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

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 $1,920,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.8%
1 years$158,552$157,140$155,762$154,417$153,103$148,859
2 years$78,491$77,029$75,612$74,239$72,906$68,662
3 years$51,808$50,339$48,926$47,566$46,255$42,143
4 years$38,468$37,005$35,606$34,268$32,989$29,042
5 years$30,467$29,012$27,632$26,321$25,078$21,306
6 years$25,135$23,691$22,330$21,049$19,843$16,250
7 years$21,327$19,895$18,557$17,306$16,138$12,724
8 years$18,473$17,054$15,738$14,517$13,388$10,151
9 years$16,254$14,849$13,555$12,366$11,275$8,211
10 years$14,480$13,088$11,817$10,659$9,607$6,713
11 years$13,029$11,652$10,404$9,277$8,262$5,534
12 years$11,822$10,458$9,233$8,137$7,160$4,592
13 years$10,800$9,451$8,249$7,184$6,243$3,830
14 years$9,926$8,591$7,412$6,377$5,473$3,209
15 years$9,168$7,848$6,692$5,687$4,819$2,697
16 years$8,506$7,200$6,067$5,092$4,259$2,274
17 years$7,923$6,631$5,521$4,575$3,776$1,922
18 years$7,405$6,127$5,040$4,123$3,358$1,627
19 years$6,942$5,679$4,614$3,726$2,993$1,380
20 years$6,525$5,277$4,234$3,374$2,673$1,173
21 years$6,149$4,915$3,895$3,062$2,392$997
22 years$5,808$4,588$3,590$2,784$2,144$849
23 years$5,497$4,291$3,314$2,536$1,925$723
24 years$5,212$4,021$3,065$2,313$1,730$617
25 years$4,950$3,773$2,839$2,112$1,557$526
26 years$4,709$3,546$2,633$1,931$1,402$449
27 years$4,486$3,337$2,445$1,768$1,264$383
28 years$4,279$3,145$2,273$1,620$1,141$328
29 years$4,087$2,967$2,115$1,485$1,030$280
30 years$3,908$2,802$1,970$1,363$931$239
31 years$3,741$2,649$1,837$1,252$841$205
32 years$3,585$2,506$1,714$1,151$761$175
33 years$3,438$2,373$1,600$1,058$689$150
34 years$3,301$2,249$1,495$973$624$128
35 years$3,171$2,134$1,398$896$565$110
36 years$3,049$2,025$1,308$825$512$94
37 years$2,934$1,923$1,224$760$464$80
38 years$2,825$1,828$1,146$701$421$69
39 years$2,723$1,738$1,074$646$381$59
40 years$2,625$1,654$1,006$596$346$50
41 years$2,532$1,574$944$550$314$43
42 years$2,444$1,499$885$508$285$37
43 years$2,361$1,428$831$469$258$32
44 years$2,281$1,362$780$433$235$27
45 years$2,205$1,298$732$400$213$23
46 years$2,133$1,239$688$369$193$20
47 years$2,064$1,182$646$341$176$17
48 years$1,998$1,128$607$315$159$14
49 years$1,935$1,078$571$291$145$12
50 years$1,875$1,029$536$269$132$11

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 $5,102 every year, while hoping to spend $54,132 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: 40/32/28 Blend
51$1,920,000$1,920,000$1,920,000$1,920,000
52$2,121,103$2,019,343$1,989,583$2,188,234
53$2,279,859$2,060,694$1,998,638$2,278,855
54$2,452,994$2,102,258$2,006,182$2,371,428
55$2,641,918$2,143,987$2,012,107$2,470,551
56$2,848,182$2,185,830$2,016,301$2,576,858
57$3,073,493$2,227,733$2,018,643$2,691,050
58$3,319,732$2,269,635$2,019,011$2,813,900
59$3,588,969$2,311,471$2,017,272$2,946,259
60$3,883,483$2,353,172$2,013,289$3,089,071
61$4,205,783$2,394,662$2,006,919$3,243,373
62$4,558,632$2,435,860$1,998,011$3,410,313
63$4,945,074$2,476,678$1,986,405$3,591,158
64$5,368,458$2,517,022$1,971,937$3,787,305
65$5,832,476$2,556,792$1,954,432$4,000,296
66$6,341,192$2,595,877$1,933,708$4,231,835
67$6,899,081$2,634,163$1,909,575$4,483,799
68$7,511,074$2,671,524$1,881,833$4,758,264
69$8,182,602$2,707,827$1,850,272$5,057,516
70$8,919,645$2,742,928$1,814,674$5,384,083
71$9,728,793$2,776,676$1,774,810$5,740,750
72$10,617,304$2,808,907$1,730,440$6,130,594
73$11,593,172$2,839,446$1,681,313$6,557,007
74$12,665,204$2,868,109$1,627,166$7,023,734
75$13,843,105$2,894,696$1,567,726$7,534,905
76$15,137,562$2,918,996$1,502,705$8,095,080
77$16,560,351$2,940,784$1,431,803$8,709,285
78$18,124,445$2,959,821$1,354,707$9,383,070
79$19,844,138$2,975,852$1,271,089$10,122,554
80$21,735,176$2,988,604$1,180,606$10,934,487
81$23,814,908$2,997,790$1,082,901$11,826,319
82$26,102,449$3,003,102$977,598$12,806,262
83$28,618,859$3,004,215$864,309$13,883,380
84$31,387,343$3,000,782$742,623$15,067,665
85$34,433,468$2,992,436$612,117$16,370,141
86$37,785,402$2,978,786$472,343$17,802,967
87$41,474,185$2,959,418$322,839$19,379,550
88$45,534,016$2,933,894$163,118$21,114,679
89$50,002,578$2,901,747$0$23,024,661
90$54,921,393$2,862,484$0$25,129,671
91$60,336,210$2,815,581$0$27,499,501
92$66,297,444$2,760,484$0$30,107,400
93$72,860,641$2,696,606$0$32,977,655
94$80,087,012$2,623,326$0$36,137,039
95$88,044,002$2,539,984$0$39,615,057
96$96,805,931$2,445,883$0$43,444,236
97$106,454,692$2,340,288$0$47,660,425
98$117,080,525$2,222,416$0$52,303,138
99$128,782,868$2,091,444$0$57,415,928
100$141,671,294$1,946,498$0$63,046,802