Can I retire at age 52 with 2,050,000?

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 $2,050,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.5%
1 years$169,287$167,779$166,308$164,872$163,470$161,094
2 years$83,805$82,245$80,732$79,265$77,843$75,454
3 years$55,315$53,748$52,239$50,786$49,387$47,059
4 years$41,073$39,510$38,017$36,589$35,223$32,975
5 years$32,530$30,977$29,502$28,104$26,776$24,614
6 years$26,836$25,295$23,842$22,475$21,187$19,113
7 years$22,771$21,242$19,813$18,478$17,231$15,246
8 years$19,724$18,209$16,803$15,500$14,294$12,399
9 years$17,355$15,854$14,472$13,203$12,038$10,230
10 years$15,460$13,974$12,617$11,381$10,257$8,536
11 years$13,912$12,441$11,108$9,905$8,821$7,185
12 years$12,622$11,166$9,858$8,688$7,644$6,091
13 years$11,532$10,091$8,808$7,670$6,666$5,194
14 years$10,598$9,172$7,914$6,809$5,843$4,450
15 years$9,789$8,379$7,145$6,072$5,145$3,827
16 years$9,082$7,688$6,478$5,437$4,547$3,303
17 years$8,459$7,080$5,895$4,885$4,032$2,858
18 years$7,906$6,542$5,381$4,402$3,585$2,480
19 years$7,412$6,063$4,926$3,978$3,195$2,155
20 years$6,967$5,634$4,521$3,603$2,854$1,877
21 years$6,566$5,248$4,158$3,270$2,554$1,637
22 years$6,201$4,899$3,833$2,973$2,289$1,429
23 years$5,869$4,582$3,539$2,708$2,055$1,250
24 years$5,565$4,293$3,273$2,469$1,847$1,093
25 years$5,285$4,029$3,031$2,255$1,662$958
26 years$5,028$3,786$2,811$2,062$1,497$839
27 years$4,790$3,563$2,611$1,887$1,350$736
28 years$4,569$3,358$2,427$1,729$1,218$646
29 years$4,364$3,168$2,258$1,586$1,100$567
30 years$4,173$2,992$2,104$1,455$994$498
31 years$3,995$2,828$1,961$1,337$898$438
32 years$3,828$2,676$1,830$1,228$813$385
33 years$3,671$2,534$1,708$1,130$736$338
34 years$3,524$2,402$1,596$1,039$666$297
35 years$3,386$2,278$1,492$957$603$262
36 years$3,256$2,162$1,396$881$546$230
37 years$3,133$2,054$1,307$812$495$203
38 years$3,017$1,952$1,224$748$449$178
39 years$2,907$1,856$1,146$690$407$157
40 years$2,803$1,766$1,075$636$369$138
41 years$2,704$1,681$1,008$587$335$122
42 years$2,610$1,601$945$542$304$107
43 years$2,521$1,525$887$500$276$94
44 years$2,436$1,454$833$462$250$83
45 years$2,355$1,386$782$427$227$73
46 years$2,277$1,322$734$394$206$64
47 years$2,204$1,262$690$364$187$57
48 years$2,133$1,205$648$336$170$50
49 years$2,066$1,150$609$311$155$44
50 years$2,002$1,099$573$287$140$39

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,050,000, adding $4,424 every year, while hoping to spend $47,482 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: 35/43/22 Blend
51$2,050,000$2,050,000$2,050,000$2,050,000
52$2,263,663$2,155,013$2,123,238$2,327,625
53$2,444,037$2,210,089$2,143,846$2,430,256
54$2,641,216$2,266,271$2,163,553$2,536,234
55$2,856,867$2,323,565$2,182,279$2,649,617
56$3,092,821$2,381,973$2,199,939$2,771,094
57$3,351,095$2,441,496$2,216,443$2,901,424
58$3,633,912$2,502,135$2,231,700$3,041,443
59$3,943,718$2,563,886$2,245,608$3,192,071
60$4,283,208$2,626,747$2,258,066$3,354,322
61$4,655,347$2,690,710$2,268,964$3,529,313
62$5,063,406$2,755,768$2,278,188$3,718,275
63$5,510,983$2,821,910$2,285,616$3,922,564
64$6,002,043$2,889,123$2,291,124$4,143,675
65$6,540,952$2,957,391$2,294,578$4,383,255
66$7,132,521$3,026,695$2,295,838$4,643,119
67$7,782,049$3,097,014$2,294,759$4,925,268
68$8,495,371$3,168,321$2,291,187$5,231,906
69$9,278,919$3,240,589$2,284,961$5,565,465
70$10,139,774$3,313,783$2,275,913$5,928,624
71$11,085,741$3,387,868$2,263,866$6,324,334
72$12,125,415$3,462,802$2,248,634$6,755,852
73$13,268,267$3,538,539$2,230,023$7,226,765
74$14,524,731$3,615,028$2,207,829$7,741,029
75$15,906,301$3,692,213$2,181,840$8,303,003
76$17,425,644$3,770,031$2,151,831$8,917,493
77$19,096,712$3,848,415$2,117,570$9,589,799
78$20,934,878$3,927,289$2,078,810$10,325,760
79$22,957,082$4,006,573$2,035,297$11,131,815
80$25,181,987$4,086,177$1,986,762$12,015,061
81$27,630,156$4,166,006$1,932,924$12,983,322
82$30,324,245$4,245,953$1,873,490$14,045,224
83$33,289,219$4,325,906$1,808,153$15,210,274
84$36,552,586$4,405,742$1,736,593$16,488,954
85$40,144,653$4,485,327$1,658,473$17,892,818
86$44,098,819$4,564,519$1,573,442$19,434,603
87$48,451,881$4,643,163$1,481,135$21,128,349
88$53,244,386$4,721,092$1,381,167$22,989,533
89$58,521,016$4,798,127$1,273,138$25,035,217
90$64,331,001$4,874,077$1,156,630$27,284,209
91$70,728,592$4,948,736$1,031,206$29,757,239
92$77,773,565$5,021,881$896,408$32,477,162
93$85,531,791$5,093,275$751,760$35,469,167
94$94,075,854$5,162,666$596,764$38,761,024
95$103,485,736$5,229,781$430,901$42,383,340
96$113,849,571$5,294,331$253,626$46,369,857
97$125,264,479$5,356,004$64,374$50,757,763
98$137,837,478$5,414,470$0$55,588,052
99$151,686,498$5,469,376$0$60,938,210
100$166,941,489$5,520,345$0$66,843,969