Can I retire at age 52 with 2,030,000?

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 $2,030,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.6%
1 years$167,636$166,142$164,685$163,264$161,875$157,515
2 years$82,988$81,442$79,944$78,492$77,083$72,721
3 years$54,776$53,223$51,729$50,291$48,905$44,678
4 years$40,672$39,125$37,646$36,232$34,879$30,820
5 years$32,213$30,674$29,215$27,829$26,515$22,634
6 years$26,575$25,048$23,610$22,255$20,980$17,282
7 years$22,549$21,035$19,620$18,297$17,063$13,547
8 years$19,531$18,031$16,639$15,349$14,155$10,820
9 years$17,185$15,699$14,331$13,074$11,921$8,763
10 years$15,310$13,838$12,494$11,270$10,157$7,174
11 years$13,776$12,319$11,000$9,808$8,735$5,921
12 years$12,499$11,057$9,762$8,603$7,570$4,919
13 years$11,419$9,992$8,722$7,595$6,601$4,109
14 years$10,494$9,083$7,837$6,742$5,786$3,447
15 years$9,694$8,297$7,075$6,013$5,095$2,902
16 years$8,994$7,613$6,415$5,384$4,503$2,450
17 years$8,377$7,011$5,837$4,837$3,993$2,073
18 years$7,829$6,478$5,329$4,359$3,550$1,758
19 years$7,339$6,004$4,878$3,939$3,164$1,494
20 years$6,899$5,579$4,477$3,568$2,826$1,271
21 years$6,502$5,197$4,118$3,238$2,529$1,082
22 years$6,141$4,851$3,795$2,944$2,267$923
23 years$5,812$4,537$3,504$2,681$2,035$787
24 years$5,510$4,251$3,241$2,445$1,829$673
25 years$5,234$3,989$3,002$2,233$1,646$575
26 years$4,979$3,749$2,784$2,042$1,483$491
27 years$4,743$3,529$2,585$1,869$1,337$420
28 years$4,524$3,325$2,403$1,712$1,206$360
29 years$4,321$3,137$2,236$1,570$1,089$308
30 years$4,132$2,962$2,083$1,441$984$264
31 years$3,956$2,800$1,942$1,324$890$226
32 years$3,790$2,650$1,812$1,216$805$193
33 years$3,635$2,509$1,692$1,119$728$166
34 years$3,490$2,378$1,581$1,029$659$142
35 years$3,353$2,256$1,478$947$597$122
36 years$3,224$2,141$1,383$873$541$104
37 years$3,102$2,034$1,294$804$490$89
38 years$2,987$1,933$1,212$741$445$77
39 years$2,878$1,838$1,135$683$403$66
40 years$2,775$1,748$1,064$630$366$56
41 years$2,677$1,664$998$581$332$48
42 years$2,584$1,585$936$537$301$41
43 years$2,496$1,510$878$495$273$35
44 years$2,412$1,440$824$457$248$30
45 years$2,332$1,373$774$422$225$26
46 years$2,255$1,310$727$390$204$22
47 years$2,182$1,250$683$360$186$19
48 years$2,113$1,193$642$333$169$16
49 years$2,046$1,139$603$308$153$14
50 years$1,982$1,088$567$285$139$12

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,030,000, adding $2,092 every year, while hoping to spend $36,625 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: 82/6/12 Blend
51$2,030,000$2,030,000$2,030,000$2,030,000
52$2,239,218$2,131,628$2,100,163$2,417,878
53$2,428,649$2,197,109$2,131,550$2,600,796
54$2,636,175$2,264,571$2,162,760$2,796,553
55$2,863,603$2,334,073$2,193,750$3,010,398
56$3,112,922$2,405,674$2,224,473$3,244,128
57$3,386,324$2,479,436$2,254,877$3,499,720
58$3,686,224$2,555,423$2,284,910$3,779,355
59$4,015,280$2,633,700$2,314,515$4,085,432
60$4,376,421$2,714,334$2,343,634$4,420,594
61$4,772,874$2,797,394$2,372,204$4,787,753
62$5,208,191$2,882,951$2,400,157$5,190,118
63$5,686,288$2,971,077$2,427,424$5,631,221
64$6,211,478$3,061,847$2,453,930$6,114,955
65$6,788,510$3,155,339$2,479,598$6,645,608
66$7,422,618$3,251,631$2,504,345$7,227,905
67$8,119,568$3,350,804$2,528,083$7,867,049
68$8,885,712$3,452,941$2,550,722$8,568,775
69$9,728,048$3,558,129$2,572,165$9,339,401
70$10,654,286$3,666,455$2,592,310$10,185,886
71$11,672,921$3,778,009$2,611,050$11,115,899
72$12,793,311$3,892,883$2,628,273$12,137,889
73$14,025,769$4,011,174$2,643,859$13,261,165
74$15,381,654$4,132,979$2,657,686$14,495,986
75$16,873,486$4,258,398$2,669,621$15,853,652
76$18,515,056$4,387,533$2,679,527$17,346,616
77$20,321,560$4,520,491$2,687,260$18,988,600
78$22,309,744$4,657,381$2,692,669$20,794,724
79$24,498,058$4,798,312$2,695,593$22,781,646
80$26,906,830$4,943,400$2,695,866$24,967,724
81$29,558,462$5,092,761$2,693,312$27,373,185
82$32,477,634$5,246,515$2,687,747$30,020,318
83$35,691,544$5,404,786$2,678,978$32,933,683
84$39,230,161$5,567,700$2,666,803$36,140,345
85$43,126,506$5,735,386$2,651,010$39,670,125
86$47,416,967$5,907,977$2,631,376$43,555,885
87$52,141,639$6,085,609$2,607,668$47,833,836
88$57,344,704$6,268,422$2,579,643$52,543,884
89$63,074,847$6,456,558$2,547,044$57,729,998
90$69,385,716$6,650,163$2,509,604$63,440,633
91$76,336,425$6,849,388$2,467,043$69,729,184
92$83,992,119$7,054,386$2,419,067$76,654,488
93$92,424,579$7,265,314$2,365,369$84,281,385
94$101,712,905$7,482,334$2,305,628$92,681,323
95$111,944,262$7,705,610$2,239,508$101,933,036
96$123,214,703$7,935,310$2,166,657$112,123,289
97$135,630,070$8,171,608$2,086,708$123,347,690
98$149,307,000$8,414,680$1,999,275$135,711,602
99$164,374,021$8,664,706$1,903,957$149,331,129
100$180,972,765$8,921,871$1,800,334$164,334,216