Can I retire at age 52 with 1,830,000?

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 $1,830,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.1%
1 years$151,120$149,774$148,460$147,178$145,927$144,044
2 years$74,812$73,418$72,068$70,759$69,489$67,594
3 years$49,379$47,980$46,633$45,336$44,087$42,240
4 years$36,665$35,270$33,937$32,662$31,443$29,658
5 years$29,039$27,652$26,336$25,088$23,902$22,184
6 years$23,956$22,580$21,284$20,063$18,913$17,264
7 years$20,327$18,963$17,687$16,495$15,381$13,802
8 years$17,607$16,255$15,000$13,837$12,760$11,250
9 years$15,492$14,153$12,919$11,786$10,746$9,304
10 years$13,801$12,475$11,263$10,160$9,156$7,782
11 years$12,419$11,106$9,916$8,842$7,875$6,567
12 years$11,267$9,968$8,800$7,756$6,824$5,581
13 years$10,294$9,008$7,862$6,847$5,951$4,772
14 years$9,460$8,188$7,064$6,078$5,216$4,099
15 years$8,739$7,480$6,378$5,421$4,593$3,535
16 years$8,108$6,863$5,783$4,853$4,059$3,059
17 years$7,551$6,320$5,262$4,361$3,599$2,655
18 years$7,058$5,840$4,804$3,930$3,200$2,310
19 years$6,616$5,413$4,398$3,551$2,852$2,014
20 years$6,220$5,030$4,036$3,216$2,548$1,759
21 years$5,861$4,685$3,712$2,919$2,280$1,538
22 years$5,536$4,373$3,421$2,654$2,044$1,348
23 years$5,239$4,090$3,159$2,417$1,835$1,182
24 years$4,967$3,832$2,922$2,204$1,649$1,037
25 years$4,718$3,596$2,706$2,013$1,484$911
26 years$4,488$3,380$2,510$1,841$1,337$801
27 years$4,276$3,181$2,330$1,685$1,205$705
28 years$4,079$2,997$2,166$1,544$1,087$621
29 years$3,896$2,828$2,016$1,416$982$547
30 years$3,725$2,670$1,878$1,299$887$482
31 years$3,566$2,524$1,751$1,193$802$425
32 years$3,417$2,389$1,633$1,097$726$375
33 years$3,277$2,262$1,525$1,008$657$330
34 years$3,146$2,144$1,425$928$594$292
35 years$3,023$2,034$1,332$854$538$257
36 years$2,906$1,930$1,246$787$488$227
37 years$2,797$1,833$1,167$725$442$201
38 years$2,693$1,742$1,092$668$401$177
39 years$2,595$1,657$1,023$616$364$156
40 years$2,502$1,576$959$568$330$138
41 years$2,414$1,500$899$524$299$122
42 years$2,330$1,429$844$484$271$108
43 years$2,250$1,361$792$447$246$95
44 years$2,174$1,298$743$412$224$84
45 years$2,102$1,237$698$381$203$74
46 years$2,033$1,181$655$352$184$66
47 years$1,967$1,127$616$325$167$58
48 years$1,904$1,075$579$300$152$51
49 years$1,844$1,027$544$278$138$45
50 years$1,787$981$511$257$125$40

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,830,000, adding $5,189 every year, while hoping to spend $23,486 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: 76/5/19 Blend
51$1,830,000$1,830,000$1,830,000$1,830,000
52$2,022,012$1,925,022$1,896,657$2,166,418
53$2,203,269$1,994,360$1,935,207$2,332,050
54$2,402,226$2,066,307$1,974,260$2,510,191
55$2,620,665$2,140,968$2,013,810$2,704,890
56$2,860,548$2,218,450$2,053,847$2,917,795
57$3,124,034$2,298,865$2,094,361$3,150,718
58$3,413,505$2,382,329$2,135,342$3,405,657
59$3,731,583$2,468,963$2,176,776$3,684,813
60$4,081,156$2,558,894$2,218,650$3,990,610
61$4,465,408$2,652,254$2,260,949$4,325,715
62$4,887,845$2,749,180$2,303,656$4,693,072
63$5,352,330$2,849,814$2,346,753$5,095,918
64$5,863,119$2,954,307$2,390,221$5,537,823
65$6,424,901$3,062,812$2,434,037$6,022,717
66$7,042,843$3,175,492$2,478,179$6,554,933
67$7,722,637$3,292,515$2,522,622$7,139,241
68$8,470,555$3,414,057$2,567,339$7,780,897
69$9,293,507$3,540,301$2,612,301$8,485,695
70$10,199,107$3,671,438$2,657,475$9,260,014
71$11,195,745$3,807,668$2,702,830$10,110,884
72$12,292,665$3,949,197$2,748,328$11,046,052
73$13,500,051$4,096,242$2,793,931$12,074,052
74$14,829,126$4,249,028$2,839,598$13,204,287
75$16,292,258$4,407,792$2,885,286$14,447,118
76$17,903,072$4,572,777$2,930,946$15,813,961
77$19,676,583$4,744,240$2,976,530$17,317,395
78$21,629,334$4,922,448$3,021,984$18,971,279
79$23,779,557$5,107,679$3,067,252$20,790,886
80$26,147,340$5,300,223$3,112,273$22,793,043
81$28,754,818$5,500,384$3,156,983$24,996,293
82$31,626,383$5,708,476$3,201,316$27,421,068
83$34,788,913$5,924,830$3,245,198$30,089,882
84$38,272,025$6,149,789$3,288,555$33,027,543
85$42,108,356$6,383,713$3,331,306$36,261,388
86$46,333,868$6,626,975$3,373,365$39,821,541
87$50,988,193$6,879,967$3,414,643$43,741,195
88$56,114,999$7,143,096$3,455,043$48,056,927
89$61,762,408$7,416,787$3,494,467$52,809,043
90$67,983,450$7,701,486$3,532,807$58,041,958
91$74,836,557$7,997,654$3,569,952$63,804,615
92$82,386,124$8,305,777$3,605,784$70,150,946
93$90,703,108$8,626,360$3,640,177$77,140,382
94$99,865,703$8,959,929$3,673,000$84,838,415
95$109,960,075$9,307,036$3,704,116$93,317,212
96$121,081,177$9,668,255$3,733,379$102,656,299
97$133,333,645$10,044,187$3,760,635$112,943,314
98$146,832,784$10,435,459$3,785,723$124,274,827
99$161,705,656$10,842,725$3,808,473$136,757,258
100$178,092,283$11,266,669$3,828,707$150,507,878