Can I retire at age 52 with 1,710,000?

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 $1,710,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17%
1 years$141,210$139,952$138,725$137,527$136,358$132,471
2 years$69,906$68,604$67,342$66,119$64,932$61,046
3 years$46,141$44,834$43,575$42,363$41,196$37,433
4 years$34,261$32,957$31,711$30,520$29,381$25,770
5 years$27,135$25,839$24,609$23,442$22,335$18,886
6 years$22,385$21,099$19,888$18,747$17,673$14,388
7 years$18,994$17,719$16,527$15,413$14,373$11,253
8 years$16,452$15,189$14,016$12,930$11,924$8,967
9 years$14,476$13,225$12,072$11,013$10,041$7,245
10 years$12,896$11,657$10,525$9,493$8,556$5,916
11 years$11,604$10,377$9,266$8,262$7,358$4,870
12 years$10,529$9,314$8,223$7,247$6,377$4,036
13 years$9,619$8,417$7,347$6,398$5,560$3,362
14 years$8,840$7,651$6,601$5,679$4,874$2,812
15 years$8,166$6,989$5,960$5,065$4,292$2,361
16 years$7,576$6,413$5,404$4,535$3,793$1,988
17 years$7,056$5,906$4,917$4,075$3,363$1,677
18 years$6,595$5,457$4,489$3,672$2,990$1,418
19 years$6,182$5,058$4,109$3,318$2,665$1,201
20 years$5,812$4,700$3,771$3,005$2,381$1,019
21 years$5,477$4,378$3,469$2,727$2,131$865
22 years$5,173$4,086$3,197$2,480$1,910$735
23 years$4,895$3,822$2,952$2,258$1,714$625
24 years$4,642$3,581$2,730$2,060$1,541$532
25 years$4,409$3,361$2,529$1,881$1,386$454
26 years$4,194$3,158$2,345$1,720$1,249$386
27 years$3,995$2,972$2,178$1,574$1,126$330
28 years$3,811$2,801$2,024$1,443$1,016$281
29 years$3,640$2,642$1,884$1,323$917$240
30 years$3,481$2,495$1,755$1,214$829$205
31 years$3,332$2,359$1,636$1,115$749$175
32 years$3,193$2,232$1,526$1,025$678$149
33 years$3,062$2,114$1,425$942$614$127
34 years$2,940$2,003$1,332$867$555$109
35 years$2,825$1,900$1,245$798$503$93
36 years$2,716$1,804$1,165$735$456$79
37 years$2,613$1,713$1,090$677$413$68
38 years$2,516$1,628$1,021$624$375$58
39 years$2,425$1,548$956$576$340$49
40 years$2,338$1,473$896$531$308$42
41 years$2,255$1,402$841$490$280$36
42 years$2,177$1,335$788$452$254$31
43 years$2,103$1,272$740$417$230$26
44 years$2,032$1,213$694$385$209$23
45 years$1,964$1,156$652$356$190$19
46 years$1,900$1,103$612$329$172$16
47 years$1,838$1,053$575$304$156$14
48 years$1,780$1,005$541$281$142$12
49 years$1,723$960$508$259$129$10
50 years$1,670$917$478$240$117$9

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,710,000, adding $5,122 every year, while hoping to spend $51,713 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: 76/10/14 Blend
51$1,710,000$1,710,000$1,710,000$1,710,000
52$1,889,703$1,799,073$1,772,568$2,027,400
53$2,027,431$1,832,206$1,776,927$2,152,109
54$2,177,473$1,865,228$1,779,699$2,281,789
55$2,341,032$1,898,081$1,780,775$2,422,530
56$2,519,430$1,930,700$1,780,044$2,575,419
57$2,714,123$1,963,015$1,777,386$2,741,648
58$2,926,712$1,994,951$1,772,677$2,922,535
59$3,158,961$2,026,428$1,765,786$3,119,530
60$3,412,811$2,057,359$1,756,576$3,334,229
61$3,690,401$2,087,653$1,744,905$3,568,393
62$3,994,084$2,117,210$1,730,621$3,823,961
63$4,326,452$2,145,924$1,713,568$4,103,069
64$4,690,357$2,173,682$1,693,580$4,408,073
65$5,088,943$2,200,362$1,670,484$4,741,566
66$5,525,670$2,225,835$1,644,100$5,106,407
67$6,004,349$2,249,961$1,614,239$5,505,747
68$6,529,178$2,272,595$1,580,701$5,943,056
69$7,104,780$2,293,578$1,543,280$6,422,161
70$7,736,246$2,312,742$1,501,758$6,947,277
71$8,429,186$2,329,908$1,455,910$7,523,051
72$9,189,776$2,344,887$1,405,496$8,154,601
73$10,024,822$2,357,475$1,350,269$8,847,571
74$10,941,820$2,367,458$1,289,969$9,608,178
75$11,949,027$2,374,605$1,224,325$10,443,275
76$13,055,540$2,378,673$1,153,052$11,360,416
77$14,271,381$2,379,404$1,075,855$12,367,922
78$15,607,589$2,376,522$992,424$13,474,966
79$17,076,327$2,369,735$902,434$14,691,659
80$18,690,995$2,358,734$805,547$16,029,141
81$20,466,354$2,343,190$701,410$17,499,690
82$22,418,669$2,322,753$589,655$19,116,840
83$24,565,860$2,297,055$469,895$20,895,502
84$26,927,670$2,265,703$341,729$22,852,115
85$29,525,851$2,228,281$204,736$25,004,792
86$32,384,371$2,184,350$58,478$27,373,496
87$35,529,637$2,133,444$0$29,980,231
88$38,990,745$2,075,067$0$32,863,823
89$42,799,754$2,008,699$0$36,046,687
90$46,991,989$1,933,784$0$39,549,604
91$51,606,371$1,849,739$0$43,405,110
92$56,685,788$1,755,944$0$47,649,060
93$62,277,496$1,651,742$0$52,320,962
94$68,433,566$1,536,443$0$57,464,353
95$75,211,373$1,409,312$0$63,127,211
96$82,674,140$1,269,575$0$69,362,402
97$90,891,533$1,116,415$0$76,228,188
98$99,940,315$948,966$0$83,788,768
99$109,905,076$766,313$0$92,114,891
100$120,879,024$567,493$0$101,284,520