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%13.2%
1 years$148,642$147,318$146,027$144,766$143,535$141,624
2 years$73,585$72,215$70,887$69,599$68,350$66,428
3 years$48,570$47,193$45,868$44,593$43,364$41,490
4 years$36,064$34,692$33,380$32,127$30,928$29,117
5 years$28,563$27,199$25,905$24,676$23,511$21,768
6 years$23,564$22,210$20,935$19,734$18,603$16,931
7 years$19,994$18,652$17,397$16,224$15,129$13,528
8 years$17,318$15,988$14,754$13,610$12,551$11,021
9 years$15,238$13,921$12,708$11,593$10,570$9,109
10 years$13,575$12,270$11,079$9,993$9,006$7,614
11 years$12,215$10,924$9,754$8,697$7,746$6,421
12 years$11,083$9,804$8,656$7,628$6,712$5,454
13 years$10,125$8,860$7,734$6,735$5,853$4,660
14 years$9,305$8,054$6,949$5,978$5,131$4,000
15 years$8,595$7,357$6,274$5,332$4,518$3,448
16 years$7,975$6,750$5,688$4,774$3,993$2,981
17 years$7,428$6,217$5,176$4,289$3,540$2,586
18 years$6,942$5,744$4,725$3,866$3,148$2,248
19 years$6,508$5,324$4,325$3,493$2,806$1,958
20 years$6,118$4,947$3,970$3,163$2,506$1,709
21 years$5,765$4,608$3,651$2,871$2,243$1,494
22 years$5,445$4,302$3,365$2,610$2,010$1,308
23 years$5,153$4,023$3,107$2,377$1,804$1,146
24 years$4,886$3,769$2,874$2,168$1,622$1,005
25 years$4,641$3,537$2,662$1,980$1,459$882
26 years$4,415$3,325$2,468$1,811$1,315$775
27 years$4,206$3,129$2,292$1,657$1,185$681
28 years$4,012$2,948$2,131$1,518$1,069$599
29 years$3,832$2,781$1,983$1,392$966$528
30 years$3,664$2,627$1,847$1,278$873$464
31 years$3,507$2,483$1,722$1,174$789$409
32 years$3,361$2,350$1,607$1,079$714$361
33 years$3,224$2,225$1,500$992$646$318
34 years$3,095$2,109$1,402$913$585$280
35 years$2,973$2,000$1,310$840$530$247
36 years$2,859$1,898$1,226$774$480$218
37 years$2,751$1,803$1,147$713$435$192
38 years$2,649$1,714$1,074$657$394$170
39 years$2,552$1,629$1,007$606$358$150
40 years$2,461$1,550$944$559$324$132
41 years$2,374$1,476$885$516$294$117
42 years$2,292$1,405$830$476$267$103
43 years$2,213$1,339$779$439$242$91
44 years$2,139$1,276$731$406$220$80
45 years$2,068$1,217$686$375$200$71
46 years$2,000$1,161$645$346$181$63
47 years$1,935$1,108$606$320$165$55
48 years$1,873$1,058$569$295$149$49
49 years$1,814$1,010$535$273$136$43
50 years$1,757$965$503$252$123$38

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 $3,820 every year, while hoping to spend $25,443 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: 56/28/16 Blend
51$1,800,000$1,800,000$1,800,000$1,800,000
52$1,987,540$1,892,140$1,864,240$2,090,281
53$2,163,198$1,957,784$1,899,621$2,226,177
54$2,355,921$2,025,792$1,935,335$2,371,056
55$2,567,421$2,096,252$1,971,365$2,528,298
56$2,799,587$2,169,257$2,007,695$2,699,092
57$3,054,498$2,244,904$2,044,306$2,884,747
58$3,334,445$2,323,293$2,081,178$3,086,703
59$3,641,951$2,404,526$2,118,290$3,306,543
60$3,979,795$2,488,713$2,155,617$3,546,011
61$4,351,039$2,575,965$2,193,136$3,807,026
62$4,759,058$2,666,400$2,230,819$4,091,700
63$5,207,567$2,760,139$2,268,636$4,402,356
64$5,700,661$2,857,308$2,306,558$4,741,555
65$6,242,852$2,958,040$2,344,551$5,112,112
66$6,839,109$3,062,469$2,382,579$5,517,130
67$7,494,907$3,170,740$2,420,605$5,960,023
68$8,216,281$3,283,000$2,458,589$6,444,551
69$9,009,877$3,399,402$2,496,487$6,974,855
70$9,883,019$3,520,107$2,534,254$7,555,494
71$10,843,777$3,645,283$2,571,842$8,191,489
72$11,901,042$3,775,101$2,609,198$8,888,370
73$13,064,611$3,909,744$2,646,269$9,652,226
74$14,345,279$4,049,398$2,682,996$10,489,764
75$15,754,938$4,194,260$2,719,317$11,408,373
76$17,306,696$4,344,533$2,755,169$12,416,189
77$19,014,993$4,500,429$2,790,481$13,522,175
78$20,895,741$4,662,169$2,825,181$14,736,203
79$22,966,474$4,829,982$2,859,192$16,069,149
80$25,246,512$5,004,109$2,892,432$17,532,993
81$27,757,144$5,184,797$2,924,816$19,140,931
82$30,521,827$5,372,308$2,956,252$20,907,501
83$33,566,413$5,566,910$2,986,646$22,848,720
84$36,919,384$5,768,885$3,015,895$24,982,231
85$40,612,127$5,978,527$3,043,894$27,327,472
86$44,679,230$6,196,141$3,070,530$29,905,860
87$49,158,805$6,422,045$3,095,686$32,740,988
88$54,092,848$6,656,570$3,119,237$35,858,851
89$59,527,639$6,900,062$3,141,051$39,288,087
90$65,514,174$7,152,881$3,160,992$43,060,251
91$72,108,649$7,415,401$3,178,915$47,210,110
92$79,372,989$7,688,014$3,194,667$51,775,967
93$87,375,434$7,971,127$3,208,088$56,800,029
94$96,191,180$8,265,164$3,219,011$62,328,797
95$105,903,090$8,570,567$3,227,258$68,413,510
96$116,602,479$8,887,798$3,232,644$75,110,624
97$128,389,969$9,217,338$3,234,975$82,482,344
98$141,376,445$9,559,687$3,234,046$90,597,214
99$155,684,099$9,915,368$3,229,643$99,530,758
100$171,447,582$10,284,926$3,221,541$109,366,196