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%17.9%
1 years$156,074$154,684$153,328$152,004$150,711$145,887
2 years$77,265$75,826$74,431$73,079$71,767$66,951
3 years$50,998$49,553$48,162$46,822$45,532$40,876
4 years$37,867$36,427$35,049$33,733$32,474$28,013
5 years$29,991$28,559$27,200$25,910$24,686$20,432
6 years$24,742$23,320$21,981$20,720$19,533$15,490
7 years$20,994$19,585$18,267$17,035$15,886$12,053
8 years$18,184$16,788$15,492$14,291$13,179$9,553
9 years$16,000$14,617$13,343$12,172$11,098$7,677
10 years$14,254$12,884$11,633$10,493$9,456$6,233
11 years$12,826$11,470$10,241$9,132$8,133$5,102
12 years$11,637$10,295$9,089$8,010$7,048$4,203
13 years$10,632$9,303$8,120$7,071$6,146$3,479
14 years$9,771$8,456$7,296$6,277$5,387$2,893
15 years$9,025$7,725$6,587$5,598$4,743$2,413
16 years$8,373$7,088$5,972$5,013$4,192$2,018
17 years$7,799$6,527$5,435$4,504$3,717$1,692
18 years$7,289$6,032$4,961$4,059$3,305$1,421
19 years$6,833$5,590$4,542$3,667$2,946$1,195
20 years$6,424$5,195$4,168$3,322$2,631$1,007
21 years$6,053$4,839$3,834$3,015$2,355$849
22 years$5,717$4,517$3,534$2,741$2,111$717
23 years$5,411$4,224$3,263$2,496$1,895$605
24 years$5,130$3,958$3,017$2,277$1,703$512
25 years$4,873$3,714$2,795$2,079$1,532$433
26 years$4,635$3,491$2,592$1,901$1,380$366
27 years$4,416$3,285$2,407$1,740$1,245$310
28 years$4,212$3,096$2,237$1,594$1,123$262
29 years$4,023$2,920$2,082$1,462$1,014$222
30 years$3,847$2,758$1,939$1,342$916$188
31 years$3,683$2,607$1,808$1,232$828$159
32 years$3,529$2,467$1,687$1,133$749$135
33 years$3,385$2,336$1,575$1,041$678$115
34 years$3,249$2,214$1,472$958$614$97
35 years$3,122$2,100$1,376$882$556$82
36 years$3,002$1,993$1,287$812$504$70
37 years$2,888$1,893$1,205$749$457$59
38 years$2,781$1,799$1,128$690$414$50
39 years$2,680$1,711$1,057$636$375$43
40 years$2,584$1,628$991$587$341$36
41 years$2,493$1,550$929$541$309$31
42 years$2,406$1,476$871$500$280$26
43 years$2,324$1,406$818$461$254$22
44 years$2,246$1,340$768$426$231$19
45 years$2,171$1,278$721$393$210$16
46 years$2,100$1,219$677$363$190$13
47 years$2,032$1,164$636$336$173$11
48 years$1,967$1,111$598$310$157$10
49 years$1,905$1,061$562$287$143$8
50 years$1,845$1,013$528$265$129$7

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 $4,190 every year, while hoping to spend $31,115 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: 38/36/26 Blend
51$1,890,000$1,890,000$1,890,000$1,890,000
52$2,087,102$1,986,932$1,957,637$2,150,095
53$2,266,880$2,051,186$1,990,112$2,260,807
54$2,463,953$2,117,545$2,022,631$2,377,199
55$2,680,052$2,186,080$2,055,165$2,502,386
56$2,917,083$2,256,863$2,087,679$2,637,185
57$3,177,146$2,329,971$2,120,137$2,782,494
58$3,462,556$2,405,480$2,152,503$2,939,302
59$3,775,860$2,483,472$2,184,734$3,108,693
60$4,119,864$2,564,028$2,216,790$3,291,866
61$4,497,661$2,647,237$2,248,623$3,490,133
62$4,912,657$2,733,186$2,280,187$3,704,943
63$5,368,604$2,821,968$2,311,429$3,937,888
64$5,869,636$2,913,678$2,342,296$4,190,720
65$6,420,306$3,008,416$2,372,729$4,465,369
66$7,025,631$3,106,282$2,402,670$4,763,957
67$7,691,138$3,207,383$2,432,053$5,088,822
68$8,422,918$3,311,829$2,460,810$5,442,537
69$9,227,679$3,419,731$2,488,870$5,827,935
70$10,112,812$3,531,208$2,516,157$6,248,135
71$11,086,462$3,646,380$2,542,592$6,706,573
72$12,157,602$3,765,374$2,568,089$7,207,030
73$13,336,118$3,888,318$2,592,561$7,753,672
74$14,632,904$4,015,347$2,615,913$8,351,087
75$16,059,961$4,146,601$2,638,048$9,004,326
76$17,630,516$4,282,222$2,658,861$9,718,955
77$19,359,138$4,422,361$2,678,243$10,501,101
78$21,261,885$4,567,172$2,696,079$11,357,518
79$23,356,448$4,716,814$2,712,248$12,295,640
80$25,662,321$4,871,452$2,726,623$13,323,660
81$28,200,983$5,031,259$2,739,070$14,450,601
82$30,996,103$5,196,411$2,749,450$15,686,404
83$34,073,763$5,367,092$2,757,613$17,042,021
84$37,462,699$5,543,492$2,763,406$18,529,517
85$41,194,580$5,725,809$2,766,665$20,162,182
86$45,304,298$5,914,245$2,767,220$21,954,662
87$49,830,307$6,109,013$2,764,892$23,923,088
88$54,814,974$6,310,330$2,759,492$26,085,237
89$60,304,990$6,518,425$2,750,823$28,460,693
90$66,351,802$6,733,531$2,738,679$31,071,033
91$73,012,104$6,955,893$2,722,843$33,940,032
92$80,348,368$7,185,761$2,703,088$37,093,885
93$88,429,436$7,423,397$2,679,175$40,561,456
94$97,331,166$7,669,071$2,650,855$44,374,546
95$107,137,154$7,923,064$2,617,868$48,568,198
96$117,939,516$8,185,667$2,579,938$53,181,022
97$129,839,761$8,457,180$2,536,781$58,255,564
98$142,949,750$8,737,914$2,488,097$63,838,703
99$157,392,747$9,028,195$2,433,571$69,982,096
100$173,304,587$9,328,356$2,372,875$76,742,664