Can I retire at age 52 with 1,590,000?

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 $1,590,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.1%
1 years$131,301$130,131$128,990$127,876$126,789$123,125
2 years$65,000$63,790$62,617$61,479$60,376$56,713
3 years$42,903$41,687$40,517$39,390$38,305$34,759
4 years$31,857$30,645$29,486$28,378$27,319$23,917
5 years$25,231$24,026$22,882$21,797$20,768$17,519
6 years$20,815$19,619$18,492$17,432$16,433$13,340
7 years$17,662$16,476$15,367$14,331$13,364$10,427
8 years$15,298$14,123$13,033$12,022$11,087$8,304
9 years$13,460$12,296$11,225$10,240$9,337$6,705
10 years$11,991$10,839$9,786$8,827$7,955$5,471
11 years$10,790$9,649$8,616$7,682$6,842$4,502
12 years$9,790$8,661$7,646$6,738$5,929$3,728
13 years$8,944$7,827$6,831$5,949$5,170$3,103
14 years$8,220$7,114$6,138$5,281$4,532$2,594
15 years$7,593$6,499$5,542$4,710$3,991$2,176
16 years$7,044$5,963$5,024$4,217$3,527$1,831
17 years$6,561$5,491$4,572$3,789$3,127$1,544
18 years$6,132$5,074$4,174$3,415$2,781$1,304
19 years$5,749$4,703$3,821$3,085$2,478$1,104
20 years$5,404$4,370$3,507$2,794$2,214$936
21 years$5,092$4,071$3,225$2,536$1,981$794
22 years$4,810$3,800$2,973$2,306$1,776$674
23 years$4,552$3,554$2,745$2,100$1,594$573
24 years$4,316$3,330$2,538$1,915$1,433$487
25 years$4,099$3,125$2,351$1,749$1,289$415
26 years$3,900$2,937$2,180$1,599$1,161$353
27 years$3,715$2,764$2,025$1,464$1,047$301
28 years$3,544$2,604$1,882$1,341$945$256
29 years$3,385$2,457$1,752$1,230$853$219
30 years$3,237$2,320$1,632$1,129$771$186
31 years$3,098$2,193$1,521$1,037$697$159
32 years$2,969$2,075$1,419$953$630$136
33 years$2,847$1,965$1,325$876$570$116
34 years$2,734$1,863$1,238$806$517$99
35 years$2,626$1,767$1,158$742$468$84
36 years$2,525$1,677$1,083$683$424$72
37 years$2,430$1,593$1,014$630$384$61
38 years$2,340$1,514$949$580$348$52
39 years$2,255$1,439$889$535$316$45
40 years$2,174$1,369$833$494$286$38
41 years$2,097$1,304$782$455$260$33
42 years$2,024$1,241$733$420$236$28
43 years$1,955$1,183$688$388$214$24
44 years$1,889$1,128$646$358$194$20
45 years$1,826$1,075$606$331$176$17
46 years$1,766$1,026$569$306$160$15
47 years$1,709$979$535$282$145$13
48 years$1,655$934$503$261$132$11
49 years$1,602$892$473$241$120$9
50 years$1,552$852$444$223$109$8

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,590,000, adding $3,074 every year, while hoping to spend $21,931 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: 88/6/6 Blend
51$1,590,000$1,590,000$1,590,000$1,590,000
52$1,755,351$1,671,081$1,646,436$1,909,242
53$1,911,062$1,729,629$1,678,257$2,068,413
54$2,081,921$1,790,312$1,710,409$2,239,988
55$2,269,449$1,853,209$1,742,880$2,427,890
56$2,475,324$1,918,407$1,775,657$2,633,748
57$2,701,390$1,985,992$1,808,725$2,859,359
58$2,949,683$2,056,058$1,842,069$3,106,701
59$3,222,444$2,128,698$1,875,671$3,377,950
60$3,522,141$2,204,012$1,909,514$3,675,507
61$3,851,494$2,282,103$1,943,577$4,002,014
62$4,213,499$2,363,078$1,977,840$4,360,383
63$4,611,457$2,447,050$2,012,278$4,753,819
64$5,049,004$2,534,134$2,046,868$5,185,855
65$5,530,147$2,624,451$2,081,583$5,660,384
66$6,059,300$2,718,127$2,116,394$6,181,691
67$6,641,327$2,815,294$2,151,271$6,754,500
68$7,281,586$2,916,086$2,186,182$7,384,013
69$7,985,981$3,020,648$2,221,092$8,075,964
70$8,761,016$3,129,125$2,255,965$8,836,667
71$9,613,860$3,241,673$2,290,760$9,673,080
72$10,552,410$3,358,450$2,325,436$10,592,870
73$11,585,367$3,479,625$2,359,949$11,604,483
74$12,722,318$3,605,371$2,394,251$12,717,224
75$13,973,829$3,735,868$2,428,293$13,941,346
76$15,351,539$3,871,306$2,462,021$15,288,149
77$16,868,276$4,011,880$2,495,379$16,770,078
78$18,538,173$4,157,795$2,528,306$18,400,849
79$20,376,803$4,309,263$2,560,741$20,195,575
80$22,401,328$4,466,508$2,592,617$22,170,908
81$24,630,655$4,629,759$2,623,862$24,345,194
82$27,085,623$4,799,257$2,654,401$26,738,651
83$29,789,190$4,975,255$2,684,158$29,373,556
84$32,766,658$5,158,012$2,713,047$32,274,455
85$36,045,904$5,347,803$2,740,982$35,468,397
86$39,657,651$5,544,910$2,767,869$38,985,186
87$43,635,751$5,749,629$2,793,612$42,857,663
88$48,017,506$5,962,270$2,818,107$47,122,017
89$52,844,025$6,183,154$2,841,247$51,818,125
90$58,160,604$6,412,617$2,862,916$56,989,929
91$64,017,157$6,651,007$2,882,996$62,685,849
92$70,468,691$6,898,691$2,901,360$68,959,243
93$77,575,818$7,156,046$2,917,876$75,868,905
94$85,405,330$7,423,471$2,932,403$83,479,626
95$94,030,830$7,701,378$2,944,796$91,862,800
96$103,533,428$7,990,199$2,954,900$101,097,100
97$114,002,501$8,290,382$2,962,553$111,269,221
98$125,536,543$8,602,398$2,967,585$122,474,696
99$138,244,089$8,926,734$2,969,818$134,818,799
100$152,244,744$9,263,902$2,969,064$148,417,539