Can I retire at age 52 with 1,800,000?

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 $1,800,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.6%
1 years$148,642$147,318$146,027$144,766$143,535$138,552
2 years$73,585$72,215$70,887$69,599$68,350$63,382
3 years$48,570$47,193$45,868$44,593$43,364$38,566
4 years$36,064$34,692$33,380$32,127$30,928$26,337
5 years$28,563$27,199$25,905$24,676$23,511$19,139
6 years$23,564$22,210$20,935$19,734$18,603$14,454
7 years$19,994$18,652$17,397$16,224$15,129$11,202
8 years$17,318$15,988$14,754$13,610$12,551$8,842
9 years$15,238$13,921$12,708$11,593$10,570$7,075
10 years$13,575$12,270$11,079$9,993$9,006$5,719
11 years$12,215$10,924$9,754$8,697$7,746$4,660
12 years$11,083$9,804$8,656$7,628$6,712$3,821
13 years$10,125$8,860$7,734$6,735$5,853$3,148
14 years$9,305$8,054$6,949$5,978$5,131$2,605
15 years$8,595$7,357$6,274$5,332$4,518$2,162
16 years$7,975$6,750$5,688$4,774$3,993$1,799
17 years$7,428$6,217$5,176$4,289$3,540$1,501
18 years$6,942$5,744$4,725$3,866$3,148$1,254
19 years$6,508$5,324$4,325$3,493$2,806$1,049
20 years$6,118$4,947$3,970$3,163$2,506$879
21 years$5,765$4,608$3,651$2,871$2,243$737
22 years$5,445$4,302$3,365$2,610$2,010$619
23 years$5,153$4,023$3,107$2,377$1,804$520
24 years$4,886$3,769$2,874$2,168$1,622$437
25 years$4,641$3,537$2,662$1,980$1,459$367
26 years$4,415$3,325$2,468$1,811$1,315$309
27 years$4,206$3,129$2,292$1,657$1,185$260
28 years$4,012$2,948$2,131$1,518$1,069$219
29 years$3,832$2,781$1,983$1,392$966$184
30 years$3,664$2,627$1,847$1,278$873$155
31 years$3,507$2,483$1,722$1,174$789$131
32 years$3,361$2,350$1,607$1,079$714$110
33 years$3,224$2,225$1,500$992$646$93
34 years$3,095$2,109$1,402$913$585$78
35 years$2,973$2,000$1,310$840$530$66
36 years$2,859$1,898$1,226$774$480$56
37 years$2,751$1,803$1,147$713$435$47
38 years$2,649$1,714$1,074$657$394$39
39 years$2,552$1,629$1,007$606$358$33
40 years$2,461$1,550$944$559$324$28
41 years$2,374$1,476$885$516$294$24
42 years$2,292$1,405$830$476$267$20
43 years$2,213$1,339$779$439$242$17
44 years$2,139$1,276$731$406$220$14
45 years$2,068$1,217$686$375$200$12
46 years$2,000$1,161$645$346$181$10
47 years$1,935$1,108$606$320$165$8
48 years$1,873$1,058$569$295$149$7
49 years$1,814$1,010$535$273$136$6
50 years$1,757$965$503$252$123$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,800,000, adding $4,870 every year, while hoping to spend $33,731 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: 66/29/5 Blend
51$1,800,000$1,800,000$1,800,000$1,800,000
52$1,988,623$1,893,223$1,865,323$2,118,276
53$2,155,573$1,950,102$1,891,922$2,261,783
54$2,338,422$2,008,637$1,918,282$2,414,036
55$2,538,755$2,068,874$1,944,358$2,579,511
56$2,758,319$2,130,860$1,970,105$2,759,492
57$2,999,037$2,194,642$1,995,473$2,955,389
58$3,263,030$2,260,270$2,020,412$3,168,755
59$3,552,629$2,327,793$2,044,866$3,401,301
60$3,870,405$2,397,264$2,068,778$3,654,909
61$4,219,191$2,468,733$2,092,086$3,931,651
62$4,602,103$2,542,256$2,114,725$4,233,807
63$5,022,578$2,617,887$2,136,629$4,563,891
64$5,484,400$2,695,682$2,157,725$4,924,668
65$5,991,737$2,775,700$2,177,938$5,319,184
66$6,549,183$2,857,997$2,197,187$5,750,792
67$7,161,796$2,942,636$2,215,389$6,223,187
68$7,835,151$3,029,676$2,232,456$6,740,437
69$8,575,387$3,119,181$2,248,295$7,307,022
70$9,389,271$3,211,216$2,262,807$7,927,878
71$10,284,256$3,305,844$2,275,890$8,608,441
72$11,268,553$3,403,134$2,287,435$9,354,697
73$12,351,210$3,503,152$2,297,329$10,173,243
74$13,542,197$3,605,970$2,305,453$11,071,345
75$14,852,496$3,711,657$2,311,680$12,057,004
76$16,294,208$3,820,286$2,315,880$13,139,040
77$17,880,668$3,931,931$2,317,913$14,327,165
78$19,626,568$4,046,667$2,317,634$15,632,080
79$21,548,094$4,164,570$2,314,891$17,065,574
80$23,663,084$4,285,718$2,309,524$18,640,636
81$25,991,191$4,410,191$2,301,365$20,371,576
82$28,554,071$4,538,068$2,290,239$22,274,161
83$31,375,585$4,669,433$2,275,962$24,365,761
84$34,482,028$4,804,368$2,258,339$26,665,515
85$37,902,370$4,942,958$2,237,170$29,194,511
86$41,668,538$5,085,289$2,212,241$31,975,985
87$45,815,709$5,231,448$2,183,331$35,035,536
88$50,382,646$5,381,524$2,150,207$38,401,374
89$55,412,064$5,535,606$2,112,627$42,104,579
90$60,951,029$5,693,786$2,070,334$46,179,401
91$67,051,407$5,856,154$2,023,064$50,663,576
92$73,770,350$6,022,805$1,970,536$55,598,686
93$81,170,836$6,193,833$1,912,459$61,030,549
94$89,322,262$6,369,332$1,848,527$67,009,655
95$98,301,102$6,549,398$1,778,422$73,591,635
96$108,191,624$6,734,129$1,701,809$80,837,794
97$119,086,690$6,923,621$1,618,340$88,815,683
98$131,088,628$7,117,974$1,527,650$97,599,738
99$144,310,198$7,317,285$1,429,356$107,271,983
100$158,875,661$7,521,654$1,323,062$117,922,806