Can I retire at age 52 with 1,860,000?

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 $1,860,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.5%
1 years$153,597$152,229$150,894$149,591$148,319$146,163
2 years$76,038$74,622$73,250$71,919$70,628$68,460
3 years$50,189$48,766$47,397$46,079$44,809$42,697
4 years$37,266$35,848$34,493$33,197$31,958$29,919
5 years$29,515$28,106$26,768$25,499$24,294$22,332
6 years$24,349$22,950$21,633$20,392$19,223$17,342
7 years$20,661$19,274$17,977$16,765$15,634$13,833
8 years$17,896$16,521$15,246$14,064$12,970$11,250
9 years$15,746$14,385$13,131$11,979$10,922$9,282
10 years$14,027$12,679$11,448$10,326$9,306$7,745
11 years$12,622$11,288$10,079$8,987$8,004$6,519
12 years$11,452$10,131$8,945$7,883$6,936$5,527
13 years$10,463$9,156$7,991$6,959$6,048$4,712
14 years$9,615$8,322$7,180$6,178$5,302$4,037
15 years$8,882$7,602$6,483$5,509$4,668$3,472
16 years$8,241$6,975$5,878$4,933$4,126$2,997
17 years$7,675$6,424$5,348$4,432$3,658$2,593
18 years$7,173$5,936$4,882$3,994$3,253$2,250
19 years$6,725$5,501$4,470$3,609$2,899$1,956
20 years$6,322$5,112$4,102$3,269$2,590$1,703
21 years$5,957$4,762$3,773$2,967$2,317$1,485
22 years$5,626$4,445$3,477$2,697$2,077$1,297
23 years$5,325$4,157$3,211$2,457$1,865$1,134
24 years$5,049$3,895$2,969$2,241$1,676$992
25 years$4,795$3,655$2,750$2,046$1,508$869
26 years$4,562$3,435$2,551$1,871$1,358$762
27 years$4,346$3,233$2,369$1,713$1,225$668
28 years$4,146$3,047$2,202$1,569$1,105$586
29 years$3,959$2,874$2,049$1,439$998$515
30 years$3,786$2,714$1,909$1,321$902$452
31 years$3,624$2,566$1,779$1,213$815$397
32 years$3,473$2,428$1,660$1,115$737$349
33 years$3,331$2,299$1,550$1,025$667$307
34 years$3,198$2,179$1,448$943$604$270
35 years$3,072$2,067$1,354$868$547$237
36 years$2,954$1,962$1,267$800$496$209
37 years$2,843$1,863$1,186$737$449$184
38 years$2,737$1,771$1,110$679$407$162
39 years$2,637$1,684$1,040$626$369$142
40 years$2,543$1,602$975$577$335$125
41 years$2,453$1,525$914$533$304$110
42 years$2,368$1,452$858$492$276$97
43 years$2,287$1,384$805$454$250$86
44 years$2,210$1,319$755$419$227$75
45 years$2,136$1,258$709$387$206$66
46 years$2,066$1,200$666$358$187$58
47 years$2,000$1,145$626$330$170$51
48 years$1,936$1,093$588$305$154$45
49 years$1,874$1,044$553$282$140$40
50 years$1,816$997$520$261$127$35

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,860,000, adding $4,577 every year, while hoping to spend $35,751 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: 73/5/22 Blend
51$1,860,000$1,860,000$1,860,000$1,860,000
52$2,054,441$1,955,861$1,927,031$2,193,052
53$2,225,955$2,013,660$1,953,548$2,343,693
54$2,413,766$2,073,092$1,979,755$2,503,955
55$2,619,497$2,134,200$2,005,604$2,678,644
56$2,844,938$2,197,028$2,031,043$2,869,190
57$3,092,059$2,261,620$2,056,020$3,077,166
58$3,363,029$2,328,020$2,080,478$3,304,309
59$3,660,239$2,396,274$2,104,355$3,552,530
60$3,986,322$2,466,430$2,127,589$3,823,934
61$4,344,176$2,538,534$2,150,113$4,120,842
62$4,736,996$2,612,636$2,171,855$4,445,809
63$5,168,299$2,688,785$2,192,742$4,801,652
64$5,641,961$2,767,031$2,212,695$5,191,473
65$6,162,252$2,847,426$2,231,630$5,618,690
66$6,733,873$2,930,022$2,249,462$6,087,069
67$7,362,007$3,014,871$2,266,097$6,600,762
68$8,052,361$3,102,029$2,281,441$7,164,340
69$8,811,222$3,191,549$2,295,390$7,782,841
70$9,645,520$3,283,488$2,307,838$8,461,819
71$10,562,886$3,377,902$2,318,674$9,207,389
72$11,571,729$3,474,848$2,327,778$10,026,295
73$12,681,314$3,574,384$2,335,027$10,925,963
74$13,901,849$3,676,570$2,340,291$11,914,578
75$15,244,580$3,781,464$2,343,434$13,001,162
76$16,721,899$3,889,128$2,344,311$14,195,652
77$18,347,459$3,999,622$2,342,772$15,509,002
78$20,136,304$4,113,007$2,338,659$16,953,280
79$22,105,010$4,229,347$2,331,806$18,541,789
80$24,271,839$4,348,704$2,322,041$20,289,182
81$26,656,918$4,471,141$2,309,179$22,211,613
82$29,282,418$4,596,722$2,293,032$24,326,880
83$32,172,775$4,725,511$2,273,398$26,654,595
84$35,354,909$4,857,573$2,250,069$29,216,373
85$38,858,488$4,992,971$2,222,824$32,036,033
86$42,716,198$5,131,772$2,191,433$35,139,822
87$46,964,061$5,274,039$2,155,657$38,556,666
88$51,641,766$5,419,838$2,115,242$42,318,441
89$56,793,050$5,569,234$2,069,926$46,460,274
90$62,466,105$5,722,290$2,019,433$51,020,875
91$68,714,036$5,879,071$1,963,473$56,042,904
92$75,595,363$6,039,641$1,901,744$61,573,371
93$83,174,569$6,204,062$1,833,931$67,664,082
94$91,522,711$6,372,397$1,759,704$74,372,130
95$100,718,090$6,544,706$1,678,716$81,760,428
96$110,846,989$6,721,051$1,590,608$89,898,310
97$122,004,490$6,901,490$1,495,000$98,862,182
98$134,295,365$7,086,081$1,391,500$108,736,243
99$147,835,072$7,274,878$1,279,695$119,613,285
100$162,750,838$7,467,937$1,159,154$131,595,562