Can I retire at age 52 with 2,040,000?

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 $2,040,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.7%
1 years$168,461$166,961$165,497$164,068$162,672$158,227
2 years$83,397$81,843$80,338$78,879$77,463$73,016
3 years$55,046$53,486$51,984$50,538$49,146$44,838
4 years$40,873$39,318$37,831$36,410$35,051$30,914
5 years$32,371$30,825$29,359$27,966$26,645$22,691
6 years$26,705$25,171$23,726$22,365$21,084$17,316
7 years$22,660$21,139$19,716$18,387$17,147$13,566
8 years$19,627$18,120$16,721$15,425$14,225$10,829
9 years$17,270$15,777$14,402$13,138$11,979$8,765
10 years$15,385$13,906$12,556$11,326$10,207$7,171
11 years$13,844$12,380$11,054$9,857$8,778$5,915
12 years$12,560$11,112$9,810$8,646$7,607$4,911
13 years$11,475$10,042$8,765$7,633$6,634$4,099
14 years$10,546$9,128$7,875$6,775$5,815$3,436
15 years$9,741$8,338$7,110$6,043$5,120$2,891
16 years$9,038$7,650$6,446$5,410$4,525$2,439
17 years$8,418$7,045$5,866$4,861$4,012$2,063
18 years$7,867$6,510$5,355$4,381$3,567$1,748
19 years$7,376$6,034$4,902$3,959$3,180$1,484
20 years$6,933$5,607$4,499$3,585$2,840$1,261
21 years$6,534$5,223$4,138$3,254$2,542$1,074
22 years$6,171$4,875$3,814$2,958$2,278$915
23 years$5,840$4,560$3,522$2,694$2,045$780
24 years$5,538$4,272$3,257$2,457$1,838$665
25 years$5,259$4,009$3,016$2,244$1,654$568
26 years$5,003$3,768$2,798$2,052$1,490$485
27 years$4,766$3,546$2,598$1,878$1,343$415
28 years$4,547$3,341$2,415$1,721$1,212$355
29 years$4,343$3,152$2,247$1,578$1,094$303
30 years$4,153$2,977$2,093$1,448$989$259
31 years$3,975$2,814$1,952$1,330$894$222
32 years$3,809$2,663$1,821$1,222$809$190
33 years$3,653$2,522$1,700$1,124$732$163
34 years$3,507$2,390$1,589$1,034$663$139
35 years$3,370$2,267$1,485$952$600$119
36 years$3,240$2,152$1,389$877$544$102
37 years$3,118$2,044$1,300$808$493$87
38 years$3,002$1,942$1,218$745$447$75
39 years$2,893$1,847$1,141$687$405$64
40 years$2,789$1,757$1,069$633$368$55
41 years$2,691$1,673$1,003$584$333$47
42 years$2,597$1,593$941$539$303$40
43 years$2,508$1,518$883$498$275$35
44 years$2,424$1,447$828$460$249$30
45 years$2,343$1,380$778$424$226$25
46 years$2,266$1,316$731$392$205$22
47 years$2,193$1,256$686$362$187$19
48 years$2,123$1,199$645$335$169$16
49 years$2,056$1,145$606$309$154$14
50 years$1,992$1,094$570$286$140$12

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,040,000, adding $3,365 every year, while hoping to spend $53,490 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: 37/39/24 Blend
51$2,040,000$2,040,000$2,040,000$2,040,000
52$2,251,551$2,143,431$2,111,811$2,318,535
53$2,424,296$2,191,546$2,125,644$2,416,004
54$2,612,869$2,240,226$2,138,147$2,516,025
55$2,818,826$2,289,442$2,149,220$2,623,004
56$3,043,884$2,339,163$2,158,757$2,737,599
57$3,289,931$2,389,352$2,166,645$2,860,539
58$3,559,044$2,439,970$2,172,768$2,992,627
59$3,853,513$2,490,976$2,177,003$3,134,747
60$4,175,859$2,542,321$2,179,220$3,287,876
61$4,528,857$2,593,955$2,179,284$3,453,092
62$4,915,563$2,645,822$2,177,052$3,631,582
63$5,339,343$2,697,859$2,172,376$3,824,657
64$5,803,904$2,750,002$2,165,099$4,033,763
65$6,313,329$2,802,179$2,155,056$4,260,494
66$6,872,113$2,854,311$2,142,075$4,506,610
67$7,485,211$2,906,314$2,125,977$4,774,051
68$8,158,077$2,958,098$2,106,572$5,064,957
69$8,896,721$3,009,565$2,083,662$5,381,690
70$9,707,762$3,060,609$2,057,040$5,726,854
71$10,598,492$3,111,117$2,026,489$6,103,323
72$11,576,943$3,160,967$1,991,781$6,514,265
73$12,651,964$3,210,027$1,952,679$6,963,176
74$13,833,304$3,258,158$1,908,934$7,453,912
75$15,131,702$3,305,209$1,860,284$7,990,726
76$16,558,990$3,351,018$1,806,458$8,578,308
77$18,128,203$3,395,414$1,747,170$9,221,833
78$19,853,701$3,438,211$1,682,122$9,927,007
79$21,751,308$3,479,212$1,611,002$10,700,123
80$23,838,455$3,518,208$1,533,484$11,548,123
81$26,134,349$3,554,972$1,449,228$12,478,661
82$28,660,153$3,589,265$1,357,877$13,500,181
83$31,439,181$3,620,832$1,259,058$14,621,991
84$34,497,125$3,649,400$1,152,384$15,854,360
85$37,862,290$3,674,678$1,037,447$17,208,609
86$41,565,865$3,696,359$913,823$18,697,225
87$45,642,216$3,714,114$781,069$20,333,975
88$50,129,209$3,727,592$638,722$22,134,042
89$55,068,566$3,736,423$486,297$24,114,165
90$60,506,263$3,740,210$323,291$26,292,805
91$66,492,957$3,738,536$149,177$28,690,314
92$73,084,469$3,730,954$0$31,329,134
93$80,342,305$3,716,991$0$34,243,389
94$88,334,241$3,696,145$0$37,492,358
95$97,134,962$3,667,884$0$41,068,031
96$106,826,761$3,631,643$0$45,003,731
97$117,500,320$3,586,823$0$49,336,185
98$129,255,565$3,532,790$0$54,105,878
99$142,202,607$3,468,871$0$59,357,429
100$156,462,781$3,394,353$0$65,140,019