Can I retire at age 52 with 1,090,000?

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 $1,090,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.3%
1 years$90,011$89,209$88,427$87,664$86,918$86,082
2 years$44,560$43,730$42,926$42,146$41,390$40,547
3 years$29,412$28,578$27,776$27,003$26,259$25,437
4 years$21,839$21,008$20,214$19,454$18,728$17,932
5 years$17,296$16,470$15,687$14,943$14,237$13,470
6 years$14,269$13,449$12,677$11,950$11,265$10,527
7 years$12,108$11,295$10,535$9,825$9,162$8,454
8 years$10,487$9,682$8,934$8,242$7,600$6,922
9 years$9,228$8,430$7,695$7,020$6,401$5,752
10 years$8,220$7,430$6,709$6,051$5,454$4,835
11 years$7,397$6,615$5,906$5,267$4,690$4,100
12 years$6,711$5,937$5,242$4,619$4,065$3,502
13 years$6,131$5,365$4,683$4,078$3,544$3,010
14 years$5,635$4,877$4,208$3,620$3,107$2,599
15 years$5,205$4,455$3,799$3,229$2,736$2,254
16 years$4,829$4,088$3,444$2,891$2,418$1,961
17 years$4,498$3,765$3,134$2,597$2,144$1,712
18 years$4,204$3,479$2,861$2,341$1,906$1,498
19 years$3,941$3,224$2,619$2,115$1,699$1,313
20 years$3,705$2,996$2,404$1,916$1,518$1,154
21 years$3,491$2,790$2,211$1,739$1,358$1,015
22 years$3,297$2,605$2,038$1,581$1,217$895
23 years$3,121$2,436$1,882$1,440$1,093$789
24 years$2,959$2,283$1,740$1,313$982$697
25 years$2,810$2,142$1,612$1,199$884$616
26 years$2,673$2,013$1,495$1,096$796$545
27 years$2,547$1,895$1,388$1,004$718$483
28 years$2,429$1,785$1,290$919$648$428
29 years$2,320$1,684$1,201$843$585$379
30 years$2,219$1,591$1,119$774$528$337
31 years$2,124$1,504$1,043$711$478$299
32 years$2,035$1,423$973$653$432$265
33 years$1,952$1,347$908$601$391$235
34 years$1,874$1,277$849$553$354$209
35 years$1,800$1,211$794$509$321$186
36 years$1,731$1,150$742$469$291$165
37 years$1,666$1,092$695$432$263$147
38 years$1,604$1,038$651$398$239$131
39 years$1,546$987$610$367$217$116
40 years$1,490$939$571$338$196$103
41 years$1,438$894$536$312$178$92
42 years$1,388$851$503$288$162$82
43 years$1,340$811$472$266$147$73
44 years$1,295$773$443$246$133$65
45 years$1,252$737$416$227$121$58
46 years$1,211$703$390$210$110$51
47 years$1,172$671$367$194$100$46
48 years$1,134$641$345$179$91$41
49 years$1,098$612$324$165$82$36
50 years$1,064$584$305$153$75$32

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,090,000, adding $3,718 every year, while hoping to spend $37,930 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: 85/6/9 Blend
51$1,090,000$1,090,000$1,090,000$1,090,000
52$1,205,015$1,147,245$1,130,350$1,305,729
53$1,287,569$1,163,103$1,127,860$1,387,919
54$1,377,273$1,178,466$1,124,014$1,472,672
55$1,474,815$1,193,272$1,118,729$1,564,601
56$1,580,954$1,207,449$1,111,914$1,664,405
57$1,696,524$1,220,927$1,103,476$1,772,852
58$1,822,442$1,233,626$1,093,315$1,890,787
59$1,959,720$1,245,462$1,081,330$2,019,143
60$2,109,469$1,256,347$1,067,412$2,158,945
61$2,272,913$1,266,186$1,051,449$2,311,324
62$2,451,399$1,274,878$1,033,321$2,477,524
63$2,646,410$1,282,315$1,012,905$2,658,915
64$2,859,578$1,288,383$990,072$2,857,009
65$3,092,702$1,292,961$964,686$3,073,468
66$3,347,760$1,295,918$936,606$3,310,126
67$3,626,931$1,297,118$905,682$3,569,001
68$3,932,615$1,296,414$871,759$3,852,317
69$4,267,454$1,293,651$834,676$4,162,526
70$4,634,360$1,288,665$794,262$4,502,327
71$5,036,535$1,281,280$750,341$4,874,694
72$5,477,511$1,271,312$702,727$5,282,906
73$5,961,175$1,258,564$651,226$5,730,574
74$6,491,809$1,242,828$595,636$6,221,676
75$7,074,129$1,223,882$535,746$6,760,598
76$7,713,331$1,201,493$471,334$7,352,171
77$8,415,137$1,175,412$402,169$8,001,718
78$9,185,851$1,145,377$328,012$8,715,106
79$10,032,417$1,111,111$248,610$9,498,798
80$10,962,486$1,072,318$163,701$10,359,918
81$11,984,485$1,028,687$73,011$11,306,315
82$13,107,699$979,888$0$12,346,639
83$14,342,355$925,574$0$13,492,703
84$15,699,723$865,375$0$14,760,360
85$17,192,218$798,901$0$16,154,194
86$18,833,517$725,741$0$17,686,993
87$20,638,692$645,457$0$19,372,846
88$22,624,345$557,591$0$21,227,276
89$24,808,770$461,656$0$23,267,387
90$27,212,125$357,137$0$25,512,030
91$29,856,616$243,491$0$27,981,971
92$32,766,715$120,146$0$30,700,095
93$35,969,383$0$0$33,691,620
94$39,494,327$0$0$36,985,225
95$43,374,281$0$0$40,619,291
96$47,645,315$0$0$44,619,672
97$52,347,169$0$0$49,023,594
98$57,523,637$0$0$53,872,077
99$63,222,972$0$0$59,210,319
100$69,498,345$0$0$65,088,125