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%18%
1 years$169,287$167,779$166,308$164,872$163,470$158,174
2 years$83,805$82,245$80,732$79,265$77,843$72,557
3 years$55,315$53,748$52,239$50,786$49,387$44,277
4 years$41,073$39,510$38,017$36,589$35,223$30,328
5 years$32,530$30,977$29,502$28,104$26,776$22,109
6 years$26,836$25,295$23,842$22,475$21,187$16,752
7 years$22,771$21,242$19,813$18,478$17,231$13,028
8 years$19,724$18,209$16,803$15,500$14,294$10,320
9 years$17,355$15,854$14,472$13,203$12,038$8,287
10 years$15,460$13,974$12,617$11,381$10,257$6,725
11 years$13,912$12,441$11,108$9,905$8,821$5,501
12 years$12,622$11,166$9,858$8,688$7,644$4,528
13 years$11,532$10,091$8,808$7,670$6,666$3,747
14 years$10,598$9,172$7,914$6,809$5,843$3,113
15 years$9,789$8,379$7,145$6,072$5,145$2,594
16 years$9,082$7,688$6,478$5,437$4,547$2,169
17 years$8,459$7,080$5,895$4,885$4,032$1,817
18 years$7,906$6,542$5,381$4,402$3,585$1,525
19 years$7,412$6,063$4,926$3,978$3,195$1,282
20 years$6,967$5,634$4,521$3,603$2,854$1,079
21 years$6,566$5,248$4,158$3,270$2,554$909
22 years$6,201$4,899$3,833$2,973$2,289$767
23 years$5,869$4,582$3,539$2,708$2,055$647
24 years$5,565$4,293$3,273$2,469$1,847$546
25 years$5,285$4,029$3,031$2,255$1,662$462
26 years$5,028$3,786$2,811$2,062$1,497$390
27 years$4,790$3,563$2,611$1,887$1,350$330
28 years$4,569$3,358$2,427$1,729$1,218$279
29 years$4,364$3,168$2,258$1,586$1,100$236
30 years$4,173$2,992$2,104$1,455$994$200
31 years$3,995$2,828$1,961$1,337$898$169
32 years$3,828$2,676$1,830$1,228$813$143
33 years$3,671$2,534$1,708$1,130$736$121
34 years$3,524$2,402$1,596$1,039$666$103
35 years$3,386$2,278$1,492$957$603$87
36 years$3,256$2,162$1,396$881$546$74
37 years$3,133$2,054$1,307$812$495$62
38 years$3,017$1,952$1,224$748$449$53
39 years$2,907$1,856$1,146$690$407$45
40 years$2,803$1,766$1,075$636$369$38
41 years$2,704$1,681$1,008$587$335$32
42 years$2,610$1,601$945$542$304$27
43 years$2,521$1,525$887$500$276$23
44 years$2,436$1,454$833$462$250$20
45 years$2,355$1,386$782$427$227$17
46 years$2,277$1,322$734$394$206$14
47 years$2,204$1,262$690$364$187$12
48 years$2,133$1,205$648$336$170$10
49 years$2,066$1,150$609$311$155$9
50 years$2,002$1,099$573$287$140$7

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 $5,346 every year, while hoping to spend $59,493 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: 42/35/23 Blend
51$2,050,000$2,050,000$2,050,000$2,050,000
52$2,264,614$2,155,964$2,124,189$2,344,274
53$2,432,305$2,198,307$2,132,050$2,443,960
54$2,615,106$2,240,730$2,138,179$2,545,736
55$2,814,496$2,283,174$2,142,457$2,654,761
56$3,032,102$2,325,578$2,144,757$2,771,737
57$3,269,716$2,367,870$2,144,946$2,897,434
58$3,529,309$2,409,978$2,142,884$3,032,707
59$3,813,052$2,451,820$2,138,424$3,178,494
60$4,123,335$2,493,311$2,131,413$3,335,835
61$4,462,790$2,534,358$2,121,690$3,505,875
62$4,834,313$2,574,860$2,109,085$3,689,878
63$5,241,096$2,614,711$2,093,422$3,889,240
64$5,686,652$2,653,796$2,074,516$4,105,501
65$6,174,849$2,691,991$2,052,171$4,340,361
66$6,709,950$2,729,165$2,026,186$4,595,694
67$7,296,648$2,765,177$1,996,345$4,873,571
68$7,940,110$2,799,875$1,962,427$5,176,276
69$8,646,030$2,833,097$1,924,197$5,506,330
70$9,420,679$2,864,673$1,881,412$5,866,513
71$10,270,964$2,894,418$1,833,815$6,259,894
72$11,204,493$2,922,135$1,781,138$6,689,860
73$12,229,648$2,947,617$1,723,103$7,160,146
74$13,355,661$2,970,639$1,659,416$7,674,875
75$14,592,703$2,990,965$1,589,771$8,238,594
76$15,951,979$3,008,341$1,513,848$8,856,320
77$17,445,831$3,022,501$1,431,312$9,533,590
78$19,087,859$3,033,156$1,341,814$10,276,508
79$20,893,044$3,040,004$1,244,988$11,091,811
80$22,877,892$3,042,722$1,140,453$11,986,930
81$25,060,587$3,040,966$1,027,809$12,970,060
82$27,461,166$3,034,373$906,640$14,050,242
83$30,101,703$3,022,555$776,510$15,237,449
84$33,006,519$3,005,102$636,965$16,542,677
85$36,202,410$2,981,578$487,530$17,978,059
86$39,718,904$2,951,523$327,710$19,556,972
87$43,588,530$2,914,446$156,986$21,294,171
88$47,847,135$2,869,829$0$23,205,928
89$52,534,214$2,817,122$0$25,316,374
90$57,693,286$2,755,742$0$27,680,628
91$63,372,300$2,685,073$0$30,282,089
92$69,624,095$2,604,462$0$33,144,972
93$76,506,889$2,513,217$0$36,295,967
94$84,084,834$2,410,607$0$39,764,498
95$92,428,618$2,295,857$0$43,582,995
96$101,616,132$2,168,149$0$47,787,209
97$111,733,206$2,026,618$0$52,416,546
98$122,874,418$1,870,346$0$57,514,443
99$135,143,982$1,698,367$0$63,128,777
100$148,656,737$1,509,656$0$69,312,323