Can I retire at age 52 with 1,990,000?

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 $1,990,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.9%
1 years$164,332$162,869$161,440$160,046$158,685$154,849
2 years$81,353$79,838$78,369$76,945$75,564$71,723
3 years$53,696$52,175$50,710$49,300$47,941$44,214
4 years$39,871$38,354$36,904$35,518$34,192$30,608
5 years$31,578$30,070$28,639$27,281$25,992$22,561
6 years$26,051$24,554$23,145$21,817$20,567$17,292
7 years$22,105$20,621$19,233$17,937$16,726$13,609
8 years$19,146$17,676$16,311$15,047$13,876$10,914
9 years$16,847$15,390$14,049$12,816$11,686$8,877
10 years$15,008$13,565$12,248$11,048$9,957$7,298
11 years$13,504$12,077$10,783$9,615$8,563$6,051
12 years$12,253$10,839$9,570$8,434$7,421$5,051
13 years$11,194$9,796$8,550$7,446$6,471$4,238
14 years$10,288$8,904$7,682$6,609$5,672$3,573
15 years$9,503$8,134$6,936$5,894$4,994$3,022
16 years$8,816$7,463$6,288$5,278$4,414$2,565
17 years$8,212$6,873$5,722$4,742$3,914$2,182
18 years$7,675$6,351$5,224$4,274$3,480$1,860
19 years$7,195$5,886$4,782$3,862$3,102$1,588
20 years$6,763$5,469$4,389$3,497$2,771$1,358
21 years$6,374$5,095$4,037$3,174$2,479$1,163
22 years$6,020$4,756$3,720$2,886$2,222$997
23 years$5,697$4,448$3,435$2,628$1,995$856
24 years$5,402$4,167$3,177$2,397$1,793$735
25 years$5,131$3,911$2,943$2,189$1,614$631
26 years$4,881$3,676$2,729$2,002$1,453$543
27 years$4,649$3,459$2,534$1,832$1,310$467
28 years$4,435$3,259$2,356$1,679$1,182$402
29 years$4,236$3,075$2,192$1,539$1,068$346
30 years$4,051$2,904$2,042$1,413$965$298
31 years$3,878$2,745$1,904$1,298$872$257
32 years$3,716$2,598$1,776$1,192$789$221
33 years$3,564$2,460$1,658$1,097$714$191
34 years$3,421$2,331$1,550$1,009$646$164
35 years$3,287$2,211$1,449$929$586$142
36 years$3,161$2,099$1,355$855$530$122
37 years$3,041$1,993$1,269$788$481$105
38 years$2,928$1,894$1,188$726$436$91
39 years$2,822$1,801$1,113$670$395$78
40 years$2,721$1,714$1,043$618$359$67
41 years$2,625$1,632$978$570$325$58
42 years$2,534$1,554$918$526$295$50
43 years$2,447$1,480$861$486$268$43
44 years$2,364$1,411$808$448$243$37
45 years$2,286$1,346$759$414$221$32
46 years$2,211$1,284$713$382$200$28
47 years$2,139$1,225$670$353$182$24
48 years$2,071$1,170$629$327$165$21
49 years$2,006$1,117$591$302$150$18
50 years$1,943$1,067$556$279$136$15

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,990,000, adding $3,673 every year, while hoping to spend $38,266 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: 65/27/8 Blend
51$1,990,000$1,990,000$1,990,000$1,990,000
52$2,196,769$2,091,299$2,060,454$2,335,911
53$2,380,124$2,153,058$2,088,764$2,490,740
54$2,580,900$2,216,560$2,116,741$2,654,960
55$2,800,831$2,281,851$2,144,331$2,833,379
56$3,041,832$2,348,977$2,171,482$3,027,376
57$3,306,006$2,417,985$2,198,134$3,238,469
58$3,595,674$2,488,922$2,224,227$3,468,327
59$3,913,391$2,561,837$2,249,697$3,718,788
60$4,261,971$2,636,781$2,274,475$3,991,877
61$4,644,511$2,713,803$2,298,490$4,289,823
62$5,064,428$2,792,955$2,321,665$4,615,079
63$5,525,480$2,874,291$2,343,922$4,970,347
64$6,031,811$2,957,863$2,365,175$5,358,602
65$6,587,984$3,043,726$2,385,336$5,783,123
66$7,199,025$3,131,936$2,404,312$6,247,518
67$7,870,473$3,222,549$2,422,005$6,755,761
68$8,608,430$3,315,621$2,438,310$7,312,231
69$9,419,615$3,411,213$2,453,119$7,921,750
70$10,311,435$3,509,381$2,466,317$8,589,629
71$11,292,048$3,610,187$2,477,785$9,321,720
72$12,370,441$3,713,691$2,487,396$10,124,468
73$13,556,519$3,819,955$2,495,017$11,004,973
74$14,861,193$3,929,041$2,500,508$11,971,056
75$16,296,483$4,041,012$2,503,723$13,031,336
76$17,875,635$4,155,933$2,504,509$14,195,306
77$19,613,243$4,273,867$2,502,704$15,473,423
78$21,525,388$4,394,881$2,498,138$16,877,211
79$23,629,786$4,519,039$2,490,635$18,419,366
80$25,945,961$4,646,408$2,480,008$20,113,874
81$28,495,423$4,777,056$2,466,061$21,976,147
82$31,301,873$4,911,049$2,448,592$24,023,165
83$34,391,429$5,048,455$2,427,384$26,273,637
84$37,792,867$5,189,342$2,402,214$28,748,177
85$41,537,898$5,333,778$2,372,847$31,469,499
86$45,661,462$5,481,831$2,339,036$34,462,630
87$50,202,060$5,633,571$2,300,523$37,755,147
88$55,202,119$5,789,063$2,257,038$41,377,436
89$60,708,385$5,948,378$2,208,299$45,362,980
90$66,772,374$6,111,582$2,154,011$49,748,673
91$73,450,849$6,278,743$2,093,863$54,575,169
92$80,806,361$6,449,927$2,027,533$59,887,265
93$88,907,837$6,625,200$1,954,682$65,734,325
94$97,831,228$6,804,627$1,874,956$72,170,742
95$107,660,232$6,988,271$1,787,985$79,256,456
96$118,487,075$7,176,197$1,693,383$87,057,517
97$130,413,390$7,368,463$1,590,744$95,646,706
98$143,551,169$7,565,131$1,479,648$105,104,226
99$158,023,824$7,766,258$1,359,651$115,518,458
100$173,967,347$7,971,898$1,230,293$126,986,791