Can I retire at age 52 with 1,890,000?

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 $1,890,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.5%
1 years$156,074$154,684$153,328$152,004$150,711$149,761
2 years$77,265$75,826$74,431$73,079$71,767$70,809
3 years$50,998$49,553$48,162$46,822$45,532$44,595
4 years$37,867$36,427$35,049$33,733$32,474$31,566
5 years$29,991$28,559$27,200$25,910$24,686$23,809
6 years$24,742$23,320$21,981$20,720$19,533$18,689
7 years$20,994$19,585$18,267$17,035$15,886$15,074
8 years$18,184$16,788$15,492$14,291$13,179$12,400
9 years$16,000$14,617$13,343$12,172$11,098$10,352
10 years$14,254$12,884$11,633$10,493$9,456$8,743
11 years$12,826$11,470$10,241$9,132$8,133$7,451
12 years$11,637$10,295$9,089$8,010$7,048$6,397
13 years$10,632$9,303$8,120$7,071$6,146$5,525
14 years$9,771$8,456$7,296$6,277$5,387$4,797
15 years$9,025$7,725$6,587$5,598$4,743$4,182
16 years$8,373$7,088$5,972$5,013$4,192$3,659
17 years$7,799$6,527$5,435$4,504$3,717$3,211
18 years$7,289$6,032$4,961$4,059$3,305$2,826
19 years$6,833$5,590$4,542$3,667$2,946$2,492
20 years$6,424$5,195$4,168$3,322$2,631$2,202
21 years$6,053$4,839$3,834$3,015$2,355$1,949
22 years$5,717$4,517$3,534$2,741$2,111$1,728
23 years$5,411$4,224$3,263$2,496$1,895$1,534
24 years$5,130$3,958$3,017$2,277$1,703$1,363
25 years$4,873$3,714$2,795$2,079$1,532$1,213
26 years$4,635$3,491$2,592$1,901$1,380$1,080
27 years$4,416$3,285$2,407$1,740$1,245$962
28 years$4,212$3,096$2,237$1,594$1,123$858
29 years$4,023$2,920$2,082$1,462$1,014$766
30 years$3,847$2,758$1,939$1,342$916$684
31 years$3,683$2,607$1,808$1,232$828$611
32 years$3,529$2,467$1,687$1,133$749$546
33 years$3,385$2,336$1,575$1,041$678$488
34 years$3,249$2,214$1,472$958$614$436
35 years$3,122$2,100$1,376$882$556$390
36 years$3,002$1,993$1,287$812$504$349
37 years$2,888$1,893$1,205$749$457$312
38 years$2,781$1,799$1,128$690$414$280
39 years$2,680$1,711$1,057$636$375$250
40 years$2,584$1,628$991$587$341$224
41 years$2,493$1,550$929$541$309$201
42 years$2,406$1,476$871$500$280$180
43 years$2,324$1,406$818$461$254$161
44 years$2,246$1,340$768$426$231$144
45 years$2,171$1,278$721$393$210$129
46 years$2,100$1,219$677$363$190$116
47 years$2,032$1,164$636$336$173$104
48 years$1,967$1,111$598$310$157$93
49 years$1,905$1,061$562$287$143$84
50 years$1,845$1,013$528$265$129$75

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,890,000, adding $3,878 every year, while hoping to spend $41,231 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: 36/45/19 Blend
51$1,890,000$1,890,000$1,890,000$1,890,000
52$2,086,780$1,986,610$1,957,315$2,149,734
53$2,255,762$2,040,085$1,979,016$2,249,395
54$2,440,599$2,094,797$2,000,061$2,352,773
55$2,642,863$2,150,766$2,020,387$2,463,519
56$2,864,288$2,208,006$2,039,923$2,582,315
57$3,106,782$2,266,535$2,058,596$2,709,911
58$3,372,445$2,326,367$2,076,331$2,847,133
59$3,663,593$2,387,517$2,093,046$2,994,891
60$3,982,773$2,449,999$2,108,657$3,154,184
61$4,332,792$2,513,826$2,123,074$3,326,116
62$4,716,743$2,579,009$2,136,202$3,511,900
63$5,138,030$2,645,559$2,147,944$3,712,873
64$5,600,403$2,713,486$2,158,195$3,930,506
65$6,107,995$2,782,797$2,166,845$4,166,422
66$6,665,356$2,853,500$2,173,780$4,422,406
67$7,277,500$2,925,600$2,178,880$4,700,426
68$7,949,950$2,999,098$2,182,016$5,002,650
69$8,688,789$3,073,998$2,183,058$5,331,467
70$9,500,719$3,150,298$2,181,865$5,689,507
71$10,393,126$3,227,996$2,178,290$6,079,670
72$11,374,143$3,307,086$2,172,181$6,505,151
73$12,452,732$3,387,560$2,163,376$6,969,470
74$13,638,768$3,469,408$2,151,706$7,476,506
75$14,943,129$3,552,616$2,136,995$8,030,535
76$16,377,801$3,637,167$2,119,058$8,636,266
77$17,955,990$3,723,041$2,097,699$9,298,891
78$19,692,245$3,810,213$2,072,715$10,024,132
79$21,602,597$3,898,657$2,043,895$10,818,293
80$23,704,710$3,988,339$2,011,013$11,688,322
81$26,018,046$4,079,224$1,973,838$12,641,879
82$28,564,049$4,171,268$1,932,124$13,687,402
83$31,366,347$4,264,426$1,885,616$14,834,194
84$34,450,976$4,358,644$1,834,045$16,092,505
85$37,846,623$4,453,865$1,777,133$17,473,635
86$41,584,898$4,550,024$1,714,587$18,990,036
87$45,700,632$4,647,049$1,646,099$20,655,432
88$50,232,203$4,744,861$1,571,350$22,484,950
89$55,221,903$4,843,375$1,490,006$24,495,261
90$60,716,333$4,942,495$1,401,716$26,704,738
91$66,766,840$5,042,119$1,306,115$29,133,634
92$73,430,008$5,142,134$1,202,821$31,804,267
93$80,768,188$5,242,417$1,091,434$34,741,238
94$88,850,084$5,342,837$971,538$37,971,659
95$97,751,405$5,443,248$842,697$41,525,411
96$107,555,577$5,543,496$704,456$45,435,430
97$118,354,531$5,643,412$556,340$49,738,013
98$130,249,569$5,742,815$397,854$54,473,166
99$143,352,322$5,841,510$228,478$59,684,983
100$157,785,800$5,939,285$47,673$65,422,059