Can I retire at age 52 with 1,960,000?

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 $1,960,000?

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$161,855$160,413$159,007$157,634$156,293$150,330
2 years$80,126$78,634$77,188$75,785$74,425$68,487
3 years$52,887$51,388$49,946$48,556$47,218$41,493
4 years$39,270$37,776$36,348$34,982$33,677$28,207
5 years$31,102$29,617$28,207$26,870$25,600$20,401
6 years$25,658$24,184$22,796$21,488$20,257$15,331
7 years$21,771$20,310$18,943$17,666$16,474$11,820
8 years$18,858$17,409$16,065$14,820$13,667$9,281
9 years$16,593$15,158$13,837$12,623$11,510$7,385
10 years$14,782$13,361$12,064$10,881$9,807$5,936
11 years$13,301$11,894$10,621$9,470$8,434$4,808
12 years$12,068$10,676$9,425$8,307$7,309$3,919
13 years$11,025$9,648$8,421$7,333$6,373$3,209
14 years$10,132$8,770$7,566$6,510$5,587$2,639
15 years$9,359$8,011$6,831$5,806$4,919$2,176
16 years$8,684$7,350$6,194$5,198$4,348$1,799
17 years$8,088$6,769$5,636$4,671$3,855$1,491
18 years$7,559$6,255$5,145$4,209$3,428$1,237
19 years$7,086$5,797$4,710$3,803$3,055$1,028
20 years$6,661$5,387$4,323$3,445$2,729$855
21 years$6,278$5,018$3,976$3,126$2,442$712
22 years$5,929$4,684$3,664$2,842$2,189$594
23 years$5,611$4,381$3,383$2,589$1,965$495
24 years$5,320$4,104$3,129$2,361$1,766$413
25 years$5,053$3,852$2,898$2,156$1,589$345
26 years$4,807$3,620$2,688$1,972$1,431$288
27 years$4,579$3,407$2,496$1,805$1,291$241
28 years$4,368$3,210$2,320$1,653$1,165$201
29 years$4,172$3,029$2,159$1,516$1,052$168
30 years$3,990$2,860$2,011$1,392$950$141
31 years$3,819$2,704$1,875$1,278$859$118
32 years$3,660$2,558$1,749$1,174$777$98
33 years$3,510$2,423$1,633$1,080$703$82
34 years$3,370$2,296$1,526$994$637$69
35 years$3,237$2,178$1,427$915$577$58
36 years$3,113$2,067$1,335$843$522$48
37 years$2,995$1,963$1,249$776$474$40
38 years$2,884$1,866$1,170$715$429$34
39 years$2,779$1,774$1,096$660$389$28
40 years$2,680$1,688$1,027$608$353$24
41 years$2,585$1,607$963$561$320$20
42 years$2,495$1,530$904$518$291$17
43 years$2,410$1,458$848$478$264$14
44 years$2,329$1,390$796$442$239$12
45 years$2,251$1,325$747$408$217$10
46 years$2,178$1,264$702$377$197$8
47 years$2,107$1,207$660$348$179$7
48 years$2,040$1,152$620$322$163$6
49 years$1,975$1,100$583$297$148$5
50 years$1,914$1,051$548$275$134$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,960,000, adding $2,735 every year, while hoping to spend $30,564 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: 55/26/19 Blend
51$1,960,000$1,960,000$1,960,000$1,960,000
52$2,162,741$2,058,861$2,028,481$2,270,482
53$2,350,821$2,127,225$2,063,915$2,412,738
54$2,557,060$2,197,915$2,099,512$2,564,087
55$2,783,280$2,271,012$2,135,245$2,728,231
56$3,031,483$2,346,601$2,171,085$2,906,403
57$3,303,880$2,424,769$2,207,001$3,099,960
58$3,602,901$2,505,608$2,242,961$3,310,393
59$3,931,226$2,589,212$2,278,929$3,539,345
60$4,291,806$2,675,679$2,314,869$3,788,626
61$4,687,892$2,765,110$2,350,739$4,060,225
62$5,123,067$2,857,609$2,386,499$4,356,333
63$5,601,275$2,953,288$2,422,102$4,679,363
64$6,126,864$3,052,257$2,457,501$5,031,972
65$6,704,621$3,154,636$2,492,644$5,417,083
66$7,339,824$3,260,544$2,527,479$5,837,917
67$8,038,285$3,370,109$2,561,948$6,298,020
68$8,806,407$3,483,462$2,595,991$6,801,298
69$9,651,246$3,600,737$2,629,542$7,352,052
70$10,580,576$3,722,076$2,662,535$7,955,019
71$11,602,963$3,847,626$2,694,898$8,615,415
72$12,727,843$3,977,537$2,726,554$9,338,988
73$13,965,614$4,111,967$2,757,425$10,132,066
74$15,327,732$4,251,080$2,787,425$11,001,622
75$16,826,822$4,395,044$2,816,465$11,955,335
76$18,476,793$4,544,036$2,844,451$13,001,666
77$20,292,970$4,698,238$2,871,285$14,149,935
78$22,292,241$4,857,840$2,896,860$15,410,407
79$24,493,213$5,023,037$2,921,069$16,794,393
80$26,916,390$5,194,035$2,943,794$18,314,353
81$29,584,364$5,371,046$2,964,914$19,984,016
82$32,522,031$5,554,288$2,984,300$21,818,503
83$35,756,822$5,743,992$3,001,817$23,834,479
84$39,318,963$5,940,393$3,017,324$26,050,300
85$43,241,764$6,143,739$3,030,671$28,486,193
86$47,561,927$6,354,286$3,041,702$31,164,442
87$52,319,897$6,572,298$3,050,251$34,109,601
88$57,560,238$6,798,053$3,056,147$37,348,723
89$63,332,061$7,031,837$3,059,207$40,911,616
90$69,689,482$7,273,947$3,059,240$44,831,124
91$76,692,132$7,524,694$3,056,048$49,143,435
92$84,405,724$7,784,398$3,049,420$53,888,424
93$92,902,669$8,053,394$3,039,137$59,110,027
94$102,262,760$8,332,030$3,024,967$64,856,657
95$112,573,927$8,620,665$3,006,668$71,181,659
96$123,933,065$8,919,674$2,983,989$78,143,814
97$136,446,947$9,229,448$2,956,662$85,807,892
98$150,233,236$9,550,391$2,924,411$94,245,264
99$165,421,590$9,882,925$2,886,943$103,534,575
100$182,154,891$10,227,486$2,843,953$113,762,483