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%12.9%
1 years$170,939$169,416$167,930$166,481$165,065$163,070
2 years$84,623$83,047$81,520$80,039$78,602$76,594
3 years$55,855$54,272$52,749$51,282$49,868$47,910
4 years$41,474$39,896$38,387$36,945$35,567$33,673
5 years$32,847$31,279$29,790$28,378$27,037$25,214
6 years$27,098$25,541$24,075$22,694$21,394$19,643
7 years$22,993$21,450$20,006$18,658$17,399$15,721
8 years$19,916$18,386$16,967$15,652$14,434$12,829
9 years$17,524$16,009$14,614$13,332$12,155$10,623
10 years$15,611$14,111$12,741$11,492$10,357$8,896
11 years$14,047$12,562$11,217$10,002$8,907$7,516
12 years$12,745$11,275$9,954$8,773$7,719$6,396
13 years$11,644$10,189$8,894$7,745$6,731$5,475
14 years$10,701$9,262$7,991$6,875$5,900$4,710
15 years$9,885$8,461$7,215$6,131$5,195$4,067
16 years$9,171$7,763$6,541$5,490$4,592$3,525
17 years$8,542$7,149$5,952$4,933$4,071$3,063
18 years$7,983$6,606$5,434$4,445$3,620$2,669
19 years$7,484$6,122$4,974$4,017$3,226$2,330
20 years$7,035$5,689$4,565$3,638$2,882$2,038
21 years$6,630$5,299$4,199$3,302$2,579$1,786
22 years$6,262$4,947$3,870$3,002$2,312$1,566
23 years$5,926$4,627$3,573$2,734$2,075$1,376
24 years$5,619$4,335$3,305$2,494$1,865$1,209
25 years$5,337$4,068$3,061$2,277$1,678$1,064
26 years$5,077$3,823$2,839$2,082$1,512$937
27 years$4,836$3,598$2,636$1,906$1,363$826
28 years$4,614$3,391$2,451$1,746$1,230$728
29 years$4,407$3,199$2,280$1,601$1,111$643
30 years$4,214$3,021$2,124$1,470$1,003$567
31 years$4,034$2,856$1,980$1,350$907$501
32 years$3,865$2,702$1,848$1,240$821$442
33 years$3,707$2,559$1,725$1,141$743$391
34 years$3,559$2,425$1,612$1,050$672$345
35 years$3,419$2,300$1,507$966$609$305
36 years$3,288$2,183$1,410$890$552$270
37 years$3,164$2,074$1,320$820$500$239
38 years$3,046$1,971$1,236$756$453$211
39 years$2,935$1,874$1,158$697$411$187
40 years$2,830$1,783$1,085$643$373$165
41 years$2,730$1,697$1,017$593$338$146
42 years$2,635$1,616$954$547$307$130
43 years$2,545$1,540$896$505$279$115
44 years$2,459$1,468$841$466$253$102
45 years$2,378$1,400$789$431$230$90
46 years$2,300$1,335$741$398$208$80
47 years$2,225$1,274$697$368$189$70
48 years$2,154$1,217$655$340$172$62
49 years$2,086$1,162$615$314$156$55
50 years$2,021$1,110$578$290$142$49

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 $4,100 every year, while hoping to spend $58,214 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: 78/13/9 Blend
51$2,070,000$2,070,000$2,070,000$2,070,000
52$2,285,369$2,175,659$2,143,574$2,460,115
53$2,456,538$2,220,327$2,153,445$2,620,139
54$2,643,214$2,265,233$2,161,695$2,787,664
55$2,846,919$2,310,326$2,168,209$2,969,695
56$3,069,326$2,355,554$2,172,865$3,167,652
57$3,312,277$2,400,856$2,175,536$3,383,100
58$3,577,800$2,446,169$2,176,087$3,617,760
59$3,868,129$2,491,424$2,174,379$3,873,530
60$4,185,720$2,536,546$2,170,263$4,152,499
61$4,533,282$2,581,455$2,163,585$4,456,968
62$4,913,795$2,626,064$2,154,183$4,789,472
63$5,330,541$2,670,280$2,141,887$5,152,806
64$5,787,134$2,714,002$2,126,518$5,550,044
65$6,287,555$2,757,122$2,107,890$5,984,578
66$6,836,189$2,799,524$2,085,808$6,460,142
67$7,437,863$2,841,083$2,060,065$6,980,850
68$8,097,896$2,881,667$2,030,448$7,551,235
69$8,822,146$2,921,133$1,996,733$8,176,294
70$9,617,064$2,959,328$1,958,683$8,861,528
71$10,489,759$2,996,089$1,916,053$9,613,003
72$11,448,058$3,031,242$1,868,585$10,437,401
73$12,500,587$3,064,600$1,816,009$11,342,085
74$13,656,846$3,095,964$1,758,045$12,335,167
75$14,927,302$3,125,123$1,694,396$13,425,588
76$16,323,483$3,151,851$1,624,755$14,623,201
77$17,858,093$3,175,907$1,548,799$15,938,860
78$19,545,127$3,197,034$1,466,192$17,384,529
79$21,400,001$3,214,960$1,376,581$18,973,391
80$23,439,703$3,229,395$1,279,598$20,719,973
81$25,682,946$3,240,029$1,174,858$22,640,284
82$28,150,351$3,246,535$1,061,960$24,751,966
83$30,864,635$3,248,563$940,484$27,074,461
84$33,850,829$3,245,744$809,991$29,629,191
85$37,136,512$3,237,684$670,024$32,439,768
86$40,752,071$3,223,964$520,104$35,532,210
87$44,730,987$3,204,144$359,733$38,935,190
88$49,110,152$3,177,751$188,388$42,680,307
89$53,930,214$3,144,288$5,526$46,802,382
90$59,235,965$3,103,227$0$51,339,790
91$65,076,755$3,054,007$0$56,353,031
92$71,506,966$2,996,034$0$61,872,251
93$78,586,518$2,928,682$0$67,948,340
94$86,381,438$2,851,283$0$74,637,959
95$94,964,482$2,763,133$0$82,003,551
96$104,415,818$2,663,486$0$90,113,924
97$114,823,787$2,551,552$0$99,044,903
98$126,285,732$2,426,497$0$108,880,047
99$138,908,918$2,287,436$0$119,711,437
100$152,811,543$2,133,436$0$131,640,543