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

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 $1,840,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.3%
1 years$151,945$150,592$149,272$147,983$146,724$144,711
2 years$75,221$73,820$72,462$71,146$69,869$67,844
3 years$49,649$48,242$46,888$45,584$44,328$42,354
4 years$36,866$35,463$34,122$32,840$31,615$29,708
5 years$29,198$27,803$26,480$25,225$24,033$22,198
6 years$24,087$22,704$21,400$20,172$19,017$17,256
7 years$20,438$19,066$17,783$16,585$15,466$13,780
8 years$17,703$16,343$15,082$13,913$12,830$11,220
9 years$15,577$14,230$12,990$11,850$10,805$9,268
10 years$13,877$12,543$11,325$10,215$9,206$7,743
11 years$12,487$11,166$9,970$8,890$7,918$6,526
12 years$11,329$10,022$8,848$7,798$6,861$5,539
13 years$10,350$9,057$7,905$6,884$5,983$4,729
14 years$9,512$8,233$7,103$6,111$5,245$4,057
15 years$8,786$7,521$6,413$5,450$4,618$3,494
16 years$8,152$6,900$5,814$4,880$4,081$3,020
17 years$7,593$6,355$5,291$4,385$3,619$2,617
18 years$7,096$5,872$4,830$3,951$3,218$2,274
19 years$6,652$5,442$4,422$3,570$2,868$1,979
20 years$6,254$5,057$4,058$3,234$2,562$1,726
21 years$5,893$4,711$3,732$2,935$2,292$1,508
22 years$5,566$4,397$3,440$2,668$2,055$1,318
23 years$5,268$4,113$3,176$2,430$1,845$1,154
24 years$4,995$3,853$2,938$2,216$1,658$1,012
25 years$4,744$3,616$2,721$2,024$1,492$888
26 years$4,513$3,398$2,523$1,851$1,344$779
27 years$4,299$3,198$2,343$1,694$1,212$684
28 years$4,101$3,014$2,178$1,552$1,093$602
29 years$3,917$2,843$2,027$1,423$987$529
30 years$3,745$2,685$1,888$1,306$892$465
31 years$3,585$2,538$1,760$1,200$806$410
32 years$3,436$2,402$1,642$1,103$729$361
33 years$3,295$2,274$1,533$1,014$660$318
34 years$3,163$2,156$1,433$933$598$280
35 years$3,039$2,045$1,340$859$541$247
36 years$2,922$1,941$1,253$791$491$217
37 years$2,812$1,843$1,173$729$445$191
38 years$2,708$1,752$1,098$672$403$169
39 years$2,609$1,666$1,029$619$365$149
40 years$2,516$1,585$965$571$332$131
41 years$2,427$1,509$904$527$301$116
42 years$2,343$1,437$848$486$273$102
43 years$2,262$1,369$796$449$248$90
44 years$2,186$1,305$747$415$225$79
45 years$2,114$1,244$702$383$204$70
46 years$2,044$1,187$659$354$185$62
47 years$1,978$1,133$619$327$168$55
48 years$1,915$1,081$582$302$153$48
49 years$1,854$1,033$547$279$139$42
50 years$1,796$986$514$258$126$37

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 $2,822 every year, while hoping to spend $38,819 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: 54/24/22 Blend
51$1,840,000$1,840,000$1,840,000$1,840,000
52$2,030,591$1,933,071$1,904,551$2,127,856
53$2,196,408$1,986,488$1,927,050$2,248,375
54$2,377,838$2,041,222$1,949,002$2,375,208
55$2,576,431$2,097,296$1,970,348$2,512,457
56$2,793,896$2,154,733$1,991,024$2,661,130
57$3,032,115$2,213,556$2,010,965$2,822,339
58$3,293,160$2,273,789$2,030,101$2,997,306
59$3,579,311$2,335,454$2,048,358$3,187,378
60$3,893,083$2,398,574$2,065,661$3,394,039
61$4,237,244$2,463,170$2,081,926$3,618,922
62$4,614,841$2,529,263$2,097,069$3,863,829
63$5,029,233$2,596,876$2,110,999$4,130,743
64$5,484,119$2,666,027$2,123,622$4,421,848
65$5,983,573$2,736,736$2,134,837$4,739,551
66$6,532,084$2,809,023$2,144,541$5,086,504
67$7,134,596$2,882,904$2,152,623$5,465,629
68$7,796,556$2,958,398$2,158,967$5,880,146
69$8,523,964$3,035,519$2,163,451$6,333,601
70$9,323,431$3,114,281$2,165,949$6,829,904
71$10,202,239$3,194,699$2,166,326$7,373,360
72$11,168,411$3,276,783$2,164,443$7,968,716
73$12,230,788$3,360,545$2,160,150$8,621,201
74$13,399,108$3,445,991$2,153,295$9,336,578
75$14,684,102$3,533,129$2,143,715$10,121,196
76$16,097,590$3,621,962$2,131,239$10,982,054
77$17,652,599$3,712,494$2,115,691$11,926,863
78$19,363,481$3,804,722$2,096,883$12,964,121
79$21,246,047$3,898,645$2,074,619$14,103,192
80$23,317,721$3,994,256$2,048,696$15,354,397
81$25,597,700$4,091,545$2,018,899$16,729,108
82$28,107,136$4,190,502$1,985,003$18,239,860
83$30,869,337$4,291,109$1,946,774$19,900,464
84$33,909,983$4,393,348$1,903,964$21,726,143
85$37,257,372$4,497,193$1,856,318$23,733,671
86$40,942,685$4,602,616$1,803,566$25,941,534
87$45,000,280$4,709,585$1,745,426$28,370,107
88$49,468,014$4,818,060$1,681,603$31,041,842
89$54,387,605$4,927,998$1,611,790$33,981,483
90$59,805,021$5,039,350$1,535,665$37,216,299
91$65,770,914$5,152,060$1,452,891$40,776,342
92$72,341,100$5,266,064$1,363,116$44,694,732
93$79,577,085$5,381,293$1,265,973$49,007,968
94$87,546,641$5,497,670$1,161,076$53,756,274
95$96,324,452$5,615,109$1,048,026$58,983,980
96$105,992,813$5,733,517$926,402$64,739,941
97$116,642,410$5,852,789$795,767$71,077,995
98$128,373,174$5,972,814$655,663$78,057,477
99$141,295,222$6,093,466$505,612$85,743,778
100$155,529,901$6,214,612$345,116$94,208,960