Can I retire at age 52 with 1,790,000?

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 $1,790,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.7%
1 years$147,817$146,500$145,215$143,961$142,737$138,279
2 years$73,176$71,814$70,493$69,212$67,970$63,518
3 years$48,300$46,931$45,614$44,345$43,123$38,817
4 years$35,864$34,499$33,195$31,948$30,756$26,629
5 years$28,404$27,048$25,761$24,539$23,380$19,443
6 years$23,433$22,087$20,818$19,624$18,500$14,756
7 years$19,883$18,548$17,300$16,134$15,045$11,495
8 years$17,222$15,899$14,672$13,534$12,482$9,122
9 years$15,153$13,843$12,637$11,528$10,511$7,339
10 years$13,500$12,202$11,017$9,938$8,956$5,966
11 years$12,147$10,863$9,699$8,649$7,703$4,890
12 years$11,021$9,750$8,608$7,586$6,675$4,033
13 years$10,069$8,811$7,691$6,697$5,821$3,344
14 years$9,254$8,009$6,910$5,945$5,102$2,784
15 years$8,548$7,316$6,239$5,302$4,492$2,325
16 years$7,930$6,713$5,656$4,747$3,970$1,948
17 years$7,386$6,182$5,147$4,265$3,520$1,635
18 years$6,903$5,713$4,699$3,844$3,130$1,376
19 years$6,472$5,294$4,301$3,473$2,790$1,159
20 years$6,084$4,920$3,948$3,146$2,492$978
21 years$5,733$4,583$3,631$2,855$2,230$826
22 years$5,415$4,278$3,347$2,596$1,999$698
23 years$5,125$4,001$3,090$2,364$1,794$591
24 years$4,859$3,748$2,858$2,156$1,613$500
25 years$4,615$3,518$2,647$1,969$1,451$423
26 years$4,390$3,306$2,455$1,801$1,307$359
27 years$4,182$3,111$2,279$1,648$1,179$304
28 years$3,990$2,932$2,119$1,510$1,064$258
29 years$3,810$2,766$1,972$1,385$960$219
30 years$3,644$2,612$1,837$1,271$868$186
31 years$3,488$2,469$1,712$1,167$785$158
32 years$3,342$2,336$1,598$1,073$710$134
33 years$3,206$2,213$1,492$986$642$114
34 years$3,077$2,097$1,394$908$581$96
35 years$2,957$1,989$1,303$835$527$82
36 years$2,843$1,888$1,219$769$477$70
37 years$2,736$1,793$1,141$709$432$59
38 years$2,634$1,704$1,069$653$392$50
39 years$2,538$1,620$1,001$602$356$43
40 years$2,447$1,542$938$556$323$36
41 years$2,361$1,468$880$513$293$31
42 years$2,279$1,398$825$473$265$26
43 years$2,201$1,332$774$437$241$22
44 years$2,127$1,269$727$403$219$19
45 years$2,056$1,210$683$372$199$16
46 years$1,989$1,155$641$344$180$14
47 years$1,924$1,102$602$318$164$12
48 years$1,863$1,052$566$294$149$10
49 years$1,804$1,005$532$271$135$8
50 years$1,748$960$500$251$123$7

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,790,000, adding $4,175 every year, while hoping to spend $29,587 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: 42/30/28 Blend
51$1,790,000$1,790,000$1,790,000$1,790,000
52$1,976,887$1,882,017$1,854,272$2,043,554
53$2,147,049$1,942,755$1,884,909$2,152,687
54$2,333,576$2,005,478$1,915,582$2,267,700
55$2,538,105$2,070,252$1,946,259$2,391,695
56$2,762,442$2,137,144$1,976,909$2,525,518
57$3,008,573$2,206,226$2,007,497$2,670,102
58$3,278,687$2,277,570$2,037,987$2,826,471
59$3,575,194$2,351,252$2,068,341$2,995,756
60$3,900,751$2,427,350$2,098,517$3,179,197
61$4,258,282$2,505,945$2,128,472$3,378,161
62$4,651,010$2,587,120$2,158,160$3,594,154
63$5,082,486$2,670,962$2,187,531$3,828,830
64$5,556,620$2,757,560$2,216,534$4,084,014
65$6,077,722$2,847,006$2,245,114$4,361,713
66$6,650,536$2,939,396$2,273,212$4,664,137
67$7,280,294$3,034,830$2,300,768$4,993,721
68$7,972,757$3,133,409$2,327,716$5,353,143
69$8,734,271$3,235,239$2,353,988$5,745,357
70$9,571,831$3,340,431$2,379,511$6,173,612
71$10,493,142$3,449,096$2,404,209$6,641,488
72$11,506,694$3,561,353$2,428,001$7,152,929
73$12,621,841$3,677,323$2,450,803$7,712,277
74$13,848,889$3,797,132$2,472,525$8,324,317
75$15,199,193$3,920,910$2,493,072$8,994,318
76$16,685,267$4,048,790$2,512,347$9,728,085
77$18,320,897$4,180,914$2,530,243$10,532,014
78$20,121,273$4,317,423$2,546,651$11,413,147
79$22,103,135$4,458,469$2,561,455$12,379,248
80$24,284,926$4,604,205$2,574,535$13,438,864
81$26,686,968$4,754,791$2,585,762$14,601,417
82$29,331,655$4,910,392$2,595,001$15,877,284
83$32,243,663$5,071,180$2,602,113$17,277,899
84$35,450,182$5,237,333$2,606,949$18,815,860
85$38,981,172$5,409,034$2,609,353$20,505,046
86$42,869,647$5,586,472$2,609,162$22,360,752
87$47,151,988$5,769,846$2,606,205$24,399,827
88$51,868,280$5,959,358$2,600,303$26,640,838
89$57,062,699$6,155,221$2,591,267$29,104,242
90$62,783,919$6,357,652$2,578,900$31,812,581
91$69,085,580$6,566,878$2,562,994$34,790,692
92$76,026,789$6,783,134$2,543,334$38,065,942
93$83,672,676$7,006,662$2,519,690$41,668,490
94$92,095,015$7,237,715$2,491,826$45,631,564
95$101,372,896$7,476,553$2,459,492$49,991,780
96$111,593,474$7,723,446$2,422,427$54,789,488
97$122,852,787$7,978,673$2,380,357$60,069,146
98$135,256,668$8,242,525$2,332,996$65,879,747
99$148,921,742$8,515,303$2,280,045$72,275,278
100$163,976,523$8,797,316$2,221,190$79,315,227