Can I retire at age 52 with 2,090,000?

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 $2,090,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.5%
1 years$172,590$171,053$169,553$168,089$166,660$162,895
2 years$85,441$83,849$82,307$80,812$79,362$75,589
3 years$56,395$54,797$53,258$51,777$50,350$46,688
4 years$41,874$40,281$38,758$37,302$35,910$32,386
5 years$33,165$31,581$30,078$28,652$27,298$23,922
6 years$27,360$25,788$24,308$22,913$21,600$18,375
7 years$23,215$21,657$20,200$18,838$17,567$14,494
8 years$20,108$18,564$17,131$15,803$14,573$11,651
9 years$17,693$16,163$14,755$13,461$12,273$9,499
10 years$15,762$14,247$12,864$11,603$10,457$7,829
11 years$14,183$12,683$11,325$10,098$8,993$6,508
12 years$12,868$11,384$10,051$8,857$7,794$5,446
13 years$11,757$10,288$8,980$7,820$6,796$4,583
14 years$10,804$9,351$8,068$6,942$5,957$3,873
15 years$9,980$8,543$7,284$6,191$5,245$3,286
16 years$9,259$7,838$6,604$5,543$4,636$2,796
17 years$8,624$7,218$6,010$4,980$4,111$2,385
18 years$8,060$6,670$5,486$4,488$3,655$2,039
19 years$7,556$6,182$5,022$4,056$3,258$1,747
20 years$7,103$5,744$4,609$3,673$2,910$1,498
21 years$6,694$5,351$4,240$3,334$2,604$1,287
22 years$6,322$4,995$3,907$3,031$2,334$1,107
23 years$5,983$4,671$3,608$2,760$2,095$953
24 years$5,673$4,377$3,337$2,518$1,883$821
25 years$5,388$4,107$3,090$2,299$1,695$707
26 years$5,126$3,860$2,866$2,102$1,526$610
27 years$4,883$3,633$2,662$1,924$1,376$527
28 years$4,658$3,423$2,474$1,763$1,242$455
29 years$4,449$3,229$2,302$1,617$1,121$393
30 years$4,254$3,050$2,145$1,484$1,013$339
31 years$4,072$2,883$1,999$1,363$916$293
32 years$3,902$2,728$1,865$1,252$829$253
33 years$3,743$2,584$1,742$1,152$750$219
34 years$3,593$2,449$1,627$1,060$679$190
35 years$3,452$2,322$1,522$975$615$164
36 years$3,319$2,204$1,423$898$557$142
37 years$3,194$2,094$1,332$828$505$123
38 years$3,076$1,990$1,248$763$458$106
39 years$2,964$1,892$1,169$703$415$92
40 years$2,857$1,800$1,096$649$377$79
41 years$2,757$1,714$1,027$599$342$69
42 years$2,661$1,632$964$552$310$60
43 years$2,570$1,555$904$510$281$52
44 years$2,483$1,482$849$471$255$45
45 years$2,401$1,413$797$435$232$39
46 years$2,322$1,348$749$402$210$33
47 years$2,247$1,287$703$371$191$29
48 years$2,175$1,228$661$343$174$25
49 years$2,106$1,173$621$317$158$22
50 years$2,041$1,120$584$293$143$19

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,090,000, adding $4,795 every year, while hoping to spend $34,666 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: 64/16/20 Blend
51$2,090,000$2,090,000$2,090,000$2,090,000
52$2,308,126$2,197,356$2,164,961$2,443,782
53$2,506,671$2,268,142$2,200,603$2,606,398
54$2,724,305$2,341,235$2,236,277$2,779,626
55$2,962,939$2,416,711$2,271,947$2,968,066
56$3,224,678$2,494,649$2,307,577$3,173,210
57$3,511,839$2,575,130$2,343,125$3,396,697
58$3,826,975$2,658,240$2,378,548$3,640,332
59$4,172,899$2,744,066$2,413,801$3,906,105
60$4,552,707$2,832,698$2,448,836$4,196,206
61$4,969,812$2,924,229$2,483,601$4,513,045
62$5,427,973$3,018,756$2,518,041$4,859,280
63$5,931,330$3,116,379$2,552,100$5,237,835
64$6,484,445$3,217,201$2,585,714$5,651,933
65$7,092,344$3,321,329$2,618,821$6,105,122
66$7,760,562$3,428,874$2,651,351$6,601,312
67$8,495,200$3,539,949$2,683,232$7,144,809
68$9,302,978$3,654,674$2,714,388$7,740,357
69$10,191,299$3,773,170$2,744,737$8,393,181
70$11,168,320$3,895,564$2,774,194$9,109,038
71$12,243,029$4,021,987$2,802,670$9,894,271
72$13,425,328$4,152,575$2,830,070$10,755,866
73$14,726,127$4,287,466$2,856,292$11,701,521
74$16,157,446$4,426,807$2,881,233$12,739,717
75$17,732,532$4,570,747$2,904,781$13,879,798
76$19,465,979$4,719,441$2,926,819$15,132,058
77$21,373,865$4,873,051$2,947,224$16,507,841
78$23,473,910$5,031,741$2,965,867$18,019,644
79$25,785,637$5,195,685$2,982,612$19,681,238
80$28,330,558$5,365,059$2,997,315$21,507,794
81$31,132,377$5,540,049$3,009,827$23,516,032
82$34,217,212$5,720,844$3,019,989$25,724,371
83$37,613,845$5,907,642$3,027,635$28,153,108
84$41,353,988$6,100,647$3,032,592$30,824,610
85$45,472,586$6,300,071$3,034,676$33,763,520
86$50,008,148$6,506,132$3,033,695$36,996,993
87$55,003,103$6,719,057$3,029,448$40,554,953
88$60,504,209$6,939,080$3,021,724$44,470,371
89$66,562,987$7,166,444$3,010,301$48,779,581
90$73,236,213$7,401,401$2,994,946$53,522,618
91$80,586,447$7,644,210$2,975,417$58,743,599
92$88,682,629$7,895,141$2,951,459$64,491,140
93$97,600,728$8,154,473$2,922,803$70,818,811
94$107,424,455$8,422,495$2,889,170$77,785,643
95$118,246,059$8,699,507$2,850,266$85,456,686
96$130,167,192$8,985,818$2,805,785$93,903,624
97$143,299,872$9,281,749$2,755,405$103,205,448
98$157,767,537$9,587,633$2,698,790$113,449,203
99$173,706,213$9,903,814$2,635,587$124,730,811
100$191,265,795$10,230,650$2,565,427$137,155,974