Can I retire at age 52 with 2,010,000?

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 $2,010,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.1%
1 years$165,984$164,505$163,063$161,655$160,280$155,025
2 years$82,170$80,640$79,157$77,719$76,324$71,080
3 years$54,236$52,699$51,220$49,795$48,423$43,355
4 years$40,272$38,739$37,275$35,875$34,536$29,681
5 years$31,895$30,372$28,927$27,555$26,253$21,626
6 years$26,313$24,801$23,377$22,036$20,773$16,377
7 years$22,327$20,828$19,427$18,117$16,894$12,729
8 years$19,339$17,853$16,475$15,198$14,016$10,077
9 years$17,016$15,545$14,190$12,945$11,803$8,088
10 years$15,159$13,702$12,371$11,159$10,057$6,558
11 years$13,640$12,198$10,891$9,712$8,649$5,361
12 years$12,376$10,948$9,666$8,518$7,495$4,410
13 years$11,307$9,894$8,636$7,520$6,536$3,647
14 years$10,391$8,993$7,759$6,676$5,729$3,027
15 years$9,598$8,216$7,006$5,954$5,045$2,522
16 years$8,905$7,538$6,352$5,331$4,458$2,106
17 years$8,294$6,942$5,780$4,790$3,953$1,763
18 years$7,752$6,415$5,276$4,317$3,515$1,479
19 years$7,267$5,945$4,830$3,900$3,133$1,242
20 years$6,831$5,524$4,433$3,533$2,798$1,045
21 years$6,438$5,146$4,077$3,206$2,504$880
22 years$6,080$4,803$3,758$2,915$2,245$741
23 years$5,754$4,492$3,470$2,655$2,015$625
24 years$5,456$4,209$3,209$2,421$1,811$527
25 years$5,182$3,950$2,972$2,211$1,630$445
26 years$4,930$3,712$2,756$2,022$1,468$376
27 years$4,696$3,494$2,560$1,851$1,324$318
28 years$4,480$3,292$2,380$1,696$1,194$269
29 years$4,279$3,106$2,214$1,555$1,078$227
30 years$4,091$2,933$2,063$1,427$974$192
31 years$3,917$2,773$1,923$1,311$881$162
32 years$3,753$2,624$1,794$1,204$797$137
33 years$3,600$2,485$1,675$1,108$721$116
34 years$3,456$2,355$1,565$1,019$653$98
35 years$3,320$2,234$1,463$938$591$83
36 years$3,192$2,120$1,369$864$536$70
37 years$3,072$2,013$1,281$796$486$60
38 years$2,958$1,914$1,200$734$440$51
39 years$2,850$1,820$1,124$677$399$43
40 years$2,748$1,731$1,054$624$362$36
41 years$2,651$1,648$988$576$329$31
42 years$2,559$1,569$927$531$298$26
43 years$2,471$1,495$870$490$271$22
44 years$2,388$1,425$816$453$246$19
45 years$2,309$1,359$766$418$223$16
46 years$2,233$1,297$720$386$202$13
47 years$2,161$1,237$676$357$184$11
48 years$2,092$1,181$636$330$167$10
49 years$2,026$1,128$597$305$152$8
50 years$1,962$1,078$562$282$138$7

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,010,000, adding $3,184 every year, while hoping to spend $30,538 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: 31/45/24 Blend
51$2,010,000$2,010,000$2,010,000$2,010,000
52$2,218,304$2,111,774$2,080,619$2,270,554
53$2,412,079$2,182,759$2,117,828$2,381,697
54$2,624,596$2,256,199$2,155,259$2,498,312
55$2,857,733$2,332,181$2,192,889$2,623,222
56$3,113,561$2,410,797$2,230,690$2,757,173
57$3,394,361$2,492,143$2,268,635$2,900,979
58$3,702,643$2,576,315$2,306,692$3,055,540
59$4,041,175$2,663,417$2,344,828$3,221,838
60$4,413,004$2,753,554$2,383,010$3,400,959
61$4,821,489$2,846,836$2,421,198$3,594,090
62$5,270,327$2,943,377$2,459,354$3,802,539
63$5,763,593$3,043,296$2,497,436$4,027,745
64$6,305,777$3,146,714$2,535,398$4,271,286
65$6,901,824$3,253,761$2,573,191$4,534,903
66$7,557,183$3,364,568$2,610,766$4,820,504
67$8,277,857$3,479,273$2,648,068$5,130,194
68$9,070,459$3,598,019$2,685,039$5,466,285
69$9,942,277$3,720,953$2,721,619$5,831,320
70$10,901,339$3,848,230$2,757,743$6,228,100
71$11,956,492$3,980,009$2,793,344$6,659,705
72$13,117,482$4,116,457$2,828,348$7,129,526
73$14,395,047$4,257,746$2,862,680$7,641,293
74$15,801,021$4,404,055$2,896,259$8,199,113
75$17,348,442$4,555,569$2,929,000$8,807,507
76$19,051,674$4,712,483$2,960,813$9,471,453
77$20,926,547$4,874,998$2,991,602$10,196,427
78$22,990,503$5,043,320$3,021,269$10,988,464
79$25,262,759$5,217,669$3,049,707$11,854,205
80$27,764,494$5,398,267$3,076,805$12,800,962
81$30,519,041$5,585,351$3,102,447$13,836,789
82$33,552,113$5,779,163$3,126,508$14,970,554
83$36,892,042$5,979,955$3,148,860$16,212,024
84$40,570,048$6,187,991$3,169,365$17,571,955
85$44,620,534$6,403,544$3,187,880$19,062,191
86$49,081,409$6,626,898$3,204,254$20,695,781
87$53,994,445$6,858,348$3,218,329$22,487,095
88$59,405,672$7,098,201$3,229,937$24,451,962
89$65,365,814$7,346,777$3,238,903$26,607,817
90$71,930,765$7,604,406$3,245,044$28,973,865
91$79,162,116$7,871,435$3,248,166$31,571,264
92$87,127,739$8,148,223$3,248,067$34,423,318
93$95,902,425$8,435,142$3,244,533$37,555,702
94$105,568,590$8,732,581$3,237,343$40,996,698
95$116,217,053$9,040,945$3,226,261$44,777,466
96$127,947,894$9,360,654$3,211,043$48,932,332
97$140,871,398$9,692,144$3,191,431$53,499,114
98$155,109,092$10,035,871$3,167,156$58,519,478
99$170,794,899$10,392,308$3,137,935$64,039,326
100$188,076,396$10,761,948$3,103,473$70,109,235