0$35,418,681
95$69,344,076$0$0$38,870,868
96$76,177,209$0$0$42,708,016
97$83,699,763$0$0$46,932,532
98$91,981,821$0$0$51,583,799
99$101,100,606$0$0$56,705,216
100$111,141,211$0$0$62,344,604