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%17.5%
1 years$142,862$141,589$140,348$139,136$137,953$133,751
2 years$70,724$69,406$68,130$66,892$65,692$61,495
3 years$46,681$45,358$44,085$42,859$41,678$37,617
4 years$34,662$33,343$32,082$30,877$29,725$25,831
5 years$27,452$26,141$24,897$23,717$22,596$18,881
6 years$22,647$21,346$20,121$18,966$17,880$14,345
7 years$19,217$17,927$16,720$15,593$14,541$11,188
8 years$16,645$15,366$14,180$13,081$12,063$8,889
9 years$14,646$13,379$12,213$11,142$10,159$7,160
10 years$13,047$11,793$10,648$9,604$8,656$5,828
11 years$11,740$10,499$9,374$8,359$7,444$4,783
12 years$10,652$9,423$8,319$7,332$6,451$3,950
13 years$9,732$8,516$7,433$6,473$5,626$3,279
14 years$8,943$7,741$6,678$5,746$4,931$2,734
15 years$8,261$7,071$6,030$5,124$4,342$2,287
16 years$7,665$6,488$5,467$4,588$3,837$1,918
17 years$7,139$5,975$4,975$4,123$3,402$1,613
18 years$6,672$5,521$4,541$3,715$3,025$1,359
19 years$6,255$5,117$4,157$3,357$2,697$1,147
20 years$5,880$4,755$3,815$3,040$2,409$969
21 years$5,541$4,429$3,509$2,759$2,155$819
22 years$5,233$4,134$3,234$2,509$1,932$694
23 years$4,953$3,867$2,986$2,285$1,734$588
24 years$4,696$3,623$2,762$2,084$1,559$498
25 years$4,460$3,400$2,558$1,903$1,403$423
26 years$4,243$3,195$2,372$1,740$1,264$359
27 years$4,042$3,007$2,203$1,593$1,139$305
28 years$3,856$2,834$2,048$1,459$1,028$259
29 years$3,683$2,673$1,906$1,338$928$220
30 years$3,522$2,525$1,775$1,228$839$187
31 years$3,371$2,387$1,655$1,128$758$159
32 years$3,230$2,258$1,544$1,037$686$135
33 years$3,098$2,139$1,442$953$621$115
34 years$2,974$2,027$1,347$877$562$98
35 years$2,858$1,922$1,259$807$509$83
36 years$2,748$1,825$1,178$744$461$71
37 years$2,644$1,733$1,103$685$418$60
38 years$2,546$1,647$1,033$632$379$51
39 years$2,453$1,566$968$582$344$44
40 years$2,365$1,490$907$537$312$37
41 years$2,282$1,418$850$496$283$32
42 years$2,203$1,351$798$457$257$27
43 years$2,127$1,287$748$422$233$23
44 years$2,055$1,227$703$390$211$19
45 years$1,987$1,170$660$360$192$17
46 years$1,922$1,116$620$333$174$14
47 years$1,860$1,065$582$307$158$12
48 years$1,800$1,017$547$284$144$10
49 years$1,743$971$514$262$130$9
50 years$1,689$927$483$242$119$7

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 $4,048 every year, while hoping to spend $28,735 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: 47/25/28 Blend
51$1,730,000$1,730,000$1,730,000$1,730,000
52$1,910,636$1,818,946$1,792,131$1,984,929
53$2,074,947$1,877,500$1,821,593$2,096,332
54$2,255,054$1,937,961$1,851,080$2,214,072
55$2,452,539$2,000,390$1,880,560$2,341,330
56$2,669,143$2,064,855$1,910,004$2,479,016
57$2,906,784$2,131,420$1,939,377$2,628,130
58$3,167,574$2,200,158$1,968,644$2,789,775
59$3,453,839$2,271,139$1,997,767$2,965,163
60$3,768,144$2,344,437$2,026,705$3,155,632
61$4,113,311$2,420,131$2,055,416$3,362,650
62$4,492,451$2,498,300$2,083,855$3,587,837
63$4,908,990$2,579,026$2,111,973$3,832,975
64$5,366,703$2,662,394$2,139,720$4,100,027
65$5,869,748$2,748,492$2,167,042$4,391,154
66$6,422,706$2,837,412$2,193,881$4,708,736
67$7,030,624$2,929,248$2,220,179$5,055,396
68$7,699,064$3,024,097$2,245,871$5,434,020
69$8,434,151$3,122,060$2,270,890$5,847,788
70$9,242,634$3,223,241$2,295,165$6,300,203
71$10,131,952$3,327,748$2,318,621$6,795,125
72$11,110,296$3,435,694$2,341,181$7,336,803
73$12,186,696$3,547,192$2,362,760$7,929,919
74$13,371,098$3,662,363$2,383,271$8,579,632
75$14,674,461$3,781,331$2,402,622$9,291,623
76$16,108,863$3,904,222$2,420,716$10,072,154
77$17,687,607$4,031,170$2,437,451$10,928,121
78$19,425,357$4,162,310$2,452,719$11,867,121
79$21,338,265$4,297,786$2,466,407$12,897,528
80$23,444,133$4,437,742$2,478,397$14,028,565
81$25,762,575$4,582,332$2,488,563$15,270,394
82$28,315,203$4,731,711$2,496,775$16,634,213
83$31,125,831$4,886,043$2,502,895$18,132,359
84$34,220,702$5,045,495$2,506,778$19,778,426
85$37,628,730$5,210,241$2,508,272$21,587,392
86$41,381,779$5,380,461$2,507,217$23,575,762
87$45,514,960$5,556,342$2,503,448$25,761,722
88$50,066,959$5,738,077$2,496,787$28,165,310
89$55,080,412$5,925,866$2,487,052$30,808,606
90$60,602,295$6,119,914$2,474,050$33,715,942
91$66,684,376$6,320,437$2,457,578$36,914,126
92$73,383,700$6,527,656$2,437,424$40,432,703
93$80,763,127$6,741,800$2,413,367$44,304,226
94$88,891,925$6,963,108$2,385,174$48,564,566
95$97,846,426$7,191,825$2,352,602$53,253,255
96$107,710,743$7,428,206$2,315,396$58,413,850
97$118,577,566$7,672,515$2,273,289$64,094,352
98$130,549,035$7,925,026$2,226,001$70,347,654
99$143,737,706$8,186,021$2,173,241$77,232,042
100$158,267,610$8,455,794$2,114,703$84,811,748