Can I retire at age 52 with 1,700,000?

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 $1,700,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.8%
1 years$140,384$139,134$137,914$136,723$135,560$133,424
2 years$69,497$68,203$66,949$65,732$64,553$62,406
3 years$45,871$44,571$43,320$42,115$40,955$38,865
4 years$34,061$32,765$31,526$30,342$29,209$27,192
5 years$26,976$25,688$24,465$23,305$22,204$20,265
6 years$22,255$20,976$19,772$18,637$17,570$15,711
7 years$18,883$17,616$16,430$15,323$14,289$12,511
8 years$16,356$15,100$13,934$12,854$11,854$10,157
9 years$14,392$13,147$12,002$10,949$9,983$8,366
10 years$12,821$11,589$10,463$9,438$8,506$6,967
11 years$11,537$10,317$9,212$8,214$7,315$5,854
12 years$10,467$9,260$8,175$7,205$6,339$4,953
13 years$9,563$8,368$7,304$6,361$5,528$4,215
14 years$8,788$7,606$6,563$5,646$4,846$3,604
15 years$8,118$6,949$5,925$5,035$4,267$3,093
16 years$7,532$6,375$5,372$4,509$3,771$2,664
17 years$7,015$5,871$4,888$4,051$3,343$2,301
18 years$6,556$5,425$4,462$3,651$2,973$1,991
19 years$6,146$5,028$4,085$3,299$2,650$1,727
20 years$5,778$4,672$3,749$2,988$2,367$1,501
21 years$5,445$4,352$3,448$2,712$2,118$1,306
22 years$5,142$4,063$3,178$2,465$1,899$1,138
23 years$4,867$3,800$2,935$2,245$1,704$992
24 years$4,615$3,560$2,714$2,048$1,532$866
25 years$4,383$3,341$2,514$1,870$1,378$757
26 years$4,169$3,140$2,331$1,710$1,242$662
27 years$3,972$2,955$2,165$1,565$1,119$579
28 years$3,789$2,784$2,013$1,434$1,010$507
29 years$3,619$2,627$1,873$1,315$912$444
30 years$3,460$2,481$1,744$1,207$824$389
31 years$3,313$2,345$1,626$1,108$745$341
32 years$3,174$2,219$1,517$1,019$674$299
33 years$3,044$2,101$1,417$937$610$262
34 years$2,923$1,992$1,324$862$552$230
35 years$2,808$1,889$1,238$793$500$202
36 years$2,700$1,793$1,158$731$453$177
37 years$2,598$1,703$1,084$673$411$155
38 years$2,502$1,618$1,015$621$372$136
39 years$2,411$1,539$951$572$338$120
40 years$2,324$1,464$891$528$306$105
41 years$2,242$1,394$836$487$278$92
42 years$2,164$1,327$784$449$252$81
43 years$2,090$1,265$736$415$229$71
44 years$2,020$1,206$690$383$208$63
45 years$1,953$1,150$648$354$189$55
46 years$1,889$1,097$609$327$171$48
47 years$1,828$1,047$572$302$155$42
48 years$1,769$999$538$279$141$37
49 years$1,713$954$505$258$128$33
50 years$1,660$911$475$238$116$29

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,700,000, adding $6,619 every year, while hoping to spend $32,887 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: 51/31/18 Blend
51$1,700,000$1,700,000$1,700,000$1,700,000
52$1,880,227$1,790,127$1,763,777$1,966,473
53$2,037,019$1,842,852$1,787,873$2,079,283
54$2,208,701$1,897,058$1,811,673$2,197,908
55$2,396,758$1,952,783$1,835,133$2,326,168
56$2,602,824$2,010,066$1,858,206$2,464,987
57$2,828,699$2,068,946$1,880,843$2,615,381
58$3,076,365$2,129,464$1,902,990$2,778,465
59$3,348,006$2,191,659$1,924,592$2,955,471
60$3,646,027$2,255,575$1,945,590$3,147,753
61$3,973,077$2,321,253$1,965,922$3,356,802
62$4,332,073$2,388,736$1,985,523$3,584,260
63$4,726,229$2,458,069$2,004,323$3,831,934
64$5,159,087$2,529,297$2,022,250$4,101,816
65$5,634,545$2,602,464$2,039,227$4,396,098
66$6,156,901$2,677,617$2,055,173$4,717,195
67$6,730,888$2,754,803$2,070,004$5,067,767
68$7,361,720$2,834,070$2,083,631$5,450,743
69$8,055,141$2,915,465$2,095,959$5,869,351
70$8,817,481$2,999,039$2,106,889$6,327,145
71$9,655,712$3,084,840$2,116,318$6,828,040
72$10,577,517$3,172,919$2,124,136$7,376,351
73$11,591,359$3,263,327$2,130,230$7,976,829
74$12,706,563$3,356,116$2,134,478$8,634,710
75$13,933,404$3,451,337$2,136,755$9,355,762
76$15,283,202$3,549,043$2,136,927$10,146,341
77$16,768,429$3,649,287$2,134,855$11,013,446
78$18,402,830$3,752,123$2,130,393$11,964,793
79$20,201,546$3,857,605$2,123,389$13,008,882
80$22,181,263$3,965,786$2,113,682$14,155,077
81$24,360,364$4,076,722$2,101,103$15,413,697
82$26,759,107$4,190,468$2,085,475$16,796,112
83$29,399,813$4,307,077$2,066,615$18,314,851
84$32,307,075$4,426,605$2,044,328$19,983,719
85$35,507,995$4,549,107$2,018,412$21,817,927
86$39,032,436$4,674,639$1,988,654$23,834,236
87$42,913,302$4,803,254$1,954,831$26,051,118
88$47,186,853$4,935,007$1,916,712$28,488,924
89$51,893,042$5,069,952$1,874,052$31,170,082
90$57,075,896$5,208,144$1,826,596$34,119,307
91$62,783,928$5,349,634$1,774,079$37,363,831
92$69,070,599$5,494,476$1,716,220$40,933,665
93$75,994,815$5,642,720$1,652,728$44,861,880
94$83,621,490$5,794,417$1,583,298$49,184,917
95$92,022,154$5,949,616$1,507,611$53,942,936
96$101,275,632$6,108,365$1,425,334$59,180,190
97$111,468,782$6,270,710$1,336,118$64,945,446
98$122,697,318$6,436,696$1,239,599$71,292,446
99$135,066,715$6,606,364$1,135,396$78,280,410
100$148,693,200$6,779,756$1,023,112$85,974,600