Can I retire at age 52 with 1,790,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $1,790,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.6%
1 years$147,817$146,500$145,215$143,961$142,737$141,188
2 years$73,176$71,814$70,493$69,212$67,970$66,410
3 years$48,300$46,931$45,614$44,345$43,123$41,601
4 years$35,864$34,499$33,195$31,948$30,756$29,283
5 years$28,404$27,048$25,761$24,539$23,380$21,961
6 years$23,433$22,087$20,818$19,624$18,500$17,136
7 years$19,883$18,548$17,300$16,134$15,045$13,738
8 years$17,222$15,899$14,672$13,534$12,482$11,230
9 years$15,153$13,843$12,637$11,528$10,511$9,316
10 years$13,500$12,202$11,017$9,938$8,956$7,815
11 years$12,147$10,863$9,699$8,649$7,703$6,615
12 years$11,021$9,750$8,608$7,586$6,675$5,640
13 years$10,069$8,811$7,691$6,697$5,821$4,838
14 years$9,254$8,009$6,910$5,945$5,102$4,169
15 years$8,548$7,316$6,239$5,302$4,492$3,608
16 years$7,930$6,713$5,656$4,747$3,970$3,133
17 years$7,386$6,182$5,147$4,265$3,520$2,729
18 years$6,903$5,713$4,699$3,844$3,130$2,383
19 years$6,472$5,294$4,301$3,473$2,790$2,085
20 years$6,084$4,920$3,948$3,146$2,492$1,828
21 years$5,733$4,583$3,631$2,855$2,230$1,605
22 years$5,415$4,278$3,347$2,596$1,999$1,411
23 years$5,125$4,001$3,090$2,364$1,794$1,242
24 years$4,859$3,748$2,858$2,156$1,613$1,094
25 years$4,615$3,518$2,647$1,969$1,451$965
26 years$4,390$3,306$2,455$1,801$1,307$852
27 years$4,182$3,111$2,279$1,648$1,179$753
28 years$3,990$2,932$2,119$1,510$1,064$665
29 years$3,810$2,766$1,972$1,385$960$588
30 years$3,644$2,612$1,837$1,271$868$521
31 years$3,488$2,469$1,712$1,167$785$461
32 years$3,342$2,336$1,598$1,073$710$408
33 years$3,206$2,213$1,492$986$642$362
34 years$3,077$2,097$1,394$908$581$320
35 years$2,957$1,989$1,303$835$527$284
36 years$2,843$1,888$1,219$769$477$252
37 years$2,736$1,793$1,141$709$432$223
38 years$2,634$1,704$1,069$653$392$198
39 years$2,538$1,620$1,001$602$356$176
40 years$2,447$1,542$938$556$323$156
41 years$2,361$1,468$880$513$293$138
42 years$2,279$1,398$825$473$265$123
43 years$2,201$1,332$774$437$241$109
44 years$2,127$1,269$727$403$219$97
45 years$2,056$1,210$683$372$199$86
46 years$1,989$1,155$641$344$180$76
47 years$1,924$1,102$602$318$164$68
48 years$1,863$1,052$566$294$149$60
49 years$1,804$1,005$532$271$135$53
50 years$1,748$960$500$251$123$47

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,790,000, adding $4,438 every year, while hoping to spend $23,896 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: 51/33/16 Blend
51$1,790,000$1,790,000$1,790,000$1,790,000
52$1,977,158$1,882,288$1,854,543$2,069,124
53$2,153,403$1,949,095$1,891,245$2,199,580
54$2,346,824$2,018,374$1,928,375$2,338,468
55$2,559,148$2,090,223$1,965,924$2,488,939
56$2,792,276$2,164,739$2,003,878$2,652,097
57$3,048,305$2,242,028$2,042,225$2,829,151
58$3,329,542$2,322,197$2,080,949$3,021,434
59$3,638,531$2,405,360$2,120,036$3,230,412
60$3,978,071$2,491,633$2,159,467$3,457,697
61$4,351,249$2,581,138$2,199,224$3,705,062
62$4,761,465$2,674,002$2,239,287$3,974,458
63$5,212,464$2,770,358$2,279,633$4,268,034
64$5,708,373$2,870,343$2,320,238$4,588,152
65$6,253,739$2,974,101$2,361,077$4,937,412
66$6,853,569$3,081,781$2,402,123$5,318,677
67$7,513,384$3,193,539$2,443,344$5,735,098
68$8,239,263$3,309,537$2,484,711$6,190,143
69$9,037,907$3,429,943$2,526,187$6,687,630
70$9,916,697$3,554,934$2,567,738$7,231,763
71$10,883,767$3,684,692$2,609,324$7,827,170
72$11,948,078$3,819,409$2,650,903$8,478,948
73$13,119,505$3,959,283$2,692,432$9,192,707
74$14,408,928$4,104,522$2,733,862$9,974,626
75$15,828,337$4,255,341$2,775,144$10,831,511
76$17,390,940$4,411,966$2,816,225$11,770,854
77$19,111,295$4,574,632$2,857,047$12,800,908
78$21,005,440$4,743,582$2,897,551$13,930,763
79$23,091,049$4,919,071$2,937,673$15,170,428
80$25,387,596$5,101,366$2,977,345$16,530,931
81$27,916,541$5,290,742$3,016,496$18,024,415
82$30,701,529$5,487,490$3,055,050$19,664,258
83$33,768,618$5,691,910$3,092,927$21,465,195
84$37,146,518$5,904,315$3,130,042$23,443,458
85$40,866,870$6,125,033$3,166,305$25,616,927
86$44,964,538$6,354,406$3,201,623$28,005,299
87$49,477,938$6,592,790$3,235,895$30,630,272
88$54,449,407$6,840,556$3,269,016$33,515,752
89$59,925,593$7,098,090$3,300,876$36,688,072
90$65,957,905$7,365,798$3,331,356$40,176,245
91$72,602,990$7,644,100$3,360,335$44,012,232
92$79,923,270$7,933,437$3,387,682$48,231,250
93$87,987,535$8,234,266$3,413,260$52,872,093
94$96,871,586$8,547,067$3,436,927$57,977,506
95$106,658,953$8,872,339$3,458,529$63,594,584
96$117,441,685$9,210,603$3,477,909$69,775,214
97$129,321,218$9,562,403$3,494,899$76,576,564
98$142,409,327$9,928,306$3,509,324$84,061,623
99$156,829,190$10,308,904$3,520,997$92,299,795
100$172,716,543$10,704,817$3,529,727$101,367,547