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%16.9%
1 years$147,817$146,500$145,215$143,961$142,737$138,724
2 years$73,176$71,814$70,493$69,212$67,970$63,958
3 years$48,300$46,931$45,614$44,345$43,123$39,237
4 years$35,864$34,499$33,195$31,948$30,756$27,026
5 years$28,404$27,048$25,761$24,539$23,380$19,816
6 years$23,433$22,087$20,818$19,624$18,500$15,106
7 years$19,883$18,548$17,300$16,134$15,045$11,821
8 years$17,222$15,899$14,672$13,534$12,482$9,425
9 years$15,153$13,843$12,637$11,528$10,511$7,619
10 years$13,500$12,202$11,017$9,938$8,956$6,225
11 years$12,147$10,863$9,699$8,649$7,703$5,129
12 years$11,021$9,750$8,608$7,586$6,675$4,253
13 years$10,069$8,811$7,691$6,697$5,821$3,545
14 years$9,254$8,009$6,910$5,945$5,102$2,968
15 years$8,548$7,316$6,239$5,302$4,492$2,493
16 years$7,930$6,713$5,656$4,747$3,970$2,100
17 years$7,386$6,182$5,147$4,265$3,520$1,774
18 years$6,903$5,713$4,699$3,844$3,130$1,501
19 years$6,472$5,294$4,301$3,473$2,790$1,272
20 years$6,084$4,920$3,948$3,146$2,492$1,080
21 years$5,733$4,583$3,631$2,855$2,230$918
22 years$5,415$4,278$3,347$2,596$1,999$780
23 years$5,125$4,001$3,090$2,364$1,794$664
24 years$4,859$3,748$2,858$2,156$1,613$566
25 years$4,615$3,518$2,647$1,969$1,451$483
26 years$4,390$3,306$2,455$1,801$1,307$412
27 years$4,182$3,111$2,279$1,648$1,179$351
28 years$3,990$2,932$2,119$1,510$1,064$300
29 years$3,810$2,766$1,972$1,385$960$256
30 years$3,644$2,612$1,837$1,271$868$219
31 years$3,488$2,469$1,712$1,167$785$187
32 years$3,342$2,336$1,598$1,073$710$160
33 years$3,206$2,213$1,492$986$642$136
34 years$3,077$2,097$1,394$908$581$117
35 years$2,957$1,989$1,303$835$527$100
36 years$2,843$1,888$1,219$769$477$85
37 years$2,736$1,793$1,141$709$432$73
38 years$2,634$1,704$1,069$653$392$62
39 years$2,538$1,620$1,001$602$356$53
40 years$2,447$1,542$938$556$323$46
41 years$2,361$1,468$880$513$293$39
42 years$2,279$1,398$825$473$265$33
43 years$2,201$1,332$774$437$241$28
44 years$2,127$1,269$727$403$219$24
45 years$2,056$1,210$683$372$199$21
46 years$1,989$1,155$641$344$180$18
47 years$1,924$1,102$602$318$164$15
48 years$1,863$1,052$566$294$149$13
49 years$1,804$1,005$532$271$135$11
50 years$1,748$960$500$251$123$10

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 $5,756 every year, while hoping to spend $33,011 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: 27/50/23 Blend
51$1,790,000$1,790,000$1,790,000$1,790,000
52$1,978,517$1,883,647$1,855,902$2,017,464
53$2,145,203$1,940,823$1,882,952$2,105,930
54$2,327,783$1,999,693$1,909,801$2,197,581
55$2,527,846$2,060,307$1,936,408$2,295,293
56$2,747,138$2,122,714$1,962,729$2,399,601
57$2,987,584$2,186,964$1,988,718$2,511,092
58$3,251,302$2,253,110$2,014,325$2,630,415
59$3,540,628$2,321,206$2,039,498$2,758,277
60$3,858,133$2,391,305$2,064,182$2,895,462
61$4,206,648$2,463,465$2,088,317$3,042,826
62$4,589,294$2,537,742$2,111,844$3,201,314
63$5,009,507$2,614,197$2,134,695$3,371,964
64$5,471,073$2,692,889$2,156,804$3,555,918
65$5,978,162$2,773,880$2,178,097$3,754,432
66$6,535,370$2,857,235$2,198,498$3,968,888
67$7,147,757$2,943,019$2,217,927$4,200,809
68$7,820,899$3,031,298$2,236,299$4,451,867
69$8,560,940$3,122,141$2,253,524$4,723,906
70$9,374,648$3,215,618$2,269,510$5,018,954
71$10,269,480$3,311,801$2,284,156$5,339,243
72$11,253,651$3,410,764$2,297,359$5,687,233
73$12,336,213$3,512,581$2,309,010$6,065,631
74$13,527,139$3,617,330$2,318,995$6,477,416
75$14,837,418$3,725,089$2,327,191$6,925,871
76$16,279,156$3,835,940$2,333,474$7,414,611
77$17,865,693$3,949,965$2,337,709$7,947,617
78$19,611,728$4,067,247$2,339,756$8,529,273
79$21,533,457$4,187,875$2,339,470$9,164,409
80$23,648,724$4,311,935$2,336,697$9,858,344
81$25,977,192$4,439,517$2,331,274$10,616,937
82$28,540,526$4,570,715$2,323,033$11,446,643
83$31,362,602$4,705,622$2,311,797$12,354,574
84$34,469,724$4,844,334$2,297,378$13,348,561
85$37,890,878$4,986,949$2,279,583$14,437,236
86$41,658,006$5,133,567$2,258,207$15,630,106
87$45,806,301$5,284,291$2,233,036$16,937,645
88$50,374,547$5,439,225$2,203,846$18,371,395
89$55,405,478$5,598,474$2,170,402$19,944,070
90$60,946,185$5,762,147$2,132,458$21,669,681
91$67,048,559$5,930,355$2,089,758$23,563,664
92$73,769,779$6,103,210$2,042,033$25,643,029
93$81,172,855$6,280,826$1,988,999$27,926,515
94$89,327,220$6,463,319$1,930,364$30,434,773
95$98,309,383$6,650,809$1,865,819$33,190,558
96$108,203,658$6,843,416$1,795,041$36,218,941
97$119,102,950$7,041,262$1,717,694$39,547,552
98$131,109,638$7,244,472$1,633,424$43,206,833
99$144,336,543$7,453,173$1,541,865$47,230,332
100$158,907,983$7,667,491$1,442,631$51,655,016