Can I retire at age 52 with 1,870,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $1,870,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.8%
1 years$154,423$153,047$151,705$150,395$149,116$143,257
2 years$76,447$75,023$73,643$72,306$71,008$65,176
3 years$50,458$49,028$47,652$46,327$45,050$39,430
4 years$37,467$36,041$34,679$33,376$32,130$26,764
5 years$29,674$28,257$26,912$25,636$24,425$19,327
6 years$24,480$23,074$21,749$20,501$19,327$14,500
7 years$20,772$19,377$18,073$16,855$15,718$11,160
8 years$17,992$16,610$15,328$14,139$13,039$8,747
9 years$15,831$14,462$13,202$12,044$10,981$6,947
10 years$14,103$12,747$11,510$10,382$9,356$5,573
11 years$12,690$11,348$10,133$9,035$8,047$4,506
12 years$11,514$10,186$8,993$7,925$6,973$3,665
13 years$10,519$9,205$8,034$6,997$6,081$2,995
14 years$9,667$8,367$7,219$6,211$5,330$2,457
15 years$8,930$7,643$6,518$5,539$4,693$2,022
16 years$8,285$7,013$5,909$4,960$4,148$1,668
17 years$7,716$6,458$5,377$4,456$3,678$1,379
18 years$7,212$5,968$4,909$4,016$3,270$1,142
19 years$6,761$5,531$4,494$3,629$2,915$947
20 years$6,356$5,140$4,124$3,286$2,604$786
21 years$5,989$4,787$3,793$2,983$2,330$653
22 years$5,657$4,469$3,496$2,712$2,088$543
23 years$5,354$4,180$3,228$2,470$1,875$452
24 years$5,076$3,916$2,985$2,253$1,685$376
25 years$4,821$3,675$2,765$2,057$1,516$313
26 years$4,586$3,454$2,564$1,881$1,366$261
27 years$4,369$3,251$2,381$1,722$1,231$218
28 years$4,168$3,063$2,214$1,577$1,111$181
29 years$3,981$2,890$2,060$1,447$1,003$151
30 years$3,807$2,729$1,919$1,328$907$126
31 years$3,644$2,580$1,789$1,219$820$105
32 years$3,492$2,441$1,669$1,121$741$88
33 years$3,349$2,312$1,558$1,030$671$73
34 years$3,215$2,191$1,456$948$607$61
35 years$3,089$2,078$1,361$873$550$51
36 years$2,970$1,972$1,274$804$499$43
37 years$2,858$1,873$1,192$741$452$36
38 years$2,752$1,780$1,116$683$410$30
39 years$2,652$1,693$1,046$629$371$25
40 years$2,557$1,611$980$581$337$21
41 years$2,466$1,533$919$536$306$17
42 years$2,381$1,460$862$494$277$14
43 years$2,299$1,391$809$456$252$12
44 years$2,222$1,326$759$421$228$10
45 years$2,148$1,265$713$389$207$8
46 years$2,078$1,206$670$359$188$7
47 years$2,010$1,151$629$332$171$6
48 years$1,946$1,099$591$307$155$5
49 years$1,885$1,049$556$284$141$4
50 years$1,826$1,002$523$262$128$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,870,000, adding $4,766 every year, while hoping to spend $38,240 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: 35/41/24 Blend
51$1,870,000$1,870,000$1,870,000$1,870,000
52$2,065,656$1,966,546$1,937,561$2,122,794
53$2,235,666$2,022,220$1,961,782$2,221,230
54$2,421,735$2,079,340$1,985,533$2,323,537
55$2,625,461$2,137,937$2,008,758$2,433,161
56$2,848,604$2,198,041$2,031,397$2,550,780
57$3,093,101$2,259,684$2,053,388$2,677,139
58$3,361,085$2,322,897$2,074,664$2,813,058
59$3,654,907$2,387,710$2,095,157$2,959,439
60$3,977,156$2,454,156$2,114,793$3,117,277
61$4,330,681$2,522,265$2,133,493$3,287,665
62$4,718,623$2,592,069$2,151,178$3,471,807
63$5,144,441$2,663,598$2,167,761$3,671,031
64$5,611,945$2,736,885$2,183,152$3,886,796
65$6,125,331$2,811,961$2,197,256$4,120,712
66$6,689,223$2,888,856$2,209,972$4,374,550
67$7,308,715$2,967,600$2,221,197$4,650,261
68$7,989,415$3,048,224$2,230,819$4,949,996
69$8,737,507$3,130,758$2,238,722$5,276,123
70$9,559,799$3,215,232$2,244,785$5,631,250
71$10,463,793$3,301,673$2,248,880$6,018,252
72$11,457,754$3,390,109$2,250,873$6,440,296
73$12,550,790$3,480,569$2,250,621$6,900,871
74$13,752,932$3,573,078$2,247,978$7,403,821
75$15,075,234$3,667,662$2,242,789$7,953,382
76$16,529,875$3,764,345$2,234,890$8,554,222
77$18,130,274$3,863,150$2,224,110$9,211,484
78$19,891,216$3,964,098$2,210,272$9,930,836
79$21,828,991$4,067,210$2,193,187$10,718,523
80$23,961,549$4,172,504$2,172,659$11,581,428
81$26,308,666$4,279,996$2,148,483$12,527,135
82$28,892,135$4,389,701$2,120,442$13,564,001
83$31,735,968$4,501,631$2,088,312$14,701,239
84$34,866,621$4,615,796$2,051,855$15,948,998
85$38,313,250$4,732,203$2,010,826$17,318,465
86$42,107,977$4,850,856$1,964,964$18,821,968
87$46,286,199$4,971,757$1,913,999$20,473,093
88$50,886,921$5,094,903$1,857,647$22,286,813
89$55,953,122$5,220,288$1,795,614$24,279,629
90$61,532,161$5,347,903$1,727,587$26,469,727
91$67,676,225$5,477,733$1,653,245$28,877,148
92$74,442,818$5,609,760$1,572,246$31,523,982
93$81,895,308$5,743,961$1,484,239$34,434,570
94$90,103,520$5,880,306$1,388,852$37,635,741
95$99,144,399$6,018,761$1,285,698$41,157,062
96$109,102,732$6,159,285$1,174,374$45,031,117
97$120,071,953$6,301,831$1,054,457$49,293,820
98$132,155,017$6,446,346$925,506$53,984,747
99$145,465,379$6,592,767$787,061$59,147,518
100$160,128,060$6,741,025$638,640$64,830,205