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%15.7%
1 years$149,468$148,137$146,838$145,570$144,332$140,957
2 years$73,994$72,616$71,280$69,986$68,729$65,349
3 years$48,839$47,455$46,123$44,840$43,605$40,324
4 years$36,265$34,885$33,566$32,305$31,099$27,943
5 years$28,722$27,350$26,048$24,813$23,641$20,618
6 years$23,695$22,333$21,051$19,843$18,706$15,821
7 years$20,105$18,756$17,494$16,314$15,213$12,465
8 years$17,414$16,077$14,836$13,686$12,621$10,008
9 years$15,323$13,998$12,778$11,657$10,629$8,150
10 years$13,650$12,338$11,140$10,049$9,056$6,709
11 years$12,283$10,984$9,808$8,745$7,789$5,569
12 years$11,144$9,859$8,704$7,671$6,749$4,655
13 years$10,182$8,909$7,777$6,772$5,886$3,911
14 years$9,357$8,098$6,987$6,012$5,159$3,301
15 years$8,643$7,398$6,309$5,361$4,543$2,797
16 years$8,019$6,788$5,720$4,800$4,015$2,377
17 years$7,469$6,251$5,205$4,313$3,560$2,025
18 years$6,980$5,776$4,751$3,887$3,165$1,728
19 years$6,544$5,353$4,349$3,512$2,821$1,478
20 years$6,152$4,975$3,992$3,181$2,520$1,266
21 years$5,797$4,634$3,672$2,887$2,255$1,086
22 years$5,475$4,325$3,384$2,625$2,021$932
23 years$5,182$4,045$3,124$2,391$1,815$801
24 years$4,913$3,790$2,890$2,180$1,631$689
25 years$4,666$3,557$2,676$1,991$1,468$593
26 years$4,439$3,343$2,482$1,821$1,322$511
27 years$4,229$3,146$2,305$1,666$1,192$440
28 years$4,034$2,965$2,143$1,527$1,075$379
29 years$3,853$2,797$1,994$1,400$971$327
30 years$3,684$2,641$1,857$1,285$877$282
31 years$3,527$2,497$1,732$1,180$793$243
32 years$3,380$2,363$1,616$1,085$718$210
33 years$3,241$2,237$1,508$997$649$181
34 years$3,112$2,121$1,409$918$588$157
35 years$2,990$2,011$1,318$845$533$135
36 years$2,875$1,909$1,233$778$483$117
37 years$2,766$1,813$1,154$717$437$101
38 years$2,664$1,723$1,080$661$396$87
39 years$2,567$1,639$1,012$609$360$75
40 years$2,475$1,559$949$562$326$65
41 years$2,387$1,484$890$518$296$56
42 years$2,304$1,413$835$478$268$49
43 years$2,226$1,347$783$442$244$42
44 years$2,151$1,284$735$408$221$36
45 years$2,079$1,224$690$377$201$31
46 years$2,011$1,168$648$348$182$27
47 years$1,946$1,114$609$321$166$23
48 years$1,884$1,064$572$297$150$20
49 years$1,824$1,016$538$274$137$17
50 years$1,767$970$506$254$124$15

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 $4,282 every year, while hoping to spend $30,776 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: 62/23/15 Blend
51$1,810,000$1,810,000$1,810,000$1,810,000
52$1,999,037$1,903,107$1,875,052$2,115,313
53$2,170,193$1,963,614$1,905,121$2,254,470
54$2,357,776$2,026,054$1,935,165$2,402,438
55$2,563,428$2,090,490$1,965,152$2,563,228
56$2,788,960$2,156,985$1,995,047$2,738,085
57$3,036,363$2,225,607$2,024,810$2,928,382
58$3,307,834$2,296,424$2,054,403$3,135,628
59$3,605,790$2,369,506$2,083,783$3,361,486
60$3,932,896$2,444,927$2,112,905$3,607,788
61$4,292,085$2,522,761$2,141,721$3,876,549
62$4,686,589$2,603,088$2,170,180$4,169,987
63$5,119,968$2,685,987$2,198,228$4,490,547
64$5,596,146$2,771,542$2,225,810$4,840,921
65$6,119,444$2,859,838$2,252,865$5,224,071
66$6,694,621$2,950,963$2,279,330$5,643,263
67$7,326,922$3,045,011$2,305,138$6,102,091
68$8,022,126$3,142,074$2,330,218$6,604,515
69$8,786,599$3,242,251$2,354,495$7,154,897
70$9,627,353$3,345,643$2,377,892$7,758,041
71$10,552,116$3,452,353$2,400,325$8,419,239
72$11,569,403$3,562,489$2,421,707$9,144,321
73$12,688,594$3,676,162$2,441,946$9,939,708
74$13,920,024$3,793,488$2,460,944$10,812,475
75$15,275,081$3,914,584$2,478,601$11,770,416
76$16,766,314$4,039,573$2,494,809$12,822,117
77$18,407,547$4,168,581$2,509,454$13,977,037
78$20,214,015$4,301,740$2,522,419$15,245,598
79$22,202,503$4,439,183$2,533,578$16,639,281
80$24,391,507$4,581,051$2,542,801$18,170,738
81$26,801,405$4,727,488$2,549,950$19,853,906
82$29,454,656$4,878,642$2,554,880$21,704,141
83$32,376,002$5,034,667$2,557,440$23,738,364
84$35,592,710$5,195,721$2,557,470$25,975,218
85$39,134,825$5,361,970$2,554,804$28,435,245
86$43,035,452$5,533,582$2,549,265$31,141,077
87$47,331,074$5,710,732$2,540,671$34,117,654
88$52,061,887$5,893,603$2,528,827$37,392,456
89$57,272,190$6,082,379$2,513,533$40,995,761
90$63,010,793$6,277,256$2,494,576$44,960,934
91$69,331,484$6,478,431$2,471,735$49,324,738
92$76,293,534$6,686,113$2,444,776$54,127,684
93$83,962,255$6,900,513$2,413,457$59,414,409
94$92,409,620$7,121,853$2,377,522$65,234,102
95$101,714,936$7,350,359$2,336,705$71,640,963
96$111,965,601$7,586,268$2,290,726$78,694,719
97$123,257,919$7,829,822$2,239,292$86,461,182
98$135,698,017$8,081,273$2,182,098$95,012,877
99$149,402,839$8,340,880$2,118,823$104,429,717
100$164,501,258$8,608,912$2,049,133$114,799,766