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%15%
1 years$147,817$146,500$145,215$143,961$142,737$139,798
2 years$73,176$71,814$70,493$69,212$67,970$65,022
3 years$48,300$46,931$45,614$44,345$43,123$40,259
4 years$35,864$34,499$33,195$31,948$30,756$27,997
5 years$28,404$27,048$25,761$24,539$23,380$20,734
6 years$23,433$22,087$20,818$19,624$18,500$15,970
7 years$19,883$18,548$17,300$16,134$15,045$12,632
8 years$17,222$15,899$14,672$13,534$12,482$10,184
9 years$15,153$13,843$12,637$11,528$10,511$8,328
10 years$13,500$12,202$11,017$9,938$8,956$6,885
11 years$12,147$10,863$9,699$8,649$7,703$5,741
12 years$11,021$9,750$8,608$7,586$6,675$4,820
13 years$10,069$8,811$7,691$6,697$5,821$4,070
14 years$9,254$8,009$6,910$5,945$5,102$3,451
15 years$8,548$7,316$6,239$5,302$4,492$2,938
16 years$7,930$6,713$5,656$4,747$3,970$2,509
17 years$7,386$6,182$5,147$4,265$3,520$2,148
18 years$6,903$5,713$4,699$3,844$3,130$1,843
19 years$6,472$5,294$4,301$3,473$2,790$1,585
20 years$6,084$4,920$3,948$3,146$2,492$1,365
21 years$5,733$4,583$3,631$2,855$2,230$1,177
22 years$5,415$4,278$3,347$2,596$1,999$1,016
23 years$5,125$4,001$3,090$2,364$1,794$878
24 years$4,859$3,748$2,858$2,156$1,613$759
25 years$4,615$3,518$2,647$1,969$1,451$657
26 years$4,390$3,306$2,455$1,801$1,307$569
27 years$4,182$3,111$2,279$1,648$1,179$493
28 years$3,990$2,932$2,119$1,510$1,064$427
29 years$3,810$2,766$1,972$1,385$960$371
30 years$3,644$2,612$1,837$1,271$868$322
31 years$3,488$2,469$1,712$1,167$785$279
32 years$3,342$2,336$1,598$1,073$710$242
33 years$3,206$2,213$1,492$986$642$210
34 years$3,077$2,097$1,394$908$581$183
35 years$2,957$1,989$1,303$835$527$159
36 years$2,843$1,888$1,219$769$477$138
37 years$2,736$1,793$1,141$709$432$120
38 years$2,634$1,704$1,069$653$392$104
39 years$2,538$1,620$1,001$602$356$90
40 years$2,447$1,542$938$556$323$79
41 years$2,361$1,468$880$513$293$68
42 years$2,279$1,398$825$473$265$59
43 years$2,201$1,332$774$437$241$52
44 years$2,127$1,269$727$403$219$45
45 years$2,056$1,210$683$372$199$39
46 years$1,989$1,155$641$344$180$34
47 years$1,924$1,102$602$318$164$29
48 years$1,863$1,052$566$294$149$26
49 years$1,804$1,005$532$271$135$22
50 years$1,748$960$500$251$123$19

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 $2,153 every year, while hoping to spend $27,069 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: 49/24/27 Blend
51$1,790,000$1,790,000$1,790,000$1,790,000
52$1,974,801$1,879,931$1,852,186$2,056,330
53$2,147,429$1,943,246$1,885,433$2,176,960
54$2,336,759$2,008,757$1,918,886$2,305,086
55$2,544,464$2,076,542$1,952,525$2,443,761
56$2,772,390$2,146,683$1,986,325$2,593,995
57$3,022,568$2,219,265$2,020,261$2,756,900
58$3,297,238$2,294,377$2,054,308$2,933,700
59$3,598,864$2,372,109$2,088,435$3,125,740
60$3,930,164$2,452,558$2,122,614$3,334,504
61$4,294,129$2,535,822$2,156,809$3,561,622
62$4,694,055$2,622,002$2,190,988$3,808,891
63$5,133,575$2,711,207$2,225,112$4,078,288
64$5,616,689$2,803,545$2,259,143$4,371,990
65$6,147,804$2,899,132$2,293,037$4,692,395
66$6,731,777$2,998,086$2,326,750$5,042,142
67$7,373,957$3,100,531$2,360,235$5,424,138
68$8,080,239$3,206,595$2,393,442$5,841,584
69$8,857,117$3,316,412$2,426,316$6,298,006
70$9,711,747$3,430,120$2,458,801$6,797,286
71$10,652,011$3,547,862$2,490,837$7,343,702
72$11,686,598$3,669,789$2,522,361$7,941,962
73$12,825,076$3,796,054$2,553,306$8,597,257
74$14,077,993$3,926,819$2,583,600$9,315,301
75$15,456,966$4,062,252$2,613,170$10,102,391
76$16,974,800$4,202,526$2,641,934$10,965,460
77$18,645,602$4,347,822$2,669,811$11,912,149
78$20,484,916$4,498,327$2,696,712$12,950,875
79$22,509,870$4,654,238$2,722,545$14,090,909
80$24,739,337$4,815,756$2,747,210$15,342,467
81$27,194,114$4,983,092$2,770,606$16,716,803
82$29,897,116$5,156,466$2,792,624$18,226,316
83$32,873,594$5,336,106$2,813,149$19,884,666
84$36,151,373$5,522,247$2,832,062$21,706,904
85$39,761,112$5,715,136$2,849,235$23,709,612
86$43,736,597$5,915,029$2,864,536$25,911,063
87$48,115,056$6,122,192$2,877,824$28,331,386
88$52,937,515$6,336,902$2,888,954$30,992,762
89$58,249,177$6,559,447$2,897,770$33,919,632
90$64,099,859$6,790,125$2,904,111$37,138,924
91$70,544,452$7,029,249$2,907,806$40,680,311
92$77,643,445$7,277,141$2,908,677$44,576,486
93$85,463,495$7,534,139$2,906,536$48,863,476
94$94,078,053$7,800,594$2,901,186$53,580,977
95$103,568,060$8,076,868$2,892,422$58,772,729
96$114,022,710$8,363,343$2,880,026$64,486,932
97$125,540,292$8,660,412$2,863,773$70,776,694
98$138,229,117$8,968,487$2,843,423$77,700,539
99$152,208,538$9,287,994$2,818,729$85,322,955
100$167,610,082$9,619,379$2,789,430$93,715,001