Can I retire at age 52 with 1,860,000?

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 $1,860,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.9%
1 years$153,597$152,229$150,894$149,591$148,319$143,000
2 years$76,038$74,622$73,250$71,919$70,628$65,326
3 years$50,189$48,766$47,397$46,079$44,809$39,692
4 years$37,266$35,848$34,493$33,197$31,958$27,065
5 years$29,515$28,106$26,768$25,499$24,294$19,637
6 years$24,349$22,950$21,633$20,392$19,223$14,805
7 years$20,661$19,274$17,977$16,765$15,634$11,455
8 years$17,896$16,521$15,246$14,064$12,970$9,026
9 years$15,746$14,385$13,131$11,979$10,922$7,208
10 years$14,027$12,679$11,448$10,326$9,306$5,816
11 years$12,622$11,288$10,079$8,987$8,004$4,730
12 years$11,452$10,131$8,945$7,883$6,936$3,870
13 years$10,463$9,156$7,991$6,959$6,048$3,183
14 years$9,615$8,322$7,180$6,178$5,302$2,628
15 years$8,882$7,602$6,483$5,509$4,668$2,176
16 years$8,241$6,975$5,878$4,933$4,126$1,807
17 years$7,675$6,424$5,348$4,432$3,658$1,504
18 years$7,173$5,936$4,882$3,994$3,253$1,254
19 years$6,725$5,501$4,470$3,609$2,899$1,047
20 years$6,322$5,112$4,102$3,269$2,590$875
21 years$5,957$4,762$3,773$2,967$2,317$732
22 years$5,626$4,445$3,477$2,697$2,077$613
23 years$5,325$4,157$3,211$2,457$1,865$514
24 years$5,049$3,895$2,969$2,241$1,676$431
25 years$4,795$3,655$2,750$2,046$1,508$361
26 years$4,562$3,435$2,551$1,871$1,358$303
27 years$4,346$3,233$2,369$1,713$1,225$255
28 years$4,146$3,047$2,202$1,569$1,105$214
29 years$3,959$2,874$2,049$1,439$998$180
30 years$3,786$2,714$1,909$1,321$902$151
31 years$3,624$2,566$1,779$1,213$815$127
32 years$3,473$2,428$1,660$1,115$737$107
33 years$3,331$2,299$1,550$1,025$667$90
34 years$3,198$2,179$1,448$943$604$75
35 years$3,072$2,067$1,354$868$547$63
36 years$2,954$1,962$1,267$800$496$53
37 years$2,843$1,863$1,186$737$449$45
38 years$2,737$1,771$1,110$679$407$38
39 years$2,637$1,684$1,040$626$369$32
40 years$2,543$1,602$975$577$335$27
41 years$2,453$1,525$914$533$304$22
42 years$2,368$1,452$858$492$276$19
43 years$2,287$1,384$805$454$250$16
44 years$2,210$1,319$755$419$227$13
45 years$2,136$1,258$709$387$206$11
46 years$2,066$1,200$666$358$187$9
47 years$2,000$1,145$626$330$170$8
48 years$1,936$1,093$588$305$154$7
49 years$1,874$1,044$553$282$140$6
50 years$1,816$997$520$261$127$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,860,000, adding $5,732 every year, while hoping to spend $28,579 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: 75/16/9 Blend
51$1,860,000$1,860,000$1,860,000$1,860,000
52$2,055,633$1,957,053$1,928,223$2,206,289
53$2,234,899$2,022,540$1,962,410$2,371,797
54$2,431,493$2,090,279$1,996,785$2,548,933
55$2,647,152$2,160,349$2,031,324$2,742,234
56$2,883,789$2,232,833$2,066,000$2,953,294
57$3,143,511$2,307,818$2,100,787$3,183,868
58$3,428,641$2,385,393$2,135,655$3,435,886
59$3,741,735$2,465,650$2,170,573$3,711,474
60$4,085,611$2,548,686$2,205,506$4,012,975
61$4,463,373$2,634,601$2,240,420$4,342,966
62$4,878,438$2,723,498$2,275,276$4,704,288
63$5,334,574$2,815,485$2,310,033$5,100,067
64$5,835,930$2,910,673$2,344,648$5,533,747
65$6,387,077$3,009,178$2,379,076$6,009,123
66$6,993,051$3,111,120$2,413,267$6,530,373
67$7,659,401$3,216,623$2,447,170$7,102,097
68$8,392,240$3,325,818$2,480,730$7,729,367
69$9,198,304$3,438,838$2,513,890$8,417,765
70$10,085,012$3,555,822$2,546,587$9,173,443
71$11,060,542$3,676,917$2,578,756$10,003,177
72$12,133,902$3,802,270$2,610,329$10,914,431
73$13,315,018$3,932,040$2,641,233$11,915,430
74$14,614,827$4,066,387$2,671,392$13,015,231
75$16,045,380$4,205,479$2,700,723$14,223,817
76$17,619,953$4,349,493$2,729,142$15,552,182
77$19,353,178$4,498,608$2,756,559$17,012,441
78$21,261,177$4,653,014$2,782,877$18,617,941
79$23,361,710$4,812,905$2,807,997$20,383,387
80$25,674,354$4,978,486$2,831,814$22,324,980
81$28,220,673$5,149,968$2,854,215$24,460,572
82$31,024,435$5,327,569$2,875,085$26,809,830
83$34,111,826$5,511,519$2,894,299$29,394,426
84$37,511,702$5,702,053$2,911,728$32,238,236
85$41,255,861$5,899,418$2,927,235$35,367,570
86$45,379,339$6,103,870$2,940,678$38,811,416
87$49,920,746$6,315,675$2,951,906$42,601,716
88$54,922,628$6,535,109$2,960,760$46,773,665
89$60,431,866$6,762,459$2,967,075$51,366,043
90$66,500,120$6,998,023$2,970,676$56,421,583
91$73,184,319$7,242,113$2,971,380$61,987,371
92$80,547,193$7,495,050$2,968,996$68,115,289
93$88,657,870$7,757,171$2,963,320$74,862,511
94$97,592,524$8,028,824$2,954,143$82,292,032
95$107,435,097$8,310,371$2,941,242$90,473,272
96$118,278,088$8,602,191$2,924,385$99,482,723
97$130,223,430$8,904,675$2,903,328$109,404,676
98$143,383,448$9,218,232$2,877,818$120,332,012
99$157,881,919$9,543,285$2,847,585$132,367,082
100$173,855,246$9,880,277$2,812,350$145,622,669