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%18.9%
1 years$146,165$144,863$143,593$142,353$141,142$136,080
2 years$72,359$71,011$69,705$68,439$67,211$62,166
3 years$47,760$46,407$45,104$43,849$42,641$37,772
4 years$35,463$34,114$32,824$31,591$30,412$25,755
5 years$28,087$26,746$25,473$24,265$23,119$18,687
6 years$23,171$21,840$20,586$19,405$18,293$14,089
7 years$19,661$18,341$17,107$15,954$14,877$10,900
8 years$17,030$15,722$14,508$13,383$12,342$8,589
9 years$14,984$13,689$12,496$11,400$10,394$6,860
10 years$13,349$12,066$10,894$9,827$8,856$5,535
11 years$12,012$10,741$9,591$8,552$7,616$4,501
12 years$10,898$9,641$8,512$7,501$6,600$3,683
13 years$9,957$8,713$7,605$6,623$5,756$3,029
14 years$9,150$7,920$6,833$5,879$5,045$2,500
15 years$8,452$7,235$6,169$5,243$4,442$2,071
16 years$7,842$6,638$5,593$4,694$3,926$1,720
17 years$7,304$6,113$5,090$4,218$3,481$1,431
18 years$6,826$5,649$4,646$3,801$3,095$1,193
19 years$6,399$5,235$4,253$3,435$2,759$996
20 years$6,016$4,865$3,904$3,111$2,464$833
21 years$5,669$4,531$3,590$2,823$2,205$697
22 years$5,354$4,230$3,309$2,567$1,977$583
23 years$5,067$3,956$3,055$2,338$1,774$489
24 years$4,805$3,707$2,826$2,132$1,595$410
25 years$4,563$3,478$2,617$1,947$1,435$344
26 years$4,341$3,269$2,427$1,780$1,293$289
27 years$4,135$3,077$2,254$1,630$1,166$242
28 years$3,945$2,899$2,095$1,493$1,052$204
29 years$3,768$2,735$1,950$1,369$950$171
30 years$3,603$2,583$1,816$1,257$858$144
31 years$3,449$2,442$1,693$1,154$776$121
32 years$3,305$2,310$1,580$1,061$702$101
33 years$3,170$2,188$1,475$975$635$85
34 years$3,043$2,074$1,378$897$575$72
35 years$2,924$1,967$1,289$826$521$60
36 years$2,811$1,867$1,205$761$472$51
37 years$2,705$1,773$1,128$701$428$43
38 years$2,605$1,685$1,057$646$388$36
39 years$2,510$1,602$990$596$352$30
40 years$2,420$1,524$928$550$319$25
41 years$2,335$1,451$870$507$289$21
42 years$2,253$1,382$816$468$263$18
43 years$2,176$1,317$766$432$238$15
44 years$2,103$1,255$719$399$216$13
45 years$2,033$1,197$675$368$196$11
46 years$1,966$1,142$634$340$178$9
47 years$1,903$1,090$596$314$162$8
48 years$1,842$1,040$560$290$147$6
49 years$1,784$993$526$268$134$5
50 years$1,728$949$495$248$121$4

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 $3,876 every year, while hoping to spend $26,502 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: 42/40/18 Blend
51$1,770,000$1,770,000$1,770,000$1,770,000
52$1,954,538$1,860,728$1,833,293$2,026,174
53$2,125,703$1,923,706$1,866,510$2,140,205
54$2,313,439$1,988,881$1,899,952$2,260,726
55$2,519,407$2,056,334$1,933,598$2,390,682
56$2,745,439$2,126,147$1,967,427$2,530,950
57$2,993,552$2,198,406$2,001,413$2,682,495
58$3,265,966$2,273,200$2,035,533$2,846,379
59$3,565,129$2,350,622$2,069,758$3,023,768
60$3,893,738$2,430,767$2,104,060$3,215,945
61$4,254,760$2,513,736$2,138,407$3,424,319
62$4,651,469$2,599,632$2,172,767$3,650,444
63$5,087,468$2,688,563$2,207,103$3,896,025
64$5,566,727$2,780,640$2,241,379$4,162,940
65$6,093,621$2,875,980$2,275,553$4,453,255
66$6,672,970$2,974,703$2,309,584$4,769,244
67$7,310,083$3,076,933$2,343,425$5,113,408
68$8,010,811$3,182,802$2,377,029$5,488,501
69$8,781,598$3,292,444$2,410,344$5,897,552
70$9,629,547$3,406,000$2,443,317$6,343,898
71$10,562,482$3,523,614$2,475,889$6,831,211
72$11,589,023$3,645,440$2,507,999$7,363,534
73$12,718,671$3,771,634$2,539,585$7,945,316
74$13,961,891$3,902,360$2,570,576$8,581,459
75$15,330,216$4,037,787$2,600,903$9,277,359
76$16,836,353$4,178,094$2,630,488$10,038,956
77$18,494,303$4,323,462$2,659,251$10,872,793
78$20,319,495$4,474,084$2,687,108$11,786,076
79$22,328,927$4,630,158$2,713,970$12,786,739
80$24,541,331$4,791,890$2,739,742$13,883,522
81$26,977,349$4,959,495$2,764,326$15,086,049
82$29,659,724$5,133,195$2,787,616$16,404,922
83$32,613,518$5,313,224$2,809,503$17,851,817
84$35,866,347$5,499,822$2,829,872$19,439,596
85$39,448,641$5,693,240$2,848,599$21,182,426
86$43,393,933$5,893,739$2,865,557$23,095,913
87$47,739,172$6,101,590$2,880,612$25,197,248
88$52,525,077$6,317,077$2,893,621$27,505,369
89$57,796,513$6,540,493$2,904,437$30,041,138
90$63,602,924$6,772,143$2,912,901$32,827,538
91$69,998,790$7,012,346$2,918,851$35,889,888
92$77,044,148$7,261,432$2,922,114$39,256,083
93$84,805,155$7,519,747$2,922,509$42,956,854
94$93,354,714$7,787,647$2,919,846$47,026,057
95$102,773,160$8,065,507$2,913,926$51,500,997
96$113,149,020$8,353,714$2,904,540$56,422,769
97$124,579,847$8,652,673$2,891,469$61,836,655
98$137,173,141$8,962,804$2,874,483$67,792,545
99$151,047,365$9,284,546$2,853,343$74,345,406
100$166,333,061$9,618,353$2,827,794$81,555,804