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%14.9%
1 years$165,158$163,687$162,252$160,851$159,483$156,263
2 years$81,761$80,239$78,763$77,332$75,944$72,714
3 years$53,966$52,437$50,965$49,547$48,182$45,043
4 years$40,071$38,547$37,089$35,696$34,364$31,340
5 years$31,737$30,221$28,783$27,418$26,123$23,222
6 years$26,182$24,678$23,261$21,926$20,670$17,896
7 years$22,216$20,724$19,330$18,027$16,810$14,164
8 years$19,243$17,765$16,393$15,122$13,946$11,426
9 years$16,931$15,467$14,120$12,881$11,744$9,349
10 years$15,083$13,634$12,310$11,103$10,007$7,734
11 years$13,572$12,137$10,837$9,663$8,606$6,453
12 years$12,314$10,894$9,618$8,476$7,458$5,421
13 years$11,250$9,845$8,593$7,483$6,503$4,580
14 years$10,339$8,949$7,721$6,643$5,701$3,887
15 years$9,550$8,175$6,971$5,924$5,020$3,311
16 years$8,861$7,500$6,320$5,304$4,436$2,830
17 years$8,253$6,907$5,751$4,766$3,934$2,424
18 years$7,713$6,383$5,250$4,295$3,497$2,082
19 years$7,231$5,915$4,806$3,881$3,117$1,791
20 years$6,797$5,497$4,411$3,515$2,785$1,544
21 years$6,406$5,120$4,057$3,190$2,492$1,332
22 years$6,050$4,779$3,739$2,900$2,234$1,151
23 years$5,726$4,470$3,452$2,642$2,005$995
24 years$5,429$4,188$3,193$2,409$1,802$861
25 years$5,156$3,930$2,957$2,200$1,622$746
26 years$4,905$3,694$2,743$2,012$1,461$647
27 years$4,673$3,476$2,547$1,841$1,317$561
28 years$4,458$3,276$2,368$1,687$1,188$486
29 years$4,258$3,090$2,203$1,547$1,073$422
30 years$4,071$2,919$2,052$1,420$970$367
31 years$3,897$2,759$1,913$1,304$877$318
32 years$3,734$2,611$1,785$1,198$793$277
33 years$3,582$2,472$1,667$1,102$718$240
34 years$3,438$2,343$1,557$1,014$650$209
35 years$3,304$2,222$1,456$933$588$182
36 years$3,176$2,109$1,362$860$533$158
37 years$3,057$2,003$1,275$792$483$137
38 years$2,943$1,904$1,194$730$438$119
39 years$2,836$1,811$1,119$673$397$104
40 years$2,734$1,723$1,048$621$360$90
41 years$2,638$1,640$983$573$327$79
42 years$2,546$1,562$922$529$297$68
43 years$2,459$1,488$865$488$269$59
44 years$2,376$1,418$812$451$244$52
45 years$2,297$1,352$763$416$222$45
46 years$2,222$1,290$716$384$201$39
47 years$2,150$1,231$673$355$183$34
48 years$2,081$1,175$632$328$166$30
49 years$2,016$1,122$594$303$151$26
50 years$1,953$1,072$559$280$137$22

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 $5,661 every year, while hoping to spend $49,609 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: 56/26/18 Blend
51$2,000,000$2,000,000$2,000,000$2,000,000
52$2,209,839$2,103,839$2,072,839$2,322,704
53$2,382,459$2,154,144$2,089,496$2,450,499
54$2,571,024$2,205,251$2,105,048$2,583,824
55$2,777,107$2,257,147$2,119,405$2,727,958
56$3,002,442$2,309,816$2,132,475$2,883,947
57$3,248,935$2,363,242$2,144,158$3,052,946
58$3,518,689$2,417,403$2,154,350$3,236,227
59$3,814,016$2,472,277$2,162,941$3,435,192
60$4,137,464$2,527,837$2,169,818$3,651,382
61$4,491,838$2,584,053$2,174,859$3,886,501
62$4,880,227$2,640,893$2,177,938$4,142,420
63$5,306,033$2,698,320$2,178,923$4,421,207
64$5,773,005$2,756,294$2,177,673$4,725,135
65$6,285,269$2,814,770$2,174,042$5,056,715
66$6,847,372$2,873,699$2,167,878$5,418,708
67$7,464,320$2,933,027$2,159,018$5,814,161
68$8,141,631$2,992,695$2,147,296$6,246,431
69$8,885,380$3,052,640$2,132,533$6,719,217
70$9,702,260$3,112,791$2,114,544$7,236,597
71$10,599,645$3,173,072$2,093,136$7,803,063
72$11,585,658$3,233,402$2,068,104$8,423,569
73$12,669,246$3,293,690$2,039,237$9,103,574
74$13,860,269$3,353,840$2,006,312$9,849,093
75$15,169,587$3,413,749$1,969,094$10,666,757
76$16,609,167$3,473,304$1,927,340$11,563,876
77$18,192,190$3,532,384$1,880,794$12,548,503
78$19,933,181$3,590,859$1,829,189$13,629,518
79$21,848,143$3,648,589$1,772,244$14,816,705
80$23,954,708$3,705,424$1,709,668$16,120,851
81$26,272,301$3,761,202$1,641,155$17,553,842
82$28,822,325$3,815,751$1,566,384$19,128,783
83$31,628,366$3,868,886$1,485,020$20,860,112
84$34,716,406$3,920,409$1,396,716$22,763,749
85$38,115,078$3,970,107$1,301,104$24,857,235
86$41,855,929$4,017,756$1,197,804$27,159,908
87$45,973,720$4,063,112$1,086,417$29,693,080
88$50,506,753$4,105,917$966,525$32,480,238
89$55,497,232$4,145,897$837,694$35,547,274
90$60,991,661$4,182,759$699,469$38,922,721
91$67,041,285$4,216,188$551,375$42,638,030
92$73,702,567$4,245,852$392,917$46,727,863
93$81,037,727$4,271,397$223,578$51,230,425
94$89,115,324$4,292,444$42,816$56,187,821
95$98,010,906$4,308,593$0$61,646,461
96$107,807,720$4,319,416$0$67,686,317
97$118,597,501$4,324,460$0$74,345,587
98$130,481,331$4,323,244$0$81,678,288
99$143,570,598$4,315,254$0$89,753,018
100$157,988,046$4,299,949$0$98,645,377