Can I retire at age 52 with 1,780,000?

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 $1,780,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.7%
1 years$146,991$145,681$144,404$143,157$141,940$138,060
2 years$72,768$71,412$70,099$68,826$67,590$63,710
3 years$48,030$46,669$45,359$44,097$42,882$39,123
4 years$35,663$34,307$33,010$31,770$30,584$26,974
5 years$28,246$26,897$25,617$24,402$23,249$19,799
6 years$23,302$21,963$20,702$19,515$18,396$15,109
7 years$19,772$18,445$17,204$16,044$14,961$11,837
8 years$17,126$15,810$14,590$13,459$12,412$9,449
9 years$15,069$13,766$12,566$11,464$10,453$7,648
10 years$13,424$12,134$10,956$9,882$8,906$6,257
11 years$12,079$10,802$9,645$8,600$7,660$5,161
12 years$10,960$9,695$8,560$7,544$6,638$4,285
13 years$10,013$8,762$7,648$6,660$5,788$3,577
14 years$9,202$7,964$6,871$5,912$5,074$2,998
15 years$8,500$7,275$6,204$5,272$4,467$2,522
16 years$7,886$6,675$5,625$4,721$3,948$2,128
17 years$7,345$6,148$5,118$4,242$3,501$1,800
18 years$6,865$5,681$4,672$3,823$3,113$1,525
19 years$6,436$5,265$4,277$3,454$2,774$1,295
20 years$6,050$4,892$3,926$3,128$2,478$1,101
21 years$5,701$4,557$3,611$2,839$2,218$937
22 years$5,384$4,254$3,328$2,581$1,988$798
23 years$5,096$3,978$3,073$2,351$1,784$680
24 years$4,832$3,728$2,842$2,144$1,604$581
25 years$4,589$3,498$2,632$1,958$1,443$496
26 years$4,366$3,288$2,441$1,790$1,300$423
27 years$4,159$3,094$2,267$1,639$1,172$362
28 years$3,967$2,916$2,107$1,502$1,058$309
29 years$3,789$2,750$1,961$1,377$955$265
30 years$3,623$2,598$1,827$1,264$863$226
31 years$3,468$2,456$1,703$1,161$780$194
32 years$3,324$2,323$1,589$1,067$706$166
33 years$3,188$2,200$1,483$981$639$142
34 years$3,060$2,085$1,386$902$578$122
35 years$2,940$1,978$1,296$831$524$104
36 years$2,827$1,877$1,212$765$475$89
37 years$2,720$1,783$1,135$705$430$76
38 years$2,619$1,695$1,063$650$390$65
39 years$2,524$1,611$995$599$354$56
40 years$2,434$1,533$933$553$321$48
41 years$2,348$1,459$875$510$291$41
42 years$2,266$1,390$821$471$264$35
43 years$2,189$1,324$770$434$240$30
44 years$2,115$1,262$723$401$217$26
45 years$2,045$1,204$679$370$197$22
46 years$1,978$1,148$638$342$179$19
47 years$1,914$1,096$599$316$163$16
48 years$1,852$1,046$563$292$148$14
49 years$1,794$999$529$270$134$12
50 years$1,738$954$497$250$122$10

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,780,000, adding $6,105 every year, while hoping to spend $38,760 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: 89/5/6 Blend
51$1,780,000$1,780,000$1,780,000$1,780,000
52$1,967,857$1,873,517$1,845,927$2,142,167
53$2,127,338$1,924,079$1,866,526$2,307,040
54$2,301,788$1,975,820$1,886,515$2,482,213
55$2,492,690$2,028,756$1,905,834$2,673,549
56$2,701,683$2,082,903$1,924,417$2,882,649
57$2,930,568$2,138,278$1,942,198$3,111,277
58$3,181,328$2,194,896$1,959,104$3,361,375
59$3,456,148$2,252,770$1,975,059$3,635,083
60$3,757,435$2,311,916$1,989,983$3,934,756
61$4,087,840$2,372,347$2,003,794$4,262,990
62$4,450,281$2,434,073$2,016,402$4,622,643
63$4,847,974$2,497,106$2,027,716$5,016,863
64$5,284,459$2,561,457$2,037,637$5,449,119
65$5,763,640$2,627,134$2,046,063$5,923,231
66$6,289,811$2,694,144$2,052,887$6,443,407
67$6,867,708$2,762,493$2,057,995$7,014,283
68$7,502,546$2,832,187$2,061,269$7,640,969
69$8,200,068$2,903,226$2,062,583$8,329,089
70$8,966,603$2,975,613$2,061,809$9,084,843
71$9,809,124$3,049,345$2,058,807$9,915,062
72$10,735,313$3,124,421$2,053,434$10,827,270
73$11,753,630$3,200,833$2,045,540$11,829,756
74$12,873,400$3,278,574$2,034,966$12,931,657
75$14,104,896$3,357,632$2,021,546$14,143,034
76$15,459,433$3,437,995$2,005,106$15,474,978
77$16,949,483$3,519,644$1,985,464$16,939,706
78$18,588,783$3,602,559$1,962,429$18,550,679
79$20,392,470$3,686,716$1,935,803$20,322,732
80$22,377,224$3,772,087$1,905,374$22,272,207
81$24,561,422$3,858,641$1,870,925$24,417,114
82$26,965,313$3,946,339$1,832,227$26,777,296
83$29,611,206$4,035,142$1,789,038$29,374,620
84$32,523,688$4,125,002$1,741,109$32,233,178
85$35,729,844$4,215,867$1,688,176$35,379,519
86$39,259,524$4,307,680$1,629,966$38,842,898
87$43,145,616$4,400,377$1,566,190$42,655,551
88$47,424,360$4,493,887$1,496,549$46,852,999
89$52,135,690$4,588,133$1,420,729$51,474,385
90$57,323,608$4,683,029$1,338,401$56,562,842
91$63,036,602$4,778,483$1,249,223$62,165,897
92$69,328,098$4,874,392$1,152,835$68,335,927
93$76,256,974$4,970,647$1,048,864$75,130,646
94$83,888,103$5,067,126$936,919$82,613,651
95$92,292,974$5,163,699$816,590$90,855,025
96$101,550,362$5,260,226$687,451$99,931,997
97$111,747,075$5,356,553$549,057$109,929,669
98$122,978,768$5,452,515$400,941$120,941,821
99$135,350,848$5,547,935$242,619$133,071,797
100$148,979,470$5,642,619$73,582$146,433,476