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%18.8%
1 years$165,158$163,687$162,252$160,851$159,483$153,824
2 years$81,761$80,239$78,763$77,332$75,944$70,304
3 years$53,966$52,437$50,965$49,547$48,182$42,737
4 years$40,071$38,547$37,089$35,696$34,364$29,155
5 years$31,737$30,221$28,783$27,418$26,123$21,165
6 years$26,182$24,678$23,261$21,926$20,670$15,966
7 years$22,216$20,724$19,330$18,027$16,810$12,360
8 years$19,243$17,765$16,393$15,122$13,946$9,745
9 years$16,931$15,467$14,120$12,881$11,744$7,787
10 years$15,083$13,634$12,310$11,103$10,007$6,287
11 years$13,572$12,137$10,837$9,663$8,606$5,116
12 years$12,314$10,894$9,618$8,476$7,458$4,189
13 years$11,250$9,845$8,593$7,483$6,503$3,447
14 years$10,339$8,949$7,721$6,643$5,701$2,848
15 years$9,550$8,175$6,971$5,924$5,020$2,361
16 years$8,861$7,500$6,320$5,304$4,436$1,962
17 years$8,253$6,907$5,751$4,766$3,934$1,634
18 years$7,713$6,383$5,250$4,295$3,497$1,363
19 years$7,231$5,915$4,806$3,881$3,117$1,139
20 years$6,797$5,497$4,411$3,515$2,785$953
21 years$6,406$5,120$4,057$3,190$2,492$798
22 years$6,050$4,779$3,739$2,900$2,234$669
23 years$5,726$4,470$3,452$2,642$2,005$561
24 years$5,429$4,188$3,193$2,409$1,802$471
25 years$5,156$3,930$2,957$2,200$1,622$395
26 years$4,905$3,694$2,743$2,012$1,461$332
27 years$4,673$3,476$2,547$1,841$1,317$279
28 years$4,458$3,276$2,368$1,687$1,188$234
29 years$4,258$3,090$2,203$1,547$1,073$197
30 years$4,071$2,919$2,052$1,420$970$166
31 years$3,897$2,759$1,913$1,304$877$139
32 years$3,734$2,611$1,785$1,198$793$117
33 years$3,582$2,472$1,667$1,102$718$99
34 years$3,438$2,343$1,557$1,014$650$83
35 years$3,304$2,222$1,456$933$588$70
36 years$3,176$2,109$1,362$860$533$59
37 years$3,057$2,003$1,275$792$483$49
38 years$2,943$1,904$1,194$730$438$42
39 years$2,836$1,811$1,119$673$397$35
40 years$2,734$1,723$1,048$621$360$29
41 years$2,638$1,640$983$573$327$25
42 years$2,546$1,562$922$529$297$21
43 years$2,459$1,488$865$488$269$18
44 years$2,376$1,418$812$451$244$15
45 years$2,297$1,352$763$416$222$12
46 years$2,222$1,290$716$384$201$10
47 years$2,150$1,231$673$355$183$9
48 years$2,081$1,175$632$328$166$7
49 years$2,016$1,122$594$303$151$6
50 years$1,953$1,072$559$280$137$5

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 $5,378 every year, while hoping to spend $56,308 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: 38/35/27 Blend
51$2,000,000$2,000,000$2,000,000$2,000,000
52$2,209,547$2,103,547$2,072,547$2,275,561
53$2,375,010$2,146,710$2,082,066$2,367,606
54$2,555,463$2,190,100$2,090,017$2,461,444
55$2,752,375$2,233,670$2,096,288$2,561,775
56$2,967,364$2,277,367$2,100,760$2,669,226
57$3,202,210$2,321,133$2,103,311$2,784,486
58$3,458,875$2,364,908$2,103,811$2,908,317
59$3,739,516$2,408,624$2,102,125$3,041,561
60$4,046,509$2,452,209$2,098,108$3,185,146
61$4,382,470$2,495,585$2,091,612$3,340,098
62$4,750,281$2,538,667$2,082,480$3,507,549
63$5,153,113$2,581,366$2,070,547$3,688,749
64$5,594,461$2,623,583$2,055,641$3,885,075
65$6,078,173$2,665,215$2,037,581$4,098,052
66$6,608,484$2,706,148$2,016,178$4,329,360
67$7,190,063$2,746,263$1,991,233$4,580,853
68$7,828,050$2,785,430$1,962,540$4,854,579
69$8,528,106$2,823,512$1,929,880$5,152,797
70$9,296,469$2,860,359$1,893,027$5,478,003
71$10,140,006$2,895,815$1,851,741$5,832,948
72$11,066,287$2,929,710$1,805,774$6,220,669
73$12,083,646$2,961,864$1,754,866$6,644,519
74$13,201,267$2,992,084$1,698,743$7,108,196
75$14,429,265$3,020,165$1,637,120$7,615,782
76$15,778,786$3,045,888$1,569,698$8,171,780
77$17,262,106$3,069,021$1,496,167$8,781,160
78$18,892,752$3,089,314$1,416,200$9,449,404
79$20,685,626$3,106,504$1,329,457$10,182,560
80$22,657,147$3,120,310$1,235,580$10,987,301
81$24,825,402$3,130,431$1,134,199$11,870,990
82$27,210,323$3,136,552$1,024,924$12,841,746
83$29,833,866$3,138,333$907,349$13,908,527
84$32,720,225$3,135,417$781,050$15,081,216
85$35,896,057$3,127,421$645,585$16,370,712
86$39,390,733$3,113,943$500,490$17,789,036
87$43,236,614$3,094,552$345,282$19,349,449
88$47,469,358$3,068,794$179,458$21,066,575
89$52,128,253$3,036,186$2,491$22,956,544
90$57,256,593$2,996,217$0$25,037,142
91$62,902,077$2,948,343$0$27,381,677
92$69,117,268$2,891,991$0$29,962,348
93$75,960,083$2,826,552$0$32,802,465
94$83,494,339$2,751,381$0$35,928,514
95$91,790,360$2,665,797$0$39,369,692
96$100,925,631$2,569,076$0$43,158,181
97$110,985,539$2,460,454$0$47,329,455
98$122,064,171$2,339,123$0$51,922,614
99$134,265,203$2,204,227$0$56,980,760
100$147,702,881$2,054,861$0$62,551,400