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%15.1%
1 years$123,043$121,947$120,878$119,834$118,815$116,321
2 years$60,912$59,778$58,678$57,612$56,578$54,077
3 years$40,205$39,065$37,969$36,913$35,896$33,466
4 years$29,853$28,717$27,632$26,594$25,601$23,261
5 years$23,644$22,515$21,443$20,426$19,462$17,218
6 years$19,505$18,385$17,329$16,335$15,399$13,255
7 years$16,551$15,440$14,401$13,430$12,524$10,478
8 years$14,336$13,235$12,213$11,266$10,390$8,443
9 years$12,614$11,523$10,519$9,596$8,750$6,900
10 years$11,237$10,157$9,171$8,272$7,455$5,701
11 years$10,111$9,042$8,074$7,199$6,412$4,751
12 years$9,174$8,116$7,165$6,315$5,556$3,986
13 years$8,381$7,334$6,402$5,575$4,845$3,363
14 years$7,703$6,667$5,752$4,949$4,247$2,850
15 years$7,115$6,090$5,193$4,413$3,740$2,425
16 years$6,601$5,588$4,708$3,952$3,305$2,069
17 years$6,148$5,146$4,284$3,551$2,930$1,770
18 years$5,746$4,755$3,911$3,200$2,606$1,518
19 years$5,387$4,407$3,580$2,891$2,322$1,304
20 years$5,064$4,095$3,286$2,619$2,074$1,122
21 years$4,772$3,815$3,022$2,377$1,856$967
22 years$4,507$3,561$2,786$2,161$1,664$834
23 years$4,266$3,330$2,572$1,968$1,494$720
24 years$4,045$3,120$2,379$1,795$1,343$622
25 years$3,841$2,928$2,203$1,639$1,208$538
26 years$3,654$2,752$2,043$1,499$1,088$466
27 years$3,481$2,590$1,897$1,372$981$403
28 years$3,321$2,441$1,764$1,257$885$349
29 years$3,172$2,302$1,641$1,153$799$303
30 years$3,033$2,174$1,529$1,058$722$262
31 years$2,903$2,055$1,425$972$653$227
32 years$2,782$1,945$1,330$893$591$197
33 years$2,668$1,842$1,242$821$535$171
34 years$2,562$1,746$1,160$755$484$149
35 years$2,461$1,656$1,085$695$438$129
36 years$2,366$1,572$1,015$640$397$112
37 years$2,277$1,493$950$590$360$97
38 years$2,193$1,418$889$544$326$84
39 years$2,113$1,349$833$502$296$73
40 years$2,037$1,283$781$463$268$64
41 years$1,965$1,222$732$427$244$55
42 years$1,897$1,163$687$394$221$48
43 years$1,832$1,108$645$364$201$42
44 years$1,770$1,057$605$336$182$36
45 years$1,711$1,008$568$310$165$31
46 years$1,655$961$534$286$150$27
47 years$1,602$917$501$265$136$24
48 years$1,551$876$471$244$124$21
49 years$1,502$836$443$226$112$18
50 years$1,455$799$416$209$102$16

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 $2,480 every year, while hoping to spend $41,860 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: 28/43/29 Blend
51$1,490,000$1,490,000$1,490,000$1,490,000
52$1,644,538$1,565,568$1,542,473$1,675,770
53$1,767,742$1,597,742$1,549,607$1,733,232
54$1,902,110$1,630,090$1,555,577$1,791,156
55$2,048,737$1,662,575$1,560,300$1,852,554
56$2,208,826$1,695,160$1,563,689$1,917,753
57$2,383,705$1,727,802$1,565,651$1,987,117
58$2,574,833$1,760,454$1,566,091$2,061,046
59$2,783,819$1,793,069$1,564,907$2,139,984
60$3,012,430$1,825,591$1,561,993$2,224,422
61$3,262,617$1,857,964$1,557,239$2,314,900
62$3,536,525$1,890,125$1,550,528$2,412,019
63$3,836,517$1,922,008$1,541,737$2,516,441
64$4,165,195$1,953,539$1,530,738$2,628,898
65$4,525,424$1,984,642$1,517,397$2,750,199
66$4,920,362$2,015,234$1,501,574$2,881,238
67$5,353,483$2,045,225$1,483,122$3,023,005
68$5,828,617$2,074,520$1,461,885$3,176,590
69$6,349,981$2,103,016$1,437,703$3,343,200
70$6,922,219$2,130,604$1,410,406$3,524,170
71$7,550,449$2,157,167$1,379,818$3,720,972
72$8,240,307$2,182,580$1,345,754$3,935,233
73$8,998,000$2,206,709$1,308,019$4,168,751
74$9,830,370$2,229,411$1,266,411$4,423,512
75$10,744,951$2,250,535$1,220,719$4,701,708
76$11,750,043$2,269,919$1,170,720$5,005,762
77$12,854,791$2,287,389$1,116,183$5,338,347
78$14,069,270$2,302,761$1,056,866$5,702,418
79$15,404,580$2,315,841$992,515$6,101,235
80$16,872,949$2,326,419$922,867$6,538,399
81$18,487,851$2,334,274$847,643$7,017,883
82$20,264,129$2,339,171$766,557$7,544,075
83$22,218,139$2,340,859$679,305$8,121,820
84$24,367,900$2,339,072$585,573$8,756,463
85$26,733,268$2,333,529$485,032$9,453,904
86$29,336,118$2,323,929$377,337$10,220,656
87$32,200,555$2,309,954$262,131$11,063,906
88$35,353,137$2,291,267$139,037$11,991,583
89$38,823,129$2,267,511$7,667$13,012,441
90$42,642,774$2,238,305$0$14,136,134
91$46,847,604$2,203,249$0$15,414,326
92$51,476,767$2,161,915$0$16,822,961
93$56,573,402$2,113,854$0$18,372,769
94$62,185,043$2,058,587$0$20,078,202
95$68,364,068$1,995,608$0$21,955,191
96$75,168,192$1,924,382$0$24,021,303
97$82,661,013$1,844,342$0$26,295,905
98$90,912,610$1,754,889$0$28,800,348
99$100,000,205$1,655,387$0$31,558,173
100$110,008,893$1,545,168$0$34,595,332