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

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 $2,080,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.7%
1 years$171,764$170,234$168,742$167,285$165,862$163,994
2 years$85,032$83,448$81,913$80,425$78,982$77,101
3 years$56,125$54,534$53,003$51,529$50,109$48,274
4 years$41,674$40,089$38,573$37,124$35,738$33,963
5 years$33,006$31,430$29,934$28,515$27,168$25,458
6 years$27,229$25,665$24,191$22,803$21,497$19,854
7 years$23,104$21,553$20,103$18,748$17,483$15,908
8 years$20,012$18,475$17,049$15,727$14,504$12,997
9 years$17,609$16,086$14,684$13,396$12,214$10,774
10 years$15,687$14,179$12,802$11,548$10,407$9,034
11 years$14,115$12,623$11,271$10,050$8,950$7,642
12 years$12,807$11,329$10,003$8,815$7,756$6,512
13 years$11,700$10,239$8,937$7,782$6,764$5,581
14 years$10,753$9,307$8,030$6,908$5,929$4,807
15 years$9,932$8,502$7,250$6,161$5,220$4,157
16 years$9,215$7,800$6,573$5,517$4,614$3,608
17 years$8,583$7,184$5,981$4,957$4,091$3,140
18 years$8,022$6,638$5,460$4,467$3,637$2,739
19 years$7,520$6,152$4,998$4,036$3,242$2,395
20 years$7,069$5,717$4,587$3,656$2,896$2,098
21 years$6,662$5,325$4,219$3,318$2,591$1,841
22 years$6,292$4,971$3,889$3,016$2,323$1,617
23 years$5,955$4,649$3,591$2,747$2,085$1,423
24 years$5,646$4,356$3,321$2,506$1,874$1,253
25 years$5,363$4,088$3,076$2,288$1,686$1,104
26 years$5,101$3,842$2,852$2,092$1,519$974
27 years$4,860$3,616$2,649$1,915$1,370$860
28 years$4,636$3,407$2,462$1,755$1,236$759
29 years$4,428$3,214$2,291$1,609$1,116$671
30 years$4,234$3,035$2,134$1,477$1,008$593
31 years$4,053$2,869$1,990$1,356$912$525
32 years$3,884$2,715$1,857$1,246$825$464
33 years$3,725$2,571$1,733$1,146$746$411
34 years$3,576$2,437$1,620$1,055$676$364
35 years$3,436$2,311$1,514$971$612$322
36 years$3,304$2,194$1,417$894$554$285
37 years$3,179$2,084$1,326$824$503$253
38 years$3,061$1,980$1,242$759$456$224
39 years$2,949$1,883$1,163$700$413$198
40 years$2,844$1,791$1,090$646$375$176
41 years$2,743$1,705$1,022$596$340$156
42 years$2,648$1,624$959$550$309$138
43 years$2,558$1,547$900$508$280$123
44 years$2,471$1,475$845$469$254$109
45 years$2,389$1,407$793$433$231$96
46 years$2,311$1,342$745$400$209$85
47 years$2,236$1,280$700$369$190$76
48 years$2,165$1,222$658$341$173$67
49 years$2,096$1,167$618$315$157$60
50 years$2,031$1,115$581$292$143$53

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 $2,107 every year, while hoping to spend $56,838 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: 84/11/5 Blend
51$2,080,000$2,080,000$2,080,000$2,080,000
52$2,294,333$2,184,093$2,151,853$2,486,837
53$2,467,880$2,230,639$2,163,465$2,659,267
54$2,657,224$2,277,560$2,173,561$2,840,651
55$2,863,915$2,324,815$2,182,030$3,038,054
56$3,089,663$2,372,359$2,188,756$3,253,045
57$3,336,346$2,420,142$2,193,617$3,487,353
58$3,606,034$2,468,110$2,196,484$3,742,881
59$3,901,005$2,516,203$2,197,222$4,021,725
60$4,223,770$2,564,359$2,195,691$4,326,191
61$4,577,089$2,612,507$2,191,741$4,658,823
62$4,964,005$2,660,573$2,185,218$5,022,420
63$5,387,869$2,708,476$2,175,958$5,420,064
64$5,852,369$2,756,129$2,163,790$5,855,153
65$6,361,568$2,803,437$2,148,534$6,331,428
66$6,919,942$2,850,300$2,130,004$6,853,010
67$7,532,419$2,896,608$2,108,003$7,424,439
68$8,204,428$2,942,244$2,082,323$8,050,716
69$8,941,949$2,987,083$2,052,750$8,737,351
70$9,751,568$3,030,990$2,019,057$9,490,415
71$10,640,540$3,073,821$1,981,008$10,316,594
72$11,616,859$3,115,421$1,938,355$11,223,258
73$12,689,328$3,155,626$1,890,839$12,218,523
74$13,867,646$3,194,259$1,838,190$13,311,335
75$15,162,500$3,231,131$1,780,122$14,511,548
76$16,585,659$3,266,041$1,716,341$15,830,020
77$18,150,094$3,298,774$1,646,535$17,278,716
78$19,870,090$3,329,101$1,570,381$18,870,818
79$21,761,390$3,356,778$1,487,540$20,620,853
80$23,841,335$3,381,544$1,397,656$22,544,825
81$26,129,034$3,403,122$1,300,360$24,660,373
82$28,645,539$3,421,218$1,195,266$26,986,929
83$31,414,044$3,435,518$1,081,967$29,545,909
84$34,460,107$3,445,689$960,044$32,360,910
85$37,811,886$3,451,376$829,053$35,457,934
86$41,500,407$3,452,202$688,535$38,865,634
87$45,559,856$3,447,767$538,008$42,615,587
88$50,027,900$3,437,647$376,971$46,742,584
89$54,946,045$3,421,390$204,898$51,284,968
90$60,360,023$3,398,519$21,243$56,284,988
91$66,320,224$3,368,526$0$61,789,205
92$72,882,176$3,330,873$0$67,858,248
93$80,107,062$3,284,989$0$74,541,147
94$88,062,299$3,230,271$0$81,899,108
95$96,822,177$3,166,077$0$90,000,823
96$106,468,554$3,091,730$0$98,921,990
97$117,091,632$3,006,511$0$108,746,025
98$128,790,809$2,909,659$0$119,564,849
99$141,675,610$2,800,371$0$131,479,757
100$155,866,726$2,677,794$0$144,602,372