Can I retire at age 52 with 1,800,000?

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 $1,800,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.6%
1 years$148,642$147,318$146,027$144,766$143,535$141,390
2 years$73,585$72,215$70,887$69,599$68,350$66,194
3 years$48,570$47,193$45,868$44,593$43,364$41,264
4 years$36,064$34,692$33,380$32,127$30,928$28,899
5 years$28,563$27,199$25,905$24,676$23,511$21,560
6 years$23,564$22,210$20,935$19,734$18,603$16,733
7 years$19,994$18,652$17,397$16,224$15,129$13,340
8 years$17,318$15,988$14,754$13,610$12,551$10,842
9 years$15,238$13,921$12,708$11,593$10,570$8,941
10 years$13,575$12,270$11,079$9,993$9,006$7,455
11 years$12,215$10,924$9,754$8,697$7,746$6,272
12 years$11,083$9,804$8,656$7,628$6,712$5,313
13 years$10,125$8,860$7,734$6,735$5,853$4,528
14 years$9,305$8,054$6,949$5,978$5,131$3,876
15 years$8,595$7,357$6,274$5,332$4,518$3,332
16 years$7,975$6,750$5,688$4,774$3,993$2,873
17 years$7,428$6,217$5,176$4,289$3,540$2,485
18 years$6,942$5,744$4,725$3,866$3,148$2,154
19 years$6,508$5,324$4,325$3,493$2,806$1,871
20 years$6,118$4,947$3,970$3,163$2,506$1,628
21 years$5,765$4,608$3,651$2,871$2,243$1,419
22 years$5,445$4,302$3,365$2,610$2,010$1,238
23 years$5,153$4,023$3,107$2,377$1,804$1,081
24 years$4,886$3,769$2,874$2,168$1,622$946
25 years$4,641$3,537$2,662$1,980$1,459$828
26 years$4,415$3,325$2,468$1,811$1,315$725
27 years$4,206$3,129$2,292$1,657$1,185$635
28 years$4,012$2,948$2,131$1,518$1,069$557
29 years$3,832$2,781$1,983$1,392$966$489
30 years$3,664$2,627$1,847$1,278$873$429
31 years$3,507$2,483$1,722$1,174$789$376
32 years$3,361$2,350$1,607$1,079$714$331
33 years$3,224$2,225$1,500$992$646$290
34 years$3,095$2,109$1,402$913$585$255
35 years$2,973$2,000$1,310$840$530$224
36 years$2,859$1,898$1,226$774$480$197
37 years$2,751$1,803$1,147$713$435$173
38 years$2,649$1,714$1,074$657$394$152
39 years$2,552$1,629$1,007$606$358$134
40 years$2,461$1,550$944$559$324$118
41 years$2,374$1,476$885$516$294$104
42 years$2,292$1,405$830$476$267$91
43 years$2,213$1,339$779$439$242$80
44 years$2,139$1,276$731$406$220$71
45 years$2,068$1,217$686$375$200$62
46 years$2,000$1,161$645$346$181$55
47 years$1,935$1,108$606$320$165$48
48 years$1,873$1,058$569$295$149$42
49 years$1,814$1,010$535$273$136$37
50 years$1,757$965$503$252$123$33

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,800,000, adding $4,824 every year, while hoping to spend $22,697 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: 56/20/24 Blend
51$1,800,000$1,800,000$1,800,000$1,800,000
52$1,988,576$1,893,176$1,865,276$2,086,668
53$2,167,261$1,961,792$1,903,613$2,223,027
54$2,363,412$2,033,010$1,942,474$2,368,713
55$2,578,785$2,106,932$1,981,852$2,526,959
56$2,815,317$2,183,668$2,021,740$2,698,981
57$3,075,140$2,263,329$2,062,129$2,886,117
58$3,360,604$2,346,031$2,103,010$3,089,838
59$3,674,297$2,431,898$2,144,373$3,311,765
60$4,019,071$2,521,057$2,186,204$3,553,682
61$4,398,066$2,613,638$2,228,492$3,817,551
62$4,814,744$2,709,782$2,271,222$4,105,534
63$5,272,917$2,809,630$2,314,377$4,420,010
64$5,776,787$2,913,334$2,357,941$4,763,598
65$6,330,981$3,021,050$2,401,894$5,139,183
66$6,940,599$3,132,940$2,446,216$5,549,942
67$7,611,260$3,249,174$2,490,884$5,999,371
68$8,349,155$3,369,929$2,535,874$6,491,322
69$9,161,103$3,495,390$2,581,160$7,030,037
70$10,054,620$3,625,749$2,626,714$7,620,187
71$11,037,987$3,761,207$2,672,505$8,266,916
72$12,120,329$3,901,972$2,718,501$8,975,891
73$13,311,698$4,048,264$2,764,666$9,753,355
74$14,623,172$4,200,310$2,810,963$10,606,180
75$16,066,957$4,358,347$2,857,352$11,541,941
76$17,656,503$4,522,623$2,903,790$12,568,978
77$19,406,631$4,693,396$2,950,231$13,696,481
78$21,333,670$4,870,935$2,996,627$14,934,571
79$23,455,616$5,055,522$3,042,925$16,294,400
80$25,792,296$5,247,450$3,089,071$17,788,252
81$28,365,561$5,447,025$3,135,005$19,429,661
82$31,199,485$5,654,567$3,180,664$21,233,536
83$34,320,600$5,870,408$3,225,984$23,216,303
84$37,758,139$6,094,896$3,270,893$25,396,059
85$41,544,318$6,328,395$3,315,317$27,792,742
86$45,714,635$6,571,283$3,359,176$30,428,318
87$50,308,208$6,823,955$3,402,388$33,326,992
88$55,368,141$7,086,825$3,444,864$36,515,427
89$60,941,935$7,360,323$3,486,511$40,023,006
90$67,081,932$7,644,900$3,527,229$43,882,099
91$73,845,813$7,941,023$3,566,915$48,128,375
92$81,297,138$8,249,185$3,605,459$52,801,135
93$89,505,948$8,569,897$3,642,744$57,943,680
94$98,549,427$8,903,694$3,678,647$63,603,725
95$108,512,627$9,251,134$3,713,041$69,833,843
96$119,489,275$9,612,800$3,745,788$76,691,962
97$131,582,655$9,989,301$3,776,745$84,241,913
98$144,906,582$10,381,272$3,805,762$92,554,031
99$159,586,478$10,789,379$3,832,680$101,705,816
100$175,760,555$11,214,315$3,857,331$111,782,666