Can I retire at age 52 with 1,900,000?

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 $1,900,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.4%
1 years$156,900$155,503$154,139$152,808$151,509$148,754
2 years$77,673$76,227$74,825$73,465$72,147$69,382
3 years$51,268$49,815$48,417$47,070$45,773$43,083
4 years$38,068$36,619$35,235$33,911$32,646$30,052
5 years$30,150$28,710$27,344$26,047$24,817$22,326
6 years$24,873$23,444$22,098$20,830$19,637$17,253
7 years$21,105$19,688$18,363$17,126$15,970$13,693
8 years$18,280$16,876$15,574$14,366$13,249$11,078
9 years$16,085$14,694$13,414$12,237$11,157$9,092
10 years$14,329$12,952$11,694$10,548$9,506$7,544
11 years$12,894$11,530$10,295$9,180$8,176$6,315
12 years$11,698$10,349$9,137$8,052$7,085$5,322
13 years$10,688$9,353$8,163$7,109$6,178$4,511
14 years$9,822$8,501$7,335$6,310$5,416$3,842
15 years$9,073$7,766$6,622$5,628$4,769$3,284
16 years$8,418$7,125$6,004$5,039$4,214$2,816
17 years$7,840$6,562$5,463$4,528$3,737$2,422
18 years$7,328$6,064$4,987$4,080$3,323$2,087
19 years$6,869$5,620$4,566$3,687$2,962$1,802
20 years$6,457$5,222$4,190$3,339$2,645$1,559
21 years$6,085$4,864$3,854$3,031$2,367$1,350
22 years$5,747$4,540$3,552$2,755$2,122$1,171
23 years$5,439$4,247$3,280$2,509$1,905$1,017
24 years$5,157$3,979$3,033$2,289$1,712$883
25 years$4,898$3,734$2,809$2,090$1,541$768
26 years$4,660$3,509$2,606$1,911$1,388$668
27 years$4,439$3,303$2,420$1,749$1,251$582
28 years$4,235$3,112$2,249$1,603$1,129$507
29 years$4,045$2,936$2,093$1,470$1,019$442
30 years$3,868$2,773$1,950$1,349$921$385
31 years$3,702$2,621$1,818$1,239$833$336
32 years$3,548$2,480$1,696$1,139$753$293
33 years$3,403$2,349$1,583$1,047$682$256
34 years$3,266$2,226$1,479$963$617$223
35 years$3,138$2,111$1,383$887$559$195
36 years$3,018$2,004$1,294$817$507$170
37 years$2,904$1,903$1,211$752$459$149
38 years$2,796$1,809$1,134$694$416$130
39 years$2,694$1,720$1,063$640$377$113
40 years$2,598$1,636$996$590$342$99
41 years$2,506$1,558$934$544$311$87
42 years$2,419$1,484$876$502$282$76
43 years$2,336$1,414$822$464$256$66
44 years$2,257$1,347$772$428$232$58
45 years$2,182$1,285$725$395$211$50
46 years$2,111$1,226$681$365$191$44
47 years$2,043$1,170$639$337$174$39
48 years$1,977$1,117$601$312$158$34
49 years$1,915$1,066$565$288$143$29
50 years$1,855$1,019$531$266$130$26

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,900,000, adding $2,934 every year, while hoping to spend $43,424 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: 52/36/12 Blend
51$1,900,000$1,900,000$1,900,000$1,900,000
52$2,096,826$1,996,126$1,966,676$2,199,064
53$2,264,500$2,047,734$1,986,357$2,320,755
54$2,447,821$2,100,415$2,005,242$2,448,150
55$2,648,339$2,154,175$2,023,258$2,585,704
56$2,867,762$2,209,022$2,040,329$2,734,387
57$3,107,968$2,264,959$2,056,375$2,895,268
58$3,371,028$2,321,989$2,071,311$3,069,524
59$3,659,220$2,380,114$2,085,048$3,258,451
60$3,975,056$2,439,334$2,097,491$3,463,475
61$4,321,298$2,499,648$2,108,543$3,686,168
62$4,700,991$2,561,052$2,118,101$3,928,261
63$5,117,489$2,623,541$2,126,054$4,191,659
64$5,574,485$2,687,107$2,132,290$4,478,463
65$6,076,048$2,751,740$2,136,687$4,790,985
66$6,626,659$2,817,429$2,139,119$5,131,774
67$7,231,254$2,884,159$2,139,456$5,503,635
68$7,895,271$2,951,912$2,137,556$5,909,661
69$8,624,700$3,020,667$2,133,276$6,353,261
70$9,426,140$3,090,401$2,126,462$6,838,186
71$10,306,862$3,161,085$2,116,953$7,368,573
72$11,274,874$3,232,690$2,104,583$7,948,979
73$12,338,999$3,305,180$2,089,175$8,584,425
74$13,508,959$3,378,516$2,070,544$9,280,445
75$14,795,463$3,452,654$2,048,498$10,043,135
76$16,210,311$3,527,545$2,022,834$10,879,214
77$17,766,504$3,603,136$1,993,339$11,796,085
78$19,478,365$3,679,367$1,959,794$12,801,906
79$21,361,675$3,756,173$1,921,964$13,905,668
80$23,433,824$3,833,483$1,879,607$15,117,277
81$25,713,969$3,911,218$1,832,469$16,447,653
82$28,223,220$3,989,295$1,780,284$17,908,826
83$30,984,838$4,067,620$1,722,772$19,514,057
84$34,024,450$4,146,092$1,659,644$21,277,957
85$37,370,297$4,224,603$1,590,595$23,216,631
86$41,053,493$4,303,034$1,515,306$25,347,824
87$45,108,325$4,381,259$1,433,444$27,691,096
88$49,572,573$4,459,139$1,344,663$30,268,001
89$54,487,865$4,536,526$1,248,598$33,102,292
90$59,900,071$4,613,260$1,144,870$36,220,148
91$65,859,737$4,689,169$1,033,083$39,650,420
92$72,422,560$4,764,068$912,821$43,424,903
93$79,649,912$4,837,758$783,651$47,578,638
94$87,609,422$4,910,027$645,123$52,150,243
95$96,375,612$4,980,647$496,763$57,182,278
96$106,030,599$5,049,373$338,079$62,721,645
97$116,664,872$5,115,944$168,556$68,820,037
98$128,378,143$5,180,080$0$75,534,421
99$141,280,293$5,241,483$0$82,929,162
100$155,492,400$5,299,833$0$91,095,005