Can I retire at age 52 with 2,000,000?

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 $2,000,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.5%
1 years$165,158$163,687$162,252$160,851$159,483$154,625
2 years$81,761$80,239$78,763$77,332$75,944$71,092
3 years$53,966$52,437$50,965$49,547$48,182$43,488
4 years$40,071$38,547$37,089$35,696$34,364$29,863
5 years$31,737$30,221$28,783$27,418$26,123$21,827
6 years$26,182$24,678$23,261$21,926$20,670$16,584
7 years$22,216$20,724$19,330$18,027$16,810$12,934
8 years$19,243$17,765$16,393$15,122$13,946$10,276
9 years$16,931$15,467$14,120$12,881$11,744$8,277
10 years$15,083$13,634$12,310$11,103$10,007$6,737
11 years$13,572$12,137$10,837$9,663$8,606$5,529
12 years$12,314$10,894$9,618$8,476$7,458$4,567
13 years$11,250$9,845$8,593$7,483$6,503$3,791
14 years$10,339$8,949$7,721$6,643$5,701$3,161
15 years$9,550$8,175$6,971$5,924$5,020$2,644
16 years$8,861$7,500$6,320$5,304$4,436$2,218
17 years$8,253$6,907$5,751$4,766$3,934$1,865
18 years$7,713$6,383$5,250$4,295$3,497$1,571
19 years$7,231$5,915$4,806$3,881$3,117$1,325
20 years$6,797$5,497$4,411$3,515$2,785$1,120
21 years$6,406$5,120$4,057$3,190$2,492$947
22 years$6,050$4,779$3,739$2,900$2,234$802
23 years$5,726$4,470$3,452$2,642$2,005$680
24 years$5,429$4,188$3,193$2,409$1,802$576
25 years$5,156$3,930$2,957$2,200$1,622$489
26 years$4,905$3,694$2,743$2,012$1,461$415
27 years$4,673$3,476$2,547$1,841$1,317$352
28 years$4,458$3,276$2,368$1,687$1,188$299
29 years$4,258$3,090$2,203$1,547$1,073$254
30 years$4,071$2,919$2,052$1,420$970$216
31 years$3,897$2,759$1,913$1,304$877$184
32 years$3,734$2,611$1,785$1,198$793$156
33 years$3,582$2,472$1,667$1,102$718$133
34 years$3,438$2,343$1,557$1,014$650$113
35 years$3,304$2,222$1,456$933$588$96
36 years$3,176$2,109$1,362$860$533$82
37 years$3,057$2,003$1,275$792$483$70
38 years$2,943$1,904$1,194$730$438$59
39 years$2,836$1,811$1,119$673$397$50
40 years$2,734$1,723$1,048$621$360$43
41 years$2,638$1,640$983$573$327$36
42 years$2,546$1,562$922$529$297$31
43 years$2,459$1,488$865$488$269$26
44 years$2,376$1,418$812$451$244$22
45 years$2,297$1,352$763$416$222$19
46 years$2,222$1,290$716$384$201$16
47 years$2,150$1,231$673$355$183$14
48 years$2,081$1,175$632$328$166$12
49 years$2,016$1,122$594$303$151$10
50 years$1,953$1,072$559$280$137$9

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,000,000, adding $6,829 every year, while hoping to spend $58,900 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: 32/49/19 Blend
51$2,000,000$2,000,000$2,000,000$2,000,000
52$2,211,044$2,105,044$2,074,044$2,268,542
53$2,373,901$2,145,522$2,080,855$2,352,509
54$2,551,396$2,186,009$2,085,921$2,437,030
55$2,744,959$2,226,444$2,089,120$2,526,829
56$2,956,165$2,266,760$2,090,325$2,622,400
57$3,186,747$2,306,885$2,089,405$2,724,293
58$3,438,614$2,346,741$2,086,219$2,833,113
59$3,713,867$2,386,245$2,080,620$2,949,530
60$4,014,817$2,425,307$2,072,457$3,074,282
61$4,344,011$2,463,830$2,061,567$3,208,186
62$4,704,253$2,501,710$2,047,783$3,352,145
63$5,098,630$2,538,838$2,030,927$3,507,157
64$5,530,542$2,575,092$2,010,814$3,674,322
65$6,003,732$2,610,346$1,987,251$3,854,856
66$6,522,323$2,644,464$1,960,035$4,050,105
67$7,090,856$2,677,299$1,928,952$4,261,553
68$7,714,333$2,708,695$1,893,781$4,490,839
69$8,398,260$2,738,487$1,854,288$4,739,776
70$9,148,705$2,766,496$1,810,229$5,010,362
71$9,972,352$2,792,532$1,761,350$5,304,809
72$10,876,560$2,816,395$1,707,384$5,625,555
73$11,869,439$2,837,868$1,648,051$5,975,294
74$12,959,921$2,856,722$1,583,060$6,357,002
75$14,157,845$2,872,715$1,512,106$6,773,964
76$15,474,053$2,885,585$1,434,868$7,229,807
77$16,920,485$2,895,057$1,351,015$7,728,533
78$18,510,297$2,900,838$1,260,197$8,274,564
79$20,257,984$2,902,616$1,162,050$8,872,780
80$22,179,514$2,900,059$1,056,194$9,528,566
81$24,292,479$2,892,816$942,231$10,247,868
82$26,616,262$2,880,514$819,746$11,037,249
83$29,172,218$2,862,757$688,305$11,903,949
84$31,983,876$2,839,124$547,455$12,855,962
85$35,077,160$2,809,170$396,724$13,902,108
86$38,480,634$2,772,423$235,617$15,052,121
87$42,225,768$2,728,381$63,620$16,316,739
88$46,347,240$2,676,515$0$17,707,814
89$50,883,257$2,616,263$0$19,262,733
90$55,875,918$2,547,029$0$20,986,954
91$61,371,611$2,468,183$0$22,883,599
92$67,421,451$2,379,059$0$24,970,348
93$74,081,756$2,278,951$0$27,266,699
94$81,414,588$2,167,112$0$29,794,153
95$89,488,328$2,042,752$0$32,576,415
96$98,378,327$1,905,036$0$35,639,629
97$108,167,615$1,753,082$0$39,012,618
98$118,947,683$1,585,955$0$42,727,166
99$130,819,348$1,402,668$0$46,818,316
100$143,893,702$1,202,178$0$51,324,706