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

Use the below retirement simulation to view the chances of a successful retirement.
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%20%
1 years$144,513$143,226$141,970$140,744$139,547$133,958
2 years$71,541$70,209$68,918$67,666$66,451$60,890
3 years$47,220$45,882$44,594$43,354$42,159$36,802
4 years$35,062$33,728$32,453$31,234$30,068$24,955
5 years$27,769$26,443$25,185$23,991$22,858$18,001
6 years$22,909$21,593$20,353$19,186$18,086$13,490
7 years$19,439$18,134$16,914$15,774$14,709$10,372
8 years$16,837$15,544$14,344$13,232$12,203$8,119
9 years$14,815$13,534$12,355$11,271$10,276$6,441
10 years$13,198$11,929$10,771$9,716$8,756$5,160
11 years$11,876$10,620$9,483$8,455$7,530$4,167
12 years$10,775$9,532$8,416$7,417$6,526$3,384
13 years$9,844$8,614$7,519$6,548$5,691$2,762
14 years$9,047$7,830$6,756$5,812$4,988$2,263
15 years$8,357$7,153$6,099$5,184$4,392$1,860
16 years$7,753$6,563$5,530$4,641$3,882$1,532
17 years$7,221$6,044$5,032$4,170$3,442$1,265
18 years$6,749$5,585$4,594$3,758$3,060$1,046
19 years$6,327$5,176$4,205$3,396$2,728$866
20 years$5,948$4,810$3,859$3,076$2,436$718
21 years$5,605$4,480$3,550$2,791$2,180$595
22 years$5,294$4,182$3,272$2,538$1,954$494
23 years$5,010$3,911$3,021$2,311$1,754$411
24 years$4,750$3,665$2,794$2,108$1,577$341
25 years$4,512$3,439$2,588$1,925$1,419$284
26 years$4,292$3,232$2,400$1,760$1,278$236
27 years$4,089$3,042$2,229$1,611$1,152$196
28 years$3,900$2,866$2,072$1,476$1,040$164
29 years$3,725$2,704$1,928$1,354$939$136
30 years$3,562$2,554$1,796$1,242$848$113
31 years$3,410$2,414$1,674$1,141$767$94
32 years$3,268$2,284$1,562$1,049$694$79
33 years$3,134$2,163$1,458$964$628$65
34 years$3,009$2,050$1,363$887$568$55
35 years$2,891$1,945$1,274$817$515$45
36 years$2,779$1,846$1,192$752$467$38
37 years$2,674$1,753$1,116$693$423$32
38 years$2,575$1,666$1,045$639$383$26
39 years$2,481$1,584$979$589$348$22
40 years$2,393$1,507$917$543$315$18
41 years$2,308$1,435$860$501$286$15
42 years$2,228$1,366$807$463$260$13
43 years$2,152$1,302$757$427$236$11
44 years$2,079$1,241$711$394$214$9
45 years$2,010$1,183$667$364$194$7
46 years$1,944$1,129$627$336$176$6
47 years$1,881$1,077$589$311$160$5
48 years$1,821$1,028$553$287$145$4
49 years$1,764$982$520$265$132$4
50 years$1,709$938$489$245$120$3

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 $5,206 every year, while hoping to spend $31,407 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: 42/28/30 Blend
51$1,750,000$1,750,000$1,750,000$1,750,000
52$1,933,870$1,841,120$1,813,995$1,997,918
53$2,097,708$1,897,918$1,841,347$2,101,495
54$2,277,205$1,956,447$1,868,563$2,210,273
55$2,473,924$2,016,757$1,895,604$2,327,494
56$2,689,589$2,078,903$1,922,432$2,453,958
57$2,926,097$2,142,939$1,949,003$2,590,547
58$3,185,537$2,208,921$1,975,272$2,738,231
59$3,470,210$2,276,907$2,001,193$2,898,076
60$3,782,652$2,346,956$2,026,713$3,071,259
61$4,125,656$2,419,129$2,051,781$3,259,073
62$4,502,297$2,493,491$2,076,340$3,462,943
63$4,915,963$2,570,104$2,100,329$3,684,438
64$5,370,388$2,649,036$2,123,687$3,925,285
65$5,869,684$2,730,355$2,146,347$4,187,389
66$6,418,381$2,814,132$2,168,239$4,472,844
67$7,021,470$2,900,438$2,189,288$4,783,959
68$7,684,448$2,989,348$2,209,418$5,123,276
69$8,413,375$3,080,939$2,228,546$5,493,596
70$9,214,923$3,175,288$2,246,586$5,898,006
71$10,096,445$3,272,478$2,263,447$6,339,902
72$11,066,043$3,372,590$2,279,033$6,823,031
73$12,132,642$3,475,710$2,293,244$7,351,517
74$13,306,078$3,581,925$2,305,974$7,929,904
75$14,597,184$3,691,326$2,317,111$8,563,201
76$16,017,901$3,804,006$2,326,538$9,256,924
77$17,581,384$3,920,058$2,334,133$10,017,151
78$19,302,125$4,039,581$2,339,767$10,850,579
79$21,196,096$4,162,675$2,343,304$11,764,589
80$23,280,895$4,289,443$2,344,601$12,767,311
81$25,575,911$4,419,991$2,343,511$13,867,705
82$28,102,511$4,554,427$2,339,875$15,075,642
83$30,884,236$4,692,863$2,333,530$16,402,002
84$33,947,028$4,835,414$2,324,303$17,858,772
85$37,319,472$4,982,196$2,312,014$19,459,160
86$41,033,066$5,133,331$2,296,474$21,217,722
87$45,122,516$5,288,942$2,277,483$23,150,496
88$49,626,069$5,449,156$2,254,835$25,275,158
89$54,585,868$5,614,104$2,228,312$27,611,184
90$60,048,351$5,783,920$2,197,685$30,180,036
91$66,064,691$5,958,741$2,162,716$33,005,366
92$72,691,278$6,138,707$2,123,155$36,113,237
93$79,990,248$6,323,963$2,078,740$39,532,370
94$88,030,073$6,514,657$2,029,198$43,294,415
95$96,886,206$6,710,941$1,974,242$47,434,252
96$106,641,792$6,912,971$1,913,572$51,990,315
97$117,388,454$7,120,905$1,846,876$57,004,961
98$129,227,155$7,334,908$1,773,825$62,524,867
99$142,269,154$7,555,148$1,694,077$68,601,472
100$156,637,052$7,781,795$1,607,274$75,291,459