Can I retire at age 52 with 2,100,000?

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 $2,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.4%
1 years$173,416$171,871$170,364$168,893$167,457$161,131
2 years$85,850$84,251$82,701$81,199$79,741$73,442
3 years$56,665$55,059$53,513$52,025$50,591$44,516
4 years$42,075$40,474$38,944$37,481$36,082$30,277
5 years$33,323$31,732$30,222$28,789$27,429$21,910
6 years$27,491$25,912$24,424$23,023$21,704$16,474
7 years$23,327$21,761$20,296$18,928$17,651$12,709
8 years$20,205$18,653$17,213$15,878$14,643$9,984
9 years$17,778$16,241$14,825$13,525$12,332$7,950
10 years$15,837$14,315$12,925$11,659$10,507$6,394
11 years$14,251$12,744$11,379$10,146$9,037$5,183
12 years$12,930$11,438$10,099$8,900$7,831$4,227
13 years$11,813$10,337$9,023$7,857$6,829$3,464
14 years$10,856$9,396$8,107$6,975$5,986$2,850
15 years$10,028$8,583$7,319$6,220$5,271$2,352
16 years$9,304$7,875$6,636$5,570$4,658$1,946
17 years$8,666$7,253$6,039$5,004$4,130$1,613
18 years$8,099$6,702$5,512$4,510$3,672$1,340
19 years$7,592$6,211$5,046$4,075$3,273$1,115
20 years$7,137$5,772$4,631$3,691$2,924$928
21 years$6,726$5,376$4,260$3,350$2,616$774
22 years$6,352$5,018$3,926$3,045$2,345$645
23 years$6,012$4,694$3,625$2,774$2,105$539
24 years$5,700$4,398$3,353$2,530$1,892$450
25 years$5,414$4,127$3,105$2,310$1,703$376
26 years$5,150$3,879$2,880$2,112$1,534$314
27 years$4,906$3,650$2,674$1,934$1,383$263
28 years$4,680$3,440$2,486$1,772$1,248$220
29 years$4,470$3,245$2,313$1,625$1,127$184
30 years$4,275$3,064$2,155$1,491$1,018$154
31 years$4,092$2,897$2,009$1,369$920$129
32 years$3,921$2,741$1,874$1,258$833$108
33 years$3,761$2,596$1,750$1,157$753$90
34 years$3,610$2,460$1,635$1,065$682$75
35 years$3,469$2,334$1,529$980$618$63
36 years$3,335$2,215$1,430$903$560$53
37 years$3,209$2,104$1,339$832$507$44
38 years$3,090$1,999$1,254$767$460$37
39 years$2,978$1,901$1,174$707$417$31
40 years$2,871$1,809$1,101$652$378$26
41 years$2,770$1,722$1,032$602$343$22
42 years$2,674$1,640$968$555$311$18
43 years$2,582$1,562$909$512$283$15
44 years$2,495$1,489$853$473$257$13
45 years$2,412$1,420$801$437$233$11
46 years$2,333$1,355$752$404$211$9
47 years$2,258$1,293$707$373$192$8
48 years$2,185$1,234$664$345$174$6
49 years$2,116$1,179$624$318$158$5
50 years$2,050$1,126$587$294$144$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,100,000, adding $5,402 every year, while hoping to spend $43,006 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: 63/8/29 Blend
51$2,100,000$2,100,000$2,100,000$2,100,000
52$2,319,772$2,208,472$2,175,922$2,447,582
53$2,510,631$2,270,929$2,203,058$2,597,461
54$2,719,516$2,335,005$2,229,661$2,755,944
55$2,948,220$2,400,734$2,255,668$2,928,151
56$3,198,719$2,468,151$2,281,013$3,115,435
57$3,473,186$2,537,288$2,305,625$3,319,289
58$3,774,018$2,608,182$2,329,430$3,541,356
59$4,103,851$2,680,866$2,352,349$3,783,446
60$4,465,591$2,755,376$2,374,300$4,047,554
61$4,862,438$2,831,745$2,395,196$4,335,880
62$5,297,915$2,910,010$2,414,944$4,650,845
63$5,775,906$2,990,204$2,433,448$4,995,120
64$6,300,687$3,072,362$2,450,606$5,371,644
65$6,876,967$3,156,518$2,466,312$5,783,661
66$7,509,937$3,242,707$2,480,453$6,234,741
67$8,205,313$3,330,962$2,492,911$6,728,820
68$8,969,393$3,421,316$2,503,560$7,270,238
69$9,809,113$3,513,803$2,512,272$7,863,773
70$10,732,117$3,608,454$2,518,907$8,514,694
71$11,746,825$3,705,301$2,523,323$9,228,806
72$12,862,515$3,804,374$2,525,368$10,012,508
73$14,089,406$3,905,703$2,524,883$10,872,851
74$15,438,761$4,009,318$2,521,701$11,817,604
75$16,922,985$4,115,245$2,515,649$12,855,332
76$18,555,748$4,223,510$2,506,542$13,995,472
77$20,352,111$4,334,140$2,494,188$15,248,426
78$22,328,670$4,447,155$2,478,386$16,625,656
79$24,503,707$4,562,579$2,458,926$18,139,795
80$26,897,370$4,680,431$2,435,585$19,804,766
81$29,531,857$4,800,727$2,408,132$21,635,911
82$32,431,626$4,923,482$2,376,324$23,650,141
83$35,623,629$5,048,710$2,339,908$25,866,092
84$39,137,561$5,176,419$2,298,617$28,304,301
85$43,006,145$5,306,616$2,252,173$30,987,403
86$47,265,436$5,439,303$2,200,284$33,940,345
87$51,955,163$5,574,482$2,142,647$37,190,616
88$57,119,104$5,712,147$2,078,940$40,768,516
89$62,805,500$5,852,289$2,008,832$44,707,434
90$69,067,507$5,994,897$1,931,973$49,044,169
91$75,963,697$6,139,951$1,847,999$53,819,276
92$83,558,614$6,287,429$1,756,527$59,077,450
93$91,923,382$6,437,302$1,657,160$64,867,945
94$101,136,372$6,589,535$1,549,480$71,245,046
95$111,283,946$6,744,087$1,433,052$78,268,576
96$122,461,271$6,900,909$1,307,422$86,004,466
97$134,773,213$7,059,946$1,172,113$94,525,373
98$148,335,332$7,221,134$1,026,629$103,911,372
99$163,274,967$7,384,401$870,452$114,250,709
100$179,732,441$7,549,665$703,041$125,640,636