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%15.2%
1 years$144,513$143,226$141,970$140,744$139,547$136,562
2 years$71,541$70,209$68,918$67,666$66,451$63,458
3 years$47,220$45,882$44,594$43,354$42,159$39,252
4 years$35,062$33,728$32,453$31,234$30,068$27,269
5 years$27,769$26,443$25,185$23,991$22,858$20,174
6 years$22,909$21,593$20,353$19,186$18,086$15,522
7 years$19,439$18,134$16,914$15,774$14,709$12,264
8 years$16,837$15,544$14,344$13,232$12,203$9,876
9 years$14,815$13,534$12,355$11,271$10,276$8,066
10 years$13,198$11,929$10,771$9,716$8,756$6,661
11 years$11,876$10,620$9,483$8,455$7,530$5,547
12 years$10,775$9,532$8,416$7,417$6,526$4,651
13 years$9,844$8,614$7,519$6,548$5,691$3,921
14 years$9,047$7,830$6,756$5,812$4,988$3,321
15 years$8,357$7,153$6,099$5,184$4,392$2,823
16 years$7,753$6,563$5,530$4,641$3,882$2,408
17 years$7,221$6,044$5,032$4,170$3,442$2,058
18 years$6,749$5,585$4,594$3,758$3,060$1,764
19 years$6,327$5,176$4,205$3,396$2,728$1,514
20 years$5,948$4,810$3,859$3,076$2,436$1,302
21 years$5,605$4,480$3,550$2,791$2,180$1,121
22 years$5,294$4,182$3,272$2,538$1,954$966
23 years$5,010$3,911$3,021$2,311$1,754$833
24 years$4,750$3,665$2,794$2,108$1,577$720
25 years$4,512$3,439$2,588$1,925$1,419$622
26 years$4,292$3,232$2,400$1,760$1,278$538
27 years$4,089$3,042$2,229$1,611$1,152$465
28 years$3,900$2,866$2,072$1,476$1,040$403
29 years$3,725$2,704$1,928$1,354$939$349
30 years$3,562$2,554$1,796$1,242$848$302
31 years$3,410$2,414$1,674$1,141$767$262
32 years$3,268$2,284$1,562$1,049$694$227
33 years$3,134$2,163$1,458$964$628$196
34 years$3,009$2,050$1,363$887$568$170
35 years$2,891$1,945$1,274$817$515$148
36 years$2,779$1,846$1,192$752$467$128
37 years$2,674$1,753$1,116$693$423$111
38 years$2,575$1,666$1,045$639$383$96
39 years$2,481$1,584$979$589$348$84
40 years$2,393$1,507$917$543$315$73
41 years$2,308$1,435$860$501$286$63
42 years$2,228$1,366$807$463$260$55
43 years$2,152$1,302$757$427$236$47
44 years$2,079$1,241$711$394$214$41
45 years$2,010$1,183$667$364$194$36
46 years$1,944$1,129$627$336$176$31
47 years$1,881$1,077$589$311$160$27
48 years$1,821$1,028$553$287$145$23
49 years$1,764$982$520$265$132$20
50 years$1,709$938$489$245$120$18

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 $4,743 every year, while hoping to spend $50,382 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: 44/36/20 Blend
51$1,750,000$1,750,000$1,750,000$1,750,000
52$1,933,392$1,840,642$1,813,517$2,007,079
53$2,076,992$1,877,228$1,820,664$2,096,050
54$2,233,551$1,913,917$1,826,362$2,187,112
55$2,404,337$1,950,663$1,830,508$2,284,777
56$2,590,746$1,987,412$1,832,997$2,389,680
57$2,794,316$2,024,109$1,833,717$2,502,522
58$3,016,738$2,060,693$1,832,548$2,624,077
59$3,259,876$2,097,097$1,829,369$2,755,196
60$3,525,779$2,133,251$1,824,049$2,896,822
61$3,816,707$2,169,078$1,816,453$3,049,992
62$4,135,145$2,204,497$1,806,438$3,215,852
63$4,483,832$2,239,420$1,793,856$3,395,665
64$4,865,782$2,273,750$1,778,549$3,590,825
65$5,284,316$2,307,388$1,760,355$3,802,870
66$5,743,090$2,340,225$1,739,101$4,033,497
67$6,246,133$2,372,143$1,714,608$4,284,578
68$6,797,879$2,403,018$1,686,687$4,558,178
69$7,403,214$2,432,718$1,655,143$4,856,575
70$8,067,520$2,461,099$1,619,768$5,182,281
71$8,796,724$2,488,010$1,580,348$5,538,070
72$9,597,356$2,513,288$1,536,656$5,927,000
73$10,476,608$2,536,762$1,488,456$6,352,444
74$11,442,405$2,558,245$1,435,501$6,818,124
75$12,503,473$2,577,543$1,377,534$7,328,145
76$13,669,430$2,594,445$1,314,284$7,887,035
77$14,950,869$2,608,730$1,245,470$8,499,788
78$16,359,460$2,620,160$1,170,795$9,171,913
79$17,908,061$2,628,483$1,089,953$9,909,485
80$19,610,836$2,633,433$1,002,620$10,719,206
81$21,483,394$2,634,724$908,460$11,608,467
82$23,542,929$2,632,054$807,122$12,585,417
83$25,808,385$2,625,102$698,238$13,659,048
84$28,300,637$2,613,528$581,425$14,839,271
85$31,042,681$2,596,970$456,283$16,137,020
86$34,059,859$2,575,046$322,392$17,564,349
87$37,380,090$2,547,348$179,317$19,134,555
88$41,034,137$2,513,447$26,603$20,862,296
89$45,055,897$2,472,884$0$22,763,738
90$49,482,720$2,425,176$0$24,885,807
91$54,355,759$2,369,811$0$27,227,007
92$59,720,360$2,306,246$0$29,803,436
93$65,626,491$2,233,906$0$32,639,104
94$72,129,209$2,152,183$0$35,760,477
95$79,289,181$2,060,433$0$39,196,728
96$87,173,259$1,957,976$0$42,980,014
97$95,855,105$1,844,090$0$47,145,779
98$105,415,890$1,718,015$0$51,733,092
99$115,945,057$1,578,944$0$56,785,019
100$127,541,167$1,426,026$0$62,349,026