Can I retire at age 52 with 1,810,000?

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 $1,810,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.6%
1 years$149,468$148,137$146,838$145,570$144,332$143,362
2 years$73,994$72,616$71,280$69,986$68,729$67,752
3 years$48,839$47,455$46,123$44,840$43,605$42,649
4 years$36,265$34,885$33,566$32,305$31,099$30,173
5 years$28,722$27,350$26,048$24,813$23,641$22,747
6 years$23,695$22,333$21,051$19,843$18,706$17,845
7 years$20,105$18,756$17,494$16,314$15,213$14,386
8 years$17,414$16,077$14,836$13,686$12,621$11,827
9 years$15,323$13,998$12,778$11,657$10,629$9,868
10 years$13,650$12,338$11,140$10,049$9,056$8,329
11 years$12,283$10,984$9,808$8,745$7,789$7,094
12 years$11,144$9,859$8,704$7,671$6,749$6,087
13 years$10,182$8,909$7,777$6,772$5,886$5,254
14 years$9,357$8,098$6,987$6,012$5,159$4,558
15 years$8,643$7,398$6,309$5,361$4,543$3,971
16 years$8,019$6,788$5,720$4,800$4,015$3,472
17 years$7,469$6,251$5,205$4,313$3,560$3,045
18 years$6,980$5,776$4,751$3,887$3,165$2,678
19 years$6,544$5,353$4,349$3,512$2,821$2,360
20 years$6,152$4,975$3,992$3,181$2,520$2,084
21 years$5,797$4,634$3,672$2,887$2,255$1,843
22 years$5,475$4,325$3,384$2,625$2,021$1,633
23 years$5,182$4,045$3,124$2,391$1,815$1,448
24 years$4,913$3,790$2,890$2,180$1,631$1,286
25 years$4,666$3,557$2,676$1,991$1,468$1,143
26 years$4,439$3,343$2,482$1,821$1,322$1,017
27 years$4,229$3,146$2,305$1,666$1,192$906
28 years$4,034$2,965$2,143$1,527$1,075$807
29 years$3,853$2,797$1,994$1,400$971$719
30 years$3,684$2,641$1,857$1,285$877$642
31 years$3,527$2,497$1,732$1,180$793$573
32 years$3,380$2,363$1,616$1,085$718$511
33 years$3,241$2,237$1,508$997$649$457
34 years$3,112$2,121$1,409$918$588$408
35 years$2,990$2,011$1,318$845$533$365
36 years$2,875$1,909$1,233$778$483$326
37 years$2,766$1,813$1,154$717$437$292
38 years$2,664$1,723$1,080$661$396$261
39 years$2,567$1,639$1,012$609$360$233
40 years$2,475$1,559$949$562$326$209
41 years$2,387$1,484$890$518$296$187
42 years$2,304$1,413$835$478$268$167
43 years$2,226$1,347$783$442$244$150
44 years$2,151$1,284$735$408$221$134
45 years$2,079$1,224$690$377$201$120
46 years$2,011$1,168$648$348$182$107
47 years$1,946$1,114$609$321$166$96
48 years$1,884$1,064$572$297$150$86
49 years$1,824$1,016$538$274$137$77
50 years$1,767$970$506$254$124$69

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,810,000, adding $4,031 every year, while hoping to spend $21,476 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: 82/7/11 Blend
51$1,810,000$1,810,000$1,810,000$1,810,000
52$1,998,778$1,902,848$1,874,793$2,158,660
53$2,179,803$1,973,237$1,914,748$2,334,404
54$2,378,573$2,046,356$1,955,322$2,524,067
55$2,596,875$2,122,315$1,996,513$2,731,662
56$2,836,678$2,201,230$2,038,318$2,958,974
57$3,100,150$2,283,222$2,080,733$3,207,973
58$3,389,682$2,368,416$2,123,754$3,480,826
59$3,707,906$2,456,945$2,167,376$3,779,922
60$4,057,722$2,548,944$2,211,593$4,107,891
61$4,442,325$2,644,558$2,256,396$4,467,628
62$4,865,234$2,743,934$2,301,778$4,862,326
63$5,330,329$2,847,227$2,347,728$5,295,500
64$5,841,882$2,954,601$2,394,237$5,771,020
65$6,404,601$3,066,223$2,441,291$6,293,154
66$7,023,673$3,182,271$2,488,877$6,866,598
67$7,704,813$3,302,928$2,536,980$7,496,529
68$8,454,319$3,428,385$2,585,583$8,188,651
69$9,279,127$3,558,845$2,634,668$8,949,245
70$10,186,884$3,694,514$2,684,215$9,785,233
71$11,186,013$3,835,611$2,734,203$10,704,240
72$12,285,795$3,982,365$2,784,607$11,714,667
73$13,496,457$4,135,012$2,835,403$12,825,771
74$14,829,268$4,293,800$2,886,561$14,047,750
75$16,296,645$4,458,988$2,938,053$15,391,840
76$17,912,271$4,630,847$2,989,846$16,870,420
77$19,691,222$4,809,657$3,041,905$18,497,133
78$21,650,110$4,995,714$3,094,192$20,287,007
79$23,807,243$5,189,325$3,146,669$22,256,603
80$26,182,790$5,390,811$3,199,291$24,424,166
81$28,798,981$5,600,507$3,252,013$26,809,803
82$31,680,307$5,818,762$3,304,786$29,435,667
83$34,853,760$6,045,943$3,357,558$32,326,168
84$38,349,080$6,282,430$3,410,272$35,508,202
85$42,199,040$6,528,623$3,462,870$39,011,408
86$46,439,754$6,784,937$3,515,288$42,868,443
87$51,111,017$7,051,808$3,567,459$47,115,293
88$56,256,684$7,329,689$3,619,311$51,791,610
89$61,925,077$7,619,056$3,670,770$56,941,089
90$68,169,448$7,920,402$3,721,754$62,611,876
91$75,048,477$8,234,248$3,772,178$68,857,025
92$82,626,828$8,561,132$3,821,952$75,735,001
93$90,975,758$8,901,622$3,870,982$83,310,223
94$100,173,791$9,256,306$3,919,165$91,653,681
95$110,307,455$9,625,803$3,966,395$100,843,600
96$121,472,106$10,010,758$4,012,559$110,966,181
97$133,772,819$10,411,843$4,057,538$122,116,411
98$147,325,388$10,829,765$4,101,207$134,398,962
99$162,257,413$11,265,259$4,143,433$147,929,179
100$178,709,507$11,719,094$4,184,075$162,834,167