Can I retire at age 52 with 1,770,000?

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 $1,770,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.3%
1 years$146,165$144,863$143,593$142,353$141,142$136,953
2 years$72,359$71,011$69,705$68,439$67,211$63,025
3 years$47,760$46,407$45,104$43,849$42,641$38,590
4 years$35,463$34,114$32,824$31,591$30,412$26,526
5 years$28,087$26,746$25,473$24,265$23,119$19,409
6 years$23,171$21,840$20,586$19,405$18,293$14,763
7 years$19,661$18,341$17,107$15,954$14,877$11,526
8 years$17,030$15,722$14,508$13,383$12,342$9,169
9 years$14,984$13,689$12,496$11,400$10,394$7,394
10 years$13,349$12,066$10,894$9,827$8,856$6,026
11 years$12,012$10,741$9,591$8,552$7,616$4,952
12 years$10,898$9,641$8,512$7,501$6,600$4,095
13 years$9,957$8,713$7,605$6,623$5,756$3,405
14 years$9,150$7,920$6,833$5,879$5,045$2,842
15 years$8,452$7,235$6,169$5,243$4,442$2,381
16 years$7,842$6,638$5,593$4,694$3,926$2,000
17 years$7,304$6,113$5,090$4,218$3,481$1,684
18 years$6,826$5,649$4,646$3,801$3,095$1,421
19 years$6,399$5,235$4,253$3,435$2,759$1,201
20 years$6,016$4,865$3,904$3,111$2,464$1,016
21 years$5,669$4,531$3,590$2,823$2,205$861
22 years$5,354$4,230$3,309$2,567$1,977$730
23 years$5,067$3,956$3,055$2,338$1,774$619
24 years$4,805$3,707$2,826$2,132$1,595$526
25 years$4,563$3,478$2,617$1,947$1,435$447
26 years$4,341$3,269$2,427$1,780$1,293$380
27 years$4,135$3,077$2,254$1,630$1,166$323
28 years$3,945$2,899$2,095$1,493$1,052$275
29 years$3,768$2,735$1,950$1,369$950$234
30 years$3,603$2,583$1,816$1,257$858$199
31 years$3,449$2,442$1,693$1,154$776$170
32 years$3,305$2,310$1,580$1,061$702$144
33 years$3,170$2,188$1,475$975$635$123
34 years$3,043$2,074$1,378$897$575$105
35 years$2,924$1,967$1,289$826$521$89
36 years$2,811$1,867$1,205$761$472$76
37 years$2,705$1,773$1,128$701$428$65
38 years$2,605$1,685$1,057$646$388$55
39 years$2,510$1,602$990$596$352$47
40 years$2,420$1,524$928$550$319$40
41 years$2,335$1,451$870$507$289$34
42 years$2,253$1,382$816$468$263$29
43 years$2,176$1,317$766$432$238$25
44 years$2,103$1,255$719$399$216$21
45 years$2,033$1,197$675$368$196$18
46 years$1,966$1,142$634$340$178$15
47 years$1,903$1,090$596$314$162$13
48 years$1,842$1,040$560$290$147$11
49 years$1,784$993$526$268$134$10
50 years$1,728$949$495$248$121$8

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,770,000, adding $2,918 every year, while hoping to spend $55,017 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: 51/44/5 Blend
51$1,770,000$1,770,000$1,770,000$1,770,000
52$1,953,550$1,859,740$1,832,305$2,050,774
53$2,094,274$1,892,330$1,835,149$2,149,684
54$2,247,509$1,924,672$1,836,245$2,250,928
55$2,414,471$1,956,697$1,835,476$2,359,650
56$2,596,501$1,988,330$1,832,719$2,476,560
57$2,795,075$2,019,489$1,827,846$2,602,445
58$3,011,816$2,050,087$1,820,722$2,738,169
59$3,248,512$2,080,031$1,811,206$2,884,688
60$3,507,129$2,109,222$1,799,150$3,043,053
61$3,789,834$2,137,552$1,784,400$3,214,425
62$4,099,011$2,164,906$1,766,792$3,400,083
63$4,437,288$2,191,164$1,746,156$3,601,438
64$4,807,554$2,216,193$1,722,315$3,820,044
65$5,212,993$2,239,856$1,695,082$4,057,619
66$5,657,112$2,262,003$1,664,261$4,316,053
67$6,143,772$2,282,475$1,629,648$4,597,434
68$6,677,224$2,301,104$1,591,028$4,904,062
69$7,262,152$2,317,709$1,548,179$5,238,474
70$7,903,714$2,332,099$1,500,866$5,603,470
71$8,607,592$2,344,071$1,448,843$6,002,136
72$9,380,042$2,353,407$1,391,856$6,437,875
73$10,227,959$2,359,876$1,329,635$6,914,442
74$11,158,934$2,363,233$1,261,901$7,435,976
75$12,181,332$2,363,218$1,188,362$8,007,043
76$13,304,366$2,359,554$1,108,710$8,632,678
77$14,538,187$2,351,948$1,022,628$9,318,434
78$15,893,976$2,340,087$929,780$10,070,435
79$17,384,052$2,323,642$829,817$10,895,432
80$19,021,985$2,302,260$722,376$11,800,874
81$20,822,728$2,275,571$607,076$12,794,971
82$22,802,752$2,243,180$483,519$13,886,779
83$24,980,206$2,204,669$351,290$15,086,285
84$27,375,084$2,159,596$209,956$16,404,499
85$30,009,418$2,107,491$59,065$17,853,563
86$32,907,479$2,047,858$0$19,446,866
87$36,096,011$1,980,172$0$21,204,611
88$39,604,480$1,903,877$0$23,141,350
89$43,465,354$1,818,383$0$25,271,907
90$47,714,404$1,723,069$0$27,616,098
91$52,391,049$1,617,275$0$30,195,772
92$57,538,720$1,500,305$0$33,035,019
93$63,205,272$1,371,422$0$36,160,393
94$69,443,437$1,229,849$0$39,601,172
95$76,311,318$1,074,763$0$43,389,632
96$83,872,940$905,293$0$47,561,355
97$92,198,850$720,523$0$52,155,565
98$101,366,785$519,481$0$57,215,506
99$111,462,405$301,143$0$62,788,845
100$122,580,099$64,428$0$68,928,134