Can I retire at age 52 with 1,760,000?

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 $1,760,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.4%
1 years$145,339$144,045$142,781$141,549$140,345$138,937
2 years$71,950$70,610$69,311$68,052$66,831$65,413
3 years$47,490$46,144$44,849$43,602$42,400$41,016
4 years$35,263$33,921$32,639$31,413$30,240$28,901
5 years$27,928$26,595$25,329$24,128$22,988$21,697
6 years$23,040$21,716$20,470$19,295$18,190$16,949
7 years$19,550$18,237$17,010$15,864$14,793$13,603
8 years$16,933$15,633$14,426$13,308$12,272$11,132
9 years$14,900$13,611$12,425$11,335$10,335$9,245
10 years$13,273$11,998$10,833$9,771$8,806$7,765
11 years$11,944$10,681$9,537$8,504$7,573$6,581
12 years$10,836$9,586$8,464$7,459$6,563$5,619
13 years$9,900$8,663$7,562$6,585$5,723$4,825
14 years$9,099$7,875$6,794$5,846$5,017$4,164
15 years$8,404$7,194$6,134$5,213$4,417$3,609
16 years$7,797$6,600$5,562$4,668$3,904$3,138
17 years$7,263$6,078$5,061$4,194$3,461$2,737
18 years$6,788$5,617$4,620$3,780$3,078$2,393
19 years$6,363$5,206$4,229$3,415$2,743$2,097
20 years$5,982$4,837$3,881$3,093$2,450$1,841
21 years$5,637$4,506$3,570$2,807$2,193$1,619
22 years$5,324$4,206$3,290$2,552$1,966$1,425
23 years$5,039$3,934$3,038$2,325$1,764$1,257
24 years$4,777$3,686$2,810$2,120$1,586$1,109
25 years$4,538$3,459$2,602$1,936$1,427$980
26 years$4,316$3,251$2,414$1,770$1,285$866
27 years$4,112$3,059$2,241$1,620$1,159$766
28 years$3,923$2,883$2,084$1,485$1,046$679
29 years$3,747$2,720$1,939$1,361$944$601
30 years$3,583$2,568$1,806$1,250$853$533
31 years$3,429$2,428$1,684$1,148$771$472
32 years$3,286$2,297$1,571$1,055$698$419
33 years$3,152$2,176$1,467$970$631$372
34 years$3,026$2,062$1,370$892$572$330
35 years$2,907$1,956$1,281$821$518$293
36 years$2,795$1,856$1,199$757$469$260
37 years$2,690$1,763$1,122$697$425$231
38 years$2,590$1,676$1,051$642$386$205
39 years$2,496$1,593$984$592$350$182
40 years$2,406$1,516$923$546$317$162
41 years$2,321$1,443$865$504$288$144
42 years$2,241$1,374$811$465$261$128
43 years$2,164$1,309$761$429$237$114
44 years$2,091$1,248$715$397$215$101
45 years$2,022$1,190$671$366$195$90
46 years$1,955$1,135$630$338$177$80
47 years$1,892$1,083$592$313$161$71
48 years$1,832$1,034$557$289$146$63
49 years$1,774$988$523$267$133$56
50 years$1,718$944$492$247$121$50

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,760,000, adding $4,359 every year, while hoping to spend $59,649 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: 80/10/10 Blend
51$1,760,000$1,760,000$1,760,000$1,760,000
52$1,944,016$1,850,736$1,823,456$2,096,037
53$2,078,840$1,877,956$1,821,076$2,223,614
54$2,225,416$1,904,511$1,816,617$2,355,340
55$2,384,881$1,930,305$1,809,946$2,498,126
56$2,558,485$1,955,235$1,800,925$2,653,048
57$2,747,602$1,979,193$1,789,407$2,821,294
58$2,953,745$2,002,061$1,775,240$3,004,168
59$3,178,581$2,023,716$1,758,264$3,203,110
60$3,423,941$2,044,024$1,738,312$3,419,704
61$3,691,845$2,062,842$1,715,207$3,655,698
62$3,984,513$2,080,021$1,688,766$3,913,013
63$4,304,390$2,095,399$1,658,796$4,193,770
64$4,654,168$2,108,804$1,625,096$4,500,302
65$5,036,811$2,120,054$1,587,455$4,835,184
66$5,455,584$2,128,954$1,545,653$5,201,248
67$5,914,080$2,135,299$1,499,459$5,601,618
68$6,416,256$2,138,868$1,448,630$6,039,734
69$6,966,470$2,139,429$1,392,916$6,519,390
70$7,569,523$2,136,734$1,332,051$7,044,764
71$8,230,700$2,130,520$1,265,761$7,620,458
72$8,955,823$2,120,507$1,193,755$8,251,549
73$9,751,305$2,106,400$1,115,734$8,943,626
74$10,624,209$2,087,884$1,031,382$9,702,852
75$11,582,314$2,064,627$940,369$10,536,016
76$12,634,191$2,036,274$842,352$11,450,602
77$13,789,279$2,002,453$736,972$12,454,856
78$15,057,978$1,962,765$623,853$13,557,865
79$16,451,744$1,916,793$502,604$14,769,645
80$17,983,196$1,864,089$372,815$16,101,233
81$19,666,237$1,804,185$234,060$17,564,793
82$21,516,184$1,736,581$85,892$19,173,730
83$23,549,912$1,660,751$0$20,942,817
84$25,786,011$1,576,135$0$22,896,043
85$28,244,963$1,482,145$0$25,053,925
86$30,949,335$1,378,155$0$27,427,118
87$33,923,989$1,263,507$0$30,037,471
88$37,196,319$1,137,502$0$32,909,062
89$40,796,508$999,404$0$36,068,422
90$44,757,810$848,433$0$39,544,787
91$49,116,867$683,767$0$43,370,373
92$53,914,051$504,535$0$47,580,681
93$59,193,847$309,820$0$52,214,833
94$65,005,269$98,651$0$57,315,938
95$71,402,327$0$0$62,931,503
96$78,444,530$0$0$69,128,183
97$86,197,451$0$0$75,962,260
98$94,733,345$0$0$83,486,578
99$104,131,829$0$0$91,771,325
100$114,480,631$0$0$100,893,844