Can I retire at age 52 with 1,820,000?

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 $1,820,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.5%
1 years$150,294$148,955$147,649$146,374$145,129$139,592
2 years$74,403$73,017$71,674$70,372$69,109$63,595
3 years$49,109$47,718$46,378$45,088$43,846$38,529
4 years$36,465$35,077$33,751$32,483$31,271$26,192
5 years$28,880$27,501$26,192$24,950$23,772$18,944
6 years$23,825$22,457$21,167$19,953$18,810$14,236
7 years$20,216$18,859$17,590$16,405$15,297$10,976
8 years$17,511$16,166$14,918$13,761$12,691$8,618
9 years$15,407$14,075$12,849$11,722$10,687$6,857
10 years$13,726$12,407$11,202$10,104$9,106$5,512
11 years$12,351$11,045$9,862$8,794$7,832$4,465
12 years$11,206$9,913$8,752$7,713$6,787$3,639
13 years$10,238$8,959$7,820$6,810$5,918$2,980
14 years$9,409$8,143$7,026$6,045$5,188$2,450
15 years$8,691$7,439$6,343$5,391$4,568$2,021
16 years$8,063$6,825$5,751$4,827$4,037$1,671
17 years$7,510$6,286$5,233$4,337$3,579$1,384
18 years$7,019$5,808$4,777$3,908$3,183$1,149
19 years$6,580$5,383$4,373$3,532$2,837$955
20 years$6,186$5,002$4,014$3,199$2,534$794
21 years$5,829$4,659$3,692$2,903$2,268$662
22 years$5,505$4,349$3,403$2,639$2,033$551
23 years$5,210$4,068$3,142$2,404$1,825$460
24 years$4,940$3,811$2,906$2,192$1,640$384
25 years$4,692$3,577$2,691$2,002$1,476$320
26 years$4,464$3,362$2,496$1,831$1,329$268
27 years$4,252$3,164$2,318$1,676$1,198$224
28 years$4,056$2,981$2,155$1,535$1,081$187
29 years$3,874$2,812$2,005$1,408$976$156
30 years$3,705$2,656$1,868$1,292$882$131
31 years$3,546$2,511$1,741$1,187$798$109
32 years$3,398$2,376$1,624$1,091$722$91
33 years$3,259$2,250$1,517$1,003$653$76
34 years$3,129$2,132$1,417$923$591$64
35 years$3,006$2,022$1,325$849$535$53
36 years$2,891$1,920$1,239$782$485$45
37 years$2,781$1,823$1,160$721$440$37
38 years$2,678$1,733$1,086$664$399$31
39 years$2,581$1,648$1,018$613$362$26
40 years$2,488$1,568$954$565$328$22
41 years$2,400$1,492$895$521$297$18
42 years$2,317$1,421$839$481$270$15
43 years$2,238$1,354$787$444$245$13
44 years$2,162$1,291$739$410$222$11
45 years$2,091$1,231$694$379$202$9
46 years$2,022$1,174$652$350$183$8
47 years$1,957$1,120$612$323$166$6
48 years$1,894$1,070$575$299$151$5
49 years$1,834$1,021$541$276$137$4
50 years$1,777$976$509$255$125$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,820,000, adding $6,334 every year, while hoping to spend $31,757 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: 64/22/14 Blend
51$1,820,000$1,820,000$1,820,000$1,820,000
52$2,012,174$1,915,714$1,887,504$2,133,829
53$2,183,626$1,975,794$1,916,946$2,276,133
54$2,371,502$2,037,755$1,946,310$2,427,272
55$2,577,444$2,101,653$1,975,560$2,591,586
56$2,803,259$2,167,550$2,004,657$2,770,358
57$3,050,940$2,235,508$2,033,561$2,965,002
58$3,322,679$2,305,591$2,062,228$3,177,073
59$3,620,892$2,377,865$2,090,613$3,408,284
60$3,948,241$2,452,399$2,118,667$3,660,520
61$4,307,657$2,529,262$2,146,338$3,935,858
62$4,702,370$2,608,527$2,173,571$4,236,584
63$5,135,936$2,690,269$2,200,311$4,565,217
64$5,612,275$2,774,566$2,226,494$4,924,529
65$6,135,703$2,861,495$2,252,058$5,317,573
66$6,710,976$2,951,140$2,276,933$5,747,714
67$7,343,335$3,043,585$2,301,049$6,218,656
68$8,038,550$3,138,917$2,324,330$6,734,480
69$8,802,984$3,237,224$2,346,696$7,299,680
70$9,643,641$3,338,601$2,368,063$7,919,207
71$10,568,241$3,443,142$2,388,343$8,598,515
72$11,585,291$3,550,945$2,407,442$9,343,613
73$12,704,162$3,662,112$2,425,262$10,161,118
74$13,935,178$3,776,747$2,441,700$11,058,323
75$15,289,716$3,894,958$2,456,646$12,043,260
76$16,780,311$4,016,855$2,469,988$13,124,779
77$18,420,775$4,142,553$2,481,605$14,312,630
78$20,226,326$4,272,170$2,491,371$15,617,555
79$22,213,732$4,405,827$2,499,152$17,051,391
80$24,401,469$4,543,649$2,504,810$18,627,176
81$26,809,896$4,685,766$2,508,199$20,359,278
82$29,461,447$4,832,309$2,509,165$22,263,528
83$32,380,839$4,983,417$2,507,547$24,357,367
84$35,595,311$5,139,231$2,503,176$26,660,013
85$39,134,875$5,299,895$2,495,874$29,192,644
86$43,032,603$5,465,561$2,485,457$31,978,590
87$47,324,938$5,636,383$2,471,729$35,043,563
88$52,052,035$5,812,519$2,454,485$38,415,891
89$57,258,145$5,994,135$2,433,513$42,126,789
90$62,992,027$6,181,399$2,408,587$46,210,654
91$69,307,412$6,374,486$2,379,473$50,705,388
92$76,263,508$6,573,575$2,345,925$55,652,754
93$83,925,558$6,778,852$2,307,686$61,098,774
94$92,365,456$6,990,508$2,264,485$67,094,158
95$101,662,429$7,208,738$2,216,041$73,694,787
96$111,903,777$7,433,747$2,162,059$80,962,238
97$123,185,703$7,665,742$2,102,229$88,964,364
98$135,614,220$7,904,938$2,036,229$97,775,937
99$149,306,149$8,151,558$1,963,720$107,479,351
100$164,390,221$8,405,830$1,884,350$118,165,400