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%15.3%
1 years$142,862$141,589$140,348$139,136$137,953$134,947
2 years$70,724$69,406$68,130$66,892$65,692$62,678
3 years$46,681$45,358$44,085$42,859$41,678$38,751
4 years$34,662$33,343$32,082$30,877$29,725$26,907
5 years$27,452$26,141$24,897$23,717$22,596$19,896
6 years$22,647$21,346$20,121$18,966$17,880$15,300
7 years$19,217$17,927$16,720$15,593$14,541$12,081
8 years$16,645$15,366$14,180$13,081$12,063$9,723
9 years$14,646$13,379$12,213$11,142$10,159$7,937
10 years$13,047$11,793$10,648$9,604$8,656$6,550
11 years$11,740$10,499$9,374$8,359$7,444$5,451
12 years$10,652$9,423$8,319$7,332$6,451$4,568
13 years$9,732$8,516$7,433$6,473$5,626$3,849
14 years$8,943$7,741$6,678$5,746$4,931$3,257
15 years$8,261$7,071$6,030$5,124$4,342$2,767
16 years$7,665$6,488$5,467$4,588$3,837$2,358
17 years$7,139$5,975$4,975$4,123$3,402$2,015
18 years$6,672$5,521$4,541$3,715$3,025$1,725
19 years$6,255$5,117$4,157$3,357$2,697$1,480
20 years$5,880$4,755$3,815$3,040$2,409$1,271
21 years$5,541$4,429$3,509$2,759$2,155$1,094
22 years$5,233$4,134$3,234$2,509$1,932$942
23 years$4,953$3,867$2,986$2,285$1,734$812
24 years$4,696$3,623$2,762$2,084$1,559$701
25 years$4,460$3,400$2,558$1,903$1,403$605
26 years$4,243$3,195$2,372$1,740$1,264$523
27 years$4,042$3,007$2,203$1,593$1,139$452
28 years$3,856$2,834$2,048$1,459$1,028$391
29 years$3,683$2,673$1,906$1,338$928$338
30 years$3,522$2,525$1,775$1,228$839$292
31 years$3,371$2,387$1,655$1,128$758$253
32 years$3,230$2,258$1,544$1,037$686$219
33 years$3,098$2,139$1,442$953$621$190
34 years$2,974$2,027$1,347$877$562$164
35 years$2,858$1,922$1,259$807$509$143
36 years$2,748$1,825$1,178$744$461$123
37 years$2,644$1,733$1,103$685$418$107
38 years$2,546$1,647$1,033$632$379$93
39 years$2,453$1,566$968$582$344$80
40 years$2,365$1,490$907$537$312$70
41 years$2,282$1,418$850$496$283$60
42 years$2,203$1,351$798$457$257$52
43 years$2,127$1,287$748$422$233$45
44 years$2,055$1,227$703$390$211$39
45 years$1,987$1,170$660$360$192$34
46 years$1,922$1,116$620$333$174$30
47 years$1,860$1,065$582$307$158$26
48 years$1,800$1,017$547$284$144$22
49 years$1,743$971$514$262$130$19
50 years$1,689$927$483$242$119$17

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 $3,222 every year, while hoping to spend $56,340 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: 82/13/5 Blend
51$1,730,000$1,730,000$1,730,000$1,730,000
52$1,909,783$1,818,093$1,791,278$2,065,950
53$2,044,636$1,847,235$1,791,341$2,197,586
54$2,191,355$1,875,916$1,789,517$2,334,158
55$2,351,092$1,904,054$1,785,685$2,482,320
56$2,525,113$1,931,562$1,779,715$2,643,199
57$2,714,812$1,958,346$1,771,472$2,818,035
58$2,921,722$1,984,304$1,760,816$3,008,193
59$3,147,532$2,009,330$1,747,598$3,215,176
60$3,394,100$2,033,307$1,731,662$3,440,639
61$3,663,473$2,056,113$1,712,847$3,686,408
62$3,957,901$2,077,616$1,690,981$3,954,489
63$4,279,864$2,097,677$1,665,886$4,247,096
64$4,632,093$2,116,146$1,637,376$4,566,665
65$5,017,593$2,132,863$1,605,255$4,915,882
66$5,439,674$2,147,661$1,569,318$5,297,704
67$5,901,982$2,160,357$1,529,351$5,715,389
68$6,408,530$2,170,761$1,485,131$6,172,527
69$6,963,740$2,178,667$1,436,422$6,673,073
70$7,572,479$2,183,860$1,382,980$7,221,385
71$8,240,110$2,186,108$1,324,548$7,822,264
72$8,972,540$2,185,165$1,260,859$8,481,000
73$9,776,274$2,180,773$1,191,633$9,203,422
74$10,658,477$2,172,654$1,116,576$9,995,952
75$11,627,044$2,160,516$1,035,383$10,865,669
76$12,690,668$2,144,047$947,734$11,820,370
77$13,858,929$2,122,918$853,295$12,868,648
78$15,142,377$2,096,778$751,718$14,019,974
79$16,552,637$2,065,258$642,638$15,284,782
80$18,102,514$2,027,964$525,674$16,674,571
81$19,806,115$1,984,479$400,430$18,202,011
82$21,678,985$1,934,364$266,490$19,881,068
83$23,738,245$1,877,152$123,421$21,727,129
84$26,002,762$1,812,349$0$23,757,151
85$28,493,322$1,739,431$0$25,991,382
86$31,232,824$1,657,847$0$28,455,984
87$34,246,500$1,567,009$0$31,167,085
88$37,562,151$1,466,301$0$34,149,723
89$41,210,408$1,355,067$0$37,431,488
90$45,225,019$1,232,615$0$41,042,784
91$49,643,172$1,098,215$0$45,017,114
92$54,505,841$951,092$0$49,391,398
93$59,858,173$790,431$0$54,206,323
94$65,749,913$615,369$0$59,506,723
95$72,235,876$424,995$0$65,342,007
96$79,376,462$218,345$0$71,766,623
97$87,238,221$0$0$78,840,571
98$95,894,489$0$0$86,630,774
99$105,426,072$0$0$95,243,159
100$115,922,012$0$0$104,726,952