Can I retire at age 52 with 1,740,000?

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 $1,740,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.2%
1 years$143,688$142,408$141,159$139,940$138,750$136,339
2 years$71,132$69,808$68,524$67,279$66,071$63,650
3 years$46,951$45,620$44,339$43,106$41,918$39,563
4 years$34,862$33,536$32,268$31,056$29,897$27,624
5 years$27,611$26,292$25,041$23,854$22,727$20,544
6 years$22,778$21,470$20,237$19,076$17,983$15,893
7 years$19,328$18,030$16,817$15,683$14,625$12,628
8 years$16,741$15,455$14,262$13,156$12,133$10,228
9 years$14,730$13,457$12,284$11,206$10,218$8,404
10 years$13,122$11,861$10,709$9,660$8,706$6,982
11 years$11,808$10,559$9,428$8,407$7,487$5,852
12 years$10,713$9,478$8,367$7,374$6,488$4,938
13 years$9,788$8,565$7,476$6,510$5,658$4,191
14 years$8,995$7,785$6,717$5,779$4,960$3,574
15 years$8,309$7,112$6,065$5,154$4,367$3,059
16 years$7,709$6,525$5,498$4,615$3,860$2,627
17 years$7,180$6,009$5,003$4,146$3,422$2,262
18 years$6,711$5,553$4,567$3,737$3,043$1,953
19 years$6,291$5,146$4,181$3,376$2,712$1,689
20 years$5,914$4,782$3,837$3,058$2,423$1,463
21 years$5,573$4,455$3,530$2,775$2,168$1,269
22 years$5,263$4,158$3,253$2,523$1,943$1,102
23 years$4,981$3,889$3,004$2,298$1,744$958
24 years$4,723$3,644$2,778$2,096$1,568$834
25 years$4,486$3,419$2,573$1,914$1,411$727
26 years$4,267$3,214$2,386$1,750$1,271$633
27 years$4,065$3,025$2,216$1,602$1,146$552
28 years$3,878$2,850$2,060$1,468$1,034$482
29 years$3,704$2,689$1,917$1,346$934$421
30 years$3,542$2,539$1,786$1,235$843$367
31 years$3,391$2,400$1,665$1,135$763$321
32 years$3,249$2,271$1,553$1,043$690$280
33 years$3,116$2,151$1,450$959$624$245
34 years$2,991$2,039$1,355$882$565$214
35 years$2,874$1,934$1,267$812$512$187
36 years$2,764$1,835$1,185$748$464$164
37 years$2,659$1,743$1,109$689$420$143
38 years$2,561$1,656$1,039$635$381$125
39 years$2,467$1,575$973$586$346$110
40 years$2,379$1,499$912$540$313$96
41 years$2,295$1,427$855$498$284$84
42 years$2,215$1,359$802$460$258$74
43 years$2,139$1,294$753$425$234$64
44 years$2,067$1,234$707$392$213$56
45 years$1,999$1,177$664$362$193$49
46 years$1,933$1,122$623$334$175$43
47 years$1,871$1,071$585$309$159$38
48 years$1,811$1,023$550$286$145$33
49 years$1,754$977$517$264$131$29
50 years$1,699$933$486$244$119$25

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,740,000, adding $5,198 every year, while hoping to spend $35,946 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: 67/16/17 Blend
51$1,740,000$1,740,000$1,740,000$1,740,000
52$1,922,842$1,830,622$1,803,652$2,043,416
53$2,080,725$1,882,076$1,825,828$2,176,091
54$2,253,508$1,934,847$1,847,542$2,316,434
55$2,442,672$1,988,960$1,868,741$2,469,010
56$2,649,849$2,044,444$1,889,368$2,635,019
57$2,876,836$2,101,324$1,909,364$2,815,780
58$3,125,612$2,159,627$1,928,666$3,012,750
59$3,398,356$2,219,380$1,947,208$3,227,529
60$3,697,468$2,280,610$1,964,920$3,461,884
61$4,025,593$2,343,343$1,981,728$3,717,756
62$4,385,643$2,407,607$1,997,555$3,997,289
63$4,780,826$2,473,426$2,012,320$4,302,839
64$5,214,674$2,540,828$2,025,937$4,637,006
65$5,691,080$2,609,838$2,038,315$5,002,652
66$6,214,332$2,680,481$2,049,360$5,402,930
67$6,789,152$2,752,783$2,058,972$5,841,315
68$7,420,744$2,826,768$2,067,046$6,321,633
69$8,114,840$2,902,460$2,073,472$6,848,102
70$8,877,755$2,979,882$2,078,135$7,425,368
71$9,716,446$3,059,056$2,080,913$8,058,551
72$10,638,578$3,140,005$2,081,678$8,753,292
73$11,652,596$3,222,748$2,080,297$9,515,805
74$12,767,804$3,307,305$2,076,630$10,352,938
75$13,994,452$3,393,695$2,070,529$11,272,238
76$15,343,835$3,481,935$2,061,840$12,282,020
77$16,828,396$3,572,040$2,050,402$13,391,446
78$18,461,846$3,664,023$2,036,044$14,610,611
79$20,259,292$3,757,898$2,018,589$15,950,641
80$22,237,379$3,853,675$1,997,851$17,423,794
81$24,414,448$3,951,361$1,973,636$19,043,580
82$26,810,706$4,050,963$1,945,737$20,824,884
83$29,448,422$4,152,484$1,913,943$22,784,111
84$32,352,130$4,255,924$1,878,029$24,939,336
85$35,548,865$4,361,282$1,837,761$27,310,480
86$39,068,417$4,468,553$1,792,894$29,919,494
87$42,943,611$4,577,727$1,743,171$32,790,566
88$47,210,616$4,688,792$1,688,324$35,950,355
89$51,909,288$4,801,733$1,628,072$39,428,235
90$57,083,546$4,916,528$1,562,123$43,256,577
91$62,781,782$5,033,152$1,490,168$47,471,056
92$69,057,323$5,151,576$1,411,889$52,110,983
93$75,968,932$5,271,765$1,326,948$57,219,679
94$83,581,359$5,393,677$1,234,997$62,844,886
95$91,965,956$5,517,267$1,135,669$69,039,213
96$101,201,351$5,642,480$1,028,580$75,860,639
97$111,374,184$5,769,257$913,333$83,373,052
98$122,579,931$5,897,530$789,510$91,646,863
99$134,923,799$6,027,224$656,674$100,759,663
100$148,521,724$6,158,256$514,370$110,796,956