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%17.3%
1 years$153,597$152,229$150,894$149,591$148,319$143,917
2 years$76,038$74,622$73,250$71,919$70,628$66,230
3 years$50,189$48,766$47,397$46,079$44,809$40,552
4 years$37,266$35,848$34,493$33,197$31,958$27,875
5 years$29,515$28,106$26,768$25,499$24,294$20,396
6 years$24,349$22,950$21,633$20,392$19,223$15,514
7 years$20,661$19,274$17,977$16,765$15,634$12,113
8 years$17,896$16,521$15,246$14,064$12,970$9,635
9 years$15,746$14,385$13,131$11,979$10,922$7,770
10 years$14,027$12,679$11,448$10,326$9,306$6,333
11 years$12,622$11,288$10,079$8,987$8,004$5,204
12 years$11,452$10,131$8,945$7,883$6,936$4,304
13 years$10,463$9,156$7,991$6,959$6,048$3,578
14 years$9,615$8,322$7,180$6,178$5,302$2,987
15 years$8,882$7,602$6,483$5,509$4,668$2,502
16 years$8,241$6,975$5,878$4,933$4,126$2,102
17 years$7,675$6,424$5,348$4,432$3,658$1,770
18 years$7,173$5,936$4,882$3,994$3,253$1,493
19 years$6,725$5,501$4,470$3,609$2,899$1,262
20 years$6,322$5,112$4,102$3,269$2,590$1,068
21 years$5,957$4,762$3,773$2,967$2,317$904
22 years$5,626$4,445$3,477$2,697$2,077$767
23 years$5,325$4,157$3,211$2,457$1,865$651
24 years$5,049$3,895$2,969$2,241$1,676$553
25 years$4,795$3,655$2,750$2,046$1,508$470
26 years$4,562$3,435$2,551$1,871$1,358$399
27 years$4,346$3,233$2,369$1,713$1,225$340
28 years$4,146$3,047$2,202$1,569$1,105$289
29 years$3,959$2,874$2,049$1,439$998$246
30 years$3,786$2,714$1,909$1,321$902$209
31 years$3,624$2,566$1,779$1,213$815$178
32 years$3,473$2,428$1,660$1,115$737$152
33 years$3,331$2,299$1,550$1,025$667$129
34 years$3,198$2,179$1,448$943$604$110
35 years$3,072$2,067$1,354$868$547$94
36 years$2,954$1,962$1,267$800$496$80
37 years$2,843$1,863$1,186$737$449$68
38 years$2,737$1,771$1,110$679$407$58
39 years$2,637$1,684$1,040$626$369$49
40 years$2,543$1,602$975$577$335$42
41 years$2,453$1,525$914$533$304$36
42 years$2,368$1,452$858$492$276$31
43 years$2,287$1,384$805$454$250$26
44 years$2,210$1,319$755$419$227$22
45 years$2,136$1,258$709$387$206$19
46 years$2,066$1,200$666$358$187$16
47 years$2,000$1,145$626$330$170$14
48 years$1,936$1,093$588$305$154$12
49 years$1,874$1,044$553$282$140$10
50 years$1,816$997$520$261$127$9

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 $3,743 every year, while hoping to spend $23,318 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: 58/29/13 Blend
51$1,860,000$1,860,000$1,860,000$1,860,000
52$2,053,581$1,955,001$1,926,171$2,165,788
53$2,238,236$2,025,986$1,965,887$2,312,971
54$2,440,944$2,099,667$2,006,153$2,470,420
55$2,663,523$2,176,153$2,046,961$2,641,496
56$2,907,973$2,255,555$2,088,305$2,827,513
57$3,176,499$2,337,991$2,130,176$3,029,914
58$3,471,530$2,423,580$2,172,565$3,250,287
59$3,795,742$2,512,451$2,215,462$3,490,380
60$4,152,082$2,604,736$2,258,854$3,752,115
61$4,543,797$2,700,571$2,302,729$4,037,608
62$4,974,466$2,800,100$2,347,072$4,349,188
63$5,448,030$2,903,474$2,391,867$4,689,417
64$5,968,832$3,010,847$2,437,097$5,061,117
65$6,541,656$3,122,382$2,482,744$5,467,391
66$7,171,774$3,238,248$2,528,785$5,911,660
67$7,864,995$3,358,622$2,575,199$6,397,685
68$8,627,718$3,483,688$2,621,962$6,929,610
69$9,466,995$3,613,638$2,669,047$7,511,996
70$10,390,594$3,748,671$2,716,425$8,149,868
71$11,407,076$3,888,998$2,764,067$8,848,755
72$12,525,873$4,034,834$2,811,939$9,614,748
73$13,757,379$4,186,408$2,860,005$10,454,555
74$15,113,045$4,343,955$2,908,229$11,375,562
75$16,605,490$4,507,724$2,956,569$12,385,904
76$18,248,618$4,677,970$3,004,983$13,494,542
77$20,057,751$4,854,964$3,053,423$14,711,343
78$22,049,769$5,038,986$3,101,841$16,047,176
79$24,243,277$5,230,328$3,150,184$17,514,013
80$26,658,773$5,429,295$3,198,396$19,125,042
81$29,318,843$5,636,205$3,246,418$20,894,789
82$32,248,378$5,851,392$3,294,186$22,839,256
83$35,474,804$6,075,203$3,341,633$24,976,068
84$39,028,344$6,307,998$3,388,688$27,324,643
85$42,942,302$6,550,156$3,435,275$29,906,373
86$47,253,374$6,802,071$3,481,315$32,744,823
87$52,002,001$7,064,156$3,526,722$35,865,954
88$57,232,745$7,336,839$3,571,407$39,298,367
89$62,994,711$7,620,570$3,615,275$43,073,573
90$69,342,010$7,915,817$3,658,225$47,226,286
91$76,334,272$8,223,068$3,700,152$51,794,753
92$84,037,205$8,542,836$3,740,945$56,821,114
93$92,523,217$8,875,652$3,780,484$62,351,796
94$101,872,101$9,222,074$3,818,645$68,437,951
95$112,171,783$9,582,684$3,855,298$75,135,938
96$123,519,158$9,958,088$3,890,303$82,507,854
97$136,020,999$10,348,922$3,923,516$90,622,119
98$149,794,969$10,755,847$3,954,782$99,554,119
99$164,970,729$11,179,557$3,983,940$109,386,917
100$181,691,161$11,620,773$4,010,820$120,212,036