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%11.9%
1 years$173,416$171,871$170,364$168,893$167,457$166,123
2 years$85,850$84,251$82,701$81,199$79,741$78,397
3 years$56,665$55,059$53,513$52,025$50,591$49,278
4 years$42,075$40,474$38,944$37,481$36,082$34,810
5 years$33,323$31,732$30,222$28,789$27,429$26,201
6 years$27,491$25,912$24,424$23,023$21,704$20,522
7 years$23,327$21,761$20,296$18,928$17,651$16,517
8 years$20,205$18,653$17,213$15,878$14,643$13,556
9 years$17,778$16,241$14,825$13,525$12,332$11,291
10 years$15,837$14,315$12,925$11,659$10,507$9,512
11 years$14,251$12,744$11,379$10,146$9,037$8,087
12 years$12,930$11,438$10,099$8,900$7,831$6,926
13 years$11,813$10,337$9,023$7,857$6,829$5,967
14 years$10,856$9,396$8,107$6,975$5,986$5,166
15 years$10,028$8,583$7,319$6,220$5,271$4,492
16 years$9,304$7,875$6,636$5,570$4,658$3,920
17 years$8,666$7,253$6,039$5,004$4,130$3,431
18 years$8,099$6,702$5,512$4,510$3,672$3,010
19 years$7,592$6,211$5,046$4,075$3,273$2,647
20 years$7,137$5,772$4,631$3,691$2,924$2,332
21 years$6,726$5,376$4,260$3,350$2,616$2,059
22 years$6,352$5,018$3,926$3,045$2,345$1,820
23 years$6,012$4,694$3,625$2,774$2,105$1,610
24 years$5,700$4,398$3,353$2,530$1,892$1,427
25 years$5,414$4,127$3,105$2,310$1,703$1,265
26 years$5,150$3,879$2,880$2,112$1,534$1,123
27 years$4,906$3,650$2,674$1,934$1,383$998
28 years$4,680$3,440$2,486$1,772$1,248$887
29 years$4,470$3,245$2,313$1,625$1,127$789
30 years$4,275$3,064$2,155$1,491$1,018$702
31 years$4,092$2,897$2,009$1,369$920$625
32 years$3,921$2,741$1,874$1,258$833$557
33 years$3,761$2,596$1,750$1,157$753$496
34 years$3,610$2,460$1,635$1,065$682$442
35 years$3,469$2,334$1,529$980$618$394
36 years$3,335$2,215$1,430$903$560$351
37 years$3,209$2,104$1,339$832$507$313
38 years$3,090$1,999$1,254$767$460$280
39 years$2,978$1,901$1,174$707$417$249
40 years$2,871$1,809$1,101$652$378$223
41 years$2,770$1,722$1,032$602$343$199
42 years$2,674$1,640$968$555$311$177
43 years$2,582$1,562$909$512$283$158
44 years$2,495$1,489$853$473$257$141
45 years$2,412$1,420$801$437$233$126
46 years$2,333$1,355$752$404$211$113
47 years$2,258$1,293$707$373$192$101
48 years$2,185$1,234$664$345$174$90
49 years$2,116$1,179$624$318$158$80
50 years$2,050$1,126$587$294$144$72

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 $2,457 every year, while hoping to spend $42,132 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: 44/40/16 Blend
51$2,100,000$2,100,000$2,100,000$2,100,000
52$2,316,734$2,205,434$2,172,884$2,407,870
53$2,508,213$2,268,673$2,200,848$2,535,180
54$2,717,811$2,333,597$2,228,336$2,668,697
55$2,947,331$2,400,247$2,255,289$2,812,511
56$3,198,759$2,468,660$2,281,642$2,967,592
57$3,474,284$2,538,875$2,307,328$3,135,007
58$3,776,313$2,610,932$2,332,275$3,315,927
59$4,107,500$2,684,871$2,356,410$3,511,644
60$4,470,768$2,760,733$2,379,652$3,723,579
61$4,869,334$2,838,557$2,401,919$3,953,295
62$5,306,745$2,918,384$2,423,121$4,202,515
63$5,786,904$3,000,257$2,443,168$4,473,133
64$6,314,115$3,084,215$2,461,960$4,767,238
65$6,893,114$3,170,302$2,479,395$5,087,127
66$7,529,123$3,258,558$2,495,366$5,435,331
67$8,227,891$3,349,025$2,509,759$5,814,638
68$8,995,754$3,441,745$2,522,454$6,228,116
69$9,839,691$3,536,760$2,533,325$6,679,147
70$10,767,389$3,634,111$2,542,242$7,171,454
71$11,787,320$3,733,840$2,549,065$7,709,140
72$12,908,817$3,835,988$2,553,648$8,296,723
73$14,142,161$3,940,596$2,555,840$8,939,180
74$15,498,680$4,047,704$2,555,479$9,641,995
75$16,990,855$4,157,352$2,552,398$10,411,209
76$18,632,439$4,269,578$2,546,419$11,253,477
77$20,438,582$4,384,423$2,537,359$12,176,132
78$22,425,980$4,501,921$2,525,023$13,187,251
79$24,613,026$4,622,112$2,509,207$14,295,737
80$27,019,988$4,745,029$2,489,699$15,511,396
81$29,669,198$4,870,706$2,466,275$16,845,033
82$32,585,262$4,999,177$2,438,701$18,308,556
83$35,795,294$5,130,471$2,406,732$19,915,083
84$39,329,168$5,264,618$2,370,112$21,679,071
85$43,219,804$5,401,646$2,328,572$23,616,448
86$47,503,476$5,541,578$2,281,831$25,744,767
87$52,220,152$5,684,437$2,229,594$28,083,370
88$57,413,876$5,830,243$2,171,554$30,653,569
89$63,133,179$5,979,013$2,107,389$33,478,849
90$69,431,538$6,130,759$2,036,761$36,585,093
91$76,367,881$6,285,493$1,959,319$40,000,818
92$84,007,143$6,443,219$1,874,694$43,757,452
93$92,420,876$6,603,941$1,782,500$47,889,627
94$101,687,927$6,767,656$1,682,336$52,435,507
95$111,895,181$6,934,357$1,573,780$57,437,149
96$123,138,380$7,104,032$1,456,392$62,940,899
97$135,523,028$7,276,662$1,329,714$68,997,829
98$149,165,382$7,452,223$1,193,265$75,664,222
99$164,193,555$7,630,686$1,046,543$83,002,102
100$180,748,720$7,812,013$889,025$91,079,819