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%16.6%
1 years$154,423$153,047$151,705$150,395$149,116$145,100
2 years$76,447$75,023$73,643$72,306$71,008$66,990
3 years$50,458$49,028$47,652$46,327$45,050$41,157
4 years$37,467$36,041$34,679$33,376$32,130$28,391
5 years$29,674$28,257$26,912$25,636$24,425$20,850
6 years$24,480$23,074$21,749$20,501$19,327$15,920
7 years$20,772$19,377$18,073$16,855$15,718$12,479
8 years$17,992$16,610$15,328$14,139$13,039$9,967
9 years$15,831$14,462$13,202$12,044$10,981$8,073
10 years$14,103$12,747$11,510$10,382$9,356$6,608
11 years$12,690$11,348$10,133$9,035$8,047$5,454
12 years$11,514$10,186$8,993$7,925$6,973$4,532
13 years$10,519$9,205$8,034$6,997$6,081$3,785
14 years$9,667$8,367$7,219$6,211$5,330$3,175
15 years$8,930$7,643$6,518$5,539$4,693$2,673
16 years$8,285$7,013$5,909$4,960$4,148$2,257
17 years$7,716$6,458$5,377$4,456$3,678$1,910
18 years$7,212$5,968$4,909$4,016$3,270$1,620
19 years$6,761$5,531$4,494$3,629$2,915$1,376
20 years$6,356$5,140$4,124$3,286$2,604$1,171
21 years$5,989$4,787$3,793$2,983$2,330$997
22 years$5,657$4,469$3,496$2,712$2,088$850
23 years$5,354$4,180$3,228$2,470$1,875$725
24 years$5,076$3,916$2,985$2,253$1,685$619
25 years$4,821$3,675$2,765$2,057$1,516$529
26 years$4,586$3,454$2,564$1,881$1,366$453
27 years$4,369$3,251$2,381$1,722$1,231$387
28 years$4,168$3,063$2,214$1,577$1,111$331
29 years$3,981$2,890$2,060$1,447$1,003$284
30 years$3,807$2,729$1,919$1,328$907$243
31 years$3,644$2,580$1,789$1,219$820$208
32 years$3,492$2,441$1,669$1,121$741$178
33 years$3,349$2,312$1,558$1,030$671$153
34 years$3,215$2,191$1,456$948$607$131
35 years$3,089$2,078$1,361$873$550$112
36 years$2,970$1,972$1,274$804$499$96
37 years$2,858$1,873$1,192$741$452$82
38 years$2,752$1,780$1,116$683$410$71
39 years$2,652$1,693$1,046$629$371$60
40 years$2,557$1,611$980$581$337$52
41 years$2,466$1,533$919$536$306$44
42 years$2,381$1,460$862$494$277$38
43 years$2,299$1,391$809$456$252$33
44 years$2,222$1,326$759$421$228$28
45 years$2,148$1,265$713$389$207$24
46 years$2,078$1,206$670$359$188$21
47 years$2,010$1,151$629$332$171$18
48 years$1,946$1,099$591$307$155$15
49 years$1,885$1,049$556$284$141$13
50 years$1,826$1,002$523$262$128$11

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 $2,156 every year, while hoping to spend $49,316 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: 45/42/13 Blend
51$1,870,000$1,870,000$1,870,000$1,870,000
52$2,062,964$1,963,854$1,934,869$2,148,060
53$2,220,914$2,007,611$1,947,215$2,251,200
54$2,393,323$2,051,859$1,958,322$2,357,801
55$2,581,612$2,096,571$1,968,096$2,472,307
56$2,787,348$2,141,714$1,976,439$2,595,466
57$3,012,256$2,187,256$1,983,248$2,728,106
58$3,258,232$2,233,158$1,988,413$2,871,136
59$3,527,368$2,279,379$1,991,821$3,025,559
60$3,821,965$2,325,874$1,993,353$3,192,481
61$4,144,558$2,372,594$1,992,882$3,373,121
62$4,497,936$2,419,485$1,990,277$3,568,820
63$4,885,174$2,466,488$1,985,400$3,781,060
64$5,309,657$2,513,541$1,978,105$4,011,471
65$5,775,112$2,560,574$1,968,242$4,261,851
66$6,285,645$2,607,514$1,955,650$4,534,183
67$6,845,778$2,654,280$1,940,162$4,830,652
68$7,460,494$2,700,786$1,921,604$5,153,667
69$8,135,279$2,746,939$1,899,792$5,505,883
70$8,876,177$2,792,639$1,874,535$5,890,227
71$9,689,847$2,837,777$1,845,631$6,309,928
72$10,583,622$2,882,239$1,812,870$6,768,543
73$11,565,583$2,925,900$1,776,033$7,269,996
74$12,644,630$2,968,627$1,734,888$7,818,609
75$13,830,570$3,010,277$1,689,194$8,419,153
76$15,134,205$3,050,698$1,638,699$9,076,882
77$16,567,438$3,089,727$1,583,140$9,797,592
78$18,143,382$3,127,189$1,522,240$10,587,671
79$19,876,483$3,162,897$1,455,711$11,454,164
80$21,782,658$3,196,653$1,383,252$12,404,836
81$23,879,445$3,228,244$1,304,546$13,448,247
82$26,186,165$3,257,445$1,219,265$14,593,835
83$28,724,107$3,284,013$1,127,064$15,852,006
84$31,516,729$3,307,692$1,027,583$17,234,231
85$34,589,875$3,328,209$920,447$18,753,155
86$37,972,023$3,345,272$805,262$20,422,720
87$41,694,550$3,358,571$681,619$22,258,294
88$45,792,030$3,367,777$549,090$24,276,821
89$50,302,560$3,372,541$407,227$26,496,978
90$55,268,115$3,372,489$255,563$28,939,355
91$60,734,950$3,367,228$93,612$31,626,651
92$66,754,031$3,356,339$0$34,583,886
93$73,381,518$3,339,375$0$37,849,632
94$80,679,293$3,315,865$0$41,457,878
95$88,715,547$3,285,308$0$45,429,219
96$97,565,418$3,247,174$0$49,800,683
97$107,311,704$3,200,898$0$54,613,080
98$118,045,641$3,145,886$0$59,911,391
99$129,867,767$3,081,504$0$65,745,194
100$142,888,865$3,007,084$0$72,169,131