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%19.6%
1 years$170,939$169,416$167,930$166,481$165,065$158,704
2 years$84,623$83,047$81,520$80,039$78,602$72,269
3 years$55,855$54,272$52,749$51,282$49,868$43,763
4 years$41,474$39,896$38,387$36,945$35,567$29,735
5 years$32,847$31,279$29,790$28,378$27,037$21,495
6 years$27,098$25,541$24,075$22,694$21,394$16,144
7 years$22,993$21,450$20,006$18,658$17,399$12,440
8 years$19,916$18,386$16,967$15,652$14,434$9,762
9 years$17,524$16,009$14,614$13,332$12,155$7,763
10 years$15,611$14,111$12,741$11,492$10,357$6,236
11 years$14,047$12,562$11,217$10,002$8,907$5,048
12 years$12,745$11,275$9,954$8,773$7,719$4,111
13 years$11,644$10,189$8,894$7,745$6,731$3,365
14 years$10,701$9,262$7,991$6,875$5,900$2,764
15 years$9,885$8,461$7,215$6,131$5,195$2,278
16 years$9,171$7,763$6,541$5,490$4,592$1,882
17 years$8,542$7,149$5,952$4,933$4,071$1,558
18 years$7,983$6,606$5,434$4,445$3,620$1,292
19 years$7,484$6,122$4,974$4,017$3,226$1,073
20 years$7,035$5,689$4,565$3,638$2,882$892
21 years$6,630$5,299$4,199$3,302$2,579$743
22 years$6,262$4,947$3,870$3,002$2,312$618
23 years$5,926$4,627$3,573$2,734$2,075$515
24 years$5,619$4,335$3,305$2,494$1,865$430
25 years$5,337$4,068$3,061$2,277$1,678$359
26 years$5,077$3,823$2,839$2,082$1,512$299
27 years$4,836$3,598$2,636$1,906$1,363$250
28 years$4,614$3,391$2,451$1,746$1,230$209
29 years$4,407$3,199$2,280$1,601$1,111$174
30 years$4,214$3,021$2,124$1,470$1,003$146
31 years$4,034$2,856$1,980$1,350$907$122
32 years$3,865$2,702$1,848$1,240$821$102
33 years$3,707$2,559$1,725$1,141$743$85
34 years$3,559$2,425$1,612$1,050$672$71
35 years$3,419$2,300$1,507$966$609$59
36 years$3,288$2,183$1,410$890$552$50
37 years$3,164$2,074$1,320$820$500$41
38 years$3,046$1,971$1,236$756$453$35
39 years$2,935$1,874$1,158$697$411$29
40 years$2,830$1,783$1,085$643$373$24
41 years$2,730$1,697$1,017$593$338$20
42 years$2,635$1,616$954$547$307$17
43 years$2,545$1,540$896$505$279$14
44 years$2,459$1,468$841$466$253$12
45 years$2,378$1,400$789$431$230$10
46 years$2,300$1,335$741$398$208$8
47 years$2,225$1,274$697$368$189$7
48 years$2,154$1,217$655$340$172$6
49 years$2,086$1,162$615$314$156$5
50 years$2,021$1,110$578$290$142$4

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 $4,512 every year, while hoping to spend $42,169 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: 52/31/17 Blend
51$2,070,000$2,070,000$2,070,000$2,070,000
52$2,285,794$2,176,084$2,143,999$2,393,838
53$2,474,078$2,237,845$2,170,956$2,530,213
54$2,680,153$2,301,218$2,197,402$2,673,662
55$2,905,790$2,366,239$2,223,276$2,828,759
56$3,152,938$2,432,943$2,248,513$2,996,621
57$3,423,744$2,501,363$2,273,045$3,178,478
58$3,720,572$2,571,537$2,296,799$3,375,684
59$4,046,027$2,643,498$2,319,697$3,589,729
60$4,402,975$2,717,283$2,341,661$3,822,253
61$4,794,576$2,792,927$2,362,604$4,075,065
62$5,224,309$2,870,467$2,382,438$4,350,152
63$5,696,007$2,949,938$2,401,067$4,649,708
64$6,213,890$3,031,376$2,418,394$4,976,146
65$6,782,610$3,114,816$2,434,313$5,332,122
66$7,407,288$3,200,294$2,448,714$5,720,567
67$8,093,568$3,287,846$2,461,483$6,144,703
68$8,847,668$3,377,505$2,472,498$6,608,085
69$9,676,434$3,469,308$2,481,632$7,114,626
70$10,587,414$3,563,287$2,488,750$7,668,637
71$11,588,919$3,659,477$2,493,712$8,274,869
72$12,690,108$3,757,910$2,496,370$8,938,553
73$13,901,070$3,858,619$2,496,569$9,665,456
74$15,232,922$3,961,634$2,494,148$10,461,929
75$16,697,912$4,066,987$2,488,934$11,334,971
76$18,309,536$4,174,705$2,480,749$12,292,293
77$20,082,660$4,284,818$2,469,406$13,342,392
78$22,033,668$4,397,351$2,454,708$14,494,630
79$24,180,610$4,512,329$2,436,449$15,759,322
80$26,543,375$4,629,775$2,414,412$17,147,835
81$29,143,876$4,749,711$2,388,372$18,672,695
82$32,006,261$4,872,156$2,358,092$20,347,703
83$35,157,135$4,997,127$2,323,323$22,188,066
84$38,625,814$5,124,638$2,283,806$24,210,545
85$42,444,602$5,254,700$2,239,268$26,433,607
86$46,649,093$5,387,322$2,189,425$28,877,601
87$51,278,509$5,522,510$2,133,980$31,564,952
88$56,376,069$5,660,265$2,072,621$34,520,374
89$61,989,396$5,800,585$2,005,021$37,771,098
90$68,170,965$5,943,465$1,930,840$41,347,133
91$74,978,602$6,088,893$1,849,721$45,281,550
92$82,476,024$6,236,854$1,761,292$49,610,792
93$90,733,447$6,387,328$1,665,164$54,375,019
94$99,828,240$6,540,289$1,560,928$59,618,488
95$109,845,661$6,695,704$1,448,160$65,389,970
96$120,879,660$6,853,535$1,326,415$71,743,212
97$133,033,764$7,013,736$1,195,228$78,737,444
98$146,422,054$7,176,256$1,054,115$86,437,935
99$161,170,244$7,341,032$902,568$94,916,617
100$177,416,863$7,507,996$740,057$104,252,757