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

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 $1,790,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.1%
1 years$147,817$146,500$145,215$143,961$142,737$138,058
2 years$73,176$71,814$70,493$69,212$67,970$63,300
3 years$48,300$46,931$45,614$44,345$43,123$38,609
4 years$35,864$34,499$33,195$31,948$30,756$26,433
5 years$28,404$27,048$25,761$24,539$23,380$19,259
6 years$23,433$22,087$20,818$19,624$18,500$14,585
7 years$19,883$18,548$17,300$16,134$15,045$11,336
8 years$17,222$15,899$14,672$13,534$12,482$8,974
9 years$15,153$13,843$12,637$11,528$10,511$7,203
10 years$13,500$12,202$11,017$9,938$8,956$5,841
11 years$12,147$10,863$9,699$8,649$7,703$4,774
12 years$11,021$9,750$8,608$7,586$6,675$3,928
13 years$10,069$8,811$7,691$6,697$5,821$3,248
14 years$9,254$8,009$6,910$5,945$5,102$2,696
15 years$8,548$7,316$6,239$5,302$4,492$2,246
16 years$7,930$6,713$5,656$4,747$3,970$1,876
17 years$7,386$6,182$5,147$4,265$3,520$1,570
18 years$6,903$5,713$4,699$3,844$3,130$1,317
19 years$6,472$5,294$4,301$3,473$2,790$1,106
20 years$6,084$4,920$3,948$3,146$2,492$930
21 years$5,733$4,583$3,631$2,855$2,230$783
22 years$5,415$4,278$3,347$2,596$1,999$660
23 years$5,125$4,001$3,090$2,364$1,794$557
24 years$4,859$3,748$2,858$2,156$1,613$470
25 years$4,615$3,518$2,647$1,969$1,451$397
26 years$4,390$3,306$2,455$1,801$1,307$335
27 years$4,182$3,111$2,279$1,648$1,179$283
28 years$3,990$2,932$2,119$1,510$1,064$239
29 years$3,810$2,766$1,972$1,385$960$202
30 years$3,644$2,612$1,837$1,271$868$171
31 years$3,488$2,469$1,712$1,167$785$145
32 years$3,342$2,336$1,598$1,073$710$122
33 years$3,206$2,213$1,492$986$642$104
34 years$3,077$2,097$1,394$908$581$88
35 years$2,957$1,989$1,303$835$527$74
36 years$2,843$1,888$1,219$769$477$63
37 years$2,736$1,793$1,141$709$432$53
38 years$2,634$1,704$1,069$653$392$45
39 years$2,538$1,620$1,001$602$356$38
40 years$2,447$1,542$938$556$323$32
41 years$2,361$1,468$880$513$293$27
42 years$2,279$1,398$825$473$265$23
43 years$2,201$1,332$774$437$241$20
44 years$2,127$1,269$727$403$219$17
45 years$2,056$1,210$683$372$199$14
46 years$1,989$1,155$641$344$180$12
47 years$1,924$1,102$602$318$164$10
48 years$1,863$1,052$566$294$149$9
49 years$1,804$1,005$532$271$135$7
50 years$1,748$960$500$251$123$6

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 $6,786 every year, while hoping to spend $51,809 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: 73/17/10 Blend
51$1,790,000$1,790,000$1,790,000$1,790,000
52$1,979,580$1,884,710$1,856,965$2,119,907
53$2,126,373$1,921,936$1,864,049$2,250,718
54$2,286,402$1,959,250$1,869,634$2,386,836
55$2,460,963$1,996,602$1,873,614$2,534,490
56$2,651,482$2,033,936$1,875,881$2,694,806
57$2,859,527$2,071,193$1,876,318$2,869,024
58$3,086,828$2,108,311$1,874,804$3,058,511
59$3,335,286$2,145,219$1,871,211$3,264,771
60$3,606,995$2,181,845$1,865,406$3,489,461
61$3,904,261$2,218,108$1,857,250$3,734,409
62$4,229,623$2,253,922$1,846,595$4,001,627
63$4,585,876$2,289,196$1,833,287$4,293,331
64$4,976,099$2,323,830$1,817,166$4,611,964
65$5,403,682$2,357,719$1,798,062$4,960,217
66$5,872,360$2,390,749$1,775,799$5,341,056
67$6,386,244$2,422,799$1,750,192$5,757,748
68$6,949,863$2,453,739$1,721,046$6,213,893
69$7,568,207$2,483,430$1,688,159$6,713,460
70$8,246,770$2,511,724$1,651,317$7,260,821
71$8,991,604$2,538,462$1,610,300$7,860,793
72$9,809,377$2,563,476$1,564,875$8,518,685
73$10,707,432$2,586,585$1,514,797$9,240,350
74$11,693,860$2,607,598$1,459,813$10,032,235
75$12,777,574$2,626,310$1,399,656$10,901,446
76$13,968,390$2,642,503$1,334,049$11,855,813
77$15,277,127$2,655,946$1,262,700$12,903,968
78$16,715,699$2,666,393$1,185,306$14,055,421
79$18,297,236$2,673,581$1,101,549$15,320,654
80$20,036,200$2,677,233$1,011,097$16,711,219
81$21,948,526$2,677,051$913,602$18,239,847
82$24,051,772$2,672,723$808,704$19,920,567
83$26,365,281$2,663,914$696,024$21,768,844
84$28,910,364$2,650,271$575,166$23,801,717
85$31,710,505$2,631,418$445,717$26,037,969
86$34,791,575$2,606,957$307,248$28,498,297
87$38,182,083$2,576,464$159,307$31,205,514
88$41,913,438$2,539,493$1,427$34,184,759
89$46,020,250$2,495,570$0$37,463,740
90$50,540,653$2,444,190$0$41,090,817
91$55,516,667$2,384,823$0$45,083,141
92$60,994,592$2,316,904$0$49,477,703
93$67,025,445$2,239,837$0$54,315,439
94$73,665,441$2,152,990$0$59,641,459
95$80,976,523$2,055,694$0$65,505,476
96$89,026,948$1,947,243$0$71,962,271
97$97,891,928$1,826,888$0$79,072,216
98$107,654,338$1,693,839$0$86,901,841
99$118,405,504$1,547,261$0$95,524,463
100$130,246,056$1,386,268$0$105,020,880