Can I retire at age 52 with 1,760,000?

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 $1,760,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.9%
1 years$145,339$144,045$142,781$141,549$140,345$136,952
2 years$71,950$70,610$69,311$68,052$66,831$63,433
3 years$47,490$46,144$44,849$43,602$42,400$39,104
4 years$35,263$33,921$32,639$31,413$30,240$27,070
5 years$27,928$26,595$25,329$24,128$22,988$19,954
6 years$23,040$21,716$20,470$19,295$18,190$15,294
7 years$19,550$18,237$17,010$15,864$14,793$12,036
8 years$16,933$15,633$14,426$13,308$12,272$9,653
9 years$14,900$13,611$12,425$11,335$10,335$7,851
10 years$13,273$11,998$10,833$9,771$8,806$6,455
11 years$11,944$10,681$9,537$8,504$7,573$5,352
12 years$10,836$9,586$8,464$7,459$6,563$4,467
13 years$9,900$8,663$7,562$6,585$5,723$3,749
14 years$9,099$7,875$6,794$5,846$5,017$3,160
15 years$8,404$7,194$6,134$5,213$4,417$2,673
16 years$7,797$6,600$5,562$4,668$3,904$2,268
17 years$7,263$6,078$5,061$4,194$3,461$1,929
18 years$6,788$5,617$4,620$3,780$3,078$1,645
19 years$6,363$5,206$4,229$3,415$2,743$1,405
20 years$5,982$4,837$3,881$3,093$2,450$1,201
21 years$5,637$4,506$3,570$2,807$2,193$1,029
22 years$5,324$4,206$3,290$2,552$1,966$882
23 years$5,039$3,934$3,038$2,325$1,764$757
24 years$4,777$3,686$2,810$2,120$1,586$650
25 years$4,538$3,459$2,602$1,936$1,427$558
26 years$4,316$3,251$2,414$1,770$1,285$480
27 years$4,112$3,059$2,241$1,620$1,159$413
28 years$3,923$2,883$2,084$1,485$1,046$355
29 years$3,747$2,720$1,939$1,361$944$306
30 years$3,583$2,568$1,806$1,250$853$263
31 years$3,429$2,428$1,684$1,148$771$227
32 years$3,286$2,297$1,571$1,055$698$196
33 years$3,152$2,176$1,467$970$631$168
34 years$3,026$2,062$1,370$892$572$145
35 years$2,907$1,956$1,281$821$518$125
36 years$2,795$1,856$1,199$757$469$108
37 years$2,690$1,763$1,122$697$425$93
38 years$2,590$1,676$1,051$642$386$80
39 years$2,496$1,593$984$592$350$69
40 years$2,406$1,516$923$546$317$60
41 years$2,321$1,443$865$504$288$51
42 years$2,241$1,374$811$465$261$44
43 years$2,164$1,309$761$429$237$38
44 years$2,091$1,248$715$397$215$33
45 years$2,022$1,190$671$366$195$28
46 years$1,955$1,135$630$338$177$25
47 years$1,892$1,083$592$313$161$21
48 years$1,832$1,034$557$289$146$18
49 years$1,774$988$523$267$133$16
50 years$1,718$944$492$247$121$14

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,760,000, adding $5,881 every year, while hoping to spend $35,432 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: 71/9/20 Blend
51$1,760,000$1,760,000$1,760,000$1,760,000
52$1,945,586$1,852,306$1,825,026$2,073,868
53$2,106,337$1,905,370$1,848,465$2,213,153
54$2,282,296$1,959,846$1,871,502$2,360,831
55$2,474,978$2,015,767$1,894,085$2,521,639
56$2,686,051$2,073,164$1,916,162$2,696,874
57$2,917,349$2,132,070$1,937,675$2,887,964
58$3,170,896$2,192,519$1,958,564$3,096,480
59$3,448,918$2,254,542$1,978,766$3,324,157
60$3,753,867$2,318,175$1,998,214$3,572,903
61$4,088,446$2,383,450$2,016,839$3,844,820
62$4,455,630$2,450,401$2,034,565$4,142,224
63$4,858,696$2,519,063$2,051,316$4,467,667
64$5,301,257$2,589,470$2,067,008$4,823,961
65$5,787,288$2,661,657$2,081,555$5,214,203
66$6,321,171$2,735,658$2,094,867$5,641,806
67$6,907,733$2,811,508$2,106,848$6,110,529
68$7,552,291$2,889,241$2,117,397$6,624,517
69$8,260,703$2,968,893$2,126,408$7,188,333
70$9,039,423$3,050,496$2,133,771$7,807,008
71$9,895,560$3,134,087$2,139,368$8,486,084
72$10,836,947$3,219,698$2,143,077$9,231,667
73$11,872,216$3,307,363$2,144,770$10,050,487
74$13,010,874$3,397,115$2,144,312$10,949,959
75$14,263,397$3,488,988$2,141,560$11,938,253
76$15,641,328$3,583,013$2,136,367$13,024,373
77$17,157,384$3,679,221$2,128,577$14,218,242
78$18,825,579$3,777,645$2,118,025$15,530,790
79$20,661,351$3,878,312$2,104,542$16,974,067
80$22,681,711$3,981,252$2,087,947$18,561,348
81$24,905,405$4,086,493$2,068,053$20,307,264
82$27,353,086$4,194,060$2,044,662$22,227,935
83$30,047,511$4,303,980$2,017,568$24,341,128
84$33,013,756$4,416,274$1,986,556$26,666,421
85$36,279,453$4,530,965$1,951,399$29,225,388
86$39,875,046$4,648,071$1,911,860$32,041,803
87$43,834,086$4,767,612$1,867,693$35,141,867
88$48,193,539$4,889,601$1,818,636$38,554,452
89$52,994,140$5,014,051$1,764,421$42,311,375
90$58,280,775$5,140,973$1,704,762$46,447,698
91$64,102,906$5,270,372$1,639,363$51,002,061
92$70,515,035$5,402,253$1,567,915$56,017,044
93$77,577,221$5,536,616$1,490,092$61,539,571
94$85,355,644$5,673,457$1,405,556$67,621,353
95$93,923,231$5,812,767$1,313,954$74,319,376
96$103,360,343$5,954,535$1,214,913$81,696,439
97$113,755,534$6,098,743$1,108,049$89,821,747
98$125,206,386$6,245,369$992,956$98,771,564
99$137,820,430$6,394,385$869,213$108,629,936
100$151,716,162$6,545,758$736,379$119,489,482