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%16.8%
1 years$146,165$144,863$143,593$142,353$141,142$137,229
2 years$72,359$71,011$69,705$68,439$67,211$63,298
3 years$47,760$46,407$45,104$43,849$42,641$38,851
4 years$35,463$34,114$32,824$31,591$30,412$26,773
5 years$28,087$26,746$25,473$24,265$23,119$19,641
6 years$23,171$21,840$20,586$19,405$18,293$14,981
7 years$19,661$18,341$17,107$15,954$14,877$11,730
8 years$17,030$15,722$14,508$13,383$12,342$9,358
9 years$14,984$13,689$12,496$11,400$10,394$7,570
10 years$13,349$12,066$10,894$9,827$8,856$6,189
11 years$12,012$10,741$9,591$8,552$7,616$5,102
12 years$10,898$9,641$8,512$7,501$6,600$4,233
13 years$9,957$8,713$7,605$6,623$5,756$3,531
14 years$9,150$7,920$6,833$5,879$5,045$2,958
15 years$8,452$7,235$6,169$5,243$4,442$2,487
16 years$7,842$6,638$5,593$4,694$3,926$2,096
17 years$7,304$6,113$5,090$4,218$3,481$1,772
18 years$6,826$5,649$4,646$3,801$3,095$1,500
19 years$6,399$5,235$4,253$3,435$2,759$1,273
20 years$6,016$4,865$3,904$3,111$2,464$1,081
21 years$5,669$4,531$3,590$2,823$2,205$919
22 years$5,354$4,230$3,309$2,567$1,977$783
23 years$5,067$3,956$3,055$2,338$1,774$667
24 years$4,805$3,707$2,826$2,132$1,595$568
25 years$4,563$3,478$2,617$1,947$1,435$485
26 years$4,341$3,269$2,427$1,780$1,293$414
27 years$4,135$3,077$2,254$1,630$1,166$354
28 years$3,945$2,899$2,095$1,493$1,052$302
29 years$3,768$2,735$1,950$1,369$950$258
30 years$3,603$2,583$1,816$1,257$858$221
31 years$3,449$2,442$1,693$1,154$776$189
32 years$3,305$2,310$1,580$1,061$702$161
33 years$3,170$2,188$1,475$975$635$138
34 years$3,043$2,074$1,378$897$575$118
35 years$2,924$1,967$1,289$826$521$101
36 years$2,811$1,867$1,205$761$472$86
37 years$2,705$1,773$1,128$701$428$74
38 years$2,605$1,685$1,057$646$388$63
39 years$2,510$1,602$990$596$352$54
40 years$2,420$1,524$928$550$319$46
41 years$2,335$1,451$870$507$289$40
42 years$2,253$1,382$816$468$263$34
43 years$2,176$1,317$766$432$238$29
44 years$2,103$1,255$719$399$216$25
45 years$2,033$1,197$675$368$196$21
46 years$1,966$1,142$634$340$178$18
47 years$1,903$1,090$596$314$162$16
48 years$1,842$1,040$560$290$147$13
49 years$1,784$993$526$268$134$11
50 years$1,728$949$495$248$121$10

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 $3,752 every year, while hoping to spend $34,789 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: 65/9/26 Blend
51$1,770,000$1,770,000$1,770,000$1,770,000
52$1,954,410$1,860,600$1,833,165$2,067,886
53$2,116,745$1,914,754$1,857,561$2,199,081
54$2,294,472$1,970,396$1,881,608$2,338,194
55$2,489,124$2,027,562$1,905,258$2,489,471
56$2,702,390$2,086,288$1,928,460$2,654,111
57$2,936,129$2,146,612$1,951,159$2,833,435
58$3,192,390$2,208,571$1,973,299$3,028,898
59$3,473,429$2,272,206$1,994,818$3,242,104
60$3,781,728$2,337,554$2,015,655$3,474,819
61$4,120,026$2,404,655$2,035,740$3,728,989
62$4,491,335$2,473,550$2,055,004$4,006,758
63$4,898,977$2,544,279$2,073,372$4,310,487
64$5,346,608$2,616,884$2,090,766$4,642,780
65$5,838,257$2,691,407$2,107,102$5,006,504
66$6,378,363$2,767,890$2,122,293$5,404,819
67$6,971,815$2,846,375$2,136,249$5,841,207
68$7,623,999$2,926,906$2,148,872$6,319,504
69$8,340,849$3,009,527$2,160,062$6,843,938
70$9,128,902$3,094,281$2,169,711$7,419,167
71$9,995,362$3,181,212$2,177,708$8,050,325
72$10,948,163$3,270,365$2,183,935$8,743,069
73$11,996,047$3,361,785$2,188,269$9,503,631
74$13,148,648$3,455,516$2,190,579$10,338,881
75$14,416,578$3,551,604$2,190,731$11,256,389
76$15,811,530$3,650,094$2,188,582$12,264,497
77$17,346,387$3,751,030$2,183,980$13,372,397
78$19,035,345$3,854,457$2,176,771$14,590,220
79$20,894,045$3,960,420$2,166,787$15,929,130
80$22,939,721$4,068,964$2,153,858$17,401,428
81$25,191,363$4,180,133$2,137,802$19,020,674
82$27,669,893$4,293,971$2,118,430$20,801,808
83$30,398,367$4,410,521$2,095,542$22,761,295
84$33,402,189$4,529,825$2,068,932$24,917,280
85$36,709,351$4,651,925$2,038,380$27,289,761
86$40,350,699$4,776,863$2,003,659$29,900,773
87$44,360,219$4,904,678$1,964,530$32,774,603
88$48,775,363$5,035,409$1,920,744$35,938,013
89$53,637,399$5,169,093$1,872,038$39,420,497
90$58,991,802$5,305,767$1,818,140$43,254,559
91$64,888,681$5,445,465$1,758,762$47,476,019
92$71,383,253$5,588,219$1,693,607$52,124,351
93$78,536,362$5,734,059$1,622,361$57,243,058
94$86,415,057$5,883,014$1,544,696$62,880,081
95$95,093,221$6,035,110$1,460,271$69,088,253
96$104,652,268$6,190,369$1,368,729$75,925,799
97$115,181,913$6,348,811$1,269,695$83,456,882
98$126,781,019$6,510,453$1,162,780$91,752,215
99$139,558,525$6,675,307$1,047,575$100,889,724
100$153,634,481$6,843,384$923,656$110,955,287