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%15.1%
1 years$172,590$171,053$169,553$168,089$166,660$163,161
2 years$85,441$83,849$82,307$80,812$79,362$75,854
3 years$56,395$54,797$53,258$51,777$50,350$46,942
4 years$41,874$40,281$38,758$37,302$35,910$32,628
5 years$33,165$31,581$30,078$28,652$27,298$24,151
6 years$27,360$25,788$24,308$22,913$21,600$18,592
7 years$23,215$21,657$20,200$18,838$17,567$14,698
8 years$20,108$18,564$17,131$15,803$14,573$11,843
9 years$17,693$16,163$14,755$13,461$12,273$9,679
10 years$15,762$14,247$12,864$11,603$10,457$7,997
11 years$14,183$12,683$11,325$10,098$8,993$6,664
12 years$12,868$11,384$10,051$8,857$7,794$5,591
13 years$11,757$10,288$8,980$7,820$6,796$4,717
14 years$10,804$9,351$8,068$6,942$5,957$3,998
15 years$9,980$8,543$7,284$6,191$5,245$3,401
16 years$9,259$7,838$6,604$5,543$4,636$2,902
17 years$8,624$7,218$6,010$4,980$4,111$2,483
18 years$8,060$6,670$5,486$4,488$3,655$2,129
19 years$7,556$6,182$5,022$4,056$3,258$1,829
20 years$7,103$5,744$4,609$3,673$2,910$1,574
21 years$6,694$5,351$4,240$3,334$2,604$1,356
22 years$6,322$4,995$3,907$3,031$2,334$1,170
23 years$5,983$4,671$3,608$2,760$2,095$1,010
24 years$5,673$4,377$3,337$2,518$1,883$873
25 years$5,388$4,107$3,090$2,299$1,695$755
26 years$5,126$3,860$2,866$2,102$1,526$653
27 years$4,883$3,633$2,662$1,924$1,376$565
28 years$4,658$3,423$2,474$1,763$1,242$490
29 years$4,449$3,229$2,302$1,617$1,121$424
30 years$4,254$3,050$2,145$1,484$1,013$368
31 years$4,072$2,883$1,999$1,363$916$319
32 years$3,902$2,728$1,865$1,252$829$277
33 years$3,743$2,584$1,742$1,152$750$240
34 years$3,593$2,449$1,627$1,060$679$208
35 years$3,452$2,322$1,522$975$615$181
36 years$3,319$2,204$1,423$898$557$157
37 years$3,194$2,094$1,332$828$505$136
38 years$3,076$1,990$1,248$763$458$118
39 years$2,964$1,892$1,169$703$415$103
40 years$2,857$1,800$1,096$649$377$89
41 years$2,757$1,714$1,027$599$342$77
42 years$2,661$1,632$964$552$310$67
43 years$2,570$1,555$904$510$281$58
44 years$2,483$1,482$849$471$255$51
45 years$2,401$1,413$797$435$232$44
46 years$2,322$1,348$749$402$210$38
47 years$2,247$1,287$703$371$191$33
48 years$2,175$1,228$661$343$174$29
49 years$2,106$1,173$621$317$158$25
50 years$2,041$1,120$584$293$143$22

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 $4,853 every year, while hoping to spend $21,079 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: 44/47/9 Blend
51$2,090,000$2,090,000$2,090,000$2,090,000
52$2,308,186$2,197,416$2,165,021$2,403,609
53$2,521,193$2,282,661$2,215,121$2,555,527
54$2,755,220$2,371,377$2,266,193$2,717,542
55$3,012,390$2,463,712$2,318,248$2,892,656
56$3,295,039$2,559,819$2,371,294$3,082,078
57$3,605,742$2,659,860$2,425,342$3,287,137
58$3,947,338$2,764,003$2,480,401$3,509,294
59$4,322,952$2,872,424$2,536,480$3,750,151
60$4,736,027$2,985,307$2,593,586$4,011,469
61$5,190,358$3,102,843$2,651,728$4,295,185
62$5,690,125$3,225,234$2,710,911$4,603,423
63$6,239,935$3,352,687$2,771,144$4,938,522
64$6,844,862$3,485,422$2,832,431$5,303,050
65$7,510,498$3,623,668$2,894,777$5,699,833
66$8,243,003$3,767,663$2,958,187$6,131,975
67$9,049,167$3,917,656$3,022,664$6,602,891
68$9,936,469$4,073,908$3,088,210$7,116,337
69$10,913,151$4,236,691$3,154,827$7,676,444
70$11,988,294$4,406,291$3,222,515$8,287,755
71$13,171,905$4,583,003$3,291,274$8,955,269
72$14,475,009$4,767,141$3,361,102$9,684,486
73$15,909,756$4,959,027$3,431,995$10,481,457
74$17,489,534$5,159,002$3,503,950$11,352,839
75$19,229,095$5,367,421$3,576,960$12,305,961
76$21,144,692$5,584,654$3,651,018$13,348,886
77$23,254,239$5,811,091$3,726,115$14,490,491
78$25,577,473$6,047,135$3,802,241$15,740,544
79$28,136,142$6,293,212$3,879,384$17,109,798
80$30,954,213$6,549,764$3,957,528$18,610,094
81$34,058,095$6,817,255$4,036,657$20,254,461
82$37,476,890$7,096,170$4,116,754$22,057,249
83$41,242,665$7,387,014$4,197,798$24,034,255
84$45,390,758$7,690,319$4,279,765$26,202,871
85$49,960,109$8,006,638$4,362,631$28,582,252
86$54,993,627$8,336,550$4,446,366$31,193,485
87$60,538,598$8,680,663$4,530,940$34,059,794
88$66,647,129$9,039,608$4,616,320$37,206,755
89$73,376,637$9,414,051$4,702,469$40,662,532
90$80,790,398$9,804,683$4,789,345$44,458,143
91$88,958,137$10,212,231$4,876,906$48,627,752
92$97,956,689$10,637,452$4,965,105$53,208,984
93$107,870,726$11,081,142$5,053,890$58,243,280
94$118,793,551$11,544,129$5,143,207$63,776,288
95$130,827,986$12,027,284$5,232,997$69,858,284
96$144,087,333$12,531,514$5,323,195$76,544,651
97$158,696,453$13,057,770$5,413,734$83,896,393
98$174,792,938$13,607,047$5,504,541$91,980,710
99$192,528,412$14,180,387$5,595,538$100,871,626
100$212,069,962$14,778,878$5,686,640$110,650,690