Can I retire at age 52 with 1,630,000?

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 $1,630,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.2%
1 years$134,604$133,405$132,235$131,093$129,978$126,172
2 years$66,636$65,395$64,192$63,026$61,895$58,090
3 years$43,982$42,736$41,536$40,381$39,268$35,586
4 years$32,658$31,416$30,228$29,092$28,007$24,474
5 years$25,865$24,630$23,458$22,346$21,290$17,917
6 years$21,338$20,112$18,958$17,870$16,846$13,635
7 years$18,106$16,890$15,754$14,692$13,700$10,652
8 years$15,683$14,478$13,361$12,325$11,366$8,478
9 years$13,799$12,606$11,507$10,498$9,572$6,842
10 years$12,293$11,111$10,032$9,049$8,156$5,579
11 years$11,061$9,892$8,832$7,876$7,014$4,587
12 years$10,036$8,878$7,839$6,908$6,078$3,796
13 years$9,169$8,023$7,003$6,099$5,300$3,158
14 years$8,426$7,293$6,292$5,414$4,646$2,638
15 years$7,784$6,662$5,681$4,828$4,091$2,212
16 years$7,222$6,113$5,151$4,323$3,616$1,859
17 years$6,726$5,629$4,687$3,884$3,206$1,567
18 years$6,286$5,202$4,279$3,500$2,850$1,323
19 years$5,893$4,821$3,917$3,163$2,541$1,119
20 years$5,540$4,480$3,595$2,865$2,269$947
21 years$5,221$4,173$3,306$2,600$2,031$803
22 years$4,931$3,895$3,047$2,364$1,820$682
23 years$4,666$3,643$2,814$2,153$1,634$579
24 years$4,425$3,413$2,602$1,964$1,469$492
25 years$4,202$3,203$2,410$1,793$1,322$418
26 years$3,998$3,011$2,235$1,640$1,190$356
27 years$3,808$2,833$2,076$1,501$1,073$303
28 years$3,633$2,670$1,930$1,375$968$258
29 years$3,470$2,519$1,796$1,261$875$220
30 years$3,318$2,379$1,673$1,157$790$187
31 years$3,176$2,249$1,559$1,063$714$160
32 years$3,043$2,128$1,455$977$646$136
33 years$2,919$2,015$1,358$898$585$116
34 years$2,802$1,910$1,269$826$529$99
35 years$2,692$1,811$1,187$761$480$84
36 years$2,589$1,719$1,110$701$435$72
37 years$2,491$1,633$1,039$646$394$61
38 years$2,399$1,552$973$595$357$52
39 years$2,311$1,476$912$549$324$45
40 years$2,228$1,404$854$506$294$38
41 years$2,150$1,336$801$467$266$32
42 years$2,075$1,273$752$431$242$28
43 years$2,004$1,213$705$398$219$24
44 years$1,937$1,156$662$367$199$20
45 years$1,872$1,102$622$339$181$17
46 years$1,811$1,052$584$313$164$15
47 years$1,752$1,003$548$289$149$13
48 years$1,696$958$515$267$135$11
49 years$1,643$915$484$247$123$9
50 years$1,591$874$455$228$112$8

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,630,000, adding $5,559 every year, while hoping to spend $57,090 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: 42/46/12 Blend
51$1,630,000$1,630,000$1,630,000$1,630,000
52$1,801,994$1,715,604$1,690,339$1,871,120
53$1,925,054$1,738,925$1,686,222$1,943,434
54$2,058,753$1,761,476$1,680,054$2,015,565
55$2,204,115$1,783,158$1,671,705$2,092,408
56$2,362,269$1,803,866$1,661,041$2,174,419
57$2,534,454$1,823,490$1,647,920$2,262,101
58$2,722,036$1,841,908$1,632,193$2,356,009
59$2,926,517$1,858,995$1,613,704$2,456,758
60$3,149,550$1,874,614$1,592,292$2,565,028
61$3,392,955$1,888,621$1,567,785$2,681,570
62$3,658,736$1,900,863$1,540,004$2,807,216
63$3,949,096$1,911,174$1,508,764$2,942,883
64$4,266,464$1,919,382$1,473,868$3,089,587
65$4,613,512$1,925,301$1,435,111$3,248,451
66$4,993,183$1,928,733$1,392,280$3,420,715
67$5,408,717$1,929,470$1,345,151$3,607,750
68$5,863,682$1,927,290$1,293,489$3,811,072
69$6,362,006$1,921,955$1,237,049$4,032,354
70$6,908,016$1,913,217$1,175,576$4,273,447
71$7,506,478$1,900,809$1,108,802$4,536,395
72$8,162,638$1,884,448$1,036,447$4,823,457
73$8,882,278$1,863,837$958,219$5,137,127
74$9,671,764$1,838,658$873,812$5,480,161
75$10,538,106$1,808,575$782,907$5,855,603
76$11,489,031$1,773,233$685,172$6,266,817
77$12,533,044$1,732,254$580,258$6,717,513
78$13,679,519$1,685,239$467,801$7,211,794
79$14,938,780$1,631,765$347,423$7,754,186
80$16,322,200$1,571,386$218,726$8,349,690
81$17,842,309$1,503,628$81,297$9,003,823
82$19,512,908$1,427,990$0$9,722,681
83$21,349,205$1,343,942$0$10,521,359
84$23,367,953$1,250,924$0$11,410,567
85$25,587,609$1,148,344$0$12,388,140
86$28,028,508$1,035,575$0$13,463,188
87$30,713,053$911,956$0$14,645,761
88$33,665,930$776,787$0$15,946,946
89$36,914,335$629,330$0$17,378,975
90$40,488,233$468,803$0$18,955,338
91$44,420,641$294,383$0$20,690,919
92$48,747,937$105,198$0$22,602,136
93$53,510,203$0$0$24,707,095
94$58,751,604$0$0$27,076,223
95$64,520,804$0$0$29,742,774
96$70,871,424$0$0$32,678,313
97$77,862,546$0$0$35,910,184
98$85,559,273$0$0$39,468,514
99$94,033,341$0$0$43,386,502
100$103,363,794$0$0$47,700,728