Can I retire at age 52 with 1,650,000?

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 $1,650,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.2%
1 years$136,255$135,042$133,858$132,702$131,573$128,759
2 years$67,453$66,197$64,979$63,799$62,654$59,832
3 years$44,522$43,260$42,046$40,877$39,750$37,009
4 years$33,059$31,801$30,599$29,449$28,350$25,711
5 years$26,183$24,932$23,746$22,620$21,551$19,021
6 years$21,600$20,359$19,190$18,089$17,053$14,635
7 years$18,328$17,098$15,947$14,872$13,869$11,563
8 years$15,875$14,656$13,524$12,476$11,505$9,312
9 years$13,968$12,761$11,649$10,627$9,689$7,605
10 years$12,444$11,248$10,156$9,160$8,256$6,280
11 years$11,197$10,013$8,941$7,972$7,100$5,230
12 years$10,159$8,987$7,935$6,993$6,153$4,385
13 years$9,281$8,122$7,089$6,174$5,365$3,697
14 years$8,530$7,383$6,370$5,480$4,703$3,131
15 years$7,879$6,744$5,751$4,887$4,141$2,662
16 years$7,310$6,188$5,214$4,376$3,660$2,270
17 years$6,809$5,699$4,745$3,932$3,245$1,941
18 years$6,363$5,266$4,331$3,543$2,885$1,663
19 years$5,966$4,880$3,965$3,202$2,572$1,428
20 years$5,608$4,535$3,639$2,900$2,297$1,227
21 years$5,285$4,224$3,347$2,632$2,056$1,057
22 years$4,991$3,943$3,085$2,393$1,843$911
23 years$4,724$3,688$2,848$2,179$1,654$786
24 years$4,479$3,455$2,634$1,988$1,487$679
25 years$4,254$3,243$2,440$1,815$1,338$586
26 years$4,047$3,048$2,263$1,660$1,205$507
27 years$3,855$2,868$2,101$1,519$1,086$439
28 years$3,677$2,703$1,953$1,392$980$380
29 years$3,512$2,550$1,818$1,276$885$329
30 years$3,359$2,408$1,693$1,171$800$285
31 years$3,215$2,276$1,578$1,076$723$247
32 years$3,081$2,154$1,473$989$654$214
33 years$2,955$2,040$1,375$909$592$185
34 years$2,837$1,933$1,285$837$536$161
35 years$2,725$1,834$1,201$770$485$139
36 years$2,621$1,740$1,124$709$440$121
37 years$2,522$1,653$1,052$653$399$105
38 years$2,428$1,571$985$602$361$91
39 years$2,340$1,494$923$555$328$79
40 years$2,256$1,421$865$512$297$68
41 years$2,176$1,353$811$473$270$59
42 years$2,101$1,288$761$436$245$51
43 years$2,029$1,228$714$403$222$45
44 years$1,960$1,170$670$372$202$39
45 years$1,895$1,116$629$343$183$34
46 years$1,833$1,064$591$317$166$29
47 years$1,774$1,016$555$293$151$25
48 years$1,717$970$522$271$137$22
49 years$1,663$926$490$250$124$19
50 years$1,611$885$461$231$113$17

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,650,000, adding $6,512 every year, while hoping to spend $25,651 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: 87/7/6 Blend
51$1,650,000$1,650,000$1,650,000$1,650,000
52$1,825,017$1,737,567$1,711,992$1,982,834
53$1,983,876$1,795,415$1,742,051$2,144,454
54$2,158,080$1,855,239$1,772,258$2,317,817
55$2,349,165$1,917,106$1,802,590$2,507,525
56$2,558,826$1,981,091$1,833,023$2,715,207
57$2,788,929$2,047,267$1,863,532$2,942,656
58$3,041,529$2,115,713$1,894,089$3,191,846
59$3,318,891$2,186,508$1,924,667$3,464,953
60$3,623,508$2,259,737$1,955,233$3,764,372
61$3,958,127$2,335,486$1,985,756$4,092,741
62$4,325,776$2,413,845$2,016,199$4,452,966
63$4,729,789$2,494,907$2,046,525$4,848,249
64$5,173,839$2,578,769$2,076,694$5,282,116
65$5,661,972$2,665,530$2,106,666$5,758,453
66$6,198,648$2,755,296$2,136,394$6,281,538
67$6,788,778$2,848,173$2,165,831$6,856,086
68$7,437,774$2,944,275$2,194,927$7,487,290
69$8,151,599$3,043,716$2,223,629$8,180,873
70$8,936,822$3,146,618$2,251,880$8,943,139
71$9,800,681$3,253,105$2,279,622$9,781,032
72$10,751,151$3,363,308$2,306,790$10,702,204
73$11,797,020$3,477,361$2,333,318$11,715,086
74$12,947,968$3,595,405$2,359,137$12,828,966
75$14,214,664$3,717,583$2,384,171$14,054,077
76$15,608,863$3,844,047$2,408,344$15,401,696
77$17,143,515$3,974,953$2,431,571$16,884,247
78$18,832,892$4,110,464$2,453,767$18,515,417
79$20,692,718$4,250,749$2,474,840$20,310,291
80$22,740,322$4,395,982$2,494,693$22,285,487
81$24,994,794$4,546,345$2,513,225$24,459,318
82$27,477,175$4,702,027$2,530,330$26,851,960
83$30,210,644$4,863,224$2,545,893$29,485,648
84$33,220,748$5,030,140$2,559,799$32,384,879
85$36,535,634$5,202,986$2,571,921$35,576,648
86$40,186,318$5,381,982$2,582,131$39,090,701
87$44,206,980$5,567,357$2,590,290$42,959,814
88$48,635,282$5,759,347$2,596,255$47,220,104
89$53,512,725$5,958,200$2,599,873$51,911,369
90$58,885,042$6,164,170$2,600,988$57,077,465
91$64,802,626$6,377,525$2,599,431$62,766,715
92$71,321,011$6,598,540$2,595,028$69,032,370
93$78,501,389$6,827,503$2,587,597$75,933,109
94$86,411,193$7,064,713$2,576,943$83,533,592
95$95,124,730$7,310,480$2,562,867$91,905,072
96$104,723,886$7,565,127$2,545,157$101,126,065
97$115,298,894$7,828,989$2,523,590$111,283,093
98$126,949,187$8,102,416$2,497,937$122,471,499
99$139,784,339$8,385,769$2,467,952$134,796,346
100$153,925,095$8,679,426$2,433,383$148,373,413