Can I retire at age 52 with 1,910,000?

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 $1,910,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.2%
1 years$157,726$156,321$154,950$153,612$152,306$147,254
2 years$78,082$76,628$75,219$73,852$72,527$67,486
3 years$51,538$50,077$48,671$47,318$46,014$41,142
4 years$38,268$36,812$35,420$34,090$32,818$28,153
5 years$30,308$28,861$27,488$26,184$24,947$20,502
6 years$25,004$23,567$22,214$20,940$19,740$15,517
7 years$21,216$19,792$18,460$17,216$16,054$12,053
8 years$18,377$16,965$15,656$14,442$13,318$9,537
9 years$16,169$14,771$13,484$12,301$11,216$7,649
10 years$14,405$13,020$11,756$10,604$9,557$6,199
11 years$12,962$11,591$10,350$9,228$8,219$5,064
12 years$11,760$10,404$9,185$8,095$7,122$4,163
13 years$10,744$9,402$8,206$7,146$6,211$3,440
14 years$9,874$8,546$7,373$6,344$5,444$2,854
15 years$9,121$7,807$6,657$5,657$4,794$2,376
16 years$8,462$7,163$6,036$5,066$4,237$1,983
17 years$7,882$6,597$5,492$4,551$3,756$1,659
18 years$7,366$6,095$5,014$4,102$3,340$1,390
19 years$6,906$5,649$4,590$3,706$2,977$1,167
20 years$6,491$5,250$4,212$3,357$2,659$980
21 years$6,117$4,890$3,874$3,046$2,380$825
22 years$5,778$4,564$3,571$2,770$2,133$694
23 years$5,468$4,269$3,297$2,523$1,915$585
24 years$5,185$4,000$3,049$2,301$1,721$493
25 years$4,924$3,754$2,824$2,101$1,549$416
26 years$4,684$3,528$2,619$1,921$1,395$351
27 years$4,463$3,320$2,432$1,759$1,258$297
28 years$4,257$3,128$2,261$1,611$1,135$251
29 years$4,066$2,951$2,104$1,478$1,025$212
30 years$3,888$2,787$1,960$1,356$926$179
31 years$3,722$2,635$1,827$1,245$837$151
32 years$3,566$2,493$1,705$1,145$757$128
33 years$3,421$2,361$1,592$1,052$685$108
34 years$3,284$2,238$1,487$968$620$91
35 years$3,155$2,122$1,391$891$562$77
36 years$3,034$2,014$1,301$821$509$65
37 years$2,919$1,913$1,218$756$461$55
38 years$2,811$1,818$1,140$697$418$47
39 years$2,708$1,729$1,068$643$379$40
40 years$2,611$1,645$1,001$593$344$33
41 years$2,519$1,566$939$547$312$28
42 years$2,432$1,491$881$505$283$24
43 years$2,349$1,421$826$466$257$20
44 years$2,269$1,354$776$430$233$17
45 years$2,194$1,292$728$397$212$14
46 years$2,122$1,232$684$367$192$12
47 years$2,053$1,176$643$339$175$10
48 years$1,988$1,122$604$313$159$9
49 years$1,925$1,072$568$290$144$7
50 years$1,865$1,024$534$268$131$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,910,000, adding $3,631 every year, while hoping to spend $26,655 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: 73/12/15 Blend
51$1,910,000$1,910,000$1,910,000$1,910,000
52$2,108,565$2,007,335$1,977,730$2,255,218
53$2,295,278$2,077,334$2,015,624$2,422,847
54$2,500,143$2,149,869$2,053,893$2,602,792
55$2,724,982$2,225,037$2,092,523$2,799,196
56$2,971,804$2,302,938$2,131,496$3,013,683
57$3,242,821$2,383,676$2,170,795$3,248,045
58$3,540,471$2,467,358$2,210,398$3,504,252
59$3,867,438$2,554,097$2,250,286$3,784,475
60$4,226,679$2,644,011$2,290,433$4,091,105
61$4,621,453$2,737,220$2,330,815$4,426,773
62$5,055,349$2,833,852$2,371,405$4,794,379
63$5,532,322$2,934,037$2,412,174$5,197,117
64$6,056,727$3,037,914$2,453,091$5,638,503
65$6,633,365$3,145,623$2,494,121$6,122,412
66$7,267,525$3,257,315$2,535,230$6,653,111
67$7,965,031$3,373,142$2,576,380$7,235,301
68$8,732,304$3,493,266$2,617,528$7,874,159
69$9,576,416$3,617,853$2,658,633$8,575,390
70$10,505,161$3,747,078$2,699,647$9,345,278
71$11,527,124$3,881,121$2,740,521$10,190,746
72$12,651,765$4,020,171$2,781,204$11,119,419
73$13,889,510$4,164,424$2,821,639$12,139,699
74$15,251,843$4,314,085$2,861,767$13,260,844
75$16,751,421$4,469,365$2,901,526$14,493,051
76$18,402,189$4,630,486$2,940,850$15,847,556
77$20,219,512$4,797,679$2,979,668$17,336,740
78$22,220,321$4,971,184$3,017,906$18,974,240
79$24,423,272$5,151,252$3,055,484$20,775,084
80$26,848,924$5,338,141$3,092,321$22,755,831
81$29,519,929$5,532,124$3,128,328$24,934,724
82$32,461,247$5,733,483$3,163,412$27,331,865
83$35,700,383$5,942,513$3,197,476$29,969,401
84$39,267,646$6,159,520$3,230,415$32,871,738
85$43,196,433$6,384,824$3,262,122$36,065,766
86$47,523,547$6,618,758$3,292,480$39,581,116
87$52,289,540$6,861,668$3,321,369$43,450,435
88$57,539,100$7,113,917$3,348,662$47,709,699
89$63,321,470$7,375,881$3,374,224$52,398,549
90$69,690,913$7,647,952$3,397,914$57,560,665
91$76,707,225$7,930,541$3,419,583$63,244,179
92$84,436,298$8,224,073$3,439,075$69,502,128
93$92,950,741$8,528,994$3,456,225$76,392,955
94$102,330,569$8,845,767$3,470,861$83,981,060
95$112,663,954$9,174,876$3,482,801$92,337,405
96$124,048,057$9,516,824$3,491,854$101,540,189
97$136,589,948$9,872,138$3,497,821$111,675,580
98$150,407,615$10,241,366$3,500,491$122,838,532
99$165,631,078$10,625,079$3,499,643$135,133,677
100$182,403,613$11,023,873$3,495,047$148,676,316