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

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 $2,030,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.8%
1 years$167,636$166,142$164,685$163,264$161,875$158,672
2 years$82,988$81,442$79,944$78,492$77,083$73,869
3 years$54,776$53,223$51,729$50,291$48,905$45,781
4 years$40,672$39,125$37,646$36,232$34,879$31,869
5 years$32,213$30,674$29,215$27,829$26,515$23,627
6 years$26,575$25,048$23,610$22,255$20,980$18,218
7 years$22,549$21,035$19,620$18,297$17,063$14,426
8 years$19,531$18,031$16,639$15,349$14,155$11,644
9 years$17,185$15,699$14,331$13,074$11,921$9,534
10 years$15,310$13,838$12,494$11,270$10,157$7,892
11 years$13,776$12,319$11,000$9,808$8,735$6,589
12 years$12,499$11,057$9,762$8,603$7,570$5,539
13 years$11,419$9,992$8,722$7,595$6,601$4,683
14 years$10,494$9,083$7,837$6,742$5,786$3,977
15 years$9,694$8,297$7,075$6,013$5,095$3,390
16 years$8,994$7,613$6,415$5,384$4,503$2,899
17 years$8,377$7,011$5,837$4,837$3,993$2,486
18 years$7,829$6,478$5,329$4,359$3,550$2,136
19 years$7,339$6,004$4,878$3,939$3,164$1,839
20 years$6,899$5,579$4,477$3,568$2,826$1,586
21 years$6,502$5,197$4,118$3,238$2,529$1,370
22 years$6,141$4,851$3,795$2,944$2,267$1,184
23 years$5,812$4,537$3,504$2,681$2,035$1,025
24 years$5,510$4,251$3,241$2,445$1,829$888
25 years$5,234$3,989$3,002$2,233$1,646$770
26 years$4,979$3,749$2,784$2,042$1,483$667
27 years$4,743$3,529$2,585$1,869$1,337$579
28 years$4,524$3,325$2,403$1,712$1,206$503
29 years$4,321$3,137$2,236$1,570$1,089$437
30 years$4,132$2,962$2,083$1,441$984$380
31 years$3,956$2,800$1,942$1,324$890$330
32 years$3,790$2,650$1,812$1,216$805$287
33 years$3,635$2,509$1,692$1,119$728$250
34 years$3,490$2,378$1,581$1,029$659$217
35 years$3,353$2,256$1,478$947$597$189
36 years$3,224$2,141$1,383$873$541$164
37 years$3,102$2,034$1,294$804$490$143
38 years$2,987$1,933$1,212$741$445$125
39 years$2,878$1,838$1,135$683$403$108
40 years$2,775$1,748$1,064$630$366$94
41 years$2,677$1,664$998$581$332$82
42 years$2,584$1,585$936$537$301$72
43 years$2,496$1,510$878$495$273$62
44 years$2,412$1,440$824$457$248$54
45 years$2,332$1,373$774$422$225$47
46 years$2,255$1,310$727$390$204$41
47 years$2,182$1,250$683$360$186$36
48 years$2,113$1,193$642$333$169$31
49 years$2,046$1,139$603$308$153$27
50 years$1,982$1,088$567$285$139$24

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 $6,274 every year, while hoping to spend $22,965 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: 50/44/6 Blend
51$2,030,000$2,030,000$2,030,000$2,030,000
52$2,243,532$2,135,942$2,104,477$2,352,067
53$2,447,937$2,216,168$2,150,542$2,506,885
54$2,672,423$2,299,556$2,197,381$2,672,027
55$2,919,012$2,386,236$2,244,995$2,850,917
56$3,189,934$2,476,345$2,293,385$3,044,848
57$3,487,645$2,570,024$2,342,552$3,255,237
58$3,814,851$2,667,422$2,392,494$3,483,644
59$4,174,534$2,768,693$2,443,210$3,731,785
60$4,569,978$2,874,000$2,494,699$4,001,541
61$5,004,800$2,983,511$2,546,956$4,294,986
62$5,482,987$3,097,401$2,599,977$4,614,396
63$6,008,933$3,215,854$2,653,757$4,962,276
64$6,587,475$3,339,062$2,708,289$5,341,380
65$7,223,946$3,467,224$2,763,565$5,754,738
66$7,924,220$3,600,550$2,819,576$6,205,684
67$8,694,770$3,739,257$2,876,311$6,697,883
68$9,542,728$3,883,572$2,933,759$7,235,369
69$10,475,953$4,033,733$2,991,906$7,822,581
70$11,503,102$4,189,987$3,050,737$8,464,403
71$12,633,716$4,352,595$3,110,234$9,166,211
72$13,878,307$4,521,824$3,170,380$9,933,920
73$15,248,460$4,697,959$3,231,153$10,774,043
74$16,756,937$4,881,293$3,292,530$11,693,746
75$18,417,802$5,072,134$3,354,487$12,700,919
76$20,246,552$5,270,803$3,416,998$13,804,249
77$22,260,265$5,477,636$3,480,031$15,013,296
78$24,477,756$5,692,984$3,543,556$16,338,589
79$26,919,759$5,917,213$3,607,538$17,791,721
80$29,609,123$6,150,705$3,671,939$19,385,453
81$32,571,024$6,393,860$3,736,719$21,133,841
82$35,833,205$6,647,096$3,801,836$23,052,360
83$39,426,236$6,910,848$3,867,241$25,158,055
84$43,383,805$7,185,572$3,932,887$27,469,693
85$47,743,032$7,471,744$3,998,718$30,007,945
86$52,544,825$7,769,863$4,064,678$32,795,578
87$57,834,258$8,080,447$4,130,706$35,857,663
88$63,661,004$8,404,041$4,196,736$39,221,817
89$70,079,799$8,741,212$4,262,699$42,918,458
90$77,150,961$9,092,553$4,328,522$46,981,090
91$84,940,956$9,458,685$4,394,125$51,446,618
92$93,523,030$9,840,257$4,459,424$56,355,695
93$102,977,895$10,237,946$4,524,331$61,753,100
94$113,394,495$10,652,460$4,588,750$67,688,163
95$124,870,843$11,084,540$4,652,583$74,215,225
96$137,514,947$11,534,961$4,715,723$81,394,149
97$151,445,829$12,004,531$4,778,057$89,290,883
98$166,794,648$12,494,098$4,839,467$97,978,079
99$183,705,940$13,004,546$4,899,826$107,535,778
100$202,338,977$13,536,800$4,959,002$118,052,157