Can I retire at age 52 with 1,930,000?

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 $1,930,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.5%
1 years$159,378$157,958$156,573$155,221$153,901$149,816
2 years$78,900$77,430$76,006$74,625$73,286$69,199
3 years$52,077$50,602$49,181$47,813$46,496$42,534
4 years$38,669$37,198$35,791$34,447$33,161$29,356
5 years$30,626$29,163$27,775$26,458$25,209$21,570
6 years$25,265$23,814$22,447$21,159$19,947$16,479
7 years$21,438$19,999$18,653$17,396$16,222$12,925
8 years$18,569$17,143$15,819$14,593$13,458$10,329
9 years$16,339$14,926$13,625$12,430$11,333$8,371
10 years$14,555$13,156$11,879$10,715$9,657$6,856
11 years$13,097$11,712$10,458$9,325$8,305$5,663
12 years$11,883$10,512$9,281$8,179$7,197$4,708
13 years$10,857$9,500$8,292$7,221$6,276$3,935
14 years$9,977$8,635$7,451$6,410$5,501$3,303
15 years$9,216$7,889$6,727$5,717$4,844$2,783
16 years$8,551$7,238$6,099$5,119$4,281$2,351
17 years$7,964$6,666$5,550$4,599$3,796$1,991
18 years$7,443$6,159$5,066$4,145$3,375$1,690
19 years$6,978$5,708$4,638$3,745$3,008$1,437
20 years$6,559$5,305$4,256$3,392$2,687$1,223
21 years$6,181$4,941$3,915$3,078$2,405$1,043
22 years$5,838$4,612$3,608$2,799$2,155$890
23 years$5,525$4,314$3,332$2,549$1,935$760
24 years$5,239$4,042$3,081$2,325$1,739$649
25 years$4,976$3,793$2,854$2,123$1,565$555
26 years$4,733$3,565$2,647$1,941$1,410$475
27 years$4,509$3,355$2,458$1,777$1,271$407
28 years$4,302$3,161$2,285$1,628$1,147$348
29 years$4,108$2,982$2,126$1,493$1,035$298
30 years$3,929$2,816$1,980$1,370$936$256
31 years$3,761$2,662$1,846$1,258$846$219
32 years$3,604$2,519$1,723$1,157$765$188
33 years$3,456$2,386$1,608$1,064$692$161
34 years$3,318$2,261$1,503$979$627$138
35 years$3,188$2,145$1,405$901$568$118
36 years$3,065$2,036$1,314$830$515$102
37 years$2,950$1,933$1,230$764$466$87
38 years$2,840$1,837$1,152$705$423$75
39 years$2,737$1,747$1,079$650$383$64
40 years$2,639$1,662$1,012$599$348$55
41 years$2,546$1,582$949$553$315$47
42 years$2,457$1,507$890$510$286$41
43 years$2,373$1,436$835$471$260$35
44 years$2,293$1,369$784$435$236$30
45 years$2,217$1,305$736$402$214$26
46 years$2,144$1,245$691$371$194$22
47 years$2,075$1,188$649$343$176$19
48 years$2,008$1,134$610$317$160$16
49 years$1,945$1,083$574$293$146$14
50 years$1,884$1,035$539$271$132$12

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,930,000, adding $3,938 every year, while hoping to spend $22,151 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: 53/39/8 Blend
51$1,930,000$1,930,000$1,930,000$1,930,000
52$2,130,922$2,028,632$1,998,717$2,239,466
53$2,324,708$2,104,467$2,042,106$2,389,356
54$2,537,517$2,183,274$2,086,205$2,549,593
55$2,771,267$2,265,178$2,131,016$2,723,388
56$3,028,070$2,350,305$2,176,539$2,912,026
57$3,310,251$2,438,789$2,222,771$3,116,921
58$3,620,375$2,530,768$2,269,712$3,339,626
59$3,961,264$2,626,387$2,317,359$3,581,850
60$4,336,030$2,725,796$2,365,707$3,845,470
61$4,748,100$2,829,155$2,414,753$4,132,554
62$5,201,249$2,936,627$2,464,490$4,445,372
63$5,699,638$3,048,383$2,514,913$4,786,425
64$6,247,851$3,164,603$2,566,011$5,158,463
65$6,850,936$3,285,473$2,617,778$5,564,509
66$7,514,460$3,411,190$2,670,201$6,007,895
67$8,244,551$3,541,955$2,723,270$6,492,281
68$9,047,966$3,677,981$2,776,970$7,021,700
69$9,932,147$3,819,491$2,831,287$7,600,589
70$10,905,296$3,966,715$2,886,204$8,233,830
71$11,976,447$4,119,895$2,941,703$8,926,798
72$13,155,558$4,279,284$2,997,764$9,685,411
73$14,453,601$4,445,144$3,054,365$10,516,182
74$15,882,663$4,617,752$3,111,481$11,426,283
75$17,456,066$4,797,393$3,169,087$12,423,608
76$19,188,487$4,984,367$3,227,154$13,516,852
77$21,096,100$5,178,988$3,285,651$14,715,585
78$23,196,727$5,381,583$3,344,544$16,030,348
79$25,510,005$5,592,493$3,403,799$17,472,749
80$28,057,575$5,812,075$3,463,376$19,055,567
81$30,863,283$6,040,701$3,523,233$20,792,881
82$33,953,403$6,278,761$3,583,327$22,700,192
83$37,356,890$6,526,660$3,643,609$24,794,573
84$41,105,651$6,784,824$3,704,027$27,094,830
85$45,234,843$7,053,697$3,764,528$29,621,674
86$49,783,210$7,333,741$3,825,053$32,397,919
87$54,793,445$7,625,442$3,885,540$35,448,692
88$60,312,592$7,929,304$3,945,921$38,801,672
89$66,392,495$8,245,858$4,006,128$42,487,350
90$73,090,280$8,575,656$4,066,084$46,539,311
91$80,468,900$8,919,275$4,125,709$50,994,553
92$88,597,727$9,277,318$4,184,919$55,893,833
93$97,553,206$9,650,417$4,243,625$61,282,051
94$107,419,576$10,039,232$4,301,730$67,208,670
95$118,289,669$10,444,450$4,359,134$73,728,183
96$130,265,780$10,866,793$4,415,729$80,900,621
97$143,460,637$11,307,013$4,471,404$88,792,125
98$157,998,463$11,765,898$4,526,038$97,475,560
99$174,016,151$12,244,271$4,579,504$107,031,205
100$191,664,550$12,742,993$4,631,669$117,547,509