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

Use the below retirement simulation to view the chances of a successful retirement.
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%11.1%
1 years$148,642$147,318$146,027$144,766$143,535$142,870
2 years$73,585$72,215$70,887$69,599$68,350$67,679
3 years$48,570$47,193$45,868$44,593$43,364$42,707
4 years$36,064$34,692$33,380$32,127$30,928$30,290
5 years$28,563$27,199$25,905$24,676$23,511$22,895
6 years$23,564$22,210$20,935$19,734$18,603$18,010
7 years$19,994$18,652$17,397$16,224$15,129$14,559
8 years$17,318$15,988$14,754$13,610$12,551$12,003
9 years$15,238$13,921$12,708$11,593$10,570$10,044
10 years$13,575$12,270$11,079$9,993$9,006$8,503
11 years$12,215$10,924$9,754$8,697$7,746$7,264
12 years$11,083$9,804$8,656$7,628$6,712$6,252
13 years$10,125$8,860$7,734$6,735$5,853$5,414
14 years$9,305$8,054$6,949$5,978$5,131$4,713
15 years$8,595$7,357$6,274$5,332$4,518$4,119
16 years$7,975$6,750$5,688$4,774$3,993$3,614
17 years$7,428$6,217$5,176$4,289$3,540$3,181
18 years$6,942$5,744$4,725$3,866$3,148$2,807
19 years$6,508$5,324$4,325$3,493$2,806$2,482
20 years$6,118$4,947$3,970$3,163$2,506$2,200
21 years$5,765$4,608$3,651$2,871$2,243$1,953
22 years$5,445$4,302$3,365$2,610$2,010$1,737
23 years$5,153$4,023$3,107$2,377$1,804$1,546
24 years$4,886$3,769$2,874$2,168$1,622$1,378
25 years$4,641$3,537$2,662$1,980$1,459$1,230
26 years$4,415$3,325$2,468$1,811$1,315$1,098
27 years$4,206$3,129$2,292$1,657$1,185$982
28 years$4,012$2,948$2,131$1,518$1,069$878
29 years$3,832$2,781$1,983$1,392$966$786
30 years$3,664$2,627$1,847$1,278$873$704
31 years$3,507$2,483$1,722$1,174$789$631
32 years$3,361$2,350$1,607$1,079$714$566
33 years$3,224$2,225$1,500$992$646$507
34 years$3,095$2,109$1,402$913$585$455
35 years$2,973$2,000$1,310$840$530$409
36 years$2,859$1,898$1,226$774$480$367
37 years$2,751$1,803$1,147$713$435$329
38 years$2,649$1,714$1,074$657$394$296
39 years$2,552$1,629$1,007$606$358$266
40 years$2,461$1,550$944$559$324$239
41 years$2,374$1,476$885$516$294$215
42 years$2,292$1,405$830$476$267$193
43 years$2,213$1,339$779$439$242$173
44 years$2,139$1,276$731$406$220$156
45 years$2,068$1,217$686$375$200$140
46 years$2,000$1,161$645$346$181$126
47 years$1,935$1,108$606$320$165$113
48 years$1,873$1,058$569$295$149$102
49 years$1,814$1,010$535$273$136$92
50 years$1,757$965$503$252$123$83

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 $3,654 every year, while hoping to spend $52,604 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: 37/40/23 Blend
51$1,800,000$1,800,000$1,800,000$1,800,000
52$1,987,369$1,891,969$1,864,069$2,047,053
53$2,134,111$1,928,705$1,870,545$2,127,725
54$2,294,056$1,965,479$1,875,475$2,209,658
55$2,468,498$2,002,235$1,878,752$2,297,106
56$2,658,857$2,038,917$1,880,262$2,390,595
57$2,866,698$2,075,461$1,879,888$2,490,711
58$3,093,743$2,111,800$1,877,506$2,598,098
59$3,341,887$2,147,861$1,872,985$2,713,466
60$3,613,218$2,183,565$1,866,188$2,837,603
61$3,910,035$2,218,828$1,856,974$2,971,375
62$4,234,867$2,253,559$1,845,191$3,115,742
63$4,590,501$2,287,661$1,830,683$3,271,761
64$4,980,006$2,321,031$1,813,285$3,440,600
65$5,406,761$2,353,555$1,792,824$3,623,550
66$5,874,487$2,385,115$1,769,120$3,822,035
67$6,387,282$2,415,583$1,741,983$4,037,627
68$6,949,660$2,444,823$1,711,215$4,272,064
69$7,566,594$2,472,688$1,676,609$4,527,261
70$8,243,559$2,499,022$1,637,948$4,805,335
71$8,986,588$2,523,659$1,595,005$5,108,622
72$9,802,324$2,546,423$1,547,542$5,439,700
73$10,698,087$2,567,124$1,495,310$5,801,415
74$11,681,940$2,585,561$1,438,051$6,196,910
75$12,762,764$2,601,519$1,375,492$6,629,651
76$13,950,344$2,614,772$1,307,349$7,103,464
77$15,255,459$2,625,076$1,233,325$7,622,574
78$16,689,984$2,632,173$1,153,110$8,191,639
79$18,267,003$2,635,790$1,066,380$8,815,803
80$20,000,929$2,635,635$972,795$9,500,741
81$21,907,642$2,631,400$872,002$10,252,713
82$24,004,639$2,622,755$763,631$11,078,628
83$26,311,195$2,609,353$647,296$11,986,108
84$28,848,550$2,590,824$522,593$12,983,562
85$31,640,103$2,566,776$389,102$14,080,268
86$34,711,639$2,536,793$246,382$15,286,459
87$38,091,565$2,500,435$93,974$16,613,426
88$41,811,182$2,457,234$0$18,073,620
89$45,904,981$2,406,697$0$19,697,632
90$50,410,962$2,348,298$0$21,509,467
91$55,370,998$2,281,483$0$23,502,877
92$60,831,230$2,205,665$0$25,696,430
93$66,842,495$2,120,222$0$28,110,591
94$73,460,813$2,024,497$0$30,767,925
95$80,747,912$1,917,793$0$33,693,308
96$88,771,809$1,799,375$0$36,914,164
97$97,607,453$1,668,464$0$40,460,724
98$107,337,432$1,524,237$0$44,366,316
99$118,052,750$1,365,825$0$48,667,681
100$129,853,688$1,192,308$0$53,405,320