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%15.5%
1 years$169,287$167,779$166,308$164,872$163,470$159,778
2 years$83,805$82,245$80,732$79,265$77,843$74,143
3 years$55,315$53,748$52,239$50,786$49,387$45,794
4 years$41,073$39,510$38,017$36,589$35,223$31,766
5 years$32,530$30,977$29,502$28,104$26,776$23,464
6 years$26,836$25,295$23,842$22,475$21,187$18,024
7 years$22,771$21,242$19,813$18,478$17,231$14,216
8 years$19,724$18,209$16,803$15,500$14,294$11,428
9 years$17,355$15,854$14,472$13,203$12,038$9,318
10 years$15,460$13,974$12,617$11,381$10,257$7,679
11 years$13,912$12,441$11,108$9,905$8,821$6,383
12 years$12,622$11,166$9,858$8,688$7,644$5,342
13 years$11,532$10,091$8,808$7,670$6,666$4,495
14 years$10,598$9,172$7,914$6,809$5,843$3,799
15 years$9,789$8,379$7,145$6,072$5,145$3,223
16 years$9,082$7,688$6,478$5,437$4,547$2,743
17 years$8,459$7,080$5,895$4,885$4,032$2,340
18 years$7,906$6,542$5,381$4,402$3,585$2,000
19 years$7,412$6,063$4,926$3,978$3,195$1,713
20 years$6,967$5,634$4,521$3,603$2,854$1,470
21 years$6,566$5,248$4,158$3,270$2,554$1,262
22 years$6,201$4,899$3,833$2,973$2,289$1,086
23 years$5,869$4,582$3,539$2,708$2,055$934
24 years$5,565$4,293$3,273$2,469$1,847$805
25 years$5,285$4,029$3,031$2,255$1,662$694
26 years$5,028$3,786$2,811$2,062$1,497$599
27 years$4,790$3,563$2,611$1,887$1,350$517
28 years$4,569$3,358$2,427$1,729$1,218$446
29 years$4,364$3,168$2,258$1,586$1,100$385
30 years$4,173$2,992$2,104$1,455$994$333
31 years$3,995$2,828$1,961$1,337$898$288
32 years$3,828$2,676$1,830$1,228$813$249
33 years$3,671$2,534$1,708$1,130$736$215
34 years$3,524$2,402$1,596$1,039$666$186
35 years$3,386$2,278$1,492$957$603$161
36 years$3,256$2,162$1,396$881$546$139
37 years$3,133$2,054$1,307$812$495$120
38 years$3,017$1,952$1,224$748$449$104
39 years$2,907$1,856$1,146$690$407$90
40 years$2,803$1,766$1,075$636$369$78
41 years$2,704$1,681$1,008$587$335$67
42 years$2,610$1,601$945$542$304$58
43 years$2,521$1,525$887$500$276$51
44 years$2,436$1,454$833$462$250$44
45 years$2,355$1,386$782$427$227$38
46 years$2,277$1,322$734$394$206$33
47 years$2,204$1,262$690$364$187$28
48 years$2,133$1,205$648$336$170$25
49 years$2,066$1,150$609$311$155$21
50 years$2,002$1,099$573$287$140$18

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 $4,010 every year, while hoping to spend $52,483 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: 74/10/16 Blend
51$2,050,000$2,050,000$2,050,000$2,050,000
52$2,263,236$2,154,586$2,122,811$2,422,313
53$2,438,245$2,204,320$2,138,084$2,577,915
54$2,629,345$2,254,731$2,152,109$2,741,511
55$2,838,124$2,305,798$2,164,790$2,919,375
56$3,066,326$2,357,495$2,176,024$3,112,911
57$3,315,874$2,409,795$2,185,704$3,323,665
58$3,588,885$2,462,667$2,193,716$3,553,341
59$3,887,689$2,516,075$2,199,944$3,803,818
60$4,214,852$2,569,982$2,204,260$4,077,164
61$4,573,200$2,624,344$2,206,537$4,375,656
62$4,965,845$2,679,116$2,206,634$4,701,805
63$5,396,215$2,734,246$2,204,410$5,058,378
64$5,868,084$2,789,679$2,199,713$5,448,421
65$6,385,609$2,845,354$2,192,384$5,875,294
66$6,953,370$2,901,205$2,182,258$6,342,694
67$7,576,410$2,957,161$2,169,160$6,854,700
68$8,260,285$3,013,142$2,152,907$7,415,804
69$9,011,114$3,069,066$2,133,309$8,030,956
70$9,835,638$3,124,841$2,110,166$8,705,611
71$10,741,283$3,180,369$2,083,267$9,445,779
72$11,736,231$3,235,543$2,052,393$10,258,084
73$12,829,492$3,290,250$2,017,313$11,149,827
74$14,030,994$3,344,367$1,977,788$12,129,050
75$15,351,677$3,397,762$1,933,565$13,204,617
76$16,803,588$3,450,293$1,884,380$14,386,298
77$18,400,006$3,501,809$1,829,958$15,684,857
78$20,155,554$3,552,146$1,770,010$17,112,157
79$22,086,350$3,601,130$1,704,234$18,681,271
80$24,210,147$3,648,574$1,632,315$20,406,607
81$26,546,507$3,694,279$1,553,923$22,304,042
82$29,116,984$3,738,033$1,468,713$24,391,073
83$31,945,326$3,779,606$1,376,324$26,686,984
84$35,057,698$3,818,756$1,276,380$29,213,024
85$38,482,932$3,855,224$1,168,488$31,992,613
86$42,252,795$3,888,733$1,052,235$35,051,559
87$46,402,288$3,918,989$927,194$38,418,304
88$50,969,981$3,945,679$792,914$42,124,194
89$55,998,370$3,968,468$648,927$46,203,772
90$61,534,282$3,987,001$494,745$50,695,107
91$67,629,316$4,000,901$329,856$55,640,153
92$74,340,327$4,009,767$153,727$61,085,143
93$81,729,965$4,013,170$0$67,081,033
94$89,867,265$4,010,658$0$73,689,818
95$98,828,295$4,001,750$0$80,995,925
96$108,696,880$3,985,934$0$89,041,384
97$119,565,385$3,962,669$0$97,901,461
98$131,535,593$3,931,378$0$107,659,095
99$144,719,660$3,891,452$0$118,405,684
100$159,241,175$3,842,243$0$130,241,945