Can I retire at age 52 with 1,090,000?

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 $1,090,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.5%
1 years$90,011$89,209$88,427$87,664$86,918$85,655
2 years$44,560$43,730$42,926$42,146$41,390$40,119
3 years$29,412$28,578$27,776$27,003$26,259$25,022
4 years$21,839$21,008$20,214$19,454$18,728$17,533
5 years$17,296$16,470$15,687$14,943$14,237$13,087
6 years$14,269$13,449$12,677$11,950$11,265$10,163
7 years$12,108$11,295$10,535$9,825$9,162$8,106
8 years$10,487$9,682$8,934$8,242$7,600$6,593
9 years$9,228$8,430$7,695$7,020$6,401$5,440
10 years$8,220$7,430$6,709$6,051$5,454$4,539
11 years$7,397$6,615$5,906$5,267$4,690$3,820
12 years$6,711$5,937$5,242$4,619$4,065$3,239
13 years$6,131$5,365$4,683$4,078$3,544$2,761
14 years$5,635$4,877$4,208$3,620$3,107$2,366
15 years$5,205$4,455$3,799$3,229$2,736$2,035
16 years$4,829$4,088$3,444$2,891$2,418$1,756
17 years$4,498$3,765$3,134$2,597$2,144$1,520
18 years$4,204$3,479$2,861$2,341$1,906$1,318
19 years$3,941$3,224$2,619$2,115$1,699$1,146
20 years$3,705$2,996$2,404$1,916$1,518$998
21 years$3,491$2,790$2,211$1,739$1,358$870
22 years$3,297$2,605$2,038$1,581$1,217$760
23 years$3,121$2,436$1,882$1,440$1,093$664
24 years$2,959$2,283$1,740$1,313$982$581
25 years$2,810$2,142$1,612$1,199$884$509
26 years$2,673$2,013$1,495$1,096$796$446
27 years$2,547$1,895$1,388$1,004$718$391
28 years$2,429$1,785$1,290$919$648$343
29 years$2,320$1,684$1,201$843$585$302
30 years$2,219$1,591$1,119$774$528$265
31 years$2,124$1,504$1,043$711$478$233
32 years$2,035$1,423$973$653$432$205
33 years$1,952$1,347$908$601$391$180
34 years$1,874$1,277$849$553$354$158
35 years$1,800$1,211$794$509$321$139
36 years$1,731$1,150$742$469$291$122
37 years$1,666$1,092$695$432$263$108
38 years$1,604$1,038$651$398$239$95
39 years$1,546$987$610$367$217$83
40 years$1,490$939$571$338$196$73
41 years$1,438$894$536$312$178$65
42 years$1,388$851$503$288$162$57
43 years$1,340$811$472$266$147$50
44 years$1,295$773$443$246$133$44
45 years$1,252$737$416$227$121$39
46 years$1,211$703$390$210$110$34
47 years$1,172$671$367$194$100$30
48 years$1,134$641$345$179$91$27
49 years$1,098$612$324$165$82$23
50 years$1,064$584$305$153$75$21

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,090,000, adding $4,538 every year, while hoping to spend $28,594 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: 43/28/29 Blend
51$1,090,000$1,090,000$1,090,000$1,090,000
52$1,205,861$1,148,091$1,131,196$1,247,348
53$1,298,435$1,173,924$1,138,667$1,303,404
54$1,399,493$1,200,064$1,145,430$1,361,061
55$1,509,871$1,226,496$1,151,432$1,422,994
56$1,630,487$1,253,204$1,156,614$1,489,615
57$1,762,355$1,280,169$1,160,919$1,561,383
58$1,906,588$1,307,370$1,164,282$1,638,800
59$2,064,414$1,334,785$1,166,640$1,722,422
60$2,237,183$1,362,389$1,167,922$1,812,860
61$2,426,385$1,390,155$1,168,056$1,910,791
62$2,633,657$1,418,053$1,166,966$2,016,959
63$2,860,803$1,446,051$1,164,573$2,132,186
64$3,109,812$1,474,114$1,160,793$2,257,379
65$3,382,872$1,502,205$1,155,538$2,393,538
66$3,682,393$1,530,281$1,148,717$2,541,765
67$4,011,031$1,558,299$1,140,233$2,703,276
68$4,371,711$1,586,210$1,129,986$2,879,414
69$4,767,654$1,613,963$1,117,869$3,071,659
70$5,202,409$1,641,502$1,103,772$3,281,641
71$5,679,886$1,668,767$1,087,579$3,511,163
72$6,204,390$1,695,692$1,069,169$3,762,208
73$6,780,666$1,722,210$1,048,415$4,036,967
74$7,413,941$1,748,244$1,025,183$4,337,854
75$8,109,971$1,773,717$999,335$4,667,533
76$8,875,100$1,798,541$970,725$5,028,942
77$9,716,317$1,822,626$939,201$5,425,318
78$10,641,321$1,845,874$904,604$5,860,235
79$11,658,594$1,868,180$866,766$6,337,631
80$12,777,482$1,889,433$825,514$6,861,851
81$14,008,283$1,909,512$780,667$7,437,683
82$15,362,341$1,928,292$732,033$8,070,411
83$16,852,158$1,945,637$679,414$8,765,858
84$18,491,507$1,961,401$622,603$9,530,446
85$20,295,562$1,975,431$561,382$10,371,257
86$22,281,045$1,987,564$495,524$11,296,097
87$24,466,381$1,997,624$424,793$12,313,575
88$26,871,870$2,005,425$348,942$13,433,183
89$29,519,882$2,010,772$267,712$14,665,386
90$32,435,064$2,013,454$180,835$16,021,720
91$35,644,575$2,013,247$88,027$17,514,905
92$39,178,342$2,009,917$0$19,158,967
93$43,069,341$2,003,211$0$20,972,772
94$47,353,908$1,992,863$0$22,999,248
95$52,072,083$1,978,589$0$25,230,015
96$57,267,986$1,960,091$0$27,685,893
97$62,990,235$1,937,050$0$30,389,825
98$69,292,402$1,909,129$0$33,367,097
99$76,233,521$1,875,970$0$36,645,577
100$83,878,643$1,837,195$0$40,255,978