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

Use the below retirement simulation to view the chances of a successful retirement.
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%17.2%
1 years$165,984$164,505$163,063$161,655$160,280$155,586
2 years$82,170$80,640$79,157$77,719$76,324$71,633
3 years$54,236$52,699$51,220$49,795$48,423$43,882
4 years$40,272$38,739$37,275$35,875$34,536$30,179
5 years$31,895$30,372$28,927$27,555$26,253$22,094
6 years$26,313$24,801$23,377$22,036$20,773$16,814
7 years$22,327$20,828$19,427$18,117$16,894$13,135
8 years$19,339$17,853$16,475$15,198$14,016$10,454
9 years$17,016$15,545$14,190$12,945$11,803$8,436
10 years$15,159$13,702$12,371$11,159$10,057$6,880
11 years$13,640$12,198$10,891$9,712$8,649$5,657
12 years$12,376$10,948$9,666$8,518$7,495$4,681
13 years$11,307$9,894$8,636$7,520$6,536$3,894
14 years$10,391$8,993$7,759$6,676$5,729$3,253
15 years$9,598$8,216$7,006$5,954$5,045$2,727
16 years$8,905$7,538$6,352$5,331$4,458$2,293
17 years$8,294$6,942$5,780$4,790$3,953$1,932
18 years$7,752$6,415$5,276$4,317$3,515$1,631
19 years$7,267$5,945$4,830$3,900$3,133$1,379
20 years$6,831$5,524$4,433$3,533$2,798$1,168
21 years$6,438$5,146$4,077$3,206$2,504$990
22 years$6,080$4,803$3,758$2,915$2,245$840
23 years$5,754$4,492$3,470$2,655$2,015$714
24 years$5,456$4,209$3,209$2,421$1,811$607
25 years$5,182$3,950$2,972$2,211$1,630$516
26 years$4,930$3,712$2,756$2,022$1,468$439
27 years$4,696$3,494$2,560$1,851$1,324$374
28 years$4,480$3,292$2,380$1,696$1,194$318
29 years$4,279$3,106$2,214$1,555$1,078$271
30 years$4,091$2,933$2,063$1,427$974$231
31 years$3,917$2,773$1,923$1,311$881$197
32 years$3,753$2,624$1,794$1,204$797$168
33 years$3,600$2,485$1,675$1,108$721$143
34 years$3,456$2,355$1,565$1,019$653$122
35 years$3,320$2,234$1,463$938$591$104
36 years$3,192$2,120$1,369$864$536$89
37 years$3,072$2,013$1,281$796$486$76
38 years$2,958$1,914$1,200$734$440$64
39 years$2,850$1,820$1,124$677$399$55
40 years$2,748$1,731$1,054$624$362$47
41 years$2,651$1,648$988$576$329$40
42 years$2,559$1,569$927$531$298$34
43 years$2,471$1,495$870$490$271$29
44 years$2,388$1,425$816$453$246$25
45 years$2,309$1,359$766$418$223$21
46 years$2,233$1,297$720$386$202$18
47 years$2,161$1,237$676$357$184$15
48 years$2,092$1,181$636$330$167$13
49 years$2,026$1,128$597$305$152$11
50 years$1,962$1,078$562$282$138$10

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 $6,434 every year, while hoping to spend $37,462 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: 67/14/19 Blend
51$2,010,000$2,010,000$2,010,000$2,010,000
52$2,221,657$2,115,127$2,083,972$2,359,643
53$2,408,406$2,178,909$2,113,925$2,516,569
54$2,612,949$2,244,560$2,143,627$2,683,168
55$2,837,060$2,312,134$2,173,029$2,864,441
56$3,082,694$2,381,682$2,202,079$3,061,830
57$3,352,005$2,453,261$2,230,725$3,276,922
58$3,647,364$2,526,926$2,258,909$3,511,466
59$3,971,384$2,602,733$2,286,571$3,767,388
60$4,326,941$2,680,744$2,313,647$4,046,807
61$4,717,205$2,761,016$2,340,071$4,352,059
62$5,145,667$2,843,613$2,365,770$4,685,717
63$5,616,173$2,928,597$2,390,671$5,050,616
64$6,132,957$3,016,034$2,414,693$5,449,877
65$6,700,688$3,105,988$2,437,755$5,886,938
66$7,324,506$3,198,529$2,459,767$6,365,589
67$8,010,074$3,293,725$2,480,637$6,890,003
68$8,763,631$3,391,648$2,500,269$7,464,779
69$9,592,052$3,492,370$2,518,558$8,094,982
70$10,502,910$3,595,964$2,535,399$8,786,194
71$11,504,548$3,702,508$2,550,676$9,544,564
72$12,606,159$3,812,078$2,564,270$10,376,867
73$13,817,871$3,924,753$2,576,057$11,290,569
74$15,150,843$4,040,615$2,585,904$12,293,895
75$16,617,370$4,159,746$2,593,673$13,395,908
76$18,230,998$4,282,230$2,599,217$14,606,594
77$20,006,655$4,408,154$2,602,385$15,936,956
78$21,960,785$4,537,605$2,603,017$17,399,119
79$24,111,510$4,670,672$2,600,943$19,006,443
80$26,478,797$4,807,448$2,595,987$20,773,649
81$29,084,646$4,948,025$2,587,965$22,716,958
82$31,953,300$5,092,499$2,576,682$24,854,246
83$35,111,470$5,240,965$2,561,935$27,205,209
84$38,588,591$5,393,522$2,543,509$29,791,552
85$42,417,093$5,550,271$2,521,183$32,637,192
86$46,632,715$5,711,313$2,494,722$35,768,486
87$51,274,837$5,876,753$2,463,880$39,214,475
88$56,386,852$6,046,694$2,428,401$43,007,165
89$62,016,574$6,221,245$2,388,015$47,181,821
90$68,216,693$6,400,515$2,342,442$51,777,308
91$75,045,268$6,584,613$2,291,387$56,836,453
92$82,566,279$6,773,652$2,234,542$62,406,448
93$90,850,223$6,967,746$2,171,583$68,539,301
94$99,974,789$7,167,008$2,102,174$75,292,321
95$110,025,583$7,371,557$2,025,962$82,728,664
96$121,096,939$7,581,509$1,942,578$90,917,925
97$133,292,808$7,796,985$1,851,636$99,936,799
98$146,727,741$8,018,104$1,752,733$109,869,801
99$161,527,969$8,244,989$1,645,447$120,810,068
100$177,832,590$8,477,762$1,529,338$132,860,234