Can I retire at age 52 with 1,750,000?

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 $1,750,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.6%
1 years$144,513$143,226$141,970$140,744$139,547$136,898
2 years$71,541$70,209$68,918$67,666$66,451$63,792
3 years$47,220$45,882$44,594$43,354$42,159$39,574
4 years$35,062$33,728$32,453$31,234$30,068$27,576
5 years$27,769$26,443$25,185$23,991$22,858$20,466
6 years$22,909$21,593$20,353$19,186$18,086$15,798
7 years$19,439$18,134$16,914$15,774$14,709$12,524
8 years$16,837$15,544$14,344$13,232$12,203$10,120
9 years$14,815$13,534$12,355$11,271$10,276$8,296
10 years$13,198$11,929$10,771$9,716$8,756$6,875
11 years$11,876$10,620$9,483$8,455$7,530$5,748
12 years$10,775$9,532$8,416$7,417$6,526$4,838
13 years$9,844$8,614$7,519$6,548$5,691$4,095
14 years$9,047$7,830$6,756$5,812$4,988$3,483
15 years$8,357$7,153$6,099$5,184$4,392$2,973
16 years$7,753$6,563$5,530$4,641$3,882$2,546
17 years$7,221$6,044$5,032$4,170$3,442$2,186
18 years$6,749$5,585$4,594$3,758$3,060$1,881
19 years$6,327$5,176$4,205$3,396$2,728$1,622
20 years$5,948$4,810$3,859$3,076$2,436$1,401
21 years$5,605$4,480$3,550$2,791$2,180$1,212
22 years$5,294$4,182$3,272$2,538$1,954$1,049
23 years$5,010$3,911$3,021$2,311$1,754$910
24 years$4,750$3,665$2,794$2,108$1,577$789
25 years$4,512$3,439$2,588$1,925$1,419$685
26 years$4,292$3,232$2,400$1,760$1,278$595
27 years$4,089$3,042$2,229$1,611$1,152$517
28 years$3,900$2,866$2,072$1,476$1,040$450
29 years$3,725$2,704$1,928$1,354$939$392
30 years$3,562$2,554$1,796$1,242$848$341
31 years$3,410$2,414$1,674$1,141$767$297
32 years$3,268$2,284$1,562$1,049$694$258
33 years$3,134$2,163$1,458$964$628$225
34 years$3,009$2,050$1,363$887$568$196
35 years$2,891$1,945$1,274$817$515$171
36 years$2,779$1,846$1,192$752$467$149
37 years$2,674$1,753$1,116$693$423$130
38 years$2,575$1,666$1,045$639$383$113
39 years$2,481$1,584$979$589$348$99
40 years$2,393$1,507$917$543$315$86
41 years$2,308$1,435$860$501$286$75
42 years$2,228$1,366$807$463$260$66
43 years$2,152$1,302$757$427$236$57
44 years$2,079$1,241$711$394$214$50
45 years$2,010$1,183$667$364$194$43
46 years$1,944$1,129$627$336$176$38
47 years$1,881$1,077$589$311$160$33
48 years$1,821$1,028$553$287$145$29
49 years$1,764$982$520$265$132$25
50 years$1,709$938$489$245$120$22

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,750,000, adding $6,407 every year, while hoping to spend $23,809 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: 22/48/30 Blend
51$1,750,000$1,750,000$1,750,000$1,750,000
52$1,935,109$1,842,359$1,815,234$1,959,255
53$2,107,157$1,907,302$1,850,712$2,046,456
54$2,295,957$1,974,629$1,886,580$2,137,295
55$2,503,191$2,044,432$1,922,827$2,233,968
56$2,730,713$2,116,807$1,959,439$2,336,970
57$2,980,568$2,191,852$1,996,401$2,446,840
58$3,255,004$2,269,670$2,033,699$2,564,173
59$3,556,500$2,350,371$2,071,314$2,689,617
60$3,887,789$2,434,064$2,109,228$2,823,884
61$4,251,877$2,520,867$2,147,421$2,967,758
62$4,652,079$2,610,900$2,185,870$3,122,095
63$5,092,047$2,704,290$2,224,553$3,287,838
64$5,575,804$2,801,168$2,263,444$3,466,019
65$6,107,781$2,901,671$2,302,515$3,657,773
66$6,692,863$3,005,941$2,341,736$3,864,348
67$7,336,428$3,114,125$2,381,078$4,087,112
68$8,044,406$3,226,379$2,420,506$4,327,569
69$8,823,326$3,342,863$2,459,984$4,587,374
70$9,680,386$3,463,743$2,499,474$4,868,342
71$10,623,513$3,589,195$2,538,934$5,172,472
72$11,661,445$3,719,399$2,578,322$5,501,959
73$12,803,808$3,854,545$2,617,592$5,859,219
74$14,061,208$3,994,830$2,656,692$6,246,905
75$15,445,332$4,140,457$2,695,573$6,667,939
76$16,969,058$4,291,642$2,734,176$7,125,533
77$18,646,576$4,448,606$2,772,445$7,623,221
78$20,493,521$4,611,582$2,810,316$8,164,892
79$22,527,121$4,780,810$2,847,723$8,754,823
80$24,766,362$4,956,544$2,884,595$9,397,723
81$27,232,161$5,139,045$2,920,860$10,098,771
82$29,947,570$5,328,587$2,956,437$10,863,670
83$32,937,989$5,525,455$2,991,245$11,698,697
84$36,231,408$5,729,946$3,025,196$12,610,758
85$39,858,669$5,942,371$3,058,197$13,607,460
86$43,853,757$6,163,051$3,090,150$14,697,174
87$48,254,124$6,392,324$3,120,954$15,889,117
88$53,101,037$6,630,540$3,150,499$17,193,438
89$58,439,973$6,878,067$3,178,671$18,621,312
90$64,321,043$7,135,285$3,205,349$20,185,041
91$70,799,468$7,402,593$3,230,407$21,898,175
92$77,936,100$7,680,406$3,253,712$23,775,636
93$85,797,994$7,969,157$3,275,122$25,833,853
94$94,459,041$8,269,298$3,294,491$28,090,924
95$104,000,669$8,581,300$3,311,662$30,566,779
96$114,512,608$8,905,654$3,326,474$33,283,369
97$126,093,736$9,242,874$3,338,753$36,264,871
98$138,853,017$9,593,493$3,348,320$39,537,916
99$152,910,521$9,958,072$3,354,986$43,131,838
100$168,398,568$10,337,191$3,358,552$47,078,946