Can I retire at age 52 with 1,850,000?

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 $1,850,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.8%
1 years$152,771$151,410$150,083$148,787$147,522$145,799
2 years$75,629$74,221$72,856$71,532$70,248$68,515
3 years$49,919$48,504$47,142$45,831$44,568$42,877
4 years$37,066$35,656$34,308$33,019$31,787$30,151
5 years$29,356$27,954$26,624$25,362$24,164$22,588
6 years$24,218$22,827$21,516$20,282$19,120$17,607
7 years$20,550$19,170$17,880$16,675$15,550$14,100
8 years$17,799$16,432$15,164$13,988$12,900$11,513
9 years$15,661$14,307$13,061$11,915$10,864$9,538
10 years$13,952$12,611$11,386$10,271$9,256$7,993
11 years$12,554$11,227$10,024$8,939$7,961$6,757
12 years$11,391$10,077$8,896$7,840$6,899$5,754
13 years$10,407$9,106$7,948$6,922$6,016$4,929
14 years$9,564$8,277$7,142$6,144$5,273$4,242
15 years$8,834$7,562$6,448$5,480$4,643$3,666
16 years$8,196$6,938$5,846$4,907$4,104$3,179
17 years$7,634$6,389$5,320$4,408$3,638$2,765
18 years$7,135$5,904$4,856$3,973$3,235$2,411
19 years$6,689$5,472$4,446$3,590$2,884$2,106
20 years$6,288$5,085$4,080$3,251$2,576$1,844
21 years$5,925$4,736$3,753$2,951$2,305$1,616
22 years$5,596$4,421$3,459$2,683$2,066$1,419
23 years$5,296$4,135$3,194$2,443$1,855$1,247
24 years$5,022$3,874$2,953$2,229$1,667$1,097
25 years$4,770$3,636$2,736$2,035$1,500$966
26 years$4,537$3,417$2,537$1,861$1,351$852
27 years$4,322$3,216$2,356$1,703$1,218$751
28 years$4,123$3,030$2,190$1,561$1,099$663
29 years$3,938$2,859$2,038$1,431$993$585
30 years$3,766$2,700$1,898$1,313$897$517
31 years$3,605$2,552$1,770$1,206$811$457
32 years$3,454$2,415$1,651$1,109$733$404
33 years$3,313$2,287$1,542$1,019$664$357
34 years$3,180$2,167$1,441$938$601$316
35 years$3,056$2,056$1,347$863$544$280
36 years$2,938$1,951$1,260$795$493$247
37 years$2,827$1,853$1,179$733$447$219
38 years$2,722$1,761$1,104$675$405$194
39 years$2,623$1,675$1,035$623$367$172
40 years$2,529$1,593$970$574$333$152
41 years$2,440$1,517$909$530$302$135
42 years$2,355$1,444$853$489$274$119
43 years$2,275$1,376$800$451$249$106
44 years$2,198$1,312$751$417$226$94
45 years$2,125$1,251$705$385$205$83
46 years$2,055$1,193$663$356$186$74
47 years$1,989$1,139$622$329$169$65
48 years$1,925$1,087$585$304$154$58
49 years$1,864$1,038$550$281$140$51
50 years$1,806$992$517$259$127$45

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,850,000, adding $5,319 every year, while hoping to spend $21,099 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: 60/31/9 Blend
51$1,850,000$1,850,000$1,850,000$1,850,000
52$2,044,187$1,946,137$1,917,462$2,162,397
53$2,230,244$2,019,048$1,959,247$2,315,234
54$2,434,573$2,094,825$2,001,726$2,478,985
55$2,659,014$2,173,586$2,044,898$2,657,071
56$2,905,595$2,255,453$2,088,764$2,850,873
57$3,176,551$2,340,556$2,133,323$3,061,910
58$3,474,345$2,429,029$2,178,575$3,291,854
59$3,801,687$2,521,011$2,224,516$3,542,544
60$4,161,567$2,616,648$2,271,145$3,816,001
61$4,557,276$2,716,093$2,318,458$4,114,453
62$4,992,441$2,819,504$2,366,449$4,440,348
63$5,471,058$2,927,048$2,415,113$4,796,383
64$5,997,530$3,038,896$2,464,443$5,185,523
65$6,576,707$3,155,231$2,514,431$5,611,034
66$7,213,934$3,276,241$2,565,067$6,076,511
67$7,915,100$3,402,121$2,616,341$6,585,910
68$8,686,693$3,533,078$2,668,242$7,143,588
69$9,535,863$3,669,326$2,720,755$7,754,339
70$10,470,486$3,811,089$2,773,866$8,423,445
71$11,499,243$3,958,599$2,827,558$9,156,717
72$12,631,698$4,112,102$2,881,813$9,960,558
73$13,878,388$4,271,852$2,936,610$10,842,017
74$15,250,925$4,438,115$2,991,929$11,808,856
75$16,762,105$4,611,168$3,047,744$12,869,622
76$18,426,026$4,791,302$3,104,030$14,033,731
77$20,258,224$4,978,819$3,160,758$15,311,551
78$22,275,818$5,174,037$3,217,899$16,714,499
79$24,497,671$5,377,284$3,275,418$18,255,155
80$26,944,569$5,588,906$3,333,280$19,947,369
81$29,639,417$5,809,264$3,391,447$21,806,401
82$32,607,454$6,038,735$3,449,877$23,849,057
83$35,876,493$6,277,711$3,508,526$26,093,851
84$39,477,181$6,526,605$3,567,347$28,561,177
85$43,443,289$6,785,844$3,626,289$31,273,500
86$47,812,032$7,055,878$3,685,297$34,255,565
87$52,624,420$7,337,177$3,744,315$37,534,637
88$57,925,641$7,630,229$3,803,280$41,140,748
89$63,765,493$7,935,546$3,862,126$45,106,984
90$70,198,850$8,253,665$3,920,785$49,469,796
91$77,286,182$8,585,144$3,979,180$54,269,342
92$85,094,123$8,930,567$4,037,233$59,549,864
93$93,696,104$9,290,545$4,094,861$65,360,104
94$103,173,043$9,665,718$4,151,975$71,753,764
95$113,614,107$10,056,752$4,208,480$78,790,012
96$125,117,558$10,464,345$4,264,276$86,534,036
97$137,791,678$10,889,226$4,319,258$95,057,658
98$151,755,790$11,332,159$4,373,314$104,440,014
99$167,141,386$11,793,941$4,426,326$114,768,295
100$184,093,368$12,275,404$4,478,168$126,138,568