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

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 $1,770,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.4%
1 years$146,165$144,863$143,593$142,353$141,142$138,011
2 years$72,359$71,011$69,705$68,439$67,211$64,072
3 years$47,760$46,407$45,104$43,849$42,641$39,593
4 years$35,463$34,114$32,824$31,591$30,412$27,478
5 years$28,087$26,746$25,473$24,265$23,119$20,308
6 years$23,171$21,840$20,586$19,405$18,293$15,608
7 years$19,661$18,341$17,107$15,954$14,877$12,318
8 years$17,030$15,722$14,508$13,383$12,342$9,908
9 years$14,984$13,689$12,496$11,400$10,394$8,083
10 years$13,349$12,066$10,894$9,827$8,856$6,666
11 years$12,012$10,741$9,591$8,552$7,616$5,544
12 years$10,898$9,641$8,512$7,501$6,600$4,643
13 years$9,957$8,713$7,605$6,623$5,756$3,909
14 years$9,150$7,920$6,833$5,879$5,045$3,306
15 years$8,452$7,235$6,169$5,243$4,442$2,807
16 years$7,842$6,638$5,593$4,694$3,926$2,390
17 years$7,304$6,113$5,090$4,218$3,481$2,041
18 years$6,826$5,649$4,646$3,801$3,095$1,746
19 years$6,399$5,235$4,253$3,435$2,759$1,496
20 years$6,016$4,865$3,904$3,111$2,464$1,285
21 years$5,669$4,531$3,590$2,823$2,205$1,104
22 years$5,354$4,230$3,309$2,567$1,977$950
23 years$5,067$3,956$3,055$2,338$1,774$819
24 years$4,805$3,707$2,826$2,132$1,595$706
25 years$4,563$3,478$2,617$1,947$1,435$609
26 years$4,341$3,269$2,427$1,780$1,293$526
27 years$4,135$3,077$2,254$1,630$1,166$454
28 years$3,945$2,899$2,095$1,493$1,052$392
29 years$3,768$2,735$1,950$1,369$950$339
30 years$3,603$2,583$1,816$1,257$858$293
31 years$3,449$2,442$1,693$1,154$776$254
32 years$3,305$2,310$1,580$1,061$702$219
33 years$3,170$2,188$1,475$975$635$190
34 years$3,043$2,074$1,378$897$575$164
35 years$2,924$1,967$1,289$826$521$142
36 years$2,811$1,867$1,205$761$472$123
37 years$2,705$1,773$1,128$701$428$107
38 years$2,605$1,685$1,057$646$388$92
39 years$2,510$1,602$990$596$352$80
40 years$2,420$1,524$928$550$319$69
41 years$2,335$1,451$870$507$289$60
42 years$2,253$1,382$816$468$263$52
43 years$2,176$1,317$766$432$238$45
44 years$2,103$1,255$719$399$216$39
45 years$2,033$1,197$675$368$196$34
46 years$1,966$1,142$634$340$178$29
47 years$1,903$1,090$596$314$162$25
48 years$1,842$1,040$560$290$147$22
49 years$1,784$993$526$268$134$19
50 years$1,728$949$495$248$121$16

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 $6,314 every year, while hoping to spend $22,821 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: 71/22/7 Blend
51$1,770,000$1,770,000$1,770,000$1,770,000
52$1,957,053$1,863,243$1,835,808$2,093,491
53$2,132,391$1,930,260$1,873,026$2,251,472
54$2,324,849$1,999,797$1,910,726$2,420,895
55$2,536,148$2,071,952$1,948,900$2,605,701
56$2,768,186$2,146,828$1,987,540$2,807,397
57$3,023,053$2,224,535$2,026,634$3,027,643
58$3,303,050$2,305,182$2,066,172$3,268,265
59$3,610,713$2,388,889$2,106,141$3,531,273
60$3,948,837$2,475,776$2,146,528$3,818,880
61$4,320,499$2,565,970$2,187,317$4,133,523
62$4,729,091$2,659,603$2,228,493$4,477,885
63$5,178,348$2,756,813$2,270,037$4,854,918
64$5,672,386$2,857,743$2,311,930$5,267,876
65$6,215,740$2,962,543$2,354,150$5,720,340
66$6,813,406$3,071,369$2,396,675$6,216,252
67$7,470,890$3,184,382$2,439,480$6,759,956
68$8,194,256$3,301,753$2,482,538$7,356,235
69$8,990,188$3,423,656$2,525,821$8,010,357
70$9,866,049$3,550,277$2,569,297$8,728,122
71$10,829,951$3,681,806$2,612,934$9,515,920
72$11,890,835$3,818,443$2,656,697$10,380,791
73$13,058,550$3,960,397$2,700,546$11,330,485
74$14,343,950$4,107,884$2,744,442$12,373,542
75$15,758,994$4,261,131$2,788,341$13,519,368
76$17,316,859$4,420,374$2,832,198$14,778,325
77$19,032,065$4,585,859$2,875,964$16,161,827
78$20,920,612$4,757,842$2,919,585$17,682,448
79$23,000,130$4,936,592$2,963,007$19,354,040
80$25,290,046$5,122,388$3,006,170$21,191,863
81$27,811,766$5,315,521$3,049,012$23,212,729
82$30,588,879$5,516,294$3,091,467$25,435,160
83$33,647,378$5,725,025$3,133,464$27,879,560
84$37,015,904$5,942,045$3,174,928$30,568,411
85$40,726,019$6,167,698$3,215,781$33,526,482
86$44,812,502$6,402,344$3,255,940$36,781,062
87$49,313,678$6,646,360$3,295,314$40,362,217
88$54,271,779$6,900,137$3,333,813$44,303,074
89$59,733,341$7,164,085$3,371,336$48,640,131
90$65,749,647$7,438,630$3,407,781$53,413,605
91$72,377,206$7,724,218$3,443,037$58,667,804
92$79,678,290$8,021,314$3,476,988$64,451,552
93$87,721,522$8,330,404$3,509,513$70,818,641
94$96,582,518$8,651,995$3,540,483$77,828,345
95$106,344,608$8,986,616$3,569,762$85,545,975
96$117,099,618$9,334,820$3,597,209$94,043,495
97$128,948,736$9,697,183$3,622,672$103,400,199
98$142,003,470$10,074,309$3,645,995$113,703,460
99$156,386,700$10,466,825$3,667,011$125,049,556
100$172,233,833$10,875,389$3,685,546$137,544,572