Can I retire at age 52 with 1,980,000?

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 $1,980,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15%
1 years$163,507$162,050$160,629$159,242$157,888$154,637
2 years$80,944$79,436$77,975$76,559$75,185$71,924
3 years$53,427$51,913$50,455$49,052$47,700$44,532
4 years$39,671$38,161$36,718$35,339$34,020$30,968
5 years$31,419$29,919$28,495$27,144$25,862$22,935
6 years$25,920$24,431$23,028$21,707$20,463$17,665
7 years$21,994$20,517$19,137$17,847$16,642$13,973
8 years$19,050$17,587$16,229$14,971$13,806$11,265
9 years$16,762$15,313$13,978$12,752$11,627$9,212
10 years$14,932$13,497$12,187$10,992$9,907$7,616
11 years$13,437$12,016$10,729$9,567$8,520$6,351
12 years$12,191$10,785$9,522$8,391$7,383$5,332
13 years$11,138$9,746$8,507$7,408$6,438$4,502
14 years$10,236$8,859$7,644$6,576$5,644$3,818
15 years$9,455$8,093$6,901$5,865$4,969$3,250
16 years$8,772$7,425$6,257$5,251$4,392$2,775
17 years$8,170$6,838$5,693$4,718$3,894$2,376
18 years$7,636$6,319$5,197$4,252$3,463$2,039
19 years$7,159$5,856$4,758$3,842$3,086$1,753
20 years$6,729$5,442$4,367$3,480$2,757$1,509
21 years$6,342$5,069$4,016$3,158$2,467$1,302
22 years$5,989$4,732$3,702$2,871$2,211$1,124
23 years$5,668$4,425$3,418$2,615$1,985$971
24 years$5,375$4,146$3,161$2,385$1,784$840
25 years$5,105$3,891$2,928$2,178$1,605$727
26 years$4,856$3,657$2,715$1,992$1,446$629
27 years$4,626$3,442$2,521$1,823$1,304$545
28 years$4,413$3,243$2,344$1,670$1,176$473
29 years$4,215$3,059$2,181$1,532$1,062$410
30 years$4,030$2,889$2,032$1,406$960$356
31 years$3,858$2,731$1,894$1,291$868$309
32 years$3,697$2,584$1,767$1,186$785$268
33 years$3,546$2,448$1,650$1,091$710$233
34 years$3,404$2,320$1,542$1,004$643$202
35 years$3,270$2,200$1,441$924$583$175
36 years$3,145$2,088$1,348$851$528$152
37 years$3,026$1,983$1,262$784$478$132
38 years$2,914$1,885$1,182$723$434$115
39 years$2,808$1,792$1,107$666$393$100
40 years$2,707$1,705$1,038$615$357$87
41 years$2,612$1,623$973$567$324$76
42 years$2,521$1,546$913$523$294$66
43 years$2,435$1,473$857$483$267$57
44 years$2,353$1,404$804$446$242$50
45 years$2,274$1,339$755$412$220$43
46 years$2,200$1,277$709$381$199$37
47 years$2,129$1,219$666$352$181$33
48 years$2,060$1,164$626$325$164$28
49 years$1,995$1,111$588$300$149$25
50 years$1,933$1,061$553$278$136$21

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,980,000, adding $6,259 every year, while hoping to spend $46,565 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: 65/27/8 Blend
51$1,980,000$1,980,000$1,980,000$1,980,000
52$2,188,416$2,083,476$2,052,786$2,326,859
53$2,362,090$2,136,022$2,072,010$2,472,337
54$2,551,918$2,189,581$2,090,317$2,625,122
55$2,759,498$2,244,155$2,107,627$2,790,833
56$2,986,591$2,299,743$2,123,857$2,970,722
57$3,235,134$2,356,342$2,138,917$3,166,170
58$3,507,263$2,413,947$2,152,715$3,378,697
59$3,805,326$2,472,553$2,165,153$3,609,977
60$4,131,911$2,532,150$2,176,128$3,861,852
61$4,489,869$2,592,729$2,185,532$4,136,352
62$4,882,339$2,654,276$2,193,250$4,435,712
63$5,312,777$2,716,775$2,199,164$4,762,396
64$5,784,992$2,780,209$2,203,148$5,119,114
65$6,303,178$2,844,555$2,205,070$5,508,855
66$6,871,954$2,909,791$2,204,792$5,934,909
67$7,496,410$2,975,887$2,202,169$6,400,902
68$8,182,152$3,042,813$2,197,049$6,910,829
69$8,935,353$3,110,533$2,189,272$7,469,089
70$9,762,818$3,179,008$2,178,672$8,080,530
71$10,672,040$3,248,194$2,165,072$8,750,495
72$11,671,276$3,318,043$2,148,289$9,484,867
73$12,769,620$3,388,501$2,128,131$10,290,131
74$13,977,093$3,459,509$2,104,395$11,173,432
75$15,304,735$3,531,004$2,076,871$12,142,642
76$16,764,708$3,602,914$2,045,337$13,206,435
77$18,370,415$3,675,163$2,009,561$14,374,369
78$20,136,618$3,747,666$1,969,302$15,656,977
79$22,079,585$3,820,334$1,924,306$17,065,864
80$24,217,239$3,893,067$1,874,307$18,613,819
81$26,569,328$3,965,758$1,819,027$20,314,935
82$29,157,611$4,038,291$1,758,176$22,184,740
83$32,006,062$4,110,543$1,691,450$24,240,348
84$35,141,099$4,182,378$1,618,532$26,500,617
85$38,591,827$4,253,650$1,539,089$28,986,328
86$42,390,319$4,324,205$1,452,774$31,720,380
87$46,571,915$4,393,874$1,359,225$34,728,012
88$51,175,553$4,462,477$1,258,062$38,037,033
89$56,244,142$4,529,820$1,148,889$41,678,090
90$61,824,960$4,595,697$1,031,292$45,684,957
91$67,970,104$4,659,885$904,839$50,094,853
92$74,736,982$4,722,147$769,079$54,948,794
93$82,188,851$4,782,228$623,539$60,291,981
94$90,395,413$4,839,857$467,728$66,174,226
95$99,433,480$4,894,744$301,130$72,650,421
96$109,387,687$4,946,579$123,211$79,781,063
97$120,351,301$4,995,032$0$87,632,817
98$132,427,096$5,039,750$0$96,284,843
99$145,728,320$5,080,358$0$105,824,008
100$160,379,769$5,116,456$0$116,329,062