Can I retire at age 52 with 1,720,000?

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 $1,720,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.1%
1 years$142,036$140,771$139,536$138,332$137,155$133,731
2 years$70,315$69,005$67,736$66,506$65,312$61,884
3 years$46,411$45,096$43,830$42,611$41,437$38,112
4 years$34,461$33,150$31,897$30,699$29,553$26,357
5 years$27,293$25,990$24,753$23,580$22,466$19,407
6 years$22,516$21,223$20,004$18,857$17,776$14,859
7 years$19,106$17,823$16,624$15,503$14,457$11,680
8 years$16,549$15,278$14,098$13,005$11,993$9,357
9 years$14,561$13,302$12,143$11,078$10,100$7,601
10 years$12,972$11,725$10,586$9,549$8,606$6,241
11 years$11,672$10,438$9,320$8,310$7,401$5,168
12 years$10,590$9,369$8,271$7,289$6,414$4,308
13 years$9,675$8,466$7,390$6,435$5,593$3,610
14 years$8,892$7,696$6,640$5,713$4,903$3,039
15 years$8,213$7,030$5,995$5,095$4,317$2,567
16 years$7,620$6,450$5,435$4,562$3,815$2,175
17 years$7,098$5,940$4,946$4,099$3,383$1,848
18 years$6,633$5,489$4,515$3,694$3,008$1,573
19 years$6,219$5,087$4,133$3,338$2,681$1,341
20 years$5,846$4,727$3,793$3,023$2,395$1,145
21 years$5,509$4,403$3,489$2,743$2,143$979
22 years$5,203$4,110$3,216$2,494$1,921$838
23 years$4,924$3,844$2,969$2,272$1,724$718
24 years$4,669$3,602$2,746$2,072$1,550$616
25 years$4,434$3,380$2,543$1,892$1,395$528
26 years$4,218$3,177$2,359$1,730$1,256$453
27 years$4,019$2,990$2,190$1,584$1,133$389
28 years$3,834$2,817$2,036$1,451$1,022$335
29 years$3,661$2,658$1,895$1,331$923$288
30 years$3,501$2,510$1,765$1,221$834$247
31 years$3,352$2,373$1,645$1,121$754$213
32 years$3,212$2,245$1,535$1,031$682$183
33 years$3,080$2,126$1,433$948$617$157
34 years$2,957$2,015$1,339$872$559$135
35 years$2,841$1,911$1,252$803$506$116
36 years$2,732$1,814$1,171$739$459$100
37 years$2,629$1,723$1,096$681$416$86
38 years$2,531$1,637$1,027$628$377$74
39 years$2,439$1,557$962$579$342$64
40 years$2,352$1,481$902$534$310$55
41 years$2,269$1,410$845$493$281$47
42 years$2,190$1,343$793$455$255$41
43 years$2,115$1,280$744$420$232$35
44 years$2,044$1,220$699$388$210$30
45 years$1,976$1,163$656$358$191$26
46 years$1,911$1,110$616$331$173$22
47 years$1,849$1,059$579$305$157$19
48 years$1,790$1,011$544$282$143$17
49 years$1,733$965$511$261$130$14
50 years$1,679$922$481$241$118$12

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,720,000, adding $4,371 every year, while hoping to spend $44,267 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: 73/15/12 Blend
51$1,720,000$1,720,000$1,720,000$1,720,000
52$1,899,949$1,808,789$1,782,129$2,033,678
53$2,046,644$1,850,320$1,794,730$2,164,216
54$2,206,818$1,892,402$1,806,270$2,301,250
55$2,381,800$1,935,016$1,816,667$2,450,142
56$2,573,051$1,978,139$1,825,833$2,612,053
57$2,782,181$2,021,747$1,833,677$2,788,265
58$3,010,964$2,065,813$1,840,105$2,980,186
59$3,261,349$2,110,305$1,845,016$3,189,370
60$3,535,487$2,155,190$1,848,304$3,417,526
61$3,835,743$2,200,431$1,849,859$3,666,540
62$4,164,725$2,245,987$1,849,565$3,938,488
63$4,525,300$2,291,815$1,847,299$4,235,655
64$4,920,632$2,337,865$1,842,935$4,560,562
65$5,354,200$2,384,084$1,836,337$4,915,984
66$5,829,840$2,430,416$1,827,366$5,304,979
67$6,351,775$2,476,797$1,815,874$5,730,918
68$6,924,657$2,523,161$1,801,706$6,197,514
69$7,553,610$2,569,434$1,784,701$6,708,856
70$8,244,280$2,615,538$1,764,690$7,269,454
71$9,002,884$2,661,387$1,741,495$7,884,274
72$9,836,273$2,706,889$1,714,930$8,558,790
73$10,751,993$2,751,947$1,684,801$9,299,033
74$11,758,358$2,796,454$1,650,903$10,111,650
75$12,864,527$2,840,297$1,613,024$11,003,963
76$14,080,589$2,883,352$1,570,941$11,984,044
77$15,417,662$2,925,489$1,524,421$13,060,786
78$16,887,993$2,966,567$1,473,218$14,243,991
79$18,505,077$3,006,438$1,417,079$15,544,458
80$20,283,780$3,044,938$1,355,737$16,974,089
81$22,240,483$3,081,898$1,288,912$18,546,000
82$24,393,234$3,117,133$1,216,312$20,274,646
83$26,761,919$3,150,447$1,137,633$22,175,956
84$29,368,448$3,181,632$1,052,557$24,267,483
85$32,236,962$3,210,465$960,750$26,568,572
86$35,394,062$3,236,707$861,866$29,100,541
87$38,869,058$3,260,107$755,539$31,886,886
88$42,694,244$3,280,395$641,393$34,953,497
89$46,905,207$3,297,284$519,029$38,328,907
90$51,541,156$3,310,470$388,035$42,044,561
91$56,645,299$3,319,627$247,978$46,135,111
92$62,265,242$3,324,412$98,409$50,638,748
93$68,453,447$3,324,458$0$55,597,557
94$75,267,719$3,319,376$0$61,065,758
95$82,771,755$3,308,755$0$67,100,581
96$91,035,744$3,292,155$0$73,745,810
97$100,137,031$3,269,111$0$81,063,590
98$110,160,842$3,239,131$0$89,122,406
99$121,201,091$3,201,692$0$97,997,725
100$133,361,267$3,156,239$0$107,772,712