Can I retire at age 52 with 2,020,000?

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 $2,020,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.8%
1 years$166,810$165,324$163,874$162,459$161,078$159,862
2 years$82,579$81,041$79,551$78,105$76,704$75,478
3 years$54,506$52,961$51,474$50,043$48,664$47,466
4 years$40,472$38,932$37,460$36,053$34,708$33,547
5 years$32,054$30,523$29,071$27,692$26,384$25,264
6 years$26,444$24,925$23,493$22,146$20,877$19,799
7 years$22,438$20,932$19,523$18,207$16,978$15,943
8 years$19,435$17,942$16,557$15,274$14,085$13,092
9 years$17,101$15,622$14,261$13,010$11,862$10,911
10 years$15,234$13,770$12,433$11,214$10,107$9,198
11 years$13,708$12,259$10,946$9,760$8,692$7,825
12 years$12,437$11,003$9,714$8,561$7,533$6,705
13 years$11,363$9,943$8,679$7,558$6,569$5,781
14 years$10,443$9,038$7,798$6,709$5,758$5,008
15 years$9,646$8,256$7,040$5,983$5,070$4,358
16 years$8,949$7,575$6,383$5,357$4,481$3,805
17 years$8,335$6,976$5,808$4,814$3,973$3,332
18 years$7,790$6,447$5,302$4,338$3,532$2,926
19 years$7,303$5,975$4,854$3,920$3,149$2,575
20 years$6,865$5,552$4,455$3,550$2,812$2,271
21 years$6,470$5,171$4,098$3,222$2,517$2,006
22 years$6,110$4,827$3,777$2,929$2,256$1,774
23 years$5,783$4,515$3,487$2,668$2,025$1,571
24 years$5,483$4,230$3,225$2,433$1,820$1,393
25 years$5,208$3,970$2,987$2,222$1,638$1,236
26 years$4,954$3,731$2,770$2,032$1,475$1,098
27 years$4,720$3,511$2,572$1,860$1,330$976
28 years$4,502$3,309$2,391$1,704$1,200$869
29 years$4,300$3,121$2,225$1,563$1,084$773
30 years$4,112$2,948$2,073$1,434$979$689
31 years$3,936$2,787$1,932$1,317$885$614
32 years$3,772$2,637$1,803$1,210$801$547
33 years$3,618$2,497$1,683$1,113$725$488
34 years$3,473$2,367$1,573$1,024$656$435
35 years$3,337$2,245$1,471$943$594$388
36 years$3,208$2,131$1,376$868$538$346
37 years$3,087$2,023$1,288$800$488$309
38 years$2,973$1,923$1,206$737$442$276
39 years$2,864$1,829$1,130$680$401$247
40 years$2,762$1,740$1,059$627$364$220
41 years$2,664$1,656$993$579$330$197
42 years$2,572$1,577$931$534$300$176
43 years$2,484$1,503$874$493$272$157
44 years$2,400$1,432$820$455$247$140
45 years$2,320$1,366$770$420$224$125
46 years$2,244$1,303$723$388$203$112
47 years$2,172$1,244$680$359$185$100
48 years$2,102$1,187$639$331$168$90
49 years$2,036$1,134$600$306$152$80
50 years$1,972$1,083$564$283$138$72

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,020,000, adding $5,843 every year, while hoping to spend $46,465 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: 82/9/9 Blend
51$2,020,000$2,020,000$2,020,000$2,020,000
52$2,232,067$2,125,007$2,093,697$2,411,803
53$2,410,299$2,179,694$2,114,398$2,585,001
54$2,605,154$2,235,503$2,134,234$2,768,335
55$2,818,278$2,292,441$2,153,129$2,968,202
56$3,051,483$2,350,511$2,171,000$3,186,231
57$3,306,766$2,409,718$2,187,760$3,424,219
58$3,586,325$2,470,063$2,203,319$3,684,145
59$3,892,581$2,531,547$2,217,580$3,968,186
60$4,228,199$2,594,167$2,230,444$4,278,743
61$4,596,114$2,657,921$2,241,803$4,618,458
62$4,999,562$2,722,802$2,251,547$4,990,243
63$5,442,102$2,788,805$2,259,559$5,397,304
64$5,927,658$2,855,918$2,265,715$5,843,174
65$6,460,550$2,924,128$2,269,888$6,331,744
66$7,045,537$2,993,422$2,271,941$6,867,301
67$7,687,863$3,063,781$2,271,731$7,454,567
68$8,393,302$3,135,183$2,269,111$8,098,746
69$9,168,216$3,207,604$2,263,923$8,805,570
70$10,019,613$3,281,015$2,256,004$9,581,353
71$10,955,214$3,355,386$2,245,181$10,433,055
72$11,983,525$3,430,679$2,231,273$11,368,340
73$13,113,916$3,506,854$2,214,093$12,395,656
74$14,356,711$3,583,866$2,193,441$13,524,309
75$15,723,285$3,661,664$2,169,110$14,764,554
76$17,226,168$3,740,194$2,140,883$16,127,688
77$18,879,167$3,819,393$2,108,533$17,626,162
78$20,697,494$3,899,195$2,071,820$19,273,692
79$22,697,908$3,979,526$2,030,496$21,085,395
80$24,898,877$4,060,305$1,984,300$23,077,926
81$27,320,747$4,141,444$1,932,959$25,269,636
82$29,985,936$4,222,848$1,876,186$27,680,751
83$32,919,147$4,304,412$1,813,683$30,333,553
84$36,147,596$4,386,025$1,745,138$33,252,598
85$39,701,274$4,467,564$1,670,224$36,464,944
86$43,613,226$4,548,896$1,588,598$40,000,409
87$47,919,864$4,629,880$1,499,904$43,891,849
88$52,661,308$4,710,363$1,403,769$48,175,471
89$57,881,768$4,790,177$1,299,803$52,891,173
90$63,629,959$4,869,147$1,187,597$58,082,920
91$69,959,560$4,947,080$1,066,726$63,799,162
92$76,929,719$5,023,771$936,745$70,093,288
93$84,605,614$5,098,999$797,190$77,024,131
94$93,059,066$5,172,530$647,575$84,656,524
95$102,369,216$5,244,109$487,394$93,061,912
96$112,623,273$5,313,467$316,118$102,319,026
97$123,917,333$5,380,313$133,195$112,514,626
98$136,357,292$5,444,340$0$123,744,319
99$150,059,840$5,505,216$0$136,119,420
100$165,153,561$5,562,589$0$149,764,114