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

Use the below retirement simulation to view the chances of a successful retirement.
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%19.6%
1 years$156,074$154,684$153,328$152,004$150,711$144,903
2 years$77,265$75,826$74,431$73,079$71,767$65,985
3 years$50,998$49,553$48,162$46,822$45,532$39,958
4 years$37,867$36,427$35,049$33,733$32,474$27,150
5 years$29,991$28,559$27,200$25,910$24,686$19,626
6 years$24,742$23,320$21,981$20,720$19,533$14,740
7 years$20,994$19,585$18,267$17,035$15,886$11,359
8 years$18,184$16,788$15,492$14,291$13,179$8,913
9 years$16,000$14,617$13,343$12,172$11,098$7,088
10 years$14,254$12,884$11,633$10,493$9,456$5,693
11 years$12,826$11,470$10,241$9,132$8,133$4,609
12 years$11,637$10,295$9,089$8,010$7,048$3,754
13 years$10,632$9,303$8,120$7,071$6,146$3,072
14 years$9,771$8,456$7,296$6,277$5,387$2,524
15 years$9,025$7,725$6,587$5,598$4,743$2,080
16 years$8,373$7,088$5,972$5,013$4,192$1,719
17 years$7,799$6,527$5,435$4,504$3,717$1,423
18 years$7,289$6,032$4,961$4,059$3,305$1,180
19 years$6,833$5,590$4,542$3,667$2,946$980
20 years$6,424$5,195$4,168$3,322$2,631$815
21 years$6,053$4,839$3,834$3,015$2,355$678
22 years$5,717$4,517$3,534$2,741$2,111$565
23 years$5,411$4,224$3,263$2,496$1,895$471
24 years$5,130$3,958$3,017$2,277$1,703$392
25 years$4,873$3,714$2,795$2,079$1,532$327
26 years$4,635$3,491$2,592$1,901$1,380$273
27 years$4,416$3,285$2,407$1,740$1,245$228
28 years$4,212$3,096$2,237$1,594$1,123$190
29 years$4,023$2,920$2,082$1,462$1,014$159
30 years$3,847$2,758$1,939$1,342$916$133
31 years$3,683$2,607$1,808$1,232$828$111
32 years$3,529$2,467$1,687$1,133$749$93
33 years$3,385$2,336$1,575$1,041$678$78
34 years$3,249$2,214$1,472$958$614$65
35 years$3,122$2,100$1,376$882$556$54
36 years$3,002$1,993$1,287$812$504$45
37 years$2,888$1,893$1,205$749$457$38
38 years$2,781$1,799$1,128$690$414$32
39 years$2,680$1,711$1,057$636$375$26
40 years$2,584$1,628$991$587$341$22
41 years$2,493$1,550$929$541$309$18
42 years$2,406$1,476$871$500$280$15
43 years$2,324$1,406$818$461$254$13
44 years$2,246$1,340$768$426$231$11
45 years$2,171$1,278$721$393$210$9
46 years$2,100$1,219$677$363$190$8
47 years$2,032$1,164$636$336$173$6
48 years$1,967$1,111$598$310$157$5
49 years$1,905$1,061$562$287$143$4
50 years$1,845$1,013$528$265$129$4

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 $3,920 every year, while hoping to spend $46,951 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: 53/23/24 Blend
51$1,890,000$1,890,000$1,890,000$1,890,000
52$2,086,823$1,986,653$1,957,358$2,183,357
53$2,249,724$2,034,044$1,972,974$2,297,769
54$2,427,667$2,082,183$1,987,540$2,417,041
55$2,622,136$2,131,058$2,000,970$2,545,866
56$2,834,768$2,180,653$2,013,176$2,685,172
57$3,067,361$2,230,951$2,024,064$2,835,982
58$3,321,896$2,281,933$2,033,535$2,999,427
59$3,600,557$2,333,575$2,041,486$3,176,748
60$3,905,746$2,385,852$2,047,808$3,369,317
61$4,240,109$2,438,736$2,052,386$3,578,643
62$4,606,560$2,492,194$2,055,101$3,806,392
63$5,008,309$2,546,191$2,055,827$4,054,398
64$5,448,891$2,600,689$2,054,431$4,324,684
65$5,932,198$2,655,643$2,050,775$4,619,479
66$6,462,520$2,711,007$2,044,714$4,941,240
67$7,044,579$2,766,729$2,036,094$5,292,677
68$7,683,580$2,822,752$2,024,757$5,676,774
69$8,385,253$2,879,015$2,010,534$6,096,824
70$9,155,912$2,935,450$1,993,250$6,556,453
71$10,002,511$2,991,984$1,972,721$7,059,662
72$10,932,714$3,048,538$1,948,754$7,610,858
73$11,954,962$3,105,026$1,921,147$8,214,901
74$13,078,552$3,161,357$1,889,690$8,877,148
75$14,313,730$3,217,429$1,854,160$9,603,504
76$15,671,783$3,273,136$1,814,327$10,400,477
77$17,165,147$3,328,361$1,769,949$11,275,243
78$18,807,520$3,382,980$1,720,771$12,235,710
79$20,614,000$3,436,858$1,666,529$13,290,598
80$22,601,215$3,489,851$1,606,945$14,449,517
81$24,787,491$3,541,806$1,541,730$15,723,059
82$27,193,017$3,592,557$1,470,580$17,122,902
83$29,840,039$3,641,926$1,393,178$18,661,918
84$32,753,067$3,689,724$1,309,194$20,354,295
85$35,959,108$3,735,749$1,218,280$22,215,671
86$39,487,920$3,779,784$1,120,075$24,263,286
87$43,372,292$3,821,597$1,014,202$26,516,141
88$47,648,352$3,860,942$900,264$28,995,180
89$52,355,912$3,897,556$777,851$31,723,490
90$57,538,837$3,931,158$646,531$34,726,516
91$63,245,462$3,961,449$505,854$38,032,306
92$69,529,050$3,988,111$355,351$41,671,775
93$76,448,289$4,010,804$194,531$45,678,999
94$84,067,850$4,029,169$22,883$50,091,534
95$92,458,994$4,042,821$0$54,950,777
96$101,700,245$4,051,353$0$60,343,404
97$111,878,133$4,054,332$0$66,287,577
98$123,088,006$4,051,298$0$72,833,007
99$135,434,933$4,041,761$0$80,040,942
100$149,034,692$4,025,204$0$87,978,878