Can I retire at age 52 with 1,840,000?

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 $1,840,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.8%
1 years$151,945$150,592$149,272$147,983$146,724$141,518
2 years$75,221$73,820$72,462$71,146$69,869$64,679
3 years$49,649$48,242$46,888$45,584$44,328$39,318
4 years$36,866$35,463$34,122$32,840$31,615$26,823
5 years$29,198$27,803$26,480$25,225$24,033$19,472
6 years$24,087$22,704$21,400$20,172$19,017$14,689
7 years$20,438$19,066$17,783$16,585$15,466$11,371
8 years$17,703$16,343$15,082$13,913$12,830$8,965
9 years$15,577$14,230$12,990$11,850$10,805$7,164
10 years$13,877$12,543$11,325$10,215$9,206$5,784
11 years$12,487$11,166$9,970$8,890$7,918$4,707
12 years$11,329$10,022$8,848$7,798$6,861$3,854
13 years$10,350$9,057$7,905$6,884$5,983$3,172
14 years$9,512$8,233$7,103$6,111$5,245$2,620
15 years$8,786$7,521$6,413$5,450$4,618$2,172
16 years$8,152$6,900$5,814$4,880$4,081$1,805
17 years$7,593$6,355$5,291$4,385$3,619$1,503
18 years$7,096$5,872$4,830$3,951$3,218$1,254
19 years$6,652$5,442$4,422$3,570$2,868$1,048
20 years$6,254$5,057$4,058$3,234$2,562$876
21 years$5,893$4,711$3,732$2,935$2,292$734
22 years$5,566$4,397$3,440$2,668$2,055$615
23 years$5,268$4,113$3,176$2,430$1,845$516
24 years$4,995$3,853$2,938$2,216$1,658$433
25 years$4,744$3,616$2,721$2,024$1,492$363
26 years$4,513$3,398$2,523$1,851$1,344$305
27 years$4,299$3,198$2,343$1,694$1,212$257
28 years$4,101$3,014$2,178$1,552$1,093$216
29 years$3,917$2,843$2,027$1,423$987$181
30 years$3,745$2,685$1,888$1,306$892$152
31 years$3,585$2,538$1,760$1,200$806$128
32 years$3,436$2,402$1,642$1,103$729$108
33 years$3,295$2,274$1,533$1,014$660$91
34 years$3,163$2,156$1,433$933$598$76
35 years$3,039$2,045$1,340$859$541$64
36 years$2,922$1,941$1,253$791$491$54
37 years$2,812$1,843$1,173$729$445$45
38 years$2,708$1,752$1,098$672$403$38
39 years$2,609$1,666$1,029$619$365$32
40 years$2,516$1,585$965$571$332$27
41 years$2,427$1,509$904$527$301$23
42 years$2,343$1,437$848$486$273$19
43 years$2,262$1,369$796$449$248$16
44 years$2,186$1,305$747$415$225$14
45 years$2,114$1,244$702$383$204$11
46 years$2,044$1,187$659$354$185$10
47 years$1,978$1,133$619$327$168$8
48 years$1,915$1,081$582$302$153$7
49 years$1,854$1,033$547$279$139$6
50 years$1,796$986$514$258$126$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,840,000, adding $4,761 every year, while hoping to spend $58,944 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: 42/40/18 Blend
51$1,840,000$1,840,000$1,840,000$1,840,000
52$2,032,591$1,935,071$1,906,551$2,107,060
53$2,177,199$1,967,173$1,907,704$2,192,305
54$2,334,582$1,998,873$1,906,921$2,278,439
55$2,505,980$2,030,089$1,904,074$2,370,477
56$2,692,759$2,060,732$1,899,029$2,468,989
57$2,896,421$2,090,708$1,891,647$2,574,605
58$3,118,620$2,119,917$1,881,781$2,688,021
59$3,361,176$2,148,250$1,869,278$2,810,007
60$3,626,094$2,175,592$1,853,976$2,941,410
61$3,915,578$2,201,819$1,835,707$3,083,170
62$4,232,058$2,226,799$1,814,295$3,236,321
63$4,578,208$2,250,392$1,789,553$3,402,008
64$4,956,971$2,272,447$1,761,289$3,581,495
65$5,371,588$2,292,804$1,729,299$3,776,178
66$5,825,631$2,311,291$1,693,371$3,987,597
67$6,323,029$2,327,729$1,653,283$4,217,455
68$6,868,112$2,341,922$1,608,802$4,467,631
69$7,465,648$2,353,664$1,559,685$4,740,200
70$8,120,888$2,362,737$1,505,678$5,037,453
71$8,839,615$2,368,908$1,446,515$5,361,921
72$9,628,200$2,371,929$1,381,917$5,716,396
73$10,493,659$2,371,536$1,311,594$6,103,962
74$11,443,722$2,367,450$1,235,242$6,528,023
75$12,486,902$2,359,376$1,152,543$6,992,335
76$13,632,577$2,346,997$1,063,165$7,501,046
77$14,891,080$2,329,980$966,761$8,058,733
78$16,273,792$2,307,970$862,968$8,670,448
79$17,793,250$2,280,592$751,410$9,341,767
80$19,463,269$2,247,448$631,689$10,078,843
81$21,299,065$2,208,116$503,393$10,888,464
82$23,317,405$2,162,149$366,092$11,778,125
83$25,536,759$2,109,073$219,335$12,756,091
84$27,977,478$2,048,387$62,652$13,831,485
85$30,661,983$1,979,561$0$15,014,371
86$33,614,978$1,902,032$0$16,335,932
87$36,863,681$1,815,207$0$17,802,484
88$40,438,081$1,718,457$0$19,415,596
89$44,371,221$1,611,117$0$21,190,282
90$48,699,507$1,492,483$0$23,143,098
91$53,463,054$1,361,812$0$25,292,298
92$58,706,064$1,218,319$0$27,658,008
93$64,477,238$1,061,173$0$30,262,421
94$70,830,242$889,496$0$33,130,007
95$77,824,207$702,361$0$36,287,743
96$85,524,288$498,788$0$39,765,375
97$94,002,280$277,744$0$43,595,698
98$103,337,296$38,136$0$47,814,868
99$113,616,506$0$0$52,462,747
100$124,935,968$0$0$57,680,641