Can I retire at age 52 with 1,770,000?

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 $1,770,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.8%
1 years$146,165$144,863$143,593$142,353$141,142$140,077
2 years$72,359$71,011$69,705$68,439$67,211$66,136
3 years$47,760$46,407$45,104$43,849$42,641$41,591
4 years$35,463$34,114$32,824$31,591$30,412$29,395
5 years$28,087$26,746$25,473$24,265$23,119$22,137
6 years$23,171$21,840$20,586$19,405$18,293$17,348
7 years$19,661$18,341$17,107$15,954$14,877$13,970
8 years$17,030$15,722$14,508$13,383$12,342$11,472
9 years$14,984$13,689$12,496$11,400$10,394$9,561
10 years$13,349$12,066$10,894$9,827$8,856$8,060
11 years$12,012$10,741$9,591$8,552$7,616$6,856
12 years$10,898$9,641$8,512$7,501$6,600$5,875
13 years$9,957$8,713$7,605$6,623$5,756$5,065
14 years$9,150$7,920$6,833$5,879$5,045$4,389
15 years$8,452$7,235$6,169$5,243$4,442$3,818
16 years$7,842$6,638$5,593$4,694$3,926$3,334
17 years$7,304$6,113$5,090$4,218$3,481$2,920
18 years$6,826$5,649$4,646$3,801$3,095$2,564
19 years$6,399$5,235$4,253$3,435$2,759$2,256
20 years$6,016$4,865$3,904$3,111$2,464$1,990
21 years$5,669$4,531$3,590$2,823$2,205$1,757
22 years$5,354$4,230$3,309$2,567$1,977$1,554
23 years$5,067$3,956$3,055$2,338$1,774$1,377
24 years$4,805$3,707$2,826$2,132$1,595$1,221
25 years$4,563$3,478$2,617$1,947$1,435$1,083
26 years$4,341$3,269$2,427$1,780$1,293$962
27 years$4,135$3,077$2,254$1,630$1,166$856
28 years$3,945$2,899$2,095$1,493$1,052$761
29 years$3,768$2,735$1,950$1,369$950$677
30 years$3,603$2,583$1,816$1,257$858$603
31 years$3,449$2,442$1,693$1,154$776$538
32 years$3,305$2,310$1,580$1,061$702$479
33 years$3,170$2,188$1,475$975$635$427
34 years$3,043$2,074$1,378$897$575$381
35 years$2,924$1,967$1,289$826$521$340
36 years$2,811$1,867$1,205$761$472$304
37 years$2,705$1,773$1,128$701$428$271
38 years$2,605$1,685$1,057$646$388$242
39 years$2,510$1,602$990$596$352$216
40 years$2,420$1,524$928$550$319$193
41 years$2,335$1,451$870$507$289$172
42 years$2,253$1,382$816$468$263$154
43 years$2,176$1,317$766$432$238$138
44 years$2,103$1,255$719$399$216$123
45 years$2,033$1,197$675$368$196$110
46 years$1,966$1,142$634$340$178$98
47 years$1,903$1,090$596$314$162$88
48 years$1,842$1,040$560$290$147$79
49 years$1,784$993$526$268$134$70
50 years$1,728$949$495$248$121$63

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,770,000, adding $3,817 every year, while hoping to spend $52,264 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: 77/18/5 Blend
51$1,770,000$1,770,000$1,770,000$1,770,000
52$1,954,477$1,860,667$1,833,232$2,104,165
53$2,098,225$1,896,231$1,839,037$2,238,458
54$2,254,884$1,931,787$1,843,285$2,378,478
55$2,425,715$1,967,277$1,845,868$2,530,431
56$2,612,108$2,002,643$1,846,673$2,695,478
57$2,815,589$2,037,819$1,845,584$2,874,897
58$3,037,843$2,072,736$1,842,475$3,070,097
59$3,280,722$2,107,318$1,837,216$3,282,629
60$3,546,263$2,141,485$1,829,671$3,514,201
61$3,836,714$2,175,150$1,819,697$3,766,696
62$4,154,546$2,208,219$1,807,143$4,042,184
63$4,502,481$2,240,594$1,791,854$4,342,950
64$4,883,517$2,272,165$1,773,664$4,671,508
65$5,300,955$2,302,820$1,752,401$5,030,629
66$5,758,429$2,332,436$1,727,883$5,423,366
67$6,259,945$2,360,881$1,699,923$5,853,082
68$6,809,911$2,388,016$1,668,323$6,323,482
69$7,413,185$2,413,692$1,632,874$6,838,648
70$8,075,115$2,437,748$1,593,361$7,403,079
71$8,801,594$2,460,015$1,549,556$8,021,731
72$9,599,114$2,480,312$1,501,223$8,700,065
73$10,474,822$2,498,446$1,448,112$9,444,100
74$11,436,595$2,514,212$1,389,966$10,260,465
75$12,493,110$2,527,390$1,326,511$11,156,468
76$13,653,923$2,537,749$1,257,466$12,140,161
77$14,929,565$2,545,040$1,182,533$13,220,417
78$16,331,635$2,549,001$1,101,402$14,407,014
79$17,872,913$2,549,353$1,013,749$15,710,725
80$19,567,477$2,545,799$919,237$17,143,425
81$21,430,840$2,538,023$817,512$18,718,199
82$23,480,092$2,525,693$708,205$20,449,466
83$25,734,062$2,508,452$590,930$22,353,117
84$28,213,495$2,485,925$465,285$24,446,665
85$30,941,249$2,457,713$330,850$26,749,407
86$33,942,508$2,423,392$187,185$29,282,612
87$37,245,021$2,382,516$33,833$32,069,717
88$40,879,363$2,334,608$0$35,136,553
89$44,879,220$2,279,166$0$38,518,511
90$49,281,713$2,215,658$0$42,242,411
91$54,127,742$2,143,520$0$46,341,045
92$59,462,374$2,062,154$0$50,852,543
93$65,335,267$1,970,930$0$55,818,921
94$71,801,138$1,869,180$0$61,286,485
95$78,920,281$1,756,196$0$67,306,263
96$86,759,132$1,631,233$0$73,934,487
97$95,390,899$1,493,499$0$81,233,128
98$104,896,250$1,342,159$0$89,270,479
99$115,364,074$1,176,332$0$98,121,799
100$126,892,321$995,084$0$107,870,027