Can I retire at age 52 with 1,690,000?

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 $1,690,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.9%
1 years$139,559$138,316$137,103$135,919$134,763$132,042
2 years$69,088$67,802$66,555$65,346$64,173$61,443
3 years$45,601$44,309$43,065$41,868$40,714$38,061
4 years$33,860$32,572$31,341$30,163$29,037$26,482
5 years$26,817$25,537$24,322$23,168$22,074$19,623
6 years$22,124$20,853$19,655$18,528$17,466$15,122
7 years$18,772$17,512$16,334$15,233$14,205$11,968
8 years$16,260$15,011$13,852$12,778$11,784$9,655
9 years$14,307$13,070$11,931$10,884$9,924$7,900
10 years$12,745$11,520$10,402$9,382$8,456$6,535
11 years$11,469$10,256$9,157$8,166$7,272$5,453
12 years$10,405$9,205$8,127$7,162$6,302$4,581
13 years$9,507$8,319$7,261$6,323$5,495$3,870
14 years$8,737$7,562$6,524$5,613$4,817$3,284
15 years$8,070$6,908$5,890$5,006$4,241$2,798
16 years$7,487$6,338$5,340$4,482$3,749$2,391
17 years$6,974$5,837$4,860$4,027$3,324$2,049
18 years$6,518$5,393$4,436$3,629$2,955$1,759
19 years$6,110$4,999$4,061$3,279$2,634$1,514
20 years$5,744$4,645$3,727$2,970$2,353$1,304
21 years$5,413$4,327$3,428$2,696$2,106$1,125
22 years$5,112$4,039$3,160$2,451$1,887$972
23 years$4,838$3,777$2,917$2,232$1,694$841
24 years$4,587$3,539$2,698$2,036$1,523$728
25 years$4,357$3,321$2,499$1,859$1,370$630
26 years$4,145$3,121$2,318$1,700$1,234$546
27 years$3,949$2,938$2,152$1,556$1,113$474
28 years$3,767$2,768$2,001$1,426$1,004$411
29 years$3,598$2,611$1,862$1,307$907$357
30 years$3,440$2,466$1,734$1,200$819$310
31 years$3,293$2,331$1,617$1,102$741$269
32 years$3,156$2,206$1,508$1,013$670$234
33 years$3,027$2,089$1,408$931$606$203
34 years$2,905$1,980$1,316$857$549$177
35 years$2,791$1,878$1,230$789$497$153
36 years$2,684$1,782$1,151$726$451$133
37 years$2,583$1,693$1,077$669$408$116
38 years$2,487$1,609$1,009$617$370$101
39 years$2,396$1,530$945$569$336$88
40 years$2,310$1,456$886$525$304$76
41 years$2,229$1,386$831$484$276$66
42 years$2,152$1,320$779$447$251$58
43 years$2,078$1,257$731$412$227$50
44 years$2,008$1,198$686$381$206$44
45 years$1,941$1,143$644$352$187$38
46 years$1,878$1,090$605$325$170$33
47 years$1,817$1,040$569$300$155$29
48 years$1,759$993$534$277$140$25
49 years$1,703$948$502$256$127$22
50 years$1,650$906$472$237$116$19

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,690,000, adding $5,779 every year, while hoping to spend $52,361 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: 51/30/19 Blend
51$1,690,000$1,690,000$1,690,000$1,690,000
52$1,868,341$1,778,771$1,752,576$1,953,533
53$2,003,200$1,810,219$1,755,576$2,044,320
54$2,150,060$1,841,453$1,756,921$2,137,080
55$2,310,089$1,872,408$1,756,501$2,236,811
56$2,484,574$1,903,012$1,754,200$2,344,190
57$2,674,931$1,933,189$1,749,895$2,459,967
58$2,882,717$1,962,859$1,743,460$2,584,965
59$3,109,648$1,991,933$1,734,760$2,720,096
60$3,357,612$2,020,317$1,723,654$2,866,363
61$3,628,688$2,047,913$1,709,996$3,024,875
62$3,925,165$2,074,611$1,693,632$3,196,854
63$4,249,563$2,100,297$1,674,399$3,383,648
64$4,604,655$2,124,849$1,652,129$3,586,746
65$4,993,499$2,148,136$1,626,644$3,807,789
66$5,419,459$2,170,018$1,597,760$4,048,587
67$5,886,241$2,190,345$1,565,282$4,311,139
68$6,397,925$2,208,960$1,529,006$4,597,648
69$6,959,006$2,225,692$1,488,721$4,910,546
70$7,574,435$2,240,361$1,444,203$5,252,515
71$8,249,665$2,252,776$1,395,222$5,626,514
72$8,990,701$2,262,733$1,341,532$6,035,806
73$9,804,160$2,270,014$1,282,880$6,483,991
74$10,697,328$2,274,388$1,219,000$6,975,041
75$11,678,233$2,275,611$1,149,614$7,513,335
76$12,755,718$2,273,421$1,074,432$8,103,705
77$13,939,526$2,267,543$993,150$8,751,479
78$15,240,388$2,257,683$905,451$9,462,535
79$16,670,127$2,243,529$811,003$10,243,355
80$18,241,769$2,224,751$709,460$11,101,088
81$19,969,664$2,200,998$600,462$12,043,617
82$21,869,622$2,171,900$483,630$13,079,638
83$23,959,062$2,137,061$358,570$14,218,740
84$26,257,175$2,096,066$224,871$15,471,496
85$28,785,106$2,048,472$82,103$16,849,567
86$31,566,151$1,993,812$0$18,365,811
87$34,625,980$1,931,590$0$20,048,650
88$37,992,873$1,861,281$0$21,918,164
89$41,697,994$1,782,331$0$23,975,030
90$45,775,676$1,694,153$0$26,238,359
91$50,263,754$1,596,126$0$28,729,217
92$55,203,913$1,487,592$0$31,470,827
93$60,642,086$1,367,857$0$34,488,783
94$66,628,885$1,236,188$0$37,811,299
95$73,220,078$1,091,809$0$41,469,474
96$80,477,117$933,898$0$45,497,585
97$88,467,715$761,591$0$49,933,414
98$97,266,484$573,971$0$54,818,608
99$106,955,643$370,073$0$60,199,068
100$117,625,787$148,875$0$66,125,391