Can I retire at age 52 with 1,920,000?

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 $1,920,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.9%
1 years$158,552$157,140$155,762$154,417$153,103$149,402
2 years$78,491$77,029$75,612$74,239$72,906$69,200
3 years$51,808$50,339$48,926$47,566$46,255$42,659
4 years$38,468$37,005$35,606$34,268$32,989$29,531
5 years$30,467$29,012$27,632$26,321$25,078$21,768
6 years$25,135$23,691$22,330$21,049$19,843$16,684
7 years$21,327$19,895$18,557$17,306$16,138$13,130
8 years$18,473$17,054$15,738$14,517$13,388$10,530
9 years$16,254$14,849$13,555$12,366$11,275$8,565
10 years$14,480$13,088$11,817$10,659$9,607$7,042
11 years$13,029$11,652$10,404$9,277$8,262$5,838
12 years$11,822$10,458$9,233$8,137$7,160$4,873
13 years$10,800$9,451$8,249$7,184$6,243$4,089
14 years$9,926$8,591$7,412$6,377$5,473$3,447
15 years$9,168$7,848$6,692$5,687$4,819$2,916
16 years$8,506$7,200$6,067$5,092$4,259$2,474
17 years$7,923$6,631$5,521$4,575$3,776$2,105
18 years$7,405$6,127$5,040$4,123$3,358$1,794
19 years$6,942$5,679$4,614$3,726$2,993$1,532
20 years$6,525$5,277$4,234$3,374$2,673$1,310
21 years$6,149$4,915$3,895$3,062$2,392$1,122
22 years$5,808$4,588$3,590$2,784$2,144$962
23 years$5,497$4,291$3,314$2,536$1,925$825
24 years$5,212$4,021$3,065$2,313$1,730$709
25 years$4,950$3,773$2,839$2,112$1,557$609
26 years$4,709$3,546$2,633$1,931$1,402$524
27 years$4,486$3,337$2,445$1,768$1,264$450
28 years$4,279$3,145$2,273$1,620$1,141$388
29 years$4,087$2,967$2,115$1,485$1,030$334
30 years$3,908$2,802$1,970$1,363$931$287
31 years$3,741$2,649$1,837$1,252$841$248
32 years$3,585$2,506$1,714$1,151$761$213
33 years$3,438$2,373$1,600$1,058$689$184
34 years$3,301$2,249$1,495$973$624$158
35 years$3,171$2,134$1,398$896$565$137
36 years$3,049$2,025$1,308$825$512$118
37 years$2,934$1,923$1,224$760$464$102
38 years$2,825$1,828$1,146$701$421$88
39 years$2,723$1,738$1,074$646$381$75
40 years$2,625$1,654$1,006$596$346$65
41 years$2,532$1,574$944$550$314$56
42 years$2,444$1,499$885$508$285$48
43 years$2,361$1,428$831$469$258$42
44 years$2,281$1,362$780$433$235$36
45 years$2,205$1,298$732$400$213$31
46 years$2,133$1,239$688$369$193$27
47 years$2,064$1,182$646$341$176$23
48 years$1,998$1,128$607$315$159$20
49 years$1,935$1,078$571$291$145$17
50 years$1,875$1,029$536$269$132$15

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,920,000, adding $2,692 every year, while hoping to spend $24,701 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: 45/45/10 Blend
51$1,920,000$1,920,000$1,920,000$1,920,000
52$2,118,617$2,016,857$1,987,097$2,207,848
53$2,308,434$2,089,401$2,027,383$2,342,458
54$2,516,785$2,164,672$2,068,191$2,485,587
55$2,745,533$2,242,778$2,109,512$2,640,225
56$2,996,733$2,323,829$2,151,336$2,807,441
57$3,272,647$2,407,944$2,193,653$2,988,411
58$3,575,767$2,495,243$2,236,450$3,184,428
59$3,908,838$2,585,853$2,279,714$3,396,911
60$4,274,886$2,679,906$2,323,430$3,627,420
61$4,677,242$2,777,539$2,367,583$3,877,672
62$5,119,576$2,878,894$2,412,153$4,149,553
63$5,605,935$2,984,122$2,457,122$4,445,137
64$6,140,773$3,093,377$2,502,468$4,766,704
65$6,729,001$3,206,821$2,548,170$5,116,763
66$7,376,026$3,324,623$2,594,201$5,498,075
67$8,087,809$3,446,957$2,640,535$5,913,673
68$8,870,916$3,574,009$2,687,143$6,366,898
69$9,732,582$3,705,967$2,733,994$6,861,425
70$10,680,778$3,843,032$2,781,056$7,401,298
71$11,724,287$3,985,410$2,828,291$7,990,965
72$12,872,787$4,133,318$2,875,661$8,635,325
73$14,136,942$4,286,981$2,923,127$9,339,768
74$15,528,501$4,446,635$2,970,642$10,110,227
75$17,060,411$4,612,523$3,018,162$10,953,234
76$18,746,938$4,784,902$3,065,636$11,875,977
77$20,603,802$4,964,038$3,113,011$12,886,374
78$22,648,323$5,150,209$3,160,230$13,993,138
79$24,899,587$5,343,705$3,207,233$15,205,866
80$27,378,627$5,544,828$3,253,957$16,535,123
81$30,108,615$5,753,893$3,300,333$17,992,543
82$33,115,090$5,971,230$3,346,290$19,590,937
83$36,426,190$6,197,181$3,391,751$21,344,415
84$40,072,923$6,432,104$3,436,637$23,268,515
85$44,089,457$6,676,374$3,480,860$25,380,346
86$48,513,445$6,930,379$3,524,332$27,698,757
87$53,386,375$7,194,526$3,566,956$30,244,504
88$58,753,968$7,469,241$3,608,632$33,040,449
89$64,666,604$7,754,965$3,649,253$36,111,774
90$71,179,801$8,052,162$3,688,706$39,486,217
91$78,354,736$8,361,312$3,726,872$43,194,333
92$86,258,823$8,682,921$3,763,627$47,269,776
93$94,966,353$9,017,514$3,798,838$51,749,621
94$104,559,188$9,365,639$3,832,366$56,674,710
95$115,127,540$9,727,870$3,864,065$62,090,033
96$126,770,818$10,104,805$3,893,780$68,045,155
97$139,598,569$10,497,068$3,921,350$74,594,678
98$153,731,510$10,905,311$3,946,602$81,798,755
99$169,302,669$11,330,216$3,969,357$89,723,659
100$186,458,638$11,772,493$3,989,428$98,442,401