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

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 $1,870,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.3%
1 years$154,423$153,047$151,705$150,395$149,116$147,070
2 years$76,447$75,023$73,643$72,306$71,008$68,950
3 years$50,458$49,028$47,652$46,327$45,050$43,045
4 years$37,467$36,041$34,679$33,376$32,130$30,192
5 years$29,674$28,257$26,912$25,636$24,425$22,560
6 years$24,480$23,074$21,749$20,501$19,327$17,538
7 years$20,772$19,377$18,073$16,855$15,718$14,005
8 years$17,992$16,610$15,328$14,139$13,039$11,403
9 years$15,831$14,462$13,202$12,044$10,981$9,419
10 years$14,103$12,747$11,510$10,382$9,356$7,869
11 years$12,690$11,348$10,133$9,035$8,047$6,632
12 years$11,514$10,186$8,993$7,925$6,973$5,629
13 years$10,519$9,205$8,034$6,997$6,081$4,806
14 years$9,667$8,367$7,219$6,211$5,330$4,123
15 years$8,930$7,643$6,518$5,539$4,693$3,551
16 years$8,285$7,013$5,909$4,960$4,148$3,069
17 years$7,716$6,458$5,377$4,456$3,678$2,660
18 years$7,212$5,968$4,909$4,016$3,270$2,311
19 years$6,761$5,531$4,494$3,629$2,915$2,011
20 years$6,356$5,140$4,124$3,286$2,604$1,754
21 years$5,989$4,787$3,793$2,983$2,330$1,532
22 years$5,657$4,469$3,496$2,712$2,088$1,340
23 years$5,354$4,180$3,228$2,470$1,875$1,173
24 years$5,076$3,916$2,985$2,253$1,685$1,028
25 years$4,821$3,675$2,765$2,057$1,516$902
26 years$4,586$3,454$2,564$1,881$1,366$792
27 years$4,369$3,251$2,381$1,722$1,231$696
28 years$4,168$3,063$2,214$1,577$1,111$611
29 years$3,981$2,890$2,060$1,447$1,003$538
30 years$3,807$2,729$1,919$1,328$907$473
31 years$3,644$2,580$1,789$1,219$820$416
32 years$3,492$2,441$1,669$1,121$741$367
33 years$3,349$2,312$1,558$1,030$671$323
34 years$3,215$2,191$1,456$948$607$284
35 years$3,089$2,078$1,361$873$550$251
36 years$2,970$1,972$1,274$804$499$221
37 years$2,858$1,873$1,192$741$452$195
38 years$2,752$1,780$1,116$683$410$172
39 years$2,652$1,693$1,046$629$371$151
40 years$2,557$1,611$980$581$337$133
41 years$2,466$1,533$919$536$306$118
42 years$2,381$1,460$862$494$277$104
43 years$2,299$1,391$809$456$252$92
44 years$2,222$1,326$759$421$228$81
45 years$2,148$1,265$713$389$207$71
46 years$2,078$1,206$670$359$188$63
47 years$2,010$1,151$629$332$171$55
48 years$1,946$1,099$591$307$155$49
49 years$1,885$1,049$556$284$141$43
50 years$1,826$1,002$523$262$128$38

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 $3,283 every year, while hoping to spend $27,649 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: 65/10/25 Blend
51$1,870,000$1,870,000$1,870,000$1,870,000
52$2,064,126$1,965,016$1,936,031$2,184,617
53$2,245,249$2,031,884$1,971,470$2,333,136
54$2,443,919$2,101,101$2,007,169$2,492,002
55$2,661,898$2,172,754$2,043,109$2,665,019
56$2,901,125$2,246,932$2,079,266$2,853,579
57$3,163,736$2,323,728$2,115,618$3,059,216
58$3,452,084$2,403,238$2,152,138$3,283,620
59$3,768,762$2,485,562$2,188,799$3,528,650
60$4,116,624$2,570,803$2,225,573$3,796,356
61$4,498,817$2,659,069$2,262,427$4,088,994
62$4,918,806$2,750,474$2,299,328$4,409,049
63$5,380,409$2,845,132$2,336,240$4,759,259
64$5,887,832$2,943,164$2,373,125$5,142,641
65$6,445,708$3,044,697$2,409,942$5,562,515
66$7,059,144$3,149,860$2,446,649$6,022,541
67$7,733,762$3,258,789$2,483,198$6,526,751
68$8,475,762$3,371,626$2,519,541$7,079,586
69$9,291,970$3,488,516$2,555,625$7,685,938
70$10,189,909$3,609,611$2,591,397$8,351,198
71$11,177,868$3,735,070$2,626,797$9,081,305
72$12,264,979$3,865,057$2,661,763$9,882,802
73$13,461,305$3,999,743$2,696,230$10,762,897
74$14,777,933$4,139,305$2,730,129$11,729,533
75$16,227,079$4,283,929$2,763,386$12,791,462
76$17,822,206$4,433,805$2,795,923$13,958,326
77$19,578,144$4,589,135$2,827,660$15,240,749
78$21,511,237$4,750,125$2,858,509$16,650,437
79$23,639,493$4,916,991$2,888,379$18,200,289
80$25,982,756$5,089,959$2,917,174$19,904,518
81$28,562,891$5,269,260$2,944,794$21,778,784
82$31,403,991$5,455,140$2,971,130$23,840,343
83$34,532,606$5,647,849$2,996,070$26,108,210
84$37,977,990$5,847,651$3,019,496$28,603,338
85$41,772,379$6,054,821$3,041,284$31,348,813
86$45,951,296$6,269,641$3,061,301$34,370,076
87$50,553,883$6,492,409$3,079,410$37,695,162
88$55,623,275$6,723,432$3,095,465$41,354,962
89$61,207,000$6,963,032$3,109,315$45,383,515
90$67,357,436$7,211,542$3,120,799$49,818,333
91$74,132,296$7,469,310$3,129,747$54,700,750
92$81,595,181$7,736,696$3,135,985$60,076,314
93$89,816,174$8,014,079$3,139,325$65,995,219
94$98,872,504$8,301,849$3,139,572$72,512,775
95$108,849,275$8,600,415$3,136,524$79,689,931
96$119,840,268$8,910,202$3,129,963$87,593,851
97$131,948,825$9,231,652$3,119,667$96,298,551
98$145,288,828$9,565,226$3,105,399$105,885,589
99$159,985,769$9,911,403$3,086,911$116,444,843
100$176,177,940$10,270,684$3,063,944$128,075,356