Can I retire at age 52 with 1,810,000?

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 $1,810,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.3%
1 years$149,468$148,137$146,838$145,570$144,332$141,187
2 years$73,994$72,616$71,280$69,986$68,729$65,577
3 years$48,839$47,455$46,123$44,840$43,605$40,543
4 years$36,265$34,885$33,566$32,305$31,099$28,152
5 years$28,722$27,350$26,048$24,813$23,641$20,816
6 years$23,695$22,333$21,051$19,843$18,706$16,007
7 years$20,105$18,756$17,494$16,314$15,213$12,640
8 years$17,414$16,077$14,836$13,686$12,621$10,173
9 years$15,323$13,998$12,778$11,657$10,629$8,304
10 years$13,650$12,338$11,140$10,049$9,056$6,853
11 years$12,283$10,984$9,808$8,745$7,789$5,703
12 years$11,144$9,859$8,704$7,671$6,749$4,779
13 years$10,182$8,909$7,777$6,772$5,886$4,027
14 years$9,357$8,098$6,987$6,012$5,159$3,408
15 years$8,643$7,398$6,309$5,361$4,543$2,895
16 years$8,019$6,788$5,720$4,800$4,015$2,467
17 years$7,469$6,251$5,205$4,313$3,560$2,108
18 years$6,980$5,776$4,751$3,887$3,165$1,805
19 years$6,544$5,353$4,349$3,512$2,821$1,548
20 years$6,152$4,975$3,992$3,181$2,520$1,330
21 years$5,797$4,634$3,672$2,887$2,255$1,144
22 years$5,475$4,325$3,384$2,625$2,021$985
23 years$5,182$4,045$3,124$2,391$1,815$850
24 years$4,913$3,790$2,890$2,180$1,631$733
25 years$4,666$3,557$2,676$1,991$1,468$633
26 years$4,439$3,343$2,482$1,821$1,322$547
27 years$4,229$3,146$2,305$1,666$1,192$473
28 years$4,034$2,965$2,143$1,527$1,075$409
29 years$3,853$2,797$1,994$1,400$971$354
30 years$3,684$2,641$1,857$1,285$877$306
31 years$3,527$2,497$1,732$1,180$793$265
32 years$3,380$2,363$1,616$1,085$718$229
33 years$3,241$2,237$1,508$997$649$199
34 years$3,112$2,121$1,409$918$588$172
35 years$2,990$2,011$1,318$845$533$149
36 years$2,875$1,909$1,233$778$483$129
37 years$2,766$1,813$1,154$717$437$112
38 years$2,664$1,723$1,080$661$396$97
39 years$2,567$1,639$1,012$609$360$84
40 years$2,475$1,559$949$562$326$73
41 years$2,387$1,484$890$518$296$63
42 years$2,304$1,413$835$478$268$55
43 years$2,226$1,347$783$442$244$48
44 years$2,151$1,284$735$408$221$41
45 years$2,079$1,224$690$377$201$36
46 years$2,011$1,168$648$348$182$31
47 years$1,946$1,114$609$321$166$27
48 years$1,884$1,064$572$297$150$23
49 years$1,824$1,016$538$274$137$20
50 years$1,767$970$506$254$124$18

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,810,000, adding $4,641 every year, while hoping to spend $47,990 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: 32/48/20 Blend
51$1,810,000$1,810,000$1,810,000$1,810,000
52$1,999,407$1,903,477$1,875,422$2,050,859
53$2,152,286$1,945,687$1,887,188$2,131,966
54$2,319,149$1,988,356$1,897,739$2,214,575
55$2,501,374$2,031,457$1,906,985$2,302,553
56$2,700,475$2,074,958$1,914,829$2,396,396
57$2,918,118$2,118,826$1,921,171$2,496,656
58$3,156,140$2,163,023$1,925,904$2,603,939
59$3,416,562$2,207,507$1,928,918$2,718,914
60$3,701,610$2,252,233$1,930,095$2,842,319
61$4,013,734$2,297,152$1,929,313$2,974,968
62$4,355,634$2,342,211$1,926,444$3,117,760
63$4,730,281$2,387,352$1,921,352$3,271,686
64$5,140,948$2,432,512$1,913,896$3,437,839
65$5,591,242$2,477,621$1,903,929$3,617,426
66$6,085,132$2,522,608$1,891,293$3,811,778
67$6,626,991$2,567,392$1,875,828$4,022,364
68$7,221,637$2,611,887$1,857,361$4,250,803
69$7,874,376$2,656,001$1,835,715$4,498,884
70$8,591,052$2,699,635$1,810,701$4,768,579
71$9,378,105$2,742,683$1,782,124$5,062,065
72$10,242,625$2,785,028$1,749,780$5,381,742
73$11,192,428$2,826,549$1,713,452$5,730,260
74$12,236,119$2,867,114$1,672,916$6,110,542
75$13,383,182$2,906,581$1,627,938$6,525,812
76$14,644,064$2,944,800$1,578,271$6,979,627
77$16,030,272$2,981,610$1,523,657$7,475,912
78$17,554,489$3,016,837$1,463,828$8,018,995
79$19,230,682$3,050,298$1,398,502$8,613,653
80$21,074,246$3,081,796$1,327,385$9,265,154
81$23,102,136$3,111,122$1,250,170$9,979,309
82$25,333,039$3,138,052$1,166,536$10,762,527
83$27,787,540$3,162,347$1,076,146$11,621,881
84$30,488,321$3,183,755$978,649$12,565,167
85$33,460,376$3,202,005$873,680$13,600,989
86$36,731,241$3,216,809$760,855$14,738,833
87$40,331,258$3,227,864$639,774$15,989,163
88$44,293,860$3,234,843$510,020$17,363,520
89$48,655,885$3,237,401$371,157$18,874,629
90$53,457,924$3,235,173$222,730$20,536,527
91$58,744,705$3,227,768$64,263$22,364,692
92$64,565,510$3,214,774$0$24,376,194
93$70,974,645$3,195,752$0$26,612,229
94$78,031,952$3,170,236$0$29,087,270
95$85,803,367$3,137,734$0$31,810,592
96$94,361,549$3,097,722$0$34,807,551
97$103,786,563$3,049,646$0$38,106,103
98$114,166,632$2,992,919$0$41,737,061
99$125,598,975$2,926,917$0$45,734,396
100$138,190,717$2,850,984$0$50,135,550