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%15.5%
1 years$151,120$149,774$148,460$147,178$145,927$142,631
2 years$74,812$73,418$72,068$70,759$69,489$66,186
3 years$49,379$47,980$46,633$45,336$44,087$40,880
4 years$36,665$35,270$33,937$32,662$31,443$28,357
5 years$29,039$27,652$26,336$25,088$23,902$20,946
6 years$23,956$22,580$21,284$20,063$18,913$16,089
7 years$20,327$18,963$17,687$16,495$15,381$12,691
8 years$17,607$16,255$15,000$13,837$12,760$10,202
9 years$15,492$14,153$12,919$11,786$10,746$8,318
10 years$13,801$12,475$11,263$10,160$9,156$6,855
11 years$12,419$11,106$9,916$8,842$7,875$5,698
12 years$11,267$9,968$8,800$7,756$6,824$4,769
13 years$10,294$9,008$7,862$6,847$5,951$4,012
14 years$9,460$8,188$7,064$6,078$5,216$3,391
15 years$8,739$7,480$6,378$5,421$4,593$2,877
16 years$8,108$6,863$5,783$4,853$4,059$2,448
17 years$7,551$6,320$5,262$4,361$3,599$2,089
18 years$7,058$5,840$4,804$3,930$3,200$1,786
19 years$6,616$5,413$4,398$3,551$2,852$1,529
20 years$6,220$5,030$4,036$3,216$2,548$1,312
21 years$5,861$4,685$3,712$2,919$2,280$1,127
22 years$5,536$4,373$3,421$2,654$2,044$969
23 years$5,239$4,090$3,159$2,417$1,835$834
24 years$4,967$3,832$2,922$2,204$1,649$719
25 years$4,718$3,596$2,706$2,013$1,484$619
26 years$4,488$3,380$2,510$1,841$1,337$534
27 years$4,276$3,181$2,330$1,685$1,205$461
28 years$4,079$2,997$2,166$1,544$1,087$398
29 years$3,896$2,828$2,016$1,416$982$344
30 years$3,725$2,670$1,878$1,299$887$297
31 years$3,566$2,524$1,751$1,193$802$257
32 years$3,417$2,389$1,633$1,097$726$222
33 years$3,277$2,262$1,525$1,008$657$192
34 years$3,146$2,144$1,425$928$594$166
35 years$3,023$2,034$1,332$854$538$144
36 years$2,906$1,930$1,246$787$488$124
37 years$2,797$1,833$1,167$725$442$107
38 years$2,693$1,742$1,092$668$401$93
39 years$2,595$1,657$1,023$616$364$80
40 years$2,502$1,576$959$568$330$70
41 years$2,414$1,500$899$524$299$60
42 years$2,330$1,429$844$484$271$52
43 years$2,250$1,361$792$447$246$45
44 years$2,174$1,298$743$412$224$39
45 years$2,102$1,237$698$381$203$34
46 years$2,033$1,181$655$352$184$29
47 years$1,967$1,127$616$325$167$25
48 years$1,904$1,075$579$300$152$22
49 years$1,844$1,027$544$278$138$19
50 years$1,787$981$511$257$125$16

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 $5,724 every year, while hoping to spend $24,749 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: 55/33/12 Blend
51$1,830,000$1,830,000$1,830,000$1,830,000
52$2,022,564$1,925,574$1,897,209$2,127,294
53$2,202,533$1,993,595$1,934,433$2,266,995
54$2,400,029$2,064,119$1,972,074$2,415,843
55$2,616,814$2,137,243$2,010,121$2,577,333
56$2,854,829$2,213,067$2,048,560$2,752,677
57$3,116,211$2,291,697$2,087,376$2,943,203
58$3,403,315$2,373,240$2,126,553$3,150,374
59$3,718,734$2,457,810$2,166,074$3,375,801
60$4,065,328$2,545,525$2,205,920$3,621,254
61$4,446,243$2,636,508$2,246,070$3,888,680
62$4,864,948$2,730,886$2,286,502$4,180,224
63$5,325,265$2,828,791$2,327,192$4,498,244
64$5,831,404$2,930,363$2,368,114$4,845,337
65$6,388,001$3,035,745$2,409,241$5,224,360
66$7,000,168$3,145,088$2,450,541$5,638,460
67$7,673,535$3,258,547$2,491,984$6,091,098
68$8,414,305$3,376,285$2,533,534$6,586,086
69$9,229,312$3,498,471$2,575,156$7,127,622
70$10,126,088$3,625,282$2,616,810$7,720,326
71$11,112,929$3,756,901$2,658,453$8,369,285
72$12,198,979$3,893,520$2,700,042$9,080,101
73$13,394,310$4,035,338$2,741,529$9,858,944
74$14,710,023$4,182,563$2,782,863$10,712,606
75$16,158,347$4,335,411$2,823,992$11,648,569
76$17,752,760$4,494,107$2,864,856$12,675,072
77$19,508,110$4,658,886$2,905,398$13,801,188
78$21,440,759$4,829,994$2,945,551$15,036,912
79$23,568,738$5,007,685$2,985,248$16,393,252
80$25,911,912$5,192,225$3,024,417$17,882,332
81$28,492,174$5,383,891$3,062,982$19,517,507
82$31,333,646$5,582,972$3,100,862$21,313,488
83$34,462,910$5,789,769$3,137,972$23,286,479
84$37,909,254$6,004,595$3,174,222$25,454,331
85$41,704,957$6,227,779$3,209,517$27,836,709
86$45,885,583$6,459,661$3,243,757$30,455,274
87$50,490,325$6,700,597$3,276,835$33,333,892
88$55,562,370$6,950,958$3,308,641$36,498,851
89$61,149,307$7,211,130$3,339,056$39,979,117
90$67,303,579$7,481,518$3,367,956$43,806,599
91$74,082,973$7,762,541$3,395,212$48,016,451
92$81,551,169$8,054,639$3,420,685$52,647,405
93$89,778,342$8,358,269$3,444,231$57,742,134
94$98,841,818$8,673,909$3,465,697$63,347,654
95$108,826,810$9,002,058$3,484,925$69,515,763
96$119,827,220$9,343,234$3,501,745$76,303,535
97$131,946,524$9,697,980$3,515,981$83,773,853
98$145,298,750$10,066,862$3,527,448$91,996,003
99$160,009,554$10,450,470$3,535,949$101,046,325
100$176,217,406$10,849,420$3,541,280$111,008,933