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%11.3%
1 years$90,011$89,209$88,427$87,664$86,918$86,443
2 years$44,560$43,730$42,926$42,146$41,390$40,910
3 years$29,412$28,578$27,776$27,003$26,259$25,790
4 years$21,839$21,008$20,214$19,454$18,728$18,273
5 years$17,296$16,470$15,687$14,943$14,237$13,798
6 years$14,269$13,449$12,677$11,950$11,265$10,842
7 years$12,108$11,295$10,535$9,825$9,162$8,755
8 years$10,487$9,682$8,934$8,242$7,600$7,210
9 years$9,228$8,430$7,695$7,020$6,401$6,026
10 years$8,220$7,430$6,709$6,051$5,454$5,095
11 years$7,397$6,615$5,906$5,267$4,690$4,348
12 years$6,711$5,937$5,242$4,619$4,065$3,737
13 years$6,131$5,365$4,683$4,078$3,544$3,232
14 years$5,635$4,877$4,208$3,620$3,107$2,810
15 years$5,205$4,455$3,799$3,229$2,736$2,453
16 years$4,829$4,088$3,444$2,891$2,418$2,149
17 years$4,498$3,765$3,134$2,597$2,144$1,889
18 years$4,204$3,479$2,861$2,341$1,906$1,664
19 years$3,941$3,224$2,619$2,115$1,699$1,470
20 years$3,705$2,996$2,404$1,916$1,518$1,301
21 years$3,491$2,790$2,211$1,739$1,358$1,153
22 years$3,297$2,605$2,038$1,581$1,217$1,024
23 years$3,121$2,436$1,882$1,440$1,093$910
24 years$2,959$2,283$1,740$1,313$982$810
25 years$2,810$2,142$1,612$1,199$884$722
26 years$2,673$2,013$1,495$1,096$796$644
27 years$2,547$1,895$1,388$1,004$718$574
28 years$2,429$1,785$1,290$919$648$513
29 years$2,320$1,684$1,201$843$585$459
30 years$2,219$1,591$1,119$774$528$410
31 years$2,124$1,504$1,043$711$478$367
32 years$2,035$1,423$973$653$432$328
33 years$1,952$1,347$908$601$391$294
34 years$1,874$1,277$849$553$354$263
35 years$1,800$1,211$794$509$321$236
36 years$1,731$1,150$742$469$291$211
37 years$1,666$1,092$695$432$263$190
38 years$1,604$1,038$651$398$239$170
39 years$1,546$987$610$367$217$152
40 years$1,490$939$571$338$196$137
41 years$1,438$894$536$312$178$123
42 years$1,388$851$503$288$162$110
43 years$1,340$811$472$266$147$99
44 years$1,295$773$443$246$133$89
45 years$1,252$737$416$227$121$80
46 years$1,211$703$390$210$110$71
47 years$1,172$671$367$194$100$64
48 years$1,134$641$345$179$91$58
49 years$1,098$612$324$165$82$52
50 years$1,064$584$305$153$75$46

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 $3,593 every year, while hoping to spend $25,676 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: 49/36/15 Blend
51$1,090,000$1,090,000$1,090,000$1,090,000
52$1,204,886$1,147,116$1,130,221$1,258,755
53$1,300,466$1,176,006$1,140,765$1,325,164
54$1,404,933$1,205,450$1,150,801$1,394,312
55$1,519,169$1,235,450$1,160,285$1,468,861
56$1,644,142$1,266,004$1,169,172$1,549,326
57$1,780,917$1,297,111$1,177,412$1,636,276
58$1,930,669$1,328,768$1,184,953$1,730,333
59$2,094,690$1,360,971$1,191,743$1,832,189
60$2,274,406$1,393,716$1,197,723$1,942,599
61$2,471,383$1,426,996$1,202,835$2,062,401
62$2,687,349$1,460,804$1,207,015$2,192,514
63$2,924,206$1,495,130$1,210,197$2,333,951
64$3,184,049$1,529,965$1,212,312$2,487,829
65$3,469,185$1,565,297$1,213,288$2,655,379
66$3,782,157$1,601,111$1,213,048$2,837,956
67$4,125,764$1,637,393$1,211,512$3,037,053
68$4,503,090$1,674,124$1,208,596$3,254,317
69$4,917,533$1,711,284$1,204,212$3,491,562
70$5,372,837$1,748,851$1,198,268$3,750,784
71$5,873,123$1,786,802$1,190,667$4,034,188
72$6,422,934$1,825,108$1,181,307$4,344,199
73$7,027,275$1,863,740$1,170,082$4,683,493
74$7,691,658$1,902,664$1,156,882$5,055,016
75$8,422,158$1,941,846$1,141,588$5,462,017
76$9,225,467$1,981,245$1,124,079$5,908,075
77$10,108,956$2,020,818$1,104,228$6,397,136
78$11,080,750$2,060,518$1,081,901$6,933,549
79$12,149,799$2,100,296$1,056,956$7,522,104
80$13,325,963$2,140,095$1,029,249$8,168,083
81$14,620,108$2,179,856$998,625$8,877,308
82$16,044,205$2,219,515$964,925$9,656,193
83$17,611,444$2,259,001$927,980$10,511,809
84$19,336,360$2,298,241$887,616$11,451,948
85$21,234,966$2,337,152$843,649$12,485,200
86$23,324,909$2,375,649$795,887$13,621,029
87$25,625,631$2,413,637$744,131$14,869,869
88$28,158,556$2,451,016$688,170$16,243,219
89$30,947,292$2,487,679$627,787$17,753,750
90$34,017,850$2,523,510$562,753$19,415,430
91$37,398,895$2,558,386$492,829$21,243,654
92$41,122,009$2,592,174$417,766$23,255,388
93$45,221,997$2,624,734$337,304$25,469,331
94$49,737,208$2,655,913$251,171$27,906,092
95$54,709,902$2,685,551$159,083$30,588,387
96$60,186,644$2,713,475$60,745$33,541,249
97$66,218,749$2,739,503$0$36,792,269
98$72,862,760$2,763,437$0$40,378,931
99$80,180,985$2,785,069$0$44,338,509
100$88,242,086$2,804,178$0$48,698,263