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

Use the below retirement simulation to view the chances of a successful retirement.
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%13.2%
1 years$170,939$169,416$167,930$166,481$165,065$162,867
2 years$84,623$83,047$81,520$80,039$78,602$76,392
3 years$55,855$54,272$52,749$51,282$49,868$47,714
4 years$41,474$39,896$38,387$36,945$35,567$33,484
5 years$32,847$31,279$29,790$28,378$27,037$25,033
6 years$27,098$25,541$24,075$22,694$21,394$19,470
7 years$22,993$21,450$20,006$18,658$17,399$15,557
8 years$19,916$18,386$16,967$15,652$14,434$12,674
9 years$17,524$16,009$14,614$13,332$12,155$10,476
10 years$15,611$14,111$12,741$11,492$10,357$8,757
11 years$14,047$12,562$11,217$10,002$8,907$7,385
12 years$12,745$11,275$9,954$8,773$7,719$6,272
13 years$11,644$10,189$8,894$7,745$6,731$5,359
14 years$10,701$9,262$7,991$6,875$5,900$4,600
15 years$9,885$8,461$7,215$6,131$5,195$3,965
16 years$9,171$7,763$6,541$5,490$4,592$3,429
17 years$8,542$7,149$5,952$4,933$4,071$2,974
18 years$7,983$6,606$5,434$4,445$3,620$2,585
19 years$7,484$6,122$4,974$4,017$3,226$2,252
20 years$7,035$5,689$4,565$3,638$2,882$1,965
21 years$6,630$5,299$4,199$3,302$2,579$1,718
22 years$6,262$4,947$3,870$3,002$2,312$1,504
23 years$5,926$4,627$3,573$2,734$2,075$1,318
24 years$5,619$4,335$3,305$2,494$1,865$1,156
25 years$5,337$4,068$3,061$2,277$1,678$1,015
26 years$5,077$3,823$2,839$2,082$1,512$891
27 years$4,836$3,598$2,636$1,906$1,363$784
28 years$4,614$3,391$2,451$1,746$1,230$689
29 years$4,407$3,199$2,280$1,601$1,111$607
30 years$4,214$3,021$2,124$1,470$1,003$534
31 years$4,034$2,856$1,980$1,350$907$471
32 years$3,865$2,702$1,848$1,240$821$415
33 years$3,707$2,559$1,725$1,141$743$365
34 years$3,559$2,425$1,612$1,050$672$322
35 years$3,419$2,300$1,507$966$609$284
36 years$3,288$2,183$1,410$890$552$251
37 years$3,164$2,074$1,320$820$500$221
38 years$3,046$1,971$1,236$756$453$195
39 years$2,935$1,874$1,158$697$411$172
40 years$2,830$1,783$1,085$643$373$152
41 years$2,730$1,697$1,017$593$338$134
42 years$2,635$1,616$954$547$307$118
43 years$2,545$1,540$896$505$279$105
44 years$2,459$1,468$841$466$253$92
45 years$2,378$1,400$789$431$230$81
46 years$2,300$1,335$741$398$208$72
47 years$2,225$1,274$697$368$189$64
48 years$2,154$1,217$655$340$172$56
49 years$2,086$1,162$615$314$156$50
50 years$2,021$1,110$578$290$142$44

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 $3,256 every year, while hoping to spend $35,865 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: 80/9/11 Blend
51$2,070,000$2,070,000$2,070,000$2,070,000
52$2,284,499$2,174,789$2,142,704$2,462,628
53$2,479,357$2,243,193$2,176,324$2,648,419
54$2,692,890$2,313,747$2,209,869$2,847,252
55$2,926,962$2,386,519$2,243,297$3,064,392
56$3,183,632$2,461,577$2,276,567$3,301,655
57$3,465,162$2,538,995$2,309,632$3,561,038
58$3,774,047$2,618,844$2,342,443$3,844,743
59$4,113,035$2,701,203$2,374,950$4,155,191
60$4,485,152$2,786,149$2,407,099$4,495,054
61$4,893,732$2,873,764$2,438,830$4,867,271
62$5,342,446$2,964,132$2,470,084$5,275,080
63$5,835,339$3,057,339$2,500,796$5,722,049
64$6,376,869$3,153,474$2,530,898$6,212,107
65$6,971,944$3,252,628$2,560,318$6,749,582
66$7,625,973$3,354,897$2,588,979$7,339,244
67$8,344,913$3,460,379$2,616,801$7,986,345
68$9,135,330$3,569,173$2,643,700$8,696,672
69$10,004,456$3,681,384$2,669,585$9,476,601
70$10,960,258$3,797,120$2,694,364$10,333,157
71$12,011,515$3,916,489$2,717,936$11,274,077
72$13,167,899$4,039,607$2,740,197$12,307,889
73$14,440,068$4,166,591$2,761,036$13,443,985
74$15,839,763$4,297,562$2,780,339$14,692,716
75$17,379,922$4,432,645$2,797,983$16,065,486
76$19,074,798$4,571,969$2,813,840$17,574,858
77$20,940,099$4,715,667$2,827,775$19,234,678
78$22,993,130$4,863,876$2,839,646$21,060,199
79$25,252,960$5,016,737$2,849,305$23,068,229
80$27,740,600$5,174,395$2,856,596$25,277,288
81$30,479,203$5,337,002$2,861,353$27,707,781
82$33,494,279$5,504,712$2,863,405$30,382,196
83$36,813,937$5,677,685$2,862,571$33,325,308
84$40,469,153$5,856,086$2,858,662$36,564,418
85$44,494,057$6,040,085$2,851,477$40,129,609
86$48,926,258$6,229,856$2,840,809$44,054,033
87$53,807,199$6,425,582$2,826,439$48,374,215
88$59,182,546$6,627,447$2,808,137$53,130,407
89$65,102,618$6,835,645$2,785,662$58,366,963
90$71,622,867$7,050,373$2,758,763$64,132,758
91$78,804,394$7,271,836$2,727,177$70,481,649
92$86,714,531$7,500,245$2,690,626$77,472,985
93$95,427,472$7,735,816$2,648,821$85,172,163
94$105,024,977$7,978,774$2,601,460$93,651,250
95$115,597,141$8,229,350$2,548,225$102,989,659
96$127,243,244$8,487,783$2,488,784$113,274,901
97$140,072,687$8,754,317$2,422,791$124,603,409
98$154,206,029$9,029,206$2,349,882$137,081,449
99$169,776,118$9,312,711$2,269,678$150,826,122
100$186,929,351$9,605,102$2,181,780$165,966,473