Can I retire at age 52 with 1,880,000?

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 $1,880,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.5%
1 years$155,249$153,866$152,517$151,200$149,914$146,528
2 years$76,856$75,424$74,037$72,692$71,388$67,994
3 years$50,728$49,291$47,907$46,575$45,291$41,997
4 years$37,667$36,234$34,864$33,554$32,302$29,132
5 years$29,832$28,408$27,056$25,773$24,556$21,518
6 years$24,611$23,197$21,865$20,611$19,430$16,529
7 years$20,883$19,481$18,170$16,945$15,802$13,037
8 years$18,088$16,699$15,410$14,215$13,109$10,480
9 years$15,915$14,539$13,272$12,108$11,040$8,545
10 years$14,178$12,816$11,571$10,437$9,406$7,043
11 years$12,758$11,409$10,187$9,084$8,090$5,854
12 years$11,575$10,240$9,041$7,967$7,010$4,899
13 years$10,575$9,254$8,077$7,034$6,113$4,122
14 years$9,719$8,412$7,257$6,244$5,359$3,484
15 years$8,977$7,684$6,553$5,569$4,718$2,956
16 years$8,329$7,050$5,941$4,986$4,170$2,515
17 years$7,758$6,493$5,406$4,480$3,697$2,146
18 years$7,250$6,000$4,935$4,037$3,288$1,834
19 years$6,797$5,560$4,518$3,648$2,930$1,571
20 years$6,390$5,167$4,146$3,304$2,617$1,348
21 years$6,021$4,813$3,814$2,999$2,342$1,158
22 years$5,687$4,493$3,515$2,726$2,100$996
23 years$5,382$4,202$3,245$2,483$1,885$857
24 years$5,103$3,937$3,001$2,265$1,694$738
25 years$4,847$3,695$2,780$2,068$1,524$636
26 years$4,611$3,472$2,578$1,891$1,373$549
27 years$4,392$3,268$2,394$1,731$1,238$474
28 years$4,190$3,079$2,226$1,586$1,117$409
29 years$4,002$2,905$2,071$1,454$1,009$353
30 years$3,827$2,743$1,929$1,335$911$305
31 years$3,663$2,593$1,799$1,226$824$264
32 years$3,510$2,454$1,678$1,127$745$228
33 years$3,367$2,324$1,567$1,036$675$197
34 years$3,232$2,203$1,464$953$611$170
35 years$3,105$2,089$1,369$877$553$147
36 years$2,986$1,983$1,280$808$501$128
37 years$2,873$1,883$1,198$745$454$110
38 years$2,767$1,790$1,122$686$412$95
39 years$2,666$1,702$1,051$633$373$83
40 years$2,570$1,619$985$584$339$72
41 years$2,480$1,541$924$538$307$62
42 years$2,394$1,468$867$497$279$54
43 years$2,312$1,399$813$459$253$46
44 years$2,234$1,333$764$424$230$40
45 years$2,159$1,271$717$391$209$35
46 years$2,089$1,213$673$361$189$30
47 years$2,021$1,157$633$334$172$26
48 years$1,956$1,105$594$308$156$23
49 years$1,895$1,055$559$285$142$20
50 years$1,836$1,008$525$264$129$17

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,880,000, adding $5,337 every year, while hoping to spend $51,720 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: 59/30/11 Blend
51$1,880,000$1,880,000$1,880,000$1,880,000
52$2,077,265$1,977,625$1,948,485$2,194,036
53$2,234,116$2,019,499$1,958,730$2,315,116
54$2,405,233$2,061,691$1,967,584$2,440,793
55$2,592,016$2,104,163$1,974,947$2,576,579
56$2,796,006$2,146,872$1,980,712$2,723,450
57$3,018,901$2,189,770$1,984,768$2,882,482
58$3,262,568$2,232,809$1,986,997$3,054,862
59$3,529,066$2,275,932$1,987,277$3,241,895
60$3,820,658$2,319,080$1,985,479$3,445,020
61$4,139,839$2,362,189$1,981,466$3,665,825
62$4,489,354$2,405,188$1,975,097$3,906,055
63$4,872,229$2,448,003$1,966,223$4,167,638
64$5,291,793$2,490,552$1,954,689$4,452,695
65$5,751,715$2,532,748$1,940,330$4,763,565
66$6,256,033$2,574,496$1,922,974$5,102,825
67$6,809,198$2,615,696$1,902,443$5,473,317
68$7,416,110$2,656,238$1,878,549$5,878,172
69$8,082,166$2,696,007$1,851,093$6,320,839
70$8,813,313$2,734,878$1,819,871$6,805,123
71$9,616,101$2,772,716$1,784,666$7,335,215
72$10,497,743$2,809,379$1,745,252$7,915,736
73$11,466,187$2,844,713$1,701,393$8,551,779
74$12,530,190$2,878,556$1,652,841$9,248,956
75$13,699,397$2,910,732$1,599,339$10,013,456
76$14,984,433$2,941,056$1,540,614$10,852,096
77$16,397,005$2,969,327$1,476,385$11,772,396
78$17,950,010$2,995,335$1,406,355$12,782,639
79$19,657,659$3,018,854$1,330,215$13,891,959
80$21,535,605$3,039,643$1,247,641$15,110,421
81$23,601,096$3,057,445$1,158,297$16,449,123
82$25,873,137$3,071,989$1,061,829$17,920,293
83$28,372,665$3,082,984$957,868$19,537,412
84$31,122,749$3,090,123$846,030$21,315,339
85$34,148,809$3,093,078$725,911$23,270,453
86$37,478,850$3,091,501$597,091$25,420,806
87$41,143,731$3,085,024$459,132$27,786,295
88$45,177,454$3,073,253$311,576$30,388,853
89$49,617,485$3,055,772$153,944$33,252,654
90$54,505,105$3,032,141$0$36,404,343
91$59,885,801$3,001,891$0$39,874,965
92$65,809,694$2,964,526$0$43,714,605
93$72,332,015$2,919,520$0$47,940,920
94$79,513,619$2,866,315$0$52,593,301
95$87,421,564$2,804,320$0$57,715,162
96$96,129,743$2,732,911$0$63,354,349
97$105,719,578$2,651,425$0$69,563,594
98$116,280,791$2,559,161$0$76,401,009
99$127,912,249$2,455,377$0$83,930,644
100$140,722,896$2,339,289$0$92,223,084