Can I retire at age 52 with 1,850,000?

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 $1,850,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.9%
1 years$152,771$151,410$150,083$148,787$147,522$143,955
2 years$75,629$74,221$72,856$71,532$70,248$66,677
3 years$49,919$48,504$47,142$45,831$44,568$41,103
4 years$37,066$35,656$34,308$33,019$31,787$28,454
5 years$29,356$27,954$26,624$25,362$24,164$20,974
6 years$24,218$22,827$21,516$20,282$19,120$16,076
7 years$20,550$19,170$17,880$16,675$15,550$12,651
8 years$17,799$16,432$15,164$13,988$12,900$10,146
9 years$15,661$14,307$13,061$11,915$10,864$8,253
10 years$13,952$12,611$11,386$10,271$9,256$6,785
11 years$12,554$11,227$10,024$8,939$7,961$5,625
12 years$11,391$10,077$8,896$7,840$6,899$4,695
13 years$10,407$9,106$7,948$6,922$6,016$3,940
14 years$9,564$8,277$7,142$6,144$5,273$3,321
15 years$8,834$7,562$6,448$5,480$4,643$2,810
16 years$8,196$6,938$5,846$4,907$4,104$2,384
17 years$7,634$6,389$5,320$4,408$3,638$2,028
18 years$7,135$5,904$4,856$3,973$3,235$1,729
19 years$6,689$5,472$4,446$3,590$2,884$1,476
20 years$6,288$5,085$4,080$3,251$2,576$1,263
21 years$5,925$4,736$3,753$2,951$2,305$1,081
22 years$5,596$4,421$3,459$2,683$2,066$927
23 years$5,296$4,135$3,194$2,443$1,855$795
24 years$5,022$3,874$2,953$2,229$1,667$683
25 years$4,770$3,636$2,736$2,035$1,500$587
26 years$4,537$3,417$2,537$1,861$1,351$505
27 years$4,322$3,216$2,356$1,703$1,218$434
28 years$4,123$3,030$2,190$1,561$1,099$374
29 years$3,938$2,859$2,038$1,431$993$322
30 years$3,766$2,700$1,898$1,313$897$277
31 years$3,605$2,552$1,770$1,206$811$239
32 years$3,454$2,415$1,651$1,109$733$206
33 years$3,313$2,287$1,542$1,019$664$177
34 years$3,180$2,167$1,441$938$601$153
35 years$3,056$2,056$1,347$863$544$132
36 years$2,938$1,951$1,260$795$493$113
37 years$2,827$1,853$1,179$733$447$98
38 years$2,722$1,761$1,104$675$405$84
39 years$2,623$1,675$1,035$623$367$73
40 years$2,529$1,593$970$574$333$63
41 years$2,440$1,517$909$530$302$54
42 years$2,355$1,444$853$489$274$47
43 years$2,275$1,376$800$451$249$40
44 years$2,198$1,312$751$417$226$35
45 years$2,125$1,251$705$385$205$30
46 years$2,055$1,193$663$356$186$26
47 years$1,989$1,139$622$329$169$22
48 years$1,925$1,087$585$304$154$19
49 years$1,864$1,038$550$281$140$17
50 years$1,806$992$517$259$127$14

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,850,000, adding $2,027 every year, while hoping to spend $41,415 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: 47/24/29 Blend
51$1,850,000$1,850,000$1,850,000$1,850,000
52$2,040,791$1,942,741$1,914,066$2,119,641
53$2,204,886$1,993,870$1,934,122$2,226,720
54$2,384,331$2,046,116$1,953,462$2,338,708
55$2,580,648$2,099,491$1,972,017$2,459,486
56$2,795,512$2,154,004$1,989,718$2,589,905
57$3,030,769$2,209,665$2,006,488$2,730,899
58$3,288,451$2,266,482$2,022,249$2,883,500
59$3,570,795$2,324,462$2,036,917$3,048,843
60$3,880,267$2,383,611$2,050,404$3,228,180
61$4,219,580$2,443,933$2,062,618$3,422,892
62$4,591,724$2,505,433$2,073,463$3,634,497
63$4,999,992$2,568,111$2,082,836$3,864,671
64$5,448,010$2,631,968$2,090,630$4,115,262
65$5,939,774$2,697,001$2,096,733$4,388,303
66$6,479,683$2,763,207$2,101,026$4,686,039
67$7,072,586$2,830,579$2,103,386$5,010,940
68$7,723,823$2,899,110$2,103,682$5,365,733
69$8,439,275$2,968,789$2,101,778$5,753,419
70$9,225,424$3,039,603$2,097,530$6,177,310
71$10,089,408$3,111,534$2,090,788$6,641,054
72$11,039,093$3,184,564$2,081,394$7,148,673
73$12,083,143$3,258,671$2,069,184$7,704,599
74$13,231,106$3,333,827$2,053,984$8,313,720
75$14,493,498$3,410,004$2,035,611$8,981,420
76$15,881,908$3,487,168$2,013,878$9,713,637
77$17,409,103$3,565,280$1,988,583$10,516,913
78$19,089,151$3,644,297$1,959,520$11,398,462
79$20,937,549$3,724,173$1,926,468$12,366,234
80$22,971,375$3,804,853$1,889,201$13,428,992
81$25,209,444$3,886,280$1,847,478$14,596,395
82$27,672,488$3,968,389$1,801,050$15,879,091
83$30,383,351$4,051,109$1,749,654$17,288,814
84$33,367,203$4,134,363$1,693,017$18,838,499
85$36,651,777$4,218,066$1,630,853$20,542,405
86$40,267,632$4,302,126$1,562,861$22,416,245
87$44,248,443$4,386,442$1,488,728$24,477,343
88$48,631,311$4,470,905$1,408,128$26,744,790
89$53,457,123$4,555,397$1,320,718$29,239,630
90$58,770,927$4,639,789$1,226,140$31,985,056
91$64,622,367$4,723,944$1,124,021$35,006,635
92$71,066,143$4,807,712$1,013,970$38,332,543
93$78,162,532$4,890,932$895,580$41,993,838
94$85,977,953$4,973,430$768,425$46,024,749
95$94,585,596$5,055,020$632,059$50,463,006
96$104,066,113$5,135,502$486,019$55,350,191
97$114,508,375$5,214,660$329,819$60,732,135
98$126,010,314$5,292,264$162,954$66,659,352
99$138,679,847$5,368,066$0$73,187,516
100$152,635,892$5,441,802$0$80,382,666