Can I retire at age 52 with 2,070,000?

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 $2,070,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.5%
1 years$170,939$169,416$167,930$166,481$165,065$159,398
2 years$84,623$83,047$81,520$80,039$78,602$72,951
3 years$55,855$54,272$52,749$51,282$49,868$44,410
4 years$41,474$39,896$38,387$36,945$35,567$30,343
5 years$32,847$31,279$29,790$28,378$27,037$22,062
6 years$27,098$25,541$24,075$22,694$21,394$16,670
7 years$22,993$21,450$20,006$18,658$17,399$12,927
8 years$19,916$18,386$16,967$15,652$14,434$10,210
9 years$17,524$16,009$14,614$13,332$12,155$8,174
10 years$15,611$14,111$12,741$11,492$10,357$6,612
11 years$14,047$12,562$11,217$10,002$8,907$5,391
12 years$12,745$11,275$9,954$8,773$7,719$4,423
13 years$11,644$10,189$8,894$7,745$6,731$3,647
14 years$10,701$9,262$7,991$6,875$5,900$3,020
15 years$9,885$8,461$7,215$6,131$5,195$2,508
16 years$9,171$7,763$6,541$5,490$4,592$2,089
17 years$8,542$7,149$5,952$4,933$4,071$1,743
18 years$7,983$6,606$5,434$4,445$3,620$1,458
19 years$7,484$6,122$4,974$4,017$3,226$1,221
20 years$7,035$5,689$4,565$3,638$2,882$1,024
21 years$6,630$5,299$4,199$3,302$2,579$859
22 years$6,262$4,947$3,870$3,002$2,312$722
23 years$5,926$4,627$3,573$2,734$2,075$607
24 years$5,619$4,335$3,305$2,494$1,865$510
25 years$5,337$4,068$3,061$2,277$1,678$430
26 years$5,077$3,823$2,839$2,082$1,512$362
27 years$4,836$3,598$2,636$1,906$1,363$305
28 years$4,614$3,391$2,451$1,746$1,230$257
29 years$4,407$3,199$2,280$1,601$1,111$216
30 years$4,214$3,021$2,124$1,470$1,003$182
31 years$4,034$2,856$1,980$1,350$907$154
32 years$3,865$2,702$1,848$1,240$821$130
33 years$3,707$2,559$1,725$1,141$743$109
34 years$3,559$2,425$1,612$1,050$672$92
35 years$3,419$2,300$1,507$966$609$78
36 years$3,288$2,183$1,410$890$552$66
37 years$3,164$2,074$1,320$820$500$55
38 years$3,046$1,971$1,236$756$453$47
39 years$2,935$1,874$1,158$697$411$39
40 years$2,830$1,783$1,085$643$373$33
41 years$2,730$1,697$1,017$593$338$28
42 years$2,635$1,616$954$547$307$24
43 years$2,545$1,540$896$505$279$20
44 years$2,459$1,468$841$466$253$17
45 years$2,378$1,400$789$431$230$14
46 years$2,300$1,335$741$398$208$12
47 years$2,225$1,274$697$368$189$10
48 years$2,154$1,217$655$340$172$9
49 years$2,086$1,162$615$314$156$7
50 years$2,021$1,110$578$290$142$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,070,000, adding $2,115 every year, while hoping to spend $44,174 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: 47/36/17 Blend
51$2,070,000$2,070,000$2,070,000$2,070,000
52$2,283,322$2,173,612$2,141,527$2,379,566
53$2,469,220$2,233,118$2,166,267$2,506,174
54$2,672,599$2,294,059$2,190,356$2,638,864
55$2,895,195$2,356,460$2,213,724$2,781,935
56$3,138,921$2,420,342$2,236,300$2,936,374
57$3,405,883$2,485,731$2,258,007$3,103,267
58$3,698,398$2,552,647$2,278,766$3,283,810
59$4,019,021$2,621,113$2,298,491$3,479,317
60$4,370,564$2,691,150$2,317,094$3,691,240
61$4,756,126$2,762,780$2,334,480$3,921,174
62$5,179,117$2,836,023$2,350,551$4,170,876
63$5,643,295$2,910,897$2,365,203$4,442,282
64$6,152,802$2,987,421$2,378,328$4,737,524
65$6,712,195$3,065,612$2,389,809$5,058,950
66$7,326,498$3,145,487$2,399,528$5,409,147
67$8,001,245$3,227,059$2,407,356$5,790,963
68$8,742,530$3,310,343$2,413,160$6,207,539
69$9,557,069$3,395,351$2,416,802$6,662,331
70$10,452,259$3,482,092$2,418,134$7,159,150
71$11,436,250$3,570,575$2,417,002$7,702,193
72$12,518,021$3,660,807$2,413,245$8,296,085
73$13,707,464$3,752,791$2,406,693$8,945,921
74$15,015,476$3,846,529$2,397,168$9,657,315
75$16,454,067$3,942,020$2,384,485$10,436,454
76$18,036,464$4,039,262$2,368,448$11,290,154
77$19,777,245$4,138,247$2,348,852$12,225,927
78$21,692,468$4,238,966$2,325,483$13,252,050
79$23,799,830$4,341,405$2,298,117$14,377,643
80$26,118,826$4,445,548$2,266,518$15,612,757
81$28,670,940$4,551,373$2,230,439$16,968,467
82$31,479,841$4,658,855$2,189,624$18,456,980
83$34,571,610$4,767,965$2,143,802$20,091,744
84$37,974,987$4,878,667$2,092,692$21,887,582
85$41,721,635$4,990,921$2,035,996$23,860,827
86$45,846,447$5,104,682$1,973,408$26,029,481
87$50,387,870$5,219,897$1,904,602$28,413,380
88$55,388,268$5,336,507$1,829,242$31,034,386
89$60,894,323$5,454,448$1,746,973$33,916,589
90$66,957,474$5,573,646$1,657,427$37,086,541
91$73,634,403$5,694,020$1,560,217$40,573,501
92$80,987,566$5,815,482$1,454,939$44,409,713
93$89,085,790$5,937,933$1,341,171$48,630,715
94$98,004,914$6,061,265$1,218,474$53,275,669
95$107,828,508$6,185,360$1,086,386$58,387,733
96$118,648,662$6,310,089$944,426$64,014,473
97$130,566,854$6,435,311$792,092$70,208,306
98$143,694,906$6,560,874$628,860$77,027,001
99$158,156,042$6,686,612$454,182$84,534,222
100$174,086,048$6,812,346$267,487$92,800,129