Can I retire at age 52 with 1,780,000?

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 $1,780,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.3%
1 years$146,991$145,681$144,404$143,157$141,940$137,727
2 years$72,768$71,412$70,099$68,826$67,590$63,381
3 years$48,030$46,669$45,359$44,097$42,882$38,808
4 years$35,663$34,307$33,010$31,770$30,584$26,676
5 years$28,246$26,897$25,617$24,402$23,249$19,519
6 years$23,302$21,963$20,702$19,515$18,396$14,846
7 years$19,772$18,445$17,204$16,044$14,961$11,592
8 years$17,126$15,810$14,590$13,459$12,412$9,220
9 years$15,069$13,766$12,566$11,464$10,453$7,436
10 years$13,424$12,134$10,956$9,882$8,906$6,060
11 years$12,079$10,802$9,645$8,600$7,660$4,980
12 years$10,960$9,695$8,560$7,544$6,638$4,118
13 years$10,013$8,762$7,648$6,660$5,788$3,424
14 years$9,202$7,964$6,871$5,912$5,074$2,858
15 years$8,500$7,275$6,204$5,272$4,467$2,394
16 years$7,886$6,675$5,625$4,721$3,948$2,011
17 years$7,345$6,148$5,118$4,242$3,501$1,694
18 years$6,865$5,681$4,672$3,823$3,113$1,429
19 years$6,436$5,265$4,277$3,454$2,774$1,207
20 years$6,050$4,892$3,926$3,128$2,478$1,022
21 years$5,701$4,557$3,611$2,839$2,218$866
22 years$5,384$4,254$3,328$2,581$1,988$734
23 years$5,096$3,978$3,073$2,351$1,784$623
24 years$4,832$3,728$2,842$2,144$1,604$529
25 years$4,589$3,498$2,632$1,958$1,443$450
26 years$4,366$3,288$2,441$1,790$1,300$382
27 years$4,159$3,094$2,267$1,639$1,172$325
28 years$3,967$2,916$2,107$1,502$1,058$277
29 years$3,789$2,750$1,961$1,377$955$235
30 years$3,623$2,598$1,827$1,264$863$200
31 years$3,468$2,456$1,703$1,161$780$171
32 years$3,324$2,323$1,589$1,067$706$145
33 years$3,188$2,200$1,483$981$639$124
34 years$3,060$2,085$1,386$902$578$105
35 years$2,940$1,978$1,296$831$524$90
36 years$2,827$1,877$1,212$765$475$77
37 years$2,720$1,783$1,135$705$430$65
38 years$2,619$1,695$1,063$650$390$56
39 years$2,524$1,611$995$599$354$47
40 years$2,434$1,533$933$553$321$40
41 years$2,348$1,459$875$510$291$34
42 years$2,266$1,390$821$471$264$29
43 years$2,189$1,324$770$434$240$25
44 years$2,115$1,262$723$401$217$21
45 years$2,045$1,204$679$370$197$18
46 years$1,978$1,148$638$342$179$15
47 years$1,914$1,096$599$316$163$13
48 years$1,852$1,046$563$292$148$11
49 years$1,794$999$529$270$134$10
50 years$1,738$954$497$250$122$8

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,780,000, adding $4,929 every year, while hoping to spend $58,775 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: 52/36/12 Blend
51$1,780,000$1,780,000$1,780,000$1,780,000
52$1,966,644$1,872,304$1,844,714$2,062,424
53$2,104,706$1,901,511$1,843,976$2,157,529
54$2,254,880$1,930,179$1,841,243$2,254,219
55$2,418,340$1,958,220$1,836,387$2,358,027
56$2,596,376$1,985,539$1,829,272$2,469,640
57$2,790,411$2,012,034$1,819,757$2,589,816
58$3,002,007$2,037,598$1,807,693$2,719,393
59$3,232,885$2,062,114$1,792,924$2,859,294
60$3,484,940$2,085,458$1,775,288$3,010,538
61$3,760,258$2,107,499$1,754,613$3,174,248
62$4,061,133$2,128,096$1,730,722$3,351,665
63$4,390,093$2,147,097$1,703,426$3,544,158
64$4,749,921$2,164,343$1,672,529$3,753,235
65$5,143,681$2,179,664$1,637,826$3,980,564
66$5,574,746$2,192,877$1,599,103$4,227,982
67$6,046,831$2,203,789$1,556,135$4,497,518
68$6,564,029$2,212,196$1,508,686$4,791,410
69$7,130,843$2,217,877$1,456,511$5,112,127
70$7,752,238$2,220,601$1,399,352$5,462,392
71$8,433,677$2,220,122$1,336,941$5,845,212
72$9,181,180$2,216,176$1,268,997$6,263,902
73$10,001,377$2,208,485$1,195,225$6,722,120
74$10,901,572$2,196,756$1,115,319$7,223,902
75$11,889,808$2,180,672$1,028,959$7,773,699
76$12,974,948$2,159,904$935,807$8,376,422
77$14,166,751$2,134,098$835,515$9,037,490
78$15,475,971$2,102,880$727,717$9,762,877
79$16,914,455$2,065,856$612,030$10,559,176
80$18,495,252$2,022,606$488,055$11,433,657
81$20,232,739$1,972,685$355,377$12,394,339
82$22,142,755$1,915,623$213,559$13,450,069
83$24,242,751$1,850,923$62,148$14,610,601
84$26,551,951$1,778,059$0$15,886,695
85$29,091,538$1,696,471$0$17,302,949
86$31,884,848$1,605,572$0$18,869,038
87$34,957,594$1,504,736$0$20,591,495
88$38,338,106$1,393,305$0$22,486,304
89$42,057,597$1,270,582$0$24,571,088
90$46,150,460$1,135,828$0$26,865,277
91$50,654,589$988,266$0$29,390,292
92$55,611,738$827,072$0$32,169,747
93$61,067,913$651,376$0$35,229,678
94$67,073,806$460,260$0$38,598,787
95$73,685,276$252,754$0$42,308,714
96$80,963,868$27,833$0$46,394,342
97$88,977,402$0$0$50,894,125
98$97,800,606$0$0$55,935,855
99$107,515,823$0$0$61,499,667
100$118,213,788$0$0$67,626,527