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%13.3%
1 years$152,771$151,410$150,083$148,787$147,522$145,497
2 years$75,629$74,221$72,856$71,532$70,248$68,213
3 years$49,919$48,504$47,142$45,831$44,568$42,584
4 years$37,066$35,656$34,308$33,019$31,787$29,869
5 years$29,356$27,954$26,624$25,362$24,164$22,319
6 years$24,218$22,827$21,516$20,282$19,120$17,350
7 years$20,550$19,170$17,880$16,675$15,550$13,855
8 years$17,799$16,432$15,164$13,988$12,900$11,281
9 years$15,661$14,307$13,061$11,915$10,864$9,319
10 years$13,952$12,611$11,386$10,271$9,256$7,785
11 years$12,554$11,227$10,024$8,939$7,961$6,561
12 years$11,391$10,077$8,896$7,840$6,899$5,569
13 years$10,407$9,106$7,948$6,922$6,016$4,755
14 years$9,564$8,277$7,142$6,144$5,273$4,079
15 years$8,834$7,562$6,448$5,480$4,643$3,513
16 years$8,196$6,938$5,846$4,907$4,104$3,036
17 years$7,634$6,389$5,320$4,408$3,638$2,631
18 years$7,135$5,904$4,856$3,973$3,235$2,286
19 years$6,689$5,472$4,446$3,590$2,884$1,990
20 years$6,288$5,085$4,080$3,251$2,576$1,735
21 years$5,925$4,736$3,753$2,951$2,305$1,516
22 years$5,596$4,421$3,459$2,683$2,066$1,326
23 years$5,296$4,135$3,194$2,443$1,855$1,161
24 years$5,022$3,874$2,953$2,229$1,667$1,017
25 years$4,770$3,636$2,736$2,035$1,500$892
26 years$4,537$3,417$2,537$1,861$1,351$783
27 years$4,322$3,216$2,356$1,703$1,218$688
28 years$4,123$3,030$2,190$1,561$1,099$605
29 years$3,938$2,859$2,038$1,431$993$532
30 years$3,766$2,700$1,898$1,313$897$468
31 years$3,605$2,552$1,770$1,206$811$412
32 years$3,454$2,415$1,651$1,109$733$363
33 years$3,313$2,287$1,542$1,019$664$319
34 years$3,180$2,167$1,441$938$601$281
35 years$3,056$2,056$1,347$863$544$248
36 years$2,938$1,951$1,260$795$493$218
37 years$2,827$1,853$1,179$733$447$193
38 years$2,722$1,761$1,104$675$405$170
39 years$2,623$1,675$1,035$623$367$150
40 years$2,529$1,593$970$574$333$132
41 years$2,440$1,517$909$530$302$116
42 years$2,355$1,444$853$489$274$103
43 years$2,275$1,376$800$451$249$91
44 years$2,198$1,312$751$417$226$80
45 years$2,125$1,251$705$385$205$70
46 years$2,055$1,193$663$356$186$62
47 years$1,989$1,139$622$329$169$55
48 years$1,925$1,087$585$304$154$48
49 years$1,864$1,038$550$281$140$43
50 years$1,806$992$517$259$127$38

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 $5,063 every year, while hoping to spend $31,773 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: 81/6/13 Blend
51$1,850,000$1,850,000$1,850,000$1,850,000
52$2,043,922$1,945,872$1,917,197$2,204,035
53$2,218,596$2,007,414$1,947,617$2,371,422
54$2,410,022$2,070,906$1,977,991$2,550,465
55$2,619,875$2,136,411$2,008,285$2,746,076
56$2,849,999$2,203,993$2,038,460$2,959,899
57$3,102,428$2,273,717$2,068,477$3,193,748
58$3,379,399$2,345,652$2,098,294$3,449,620
59$3,683,377$2,419,869$2,127,866$3,729,713
60$4,017,078$2,496,439$2,157,147$4,036,450
61$4,383,494$2,575,438$2,186,085$4,372,500
62$4,785,920$2,656,944$2,214,628$4,740,800
63$5,227,985$2,741,035$2,242,719$5,144,590
64$5,713,688$2,827,795$2,270,299$5,587,435
65$6,247,436$2,917,309$2,297,305$6,073,266
66$6,834,080$3,009,663$2,323,671$6,606,411
67$7,478,969$3,104,949$2,349,327$7,191,639
68$8,187,993$3,203,260$2,374,198$7,834,205
69$8,967,641$3,304,693$2,398,207$8,539,897
70$9,825,064$3,409,347$2,421,271$9,315,093
71$10,768,140$3,517,324$2,443,303$10,166,820
72$11,805,549$3,628,732$2,464,212$11,102,821
73$12,946,855$3,743,679$2,483,902$12,131,625
74$14,202,593$3,862,278$2,502,272$13,262,633
75$15,584,373$3,984,646$2,519,214$14,506,200
76$17,104,989$4,110,903$2,534,617$15,873,737
77$18,778,534$4,241,174$2,548,363$17,377,819
78$20,620,539$4,375,586$2,560,328$19,032,298
79$22,648,117$4,514,272$2,570,382$20,852,442
80$24,880,122$4,657,369$2,578,387$22,855,071
81$27,337,332$4,805,017$2,584,200$25,058,721
82$30,042,639$4,957,362$2,587,670$27,483,815
83$33,021,270$5,114,555$2,588,639$30,152,860
84$36,301,021$5,276,749$2,586,940$33,090,654
85$39,912,521$5,444,106$2,582,398$36,324,525
86$43,889,522$5,616,791$2,574,832$39,884,586
87$48,269,213$5,794,974$2,564,049$43,804,019
88$53,092,576$5,978,831$2,549,848$48,119,388
89$58,404,769$6,168,544$2,532,018$52,870,986
90$64,255,553$6,364,300$2,510,339$58,103,214
91$70,699,763$6,566,294$2,484,578$63,864,998
92$77,797,821$6,774,725$2,454,494$70,210,255
93$85,616,312$6,989,800$2,419,833$77,198,397
94$94,228,607$7,211,731$2,380,328$84,894,895
95$103,715,558$7,440,739$2,335,702$93,371,897
96$114,166,260$7,677,051$2,285,664$102,708,906
97$125,678,894$7,920,901$2,229,908$112,993,533
98$138,361,647$8,172,532$2,168,117$124,322,323
99$152,333,742$8,432,193$2,099,956$136,801,666
100$167,726,556$8,700,142$2,025,076$150,548,803