Can I retire at age 52 with 1,830,000?

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 $1,830,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.1%
1 years$151,120$149,774$148,460$147,178$145,927$142,864
2 years$74,812$73,418$72,068$70,759$69,489$66,417
3 years$49,379$47,980$46,633$45,336$44,087$41,102
4 years$36,665$35,270$33,937$32,662$31,443$28,569
5 years$29,039$27,652$26,336$25,088$23,902$21,147
6 years$23,956$22,580$21,284$20,063$18,913$16,279
7 years$20,327$18,963$17,687$16,495$15,381$12,869
8 years$17,607$16,255$15,000$13,837$12,760$10,370
9 years$15,492$14,153$12,919$11,786$10,746$8,475
10 years$13,801$12,475$11,263$10,160$9,156$7,002
11 years$12,419$11,106$9,916$8,842$7,875$5,835
12 years$11,267$9,968$8,800$7,756$6,824$4,896
13 years$10,294$9,008$7,862$6,847$5,951$4,131
14 years$9,460$8,188$7,064$6,078$5,216$3,501
15 years$8,739$7,480$6,378$5,421$4,593$2,978
16 years$8,108$6,863$5,783$4,853$4,059$2,541
17 years$7,551$6,320$5,262$4,361$3,599$2,174
18 years$7,058$5,840$4,804$3,930$3,200$1,864
19 years$6,616$5,413$4,398$3,551$2,852$1,602
20 years$6,220$5,030$4,036$3,216$2,548$1,378
21 years$5,861$4,685$3,712$2,919$2,280$1,187
22 years$5,536$4,373$3,421$2,654$2,044$1,024
23 years$5,239$4,090$3,159$2,417$1,835$884
24 years$4,967$3,832$2,922$2,204$1,649$764
25 years$4,718$3,596$2,706$2,013$1,484$661
26 years$4,488$3,380$2,510$1,841$1,337$572
27 years$4,276$3,181$2,330$1,685$1,205$495
28 years$4,079$2,997$2,166$1,544$1,087$429
29 years$3,896$2,828$2,016$1,416$982$372
30 years$3,725$2,670$1,878$1,299$887$322
31 years$3,566$2,524$1,751$1,193$802$279
32 years$3,417$2,389$1,633$1,097$726$242
33 years$3,277$2,262$1,525$1,008$657$210
34 years$3,146$2,144$1,425$928$594$182
35 years$3,023$2,034$1,332$854$538$158
36 years$2,906$1,930$1,246$787$488$137
37 years$2,797$1,833$1,167$725$442$119
38 years$2,693$1,742$1,092$668$401$104
39 years$2,595$1,657$1,023$616$364$90
40 years$2,502$1,576$959$568$330$78
41 years$2,414$1,500$899$524$299$68
42 years$2,330$1,429$844$484$271$59
43 years$2,250$1,361$792$447$246$51
44 years$2,174$1,298$743$412$224$44
45 years$2,102$1,237$698$381$203$39
46 years$2,033$1,181$655$352$184$34
47 years$1,967$1,127$616$325$167$29
48 years$1,904$1,075$579$300$152$25
49 years$1,844$1,027$544$278$138$22
50 years$1,787$981$511$257$125$19

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,830,000, adding $2,059 every year, while hoping to spend $43,117 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: 64/26/10 Blend
51$1,830,000$1,830,000$1,830,000$1,830,000
52$2,018,784$1,921,794$1,893,429$2,143,471
53$2,178,824$1,970,086$1,910,983$2,275,235
54$2,353,742$2,019,299$1,927,679$2,413,867
55$2,545,012$2,069,432$1,943,445$2,564,190
56$2,754,254$2,120,485$1,958,201$2,727,338
57$2,983,253$2,172,453$1,971,865$2,904,561
58$3,233,973$2,225,332$1,984,351$3,097,235
59$3,508,579$2,279,115$1,995,568$3,306,875
60$3,809,455$2,333,792$2,005,420$3,535,149
61$4,139,224$2,389,352$2,013,806$3,783,895
62$4,500,778$2,445,783$2,020,622$4,055,138
63$4,897,300$2,503,069$2,025,755$4,351,107
64$5,332,296$2,561,192$2,029,090$4,674,258
65$5,809,630$2,620,129$2,030,503$5,027,298
66$6,333,554$2,679,858$2,029,868$5,413,207
67$6,908,757$2,740,351$2,027,048$5,835,270
68$7,540,399$2,801,578$2,021,904$6,297,103
69$8,234,168$2,863,503$2,014,286$6,802,694
70$8,996,328$2,926,089$2,004,038$7,356,433
71$9,833,779$2,989,294$1,991,000$7,963,161
72$10,754,125$3,053,069$1,974,999$8,628,209
73$11,765,742$3,117,365$1,955,857$9,357,451
74$12,877,856$3,182,125$1,933,387$10,157,362
75$14,100,634$3,247,286$1,907,392$11,035,074
76$15,445,276$3,312,780$1,877,667$11,998,447
77$16,924,123$3,378,535$1,843,998$13,056,142
78$18,550,770$3,444,470$1,806,158$14,217,704
79$20,340,197$3,510,498$1,763,913$15,493,649
80$22,308,909$3,576,524$1,717,016$16,895,567
81$24,475,091$3,642,447$1,665,210$18,436,229
82$26,858,781$3,708,157$1,608,224$20,129,710
83$29,482,054$3,773,534$1,545,777$21,991,518
84$32,369,236$3,838,451$1,477,574$24,038,745
85$35,547,132$3,902,768$1,403,306$26,290,225
86$39,045,275$3,966,339$1,322,652$28,766,715
87$42,896,206$4,029,003$1,235,275$31,491,088
88$47,135,785$4,090,590$1,140,822$34,488,551
89$51,803,521$4,150,916$1,038,926$37,786,882
90$56,942,954$4,209,784$929,203$41,416,696
91$62,602,056$4,266,984$811,252$45,411,728
92$68,833,690$4,322,290$684,653$49,809,158
93$75,696,107$4,375,463$548,970$54,649,957
94$83,253,494$4,426,245$403,744$59,979,279
95$91,576,580$4,474,361$248,500$65,846,883
96$100,743,305$4,519,519$82,739$72,307,608
97$110,839,553$4,561,405$0$79,421,888
98$121,959,961$4,599,688$0$87,266,369
99$134,208,816$4,634,012$0$95,914,475
100$147,701,036$4,663,999$0$105,438,314