Can I retire at age 52 with 1,820,000?

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 $1,820,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.3%
1 years$150,294$148,955$147,649$146,374$145,129$144,336
2 years$74,403$73,017$71,674$70,372$69,109$68,308
3 years$49,109$47,718$46,378$45,088$43,846$43,063
4 years$36,465$35,077$33,751$32,483$31,271$30,512
5 years$28,880$27,501$26,192$24,950$23,772$23,038
6 years$23,825$22,457$21,167$19,953$18,810$18,103
7 years$20,216$18,859$17,590$16,405$15,297$14,618
8 years$17,511$16,166$14,918$13,761$12,691$12,038
9 years$15,407$14,075$12,849$11,722$10,687$10,062
10 years$13,726$12,407$11,202$10,104$9,106$8,508
11 years$12,351$11,045$9,862$8,794$7,832$7,259
12 years$11,206$9,913$8,752$7,713$6,787$6,240
13 years$10,238$8,959$7,820$6,810$5,918$5,397
14 years$9,409$8,143$7,026$6,045$5,188$4,692
15 years$8,691$7,439$6,343$5,391$4,568$4,096
16 years$8,063$6,825$5,751$4,827$4,037$3,588
17 years$7,510$6,286$5,233$4,337$3,579$3,154
18 years$7,019$5,808$4,777$3,908$3,183$2,779
19 years$6,580$5,383$4,373$3,532$2,837$2,454
20 years$6,186$5,002$4,014$3,199$2,534$2,172
21 years$5,829$4,659$3,692$2,903$2,268$1,925
22 years$5,505$4,349$3,403$2,639$2,033$1,709
23 years$5,210$4,068$3,142$2,404$1,825$1,520
24 years$4,940$3,811$2,906$2,192$1,640$1,353
25 years$4,692$3,577$2,691$2,002$1,476$1,205
26 years$4,464$3,362$2,496$1,831$1,329$1,075
27 years$4,252$3,164$2,318$1,676$1,198$959
28 years$4,056$2,981$2,155$1,535$1,081$857
29 years$3,874$2,812$2,005$1,408$976$766
30 years$3,705$2,656$1,868$1,292$882$685
31 years$3,546$2,511$1,741$1,187$798$613
32 years$3,398$2,376$1,624$1,091$722$548
33 years$3,259$2,250$1,517$1,003$653$491
34 years$3,129$2,132$1,417$923$591$440
35 years$3,006$2,022$1,325$849$535$394
36 years$2,891$1,920$1,239$782$485$353
37 years$2,781$1,823$1,160$721$440$317
38 years$2,678$1,733$1,086$664$399$284
39 years$2,581$1,648$1,018$613$362$255
40 years$2,488$1,568$954$565$328$228
41 years$2,400$1,492$895$521$297$205
42 years$2,317$1,421$839$481$270$184
43 years$2,238$1,354$787$444$245$165
44 years$2,162$1,291$739$410$222$148
45 years$2,091$1,231$694$379$202$133
46 years$2,022$1,174$652$350$183$119
47 years$1,957$1,120$612$323$166$107
48 years$1,894$1,070$575$299$151$96
49 years$1,834$1,021$541$276$137$86
50 years$1,777$976$509$255$125$78

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,820,000, adding $6,022 every year, while hoping to spend $25,638 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: 71/9/20 Blend
51$1,820,000$1,820,000$1,820,000$1,820,000
52$2,011,852$1,915,392$1,887,182$2,144,507
53$2,189,782$1,981,967$1,923,124$2,300,235
54$2,385,002$2,050,946$1,959,410$2,467,063
55$2,599,248$2,122,418$1,996,026$2,649,084
56$2,834,432$2,196,478$2,032,955$2,847,799
57$3,092,663$2,273,224$2,070,177$3,064,862
58$3,376,260$2,352,757$2,107,674$3,302,094
59$3,687,781$2,435,185$2,145,423$3,561,503
60$4,030,042$2,520,616$2,183,402$3,845,297
61$4,406,146$2,609,166$2,221,585$4,155,910
62$4,819,511$2,700,953$2,259,947$4,496,022
63$5,273,904$2,796,102$2,298,458$4,868,586
64$5,773,472$2,894,742$2,337,087$5,276,854
65$6,322,789$2,997,006$2,375,801$5,724,408
66$6,926,888$3,103,035$2,414,566$6,215,194
67$7,591,320$3,212,973$2,453,343$6,753,561
68$8,322,198$3,326,971$2,492,093$7,344,297
69$9,126,257$3,445,188$2,530,773$7,992,679
70$10,010,918$3,567,785$2,569,337$8,704,519
71$10,984,359$3,694,934$2,607,737$9,486,222
72$12,055,589$3,826,811$2,645,922$10,344,843
73$13,234,536$3,963,602$2,683,837$11,288,156
74$14,532,138$4,105,497$2,721,424$12,324,724
75$15,960,447$4,252,698$2,758,623$13,463,985
76$17,532,743$4,405,411$2,795,368$14,716,336
77$19,263,660$4,563,853$2,831,590$16,093,233
78$21,169,322$4,728,250$2,867,216$17,607,296
79$23,267,495$4,898,837$2,902,171$19,272,435
80$25,577,758$5,075,858$2,936,371$21,103,973
81$28,121,682$5,259,568$2,969,733$23,118,796
82$30,923,039$5,450,232$3,002,164$25,335,509
83$34,008,022$5,648,126$3,033,569$27,774,612
84$37,405,494$5,853,538$3,063,848$30,458,696
85$41,147,261$6,066,769$3,092,894$33,412,652
86$45,268,371$6,288,129$3,120,594$36,663,908
87$49,807,442$6,517,944$3,146,831$40,242,688
88$54,807,032$6,756,555$3,171,481$44,182,296
89$60,314,035$7,004,312$3,194,412$48,519,429
90$66,380,129$7,261,586$3,215,487$53,294,527
91$73,062,258$7,528,759$3,234,561$58,552,150
92$80,423,171$7,806,231$3,251,482$64,341,402
93$88,532,017$8,094,419$3,266,089$70,716,393
94$97,464,994$8,393,757$3,278,215$77,736,749
95$107,306,070$8,704,698$3,287,682$85,468,172
96$118,147,775$9,027,714$3,294,305$93,983,068
97$130,092,074$9,363,297$3,297,889$103,361,222
98$143,251,327$9,711,960$3,298,230$113,690,553
99$157,749,355$10,074,239$3,295,114$125,067,949
100$173,722,603$10,450,690$3,288,314$137,600,171