Can I retire at age 52 with 1,490,000?

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 $1,490,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.9%
1 years$123,043$121,947$120,878$119,834$118,815$115,474
2 years$60,912$59,778$58,678$57,612$56,578$53,238
3 years$40,205$39,065$37,969$36,913$35,896$32,661
4 years$29,853$28,717$27,632$26,594$25,601$22,496
5 years$23,644$22,515$21,443$20,426$19,462$16,495
6 years$19,505$18,385$17,329$16,335$15,399$12,574
7 years$16,551$15,440$14,401$13,430$12,524$9,840
8 years$14,336$13,235$12,213$11,266$10,390$7,845
9 years$12,614$11,523$10,519$9,596$8,750$6,342
10 years$11,237$10,157$9,171$8,272$7,455$5,182
11 years$10,111$9,042$8,074$7,199$6,412$4,269
12 years$9,174$8,116$7,165$6,315$5,556$3,540
13 years$8,381$7,334$6,402$5,575$4,845$2,951
14 years$7,703$6,667$5,752$4,949$4,247$2,470
15 years$7,115$6,090$5,193$4,413$3,740$2,075
16 years$6,601$5,588$4,708$3,952$3,305$1,748
17 years$6,148$5,146$4,284$3,551$2,930$1,476
18 years$5,746$4,755$3,911$3,200$2,606$1,249
19 years$5,387$4,407$3,580$2,891$2,322$1,059
20 years$5,064$4,095$3,286$2,619$2,074$899
21 years$4,772$3,815$3,022$2,377$1,856$764
22 years$4,507$3,561$2,786$2,161$1,664$650
23 years$4,266$3,330$2,572$1,968$1,494$553
24 years$4,045$3,120$2,379$1,795$1,343$471
25 years$3,841$2,928$2,203$1,639$1,208$402
26 years$3,654$2,752$2,043$1,499$1,088$343
27 years$3,481$2,590$1,897$1,372$981$292
28 years$3,321$2,441$1,764$1,257$885$250
29 years$3,172$2,302$1,641$1,153$799$213
30 years$3,033$2,174$1,529$1,058$722$182
31 years$2,903$2,055$1,425$972$653$155
32 years$2,782$1,945$1,330$893$591$133
33 years$2,668$1,842$1,242$821$535$114
34 years$2,562$1,746$1,160$755$484$97
35 years$2,461$1,656$1,085$695$438$83
36 years$2,366$1,572$1,015$640$397$71
37 years$2,277$1,493$950$590$360$61
38 years$2,193$1,418$889$544$326$52
39 years$2,113$1,349$833$502$296$44
40 years$2,037$1,283$781$463$268$38
41 years$1,965$1,222$732$427$244$32
42 years$1,897$1,163$687$394$221$28
43 years$1,832$1,108$645$364$201$24
44 years$1,770$1,057$605$336$182$20
45 years$1,711$1,008$568$310$165$17
46 years$1,655$961$534$286$150$15
47 years$1,602$917$501$265$136$13
48 years$1,551$876$471$244$124$11
49 years$1,502$836$443$226$112$9
50 years$1,455$799$416$209$102$8

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,490,000, adding $6,572 every year, while hoping to spend $50,948 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: 75/19/6 Blend
51$1,490,000$1,490,000$1,490,000$1,490,000
52$1,648,759$1,569,789$1,546,694$1,770,889
53$1,762,724$1,592,500$1,544,300$1,874,815
54$1,886,606$1,614,617$1,540,118$1,981,503
55$2,021,363$1,636,056$1,534,035$2,096,929
56$2,168,048$1,656,729$1,525,931$2,221,942
57$2,327,821$1,676,541$1,515,682$2,357,472
58$2,501,957$1,695,390$1,503,156$2,504,546
59$2,691,862$1,713,169$1,488,216$2,664,294
60$2,899,080$1,729,762$1,470,720$2,837,962
61$3,125,312$1,745,047$1,450,515$3,026,923
62$3,372,432$1,758,892$1,427,446$3,232,689
63$3,642,501$1,771,159$1,401,346$3,456,926
64$3,937,788$1,781,698$1,372,043$3,701,468
65$4,260,793$1,790,351$1,339,357$3,968,341
66$4,614,267$1,796,951$1,303,098$4,259,771
67$5,001,239$1,801,319$1,263,070$4,578,217
68$5,425,047$1,803,266$1,219,064$4,926,385
69$5,889,364$1,802,588$1,170,865$5,307,258
70$6,398,237$1,799,073$1,118,247$5,724,124
71$6,956,122$1,792,492$1,060,973$6,180,607
72$7,567,927$1,782,604$998,796$6,680,700
73$8,239,058$1,769,154$931,458$7,228,804
74$8,975,469$1,751,870$858,689$7,829,769
75$9,783,719$1,730,464$780,207$8,488,942
76$10,671,033$1,704,631$695,718$9,212,215
77$11,645,367$1,674,047$604,913$10,006,082
78$12,715,489$1,638,369$507,473$10,877,700
79$13,891,056$1,597,236$403,060$11,834,959
80$15,182,706$1,550,263$291,325$12,886,553
81$16,602,159$1,497,044$171,902$14,042,065
82$18,162,328$1,437,147$44,408$15,312,058
83$19,877,436$1,370,118$0$16,708,172
84$21,763,155$1,295,475$0$18,249,108
85$23,836,752$1,212,708$0$19,946,555
86$26,117,249$1,121,279$0$21,813,282
87$28,625,605$1,020,618$0$23,866,498
88$31,384,912$910,123$0$26,125,169
89$34,420,612$789,158$0$28,610,196
90$37,760,738$657,051$0$31,344,614
91$41,436,178$513,091$0$34,353,811
92$45,480,963$356,528$0$37,665,765
93$49,932,593$186,569$0$41,311,311
94$54,832,386$2,379$0$45,324,431
95$60,225,867$0$0$49,742,577
96$66,163,201$0$0$54,648,196
97$72,699,664$0$0$60,049,459
98$79,896,163$0$0$65,996,205
99$87,819,809$0$0$72,543,903
100$96,544,557$0$0$79,753,673