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%17.3%
1 years$156,074$154,684$153,328$152,004$150,711$146,238
2 years$77,265$75,826$74,431$73,079$71,767$67,298
3 years$50,998$49,553$48,162$46,822$45,532$41,206
4 years$37,867$36,427$35,049$33,733$32,474$28,325
5 years$29,991$28,559$27,200$25,910$24,686$20,725
6 years$24,742$23,320$21,981$20,720$19,533$15,764
7 years$20,994$19,585$18,267$17,035$15,886$12,308
8 years$18,184$16,788$15,492$14,291$13,179$9,790
9 years$16,000$14,617$13,343$12,172$11,098$7,896
10 years$14,254$12,884$11,633$10,493$9,456$6,435
11 years$12,826$11,470$10,241$9,132$8,133$5,288
12 years$11,637$10,295$9,089$8,010$7,048$4,373
13 years$10,632$9,303$8,120$7,071$6,146$3,635
14 years$9,771$8,456$7,296$6,277$5,387$3,035
15 years$9,025$7,725$6,587$5,598$4,743$2,542
16 years$8,373$7,088$5,972$5,013$4,192$2,136
17 years$7,799$6,527$5,435$4,504$3,717$1,798
18 years$7,289$6,032$4,961$4,059$3,305$1,517
19 years$6,833$5,590$4,542$3,667$2,946$1,282
20 years$6,424$5,195$4,168$3,322$2,631$1,085
21 years$6,053$4,839$3,834$3,015$2,355$919
22 years$5,717$4,517$3,534$2,741$2,111$779
23 years$5,411$4,224$3,263$2,496$1,895$661
24 years$5,130$3,958$3,017$2,277$1,703$562
25 years$4,873$3,714$2,795$2,079$1,532$477
26 years$4,635$3,491$2,592$1,901$1,380$406
27 years$4,416$3,285$2,407$1,740$1,245$345
28 years$4,212$3,096$2,237$1,594$1,123$294
29 years$4,023$2,920$2,082$1,462$1,014$250
30 years$3,847$2,758$1,939$1,342$916$213
31 years$3,683$2,607$1,808$1,232$828$181
32 years$3,529$2,467$1,687$1,133$749$154
33 years$3,385$2,336$1,575$1,041$678$131
34 years$3,249$2,214$1,472$958$614$112
35 years$3,122$2,100$1,376$882$556$95
36 years$3,002$1,993$1,287$812$504$81
37 years$2,888$1,893$1,205$749$457$69
38 years$2,781$1,799$1,128$690$414$59
39 years$2,680$1,711$1,057$636$375$50
40 years$2,584$1,628$991$587$341$43
41 years$2,493$1,550$929$541$309$37
42 years$2,406$1,476$871$500$280$31
43 years$2,324$1,406$818$461$254$27
44 years$2,246$1,340$768$426$231$23
45 years$2,171$1,278$721$393$210$19
46 years$2,100$1,219$677$363$190$16
47 years$2,032$1,164$636$336$173$14
48 years$1,967$1,111$598$310$157$12
49 years$1,905$1,061$562$287$143$10
50 years$1,845$1,013$528$265$129$9

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 $6,418 every year, while hoping to spend $34,810 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: 36/37/27 Blend
51$1,890,000$1,890,000$1,890,000$1,890,000
52$2,089,400$1,989,230$1,959,935$2,147,474
53$2,265,481$2,049,665$1,988,555$2,251,561
54$2,458,356$2,111,894$2,016,968$2,360,234
55$2,669,701$2,175,969$2,045,129$2,476,884
56$2,901,361$2,241,943$2,072,991$2,602,248
57$3,155,371$2,309,869$2,100,507$2,737,143
58$3,433,968$2,379,802$2,127,624$2,882,463
59$3,739,620$2,451,799$2,154,287$3,039,193
60$4,075,044$2,525,920$2,180,437$3,208,417
61$4,443,231$2,602,222$2,206,014$3,391,329
62$4,847,478$2,680,768$2,230,953$3,589,243
63$5,291,415$2,761,621$2,255,185$3,803,603
64$5,779,044$2,844,845$2,278,638$4,036,003
65$6,314,769$2,930,505$2,301,235$4,288,194
66$6,903,446$3,018,670$2,322,897$4,562,106
67$7,550,422$3,109,409$2,343,538$4,859,864
68$8,261,588$3,202,793$2,363,070$5,183,808
69$9,043,435$3,298,896$2,381,398$5,536,516
70$9,903,115$3,397,791$2,398,424$5,920,826
71$10,848,505$3,499,555$2,414,044$6,339,864
72$11,888,286$3,604,267$2,428,148$6,797,074
73$13,032,022$3,712,006$2,440,621$7,296,248
74$14,290,249$3,822,856$2,451,343$7,841,567
75$15,674,578$3,936,899$2,460,187$8,437,632
76$17,197,800$4,054,222$2,467,018$9,089,515
77$18,874,010$4,174,913$2,471,697$9,802,803
78$20,718,737$4,299,062$2,474,077$10,583,650
79$22,749,093$4,426,761$2,474,004$11,438,838
80$24,983,933$4,558,105$2,471,315$12,375,839
81$27,444,031$4,693,188$2,465,841$13,402,883
82$30,152,278$4,832,111$2,457,403$14,529,042
83$33,133,899$4,974,973$2,445,814$15,764,309
84$36,416,686$5,121,876$2,430,879$17,119,696
85$40,031,267$5,272,927$2,412,392$18,607,336
86$44,011,388$5,428,232$2,390,138$20,240,599
87$48,394,234$5,587,900$2,363,893$22,034,217
88$53,220,781$5,752,042$2,333,419$24,004,424
89$58,536,182$5,920,774$2,298,469$26,169,108
90$64,390,191$6,094,209$2,258,786$28,547,980
91$70,837,632$6,272,468$2,214,098$31,162,762
92$77,938,922$6,455,670$2,164,121$34,037,388
93$85,760,633$6,643,939$2,108,560$37,198,236
94$94,376,124$6,837,398$2,047,103$40,674,369
95$103,866,234$7,036,176$1,979,427$44,497,819
96$114,320,044$7,240,403$1,905,191$48,703,880
97$125,835,715$7,450,209$1,824,042$53,331,447
98$138,521,418$7,665,729$1,735,607$58,423,383
99$152,496,351$7,887,099$1,639,499$64,026,922
100$167,891,870$8,114,457$1,535,313$70,194,114