Can I retire at age 52 with 2,080,000?

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 $2,080,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.1%
1 years$171,764$170,234$168,742$167,285$165,862$163,047
2 years$85,032$83,448$81,913$80,425$78,982$76,155
3 years$56,125$54,534$53,003$51,529$50,109$47,358
4 years$41,674$40,089$38,573$37,124$35,738$33,084
5 years$33,006$31,430$29,934$28,515$27,168$24,618
6 years$27,229$25,665$24,191$22,803$21,497$19,054
7 years$23,104$21,553$20,103$18,748$17,483$15,148
8 years$20,012$18,475$17,049$15,727$14,504$12,276
9 years$17,609$16,086$14,684$13,396$12,214$10,093
10 years$15,687$14,179$12,802$11,548$10,407$8,391
11 years$14,115$12,623$11,271$10,050$8,950$7,037
12 years$12,807$11,329$10,003$8,815$7,756$5,942
13 years$11,700$10,239$8,937$7,782$6,764$5,047
14 years$10,753$9,307$8,030$6,908$5,929$4,306
15 years$9,932$8,502$7,250$6,161$5,220$3,689
16 years$9,215$7,800$6,573$5,517$4,614$3,170
17 years$8,583$7,184$5,981$4,957$4,091$2,732
18 years$8,022$6,638$5,460$4,467$3,637$2,360
19 years$7,520$6,152$4,998$4,036$3,242$2,042
20 years$7,069$5,717$4,587$3,656$2,896$1,770
21 years$6,662$5,325$4,219$3,318$2,591$1,537
22 years$6,292$4,971$3,889$3,016$2,323$1,336
23 years$5,955$4,649$3,591$2,747$2,085$1,162
24 years$5,646$4,356$3,321$2,506$1,874$1,012
25 years$5,363$4,088$3,076$2,288$1,686$883
26 years$5,101$3,842$2,852$2,092$1,519$770
27 years$4,860$3,616$2,649$1,915$1,370$672
28 years$4,636$3,407$2,462$1,755$1,236$587
29 years$4,428$3,214$2,291$1,609$1,116$513
30 years$4,234$3,035$2,134$1,477$1,008$448
31 years$4,053$2,869$1,990$1,356$912$392
32 years$3,884$2,715$1,857$1,246$825$343
33 years$3,725$2,571$1,733$1,146$746$300
34 years$3,576$2,437$1,620$1,055$676$262
35 years$3,436$2,311$1,514$971$612$230
36 years$3,304$2,194$1,417$894$554$201
37 years$3,179$2,084$1,326$824$503$176
38 years$3,061$1,980$1,242$759$456$154
39 years$2,949$1,883$1,163$700$413$135
40 years$2,844$1,791$1,090$646$375$118
41 years$2,743$1,705$1,022$596$340$103
42 years$2,648$1,624$959$550$309$91
43 years$2,558$1,547$900$508$280$79
44 years$2,471$1,475$845$469$254$70
45 years$2,389$1,407$793$433$231$61
46 years$2,311$1,342$745$400$209$53
47 years$2,236$1,280$700$369$190$47
48 years$2,165$1,222$658$341$173$41
49 years$2,096$1,167$618$315$157$36
50 years$2,031$1,115$581$292$143$31

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,080,000, adding $5,334 every year, while hoping to spend $27,215 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: 71/10/19 Blend
51$2,080,000$2,080,000$2,080,000$2,080,000
52$2,297,662$2,187,422$2,155,182$2,449,939
53$2,503,067$2,265,649$2,198,424$2,630,233
54$2,728,511$2,346,797$2,242,203$2,823,810
55$2,976,010$2,430,981$2,286,507$3,035,068
56$3,247,783$2,518,319$2,331,325$3,265,752
57$3,546,275$2,608,935$2,376,643$3,517,787
58$3,874,182$2,702,959$2,422,447$3,793,291
59$4,234,469$2,800,526$2,468,720$4,094,598
60$4,630,408$2,901,774$2,515,445$4,424,276
61$5,065,599$3,006,850$2,562,601$4,785,155
62$5,544,010$3,115,906$2,610,168$5,180,352
63$6,070,013$3,229,099$2,658,123$5,613,299
64$6,648,425$3,346,596$2,706,441$6,087,777
65$7,284,552$3,468,567$2,755,095$6,607,952
66$7,984,241$3,595,191$2,804,054$7,178,410
67$8,753,932$3,726,654$2,853,289$7,804,205
68$9,600,724$3,863,151$2,902,766$8,490,904
69$10,532,437$4,004,884$2,952,447$9,244,639
70$11,557,686$4,152,064$3,002,294$10,072,167
71$12,685,965$4,304,910$3,052,266$10,980,931
72$13,927,734$4,463,652$3,102,318$11,979,130
73$15,294,520$4,628,527$3,152,402$13,075,798
74$16,799,022$4,799,786$3,202,469$14,280,889
75$18,455,233$4,977,687$3,252,462$15,605,367
76$20,278,573$5,162,500$3,302,327$17,061,314
77$22,286,033$5,354,507$3,352,000$18,662,042
78$24,496,333$5,554,003$3,401,417$20,422,217
79$26,930,104$5,761,294$3,450,509$22,357,998
80$29,610,076$5,976,699$3,499,202$24,487,191
81$32,561,298$6,200,552$3,547,420$26,829,412
82$35,811,371$6,433,199$3,595,079$29,406,280
83$39,390,709$6,675,004$3,642,092$32,241,610
84$43,332,827$6,926,345$3,688,368$35,361,648
85$47,674,655$7,187,616$3,733,808$38,795,312
86$52,456,890$7,459,228$3,778,310$42,574,464
87$57,724,373$7,741,612$3,821,765$46,734,216
88$63,526,522$8,035,213$3,864,056$51,313,256
89$69,917,789$8,340,501$3,905,064$56,354,214
90$76,958,180$8,657,961$3,944,660$61,904,066
91$84,713,817$8,988,104$3,982,709$68,014,576
92$93,257,565$9,331,460$4,019,068$74,742,781
93$102,669,717$9,688,582$4,053,588$82,151,534
94$113,038,756$10,060,050$4,086,110$90,310,094
95$124,462,183$10,446,467$4,116,469$99,294,781
96$137,047,444$10,848,462$4,144,490$109,189,693
97$150,912,941$11,266,695$4,169,988$120,087,504
98$166,189,148$11,701,850$4,192,769$132,090,334
99$183,019,846$12,154,645$4,212,631$145,310,715
100$201,563,476$12,625,828$4,229,360$159,872,652