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

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 $1,890,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.3%
1 years$156,074$154,684$153,328$152,004$150,711$145,654
2 years$77,265$75,826$74,431$73,079$71,767$66,722
3 years$50,998$49,553$48,162$46,822$45,532$40,657
4 years$37,867$36,427$35,049$33,733$32,474$27,807
5 years$29,991$28,559$27,200$25,910$24,686$20,239
6 years$24,742$23,320$21,981$20,720$19,533$15,310
7 years$20,994$19,585$18,267$17,035$15,886$11,886
8 years$18,184$16,788$15,492$14,291$13,179$9,399
9 years$16,000$14,617$13,343$12,172$11,098$7,534
10 years$14,254$12,884$11,633$10,493$9,456$6,102
11 years$12,826$11,470$10,241$9,132$8,133$4,981
12 years$11,637$10,295$9,089$8,010$7,048$4,092
13 years$10,632$9,303$8,120$7,071$6,146$3,379
14 years$9,771$8,456$7,296$6,277$5,387$2,801
15 years$9,025$7,725$6,587$5,598$4,743$2,330
16 years$8,373$7,088$5,972$5,013$4,192$1,943
17 years$7,799$6,527$5,435$4,504$3,717$1,625
18 years$7,289$6,032$4,961$4,059$3,305$1,360
19 years$6,833$5,590$4,542$3,667$2,946$1,141
20 years$6,424$5,195$4,168$3,322$2,631$958
21 years$6,053$4,839$3,834$3,015$2,355$805
22 years$5,717$4,517$3,534$2,741$2,111$678
23 years$5,411$4,224$3,263$2,496$1,895$571
24 years$5,130$3,958$3,017$2,277$1,703$481
25 years$4,873$3,714$2,795$2,079$1,532$405
26 years$4,635$3,491$2,592$1,901$1,380$342
27 years$4,416$3,285$2,407$1,740$1,245$288
28 years$4,212$3,096$2,237$1,594$1,123$243
29 years$4,023$2,920$2,082$1,462$1,014$205
30 years$3,847$2,758$1,939$1,342$916$173
31 years$3,683$2,607$1,808$1,232$828$146
32 years$3,529$2,467$1,687$1,133$749$124
33 years$3,385$2,336$1,575$1,041$678$104
34 years$3,249$2,214$1,472$958$614$88
35 years$3,122$2,100$1,376$882$556$75
36 years$3,002$1,993$1,287$812$504$63
37 years$2,888$1,893$1,205$749$457$53
38 years$2,781$1,799$1,128$690$414$45
39 years$2,680$1,711$1,057$636$375$38
40 years$2,584$1,628$991$587$341$32
41 years$2,493$1,550$929$541$309$27
42 years$2,406$1,476$871$500$280$23
43 years$2,324$1,406$818$461$254$19
44 years$2,246$1,340$768$426$231$16
45 years$2,171$1,278$721$393$210$14
46 years$2,100$1,219$677$363$190$12
47 years$2,032$1,164$636$336$173$10
48 years$1,967$1,111$598$310$157$8
49 years$1,905$1,061$562$287$143$7
50 years$1,845$1,013$528$265$129$6

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 $5,609 every year, while hoping to spend $26,465 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: 45/37/18 Blend
51$1,890,000$1,890,000$1,890,000$1,890,000
52$2,088,566$1,988,396$1,959,101$2,171,522
53$2,273,441$2,057,669$1,996,572$2,299,437
54$2,476,286$2,129,449$2,034,412$2,434,990
55$2,698,907$2,203,831$2,072,604$2,581,427
56$2,943,291$2,280,915$2,111,132$2,739,769
57$3,211,629$2,360,802$2,149,977$2,911,139
58$3,506,334$2,443,599$2,189,119$3,096,771
59$3,830,062$2,529,418$2,228,537$3,298,022
60$4,185,742$2,618,373$2,268,207$3,516,385
61$4,576,600$2,710,586$2,308,104$3,753,500
62$5,006,188$2,806,179$2,348,201$4,011,175
63$5,478,422$2,905,285$2,388,468$4,291,394
64$5,997,614$3,008,037$2,428,875$4,596,344
65$6,568,516$3,114,576$2,469,387$4,928,430
66$7,196,363$3,225,048$2,509,970$5,290,297
67$7,886,923$3,339,607$2,550,585$5,684,857
68$8,646,551$3,458,409$2,591,192$6,115,318
69$9,482,248$3,581,621$2,631,746$6,585,205
70$10,401,730$3,709,413$2,672,202$7,098,404
71$11,413,496$3,841,963$2,712,510$7,659,190
72$12,526,912$3,979,459$2,752,619$8,272,269
73$13,752,298$4,122,093$2,792,472$8,942,824
74$15,101,023$4,270,067$2,832,011$9,676,561
75$16,585,618$4,423,590$2,871,173$10,479,763
76$18,219,886$4,582,881$2,909,893$11,359,348
77$20,019,039$4,748,167$2,948,099$12,322,935
78$21,999,839$4,919,685$2,985,718$13,378,914
79$24,180,754$5,097,682$3,022,672$14,536,525
80$26,582,136$5,282,413$3,058,876$15,805,945
81$29,226,410$5,474,147$3,094,245$17,198,381
82$32,138,286$5,673,163$3,128,684$18,726,179
83$35,344,993$5,879,750$3,162,097$20,402,936
84$38,876,535$6,094,210$3,194,380$22,243,629
85$42,765,974$6,316,859$3,225,424$24,264,757
86$47,049,743$6,548,025$3,255,116$26,484,492
87$51,767,989$6,788,050$3,283,334$28,922,853
88$56,964,949$7,037,290$3,309,951$31,601,893
89$62,689,373$7,296,116$3,334,833$34,545,906
90$68,994,979$7,564,916$3,357,840$37,781,655
91$75,940,963$7,844,093$3,378,824$41,338,625
92$83,592,554$8,134,067$3,397,628$45,249,296
93$92,021,635$8,435,276$3,414,088$49,549,457
94$101,307,415$8,748,178$3,428,034$54,278,531
95$111,537,182$9,073,249$3,439,283$59,479,956
96$122,807,121$9,410,985$3,447,646$65,201,589
97$135,223,228$9,761,904$3,452,923$71,496,156
98$148,902,307$10,126,546$3,454,905$78,421,751
99$163,973,070$10,505,475$3,453,372$86,042,382
100$180,577,357$10,899,277$3,448,094$94,428,571