Can I retire at age 52 with 1,730,000?

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 $1,730,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.2%
1 years$142,862$141,589$140,348$139,136$137,953$137,256
2 years$70,724$69,406$68,130$66,892$65,692$64,989
3 years$46,681$45,358$44,085$42,859$41,678$40,990
4 years$34,662$33,343$32,082$30,877$29,725$29,058
5 years$27,452$26,141$24,897$23,717$22,596$21,952
6 years$22,647$21,346$20,121$18,966$17,880$17,259
7 years$19,217$17,927$16,720$15,593$14,541$13,944
8 years$16,645$15,366$14,180$13,081$12,063$11,490
9 years$14,646$13,379$12,213$11,142$10,159$9,609
10 years$13,047$11,793$10,648$9,604$8,656$8,129
11 years$11,740$10,499$9,374$8,359$7,444$6,941
12 years$10,652$9,423$8,319$7,332$6,451$5,970
13 years$9,732$8,516$7,433$6,473$5,626$5,167
14 years$8,943$7,741$6,678$5,746$4,931$4,494
15 years$8,261$7,071$6,030$5,124$4,342$3,926
16 years$7,665$6,488$5,467$4,588$3,837$3,442
17 years$7,139$5,975$4,975$4,123$3,402$3,027
18 years$6,672$5,521$4,541$3,715$3,025$2,669
19 years$6,255$5,117$4,157$3,357$2,697$2,359
20 years$5,880$4,755$3,815$3,040$2,409$2,089
21 years$5,541$4,429$3,509$2,759$2,155$1,853
22 years$5,233$4,134$3,234$2,509$1,932$1,647
23 years$4,953$3,867$2,986$2,285$1,734$1,465
24 years$4,696$3,623$2,762$2,084$1,559$1,305
25 years$4,460$3,400$2,558$1,903$1,403$1,164
26 years$4,243$3,195$2,372$1,740$1,264$1,039
27 years$4,042$3,007$2,203$1,593$1,139$928
28 years$3,856$2,834$2,048$1,459$1,028$829
29 years$3,683$2,673$1,906$1,338$928$742
30 years$3,522$2,525$1,775$1,228$839$664
31 years$3,371$2,387$1,655$1,128$758$594
32 years$3,230$2,258$1,544$1,037$686$532
33 years$3,098$2,139$1,442$953$621$477
34 years$2,974$2,027$1,347$877$562$428
35 years$2,858$1,922$1,259$807$509$384
36 years$2,748$1,825$1,178$744$461$344
37 years$2,644$1,733$1,103$685$418$309
38 years$2,546$1,647$1,033$632$379$277
39 years$2,453$1,566$968$582$344$249
40 years$2,365$1,490$907$537$312$223
41 years$2,282$1,418$850$496$283$200
42 years$2,203$1,351$798$457$257$180
43 years$2,127$1,287$748$422$233$162
44 years$2,055$1,227$703$390$211$145
45 years$1,987$1,170$660$360$192$131
46 years$1,922$1,116$620$333$174$117
47 years$1,860$1,065$582$307$158$105
48 years$1,800$1,017$547$284$144$95
49 years$1,743$971$514$262$130$85
50 years$1,689$927$483$242$119$77

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,730,000, adding $6,293 every year, while hoping to spend $58,115 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: 68/5/27 Blend
51$1,730,000$1,730,000$1,730,000$1,730,000
52$1,912,951$1,821,261$1,794,446$2,029,221
53$2,046,238$1,848,669$1,792,726$2,135,583
54$2,191,173$1,875,472$1,789,001$2,244,715
55$2,348,882$1,901,580$1,783,142$2,362,792
56$2,520,605$1,926,894$1,775,014$2,490,702
57$2,707,705$1,951,311$1,764,476$2,629,420
58$2,911,685$1,974,719$1,751,380$2,780,027
59$3,134,197$1,997,000$1,735,571$2,943,709
60$3,377,058$2,018,026$1,716,886$3,121,778
61$3,642,272$2,037,663$1,695,155$3,315,680
62$3,932,041$2,055,766$1,670,200$3,527,009
63$4,248,791$2,072,180$1,641,833$3,757,523
64$4,595,194$2,086,743$1,609,861$4,009,160
65$4,974,190$2,099,280$1,574,078$4,284,059
66$5,389,018$2,109,606$1,534,270$4,584,576
67$5,843,244$2,117,522$1,490,214$4,913,312
68$6,340,793$2,122,819$1,441,675$5,273,132
69$6,885,991$2,125,275$1,388,408$5,667,197
70$7,483,601$2,124,651$1,330,158$6,098,993
71$8,138,866$2,120,697$1,266,656$6,572,363
72$8,857,564$2,113,145$1,197,623$7,091,542
73$9,646,059$2,101,712$1,122,767$7,661,204
74$10,511,358$2,086,097$1,041,780$8,286,500
75$11,461,182$2,065,981$954,345$8,973,108
76$12,504,034$2,041,026$860,128$9,727,292
77$13,649,282$2,010,873$758,779$10,555,954
78$14,907,246$1,975,143$649,934$11,466,707
79$16,289,292$1,933,432$533,214$12,467,941
80$17,807,945$1,885,315$408,222$13,568,909
81$19,477,000$1,830,340$274,542$14,779,810
82$21,311,657$1,768,030$131,743$16,111,888
83$23,328,661$1,697,879$0$17,577,540
84$25,546,461$1,619,352$0$19,196,379
85$27,985,383$1,531,882$0$21,018,412
86$30,667,819$1,434,872$0$23,022,393
87$33,618,444$1,327,688$0$25,226,777
88$36,864,441$1,209,661$0$27,651,899
89$40,435,764$1,080,083$0$30,320,166
90$44,365,412$938,208$0$33,256,267
91$48,689,748$783,244$0$36,487,407
92$53,448,837$614,358$0$40,043,565
93$58,686,824$430,667$0$43,957,775
94$64,452,351$231,241$0$48,266,436
95$70,799,016$15,096$0$53,009,659
96$77,785,874$0$0$58,231,643
97$85,478,001$0$0$63,993,132
98$93,947,101$0$0$70,337,626
99$103,272,186$0$0$77,323,500
100$113,540,316$0$0$85,015,993