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%15.1%
1 years$151,945$150,592$149,272$147,983$146,724$143,644
2 years$75,221$73,820$72,462$71,146$69,869$66,780
3 years$49,649$48,242$46,888$45,584$44,328$41,327
4 years$36,866$35,463$34,122$32,840$31,615$28,725
5 years$29,198$27,803$26,480$25,225$24,033$21,263
6 years$24,087$22,704$21,400$20,172$19,017$16,368
7 years$20,438$19,066$17,783$16,585$15,466$12,940
8 years$17,703$16,343$15,082$13,913$12,830$10,426
9 years$15,577$14,230$12,990$11,850$10,805$8,521
10 years$13,877$12,543$11,325$10,215$9,206$7,040
11 years$12,487$11,166$9,970$8,890$7,918$5,867
12 years$11,329$10,022$8,848$7,798$6,861$4,923
13 years$10,350$9,057$7,905$6,884$5,983$4,153
14 years$9,512$8,233$7,103$6,111$5,245$3,520
15 years$8,786$7,521$6,413$5,450$4,618$2,994
16 years$8,152$6,900$5,814$4,880$4,081$2,555
17 years$7,593$6,355$5,291$4,385$3,619$2,186
18 years$7,096$5,872$4,830$3,951$3,218$1,875
19 years$6,652$5,442$4,422$3,570$2,868$1,610
20 years$6,254$5,057$4,058$3,234$2,562$1,386
21 years$5,893$4,711$3,732$2,935$2,292$1,194
22 years$5,566$4,397$3,440$2,668$2,055$1,030
23 years$5,268$4,113$3,176$2,430$1,845$889
24 years$4,995$3,853$2,938$2,216$1,658$768
25 years$4,744$3,616$2,721$2,024$1,492$664
26 years$4,513$3,398$2,523$1,851$1,344$575
27 years$4,299$3,198$2,343$1,694$1,212$498
28 years$4,101$3,014$2,178$1,552$1,093$431
29 years$3,917$2,843$2,027$1,423$987$374
30 years$3,745$2,685$1,888$1,306$892$324
31 years$3,585$2,538$1,760$1,200$806$281
32 years$3,436$2,402$1,642$1,103$729$244
33 years$3,295$2,274$1,533$1,014$660$211
34 years$3,163$2,156$1,433$933$598$183
35 years$3,039$2,045$1,340$859$541$159
36 years$2,922$1,941$1,253$791$491$138
37 years$2,812$1,843$1,173$729$445$120
38 years$2,708$1,752$1,098$672$403$104
39 years$2,609$1,666$1,029$619$365$90
40 years$2,516$1,585$965$571$332$78
41 years$2,427$1,509$904$527$301$68
42 years$2,343$1,437$848$486$273$59
43 years$2,262$1,369$796$449$248$51
44 years$2,186$1,305$747$415$225$45
45 years$2,114$1,244$702$383$204$39
46 years$2,044$1,187$659$354$185$34
47 years$1,978$1,133$619$327$168$29
48 years$1,915$1,081$582$302$153$25
49 years$1,854$1,033$547$279$139$22
50 years$1,796$986$514$258$126$19

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 $5,683 every year, while hoping to spend $51,241 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: 36/39/25 Blend
51$1,840,000$1,840,000$1,840,000$1,840,000
52$2,033,542$1,936,022$1,907,502$2,091,267
53$2,186,443$1,976,367$1,916,883$2,174,732
54$2,353,223$2,016,972$1,924,861$2,259,681
55$2,535,243$2,057,794$1,931,335$2,350,379
56$2,734,002$2,098,790$1,936,199$2,447,376
57$2,951,149$2,139,910$1,939,341$2,551,278
58$3,188,501$2,181,100$1,940,643$2,662,753
59$3,448,057$2,222,303$1,939,984$2,782,540
60$3,732,020$2,263,457$1,937,234$2,911,452
61$4,042,813$2,304,493$1,932,259$3,050,389
62$4,383,105$2,345,339$1,924,915$3,200,345
63$4,755,838$2,385,917$1,915,056$3,362,414
64$5,164,247$2,426,140$1,902,524$3,537,806
65$5,611,898$2,465,919$1,887,156$3,727,857
66$6,102,718$2,505,156$1,868,782$3,934,040
67$6,641,032$2,543,745$1,847,223$4,157,981
68$7,231,602$2,581,573$1,822,290$4,401,476
69$7,879,676$2,618,521$1,793,787$4,666,507
70$8,591,032$2,654,458$1,761,508$4,955,260
71$9,372,037$2,689,246$1,725,239$5,270,148
72$10,229,703$2,722,737$1,684,753$5,613,835
73$11,171,756$2,754,774$1,639,815$5,989,261
74$12,206,704$2,785,188$1,590,178$6,399,668
75$13,343,924$2,813,797$1,535,584$6,848,636
76$14,593,741$2,840,411$1,475,764$7,340,114
77$15,967,536$2,864,824$1,410,435$7,878,459
78$17,477,842$2,886,818$1,339,302$8,468,478
79$19,138,471$2,906,161$1,262,057$9,115,478
80$20,964,637$2,922,604$1,178,378$9,825,308
81$22,973,104$2,935,887$1,087,928$10,604,426
82$25,182,343$2,945,727$990,356$11,459,953
83$27,612,702$2,951,828$885,293$12,399,747
84$30,286,603$2,953,873$772,356$13,432,473
85$33,228,751$2,951,527$651,144$14,567,692
86$36,466,364$2,944,432$521,238$15,815,948
87$40,029,435$2,932,211$382,201$17,188,873
88$43,951,009$2,914,461$233,577$18,699,294
89$48,267,499$2,890,757$74,888$20,361,360
90$53,019,025$2,860,645$0$22,190,673
91$58,249,797$2,823,648$0$24,229,641
92$64,008,527$2,779,258$0$26,495,000
93$70,348,890$2,726,935$0$28,987,826
94$77,330,033$2,666,111$0$31,731,348
95$85,017,128$2,596,181$0$34,751,174
96$93,481,988$2,516,507$0$38,075,531
97$102,803,747$2,426,412$0$41,735,535
98$113,069,603$2,325,180$0$45,765,486
99$124,375,642$2,212,054$0$50,203,190
100$136,827,745$2,086,232$0$55,090,325