Can I retire at age 52 with 2,110,000?

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 $2,110,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.9%
1 years$174,242$172,690$171,176$169,698$168,254$163,524
2 years$86,258$84,652$83,095$81,585$80,121$75,391
3 years$56,934$55,321$53,768$52,273$50,832$46,251
4 years$42,275$40,667$39,129$37,659$36,254$31,857
5 years$33,482$31,883$30,366$28,926$27,560$23,359
6 years$27,622$26,035$24,540$23,132$21,807$17,806
7 years$23,438$21,864$20,393$19,018$17,735$13,934
8 years$20,301$18,742$17,295$15,954$14,713$11,110
9 years$17,862$16,318$14,896$13,589$12,390$8,982
10 years$15,913$14,383$12,987$11,714$10,557$7,338
11 years$14,319$12,805$11,433$10,195$9,080$6,045
12 years$12,991$11,493$10,147$8,942$7,868$5,013
13 years$11,869$10,386$9,065$7,895$6,861$4,179
14 years$10,908$9,441$8,145$7,008$6,014$3,498
15 years$10,076$8,624$7,354$6,250$5,296$2,939
16 years$9,348$7,913$6,668$5,596$4,680$2,476
17 years$8,707$7,287$6,067$5,028$4,150$2,091
18 years$8,137$6,734$5,539$4,531$3,690$1,769
19 years$7,629$6,241$5,070$4,094$3,289$1,499
20 years$7,171$5,799$4,653$3,708$2,938$1,273
21 years$6,758$5,402$4,280$3,365$2,629$1,082
22 years$6,383$5,042$3,945$3,060$2,356$920
23 years$6,041$4,716$3,642$2,787$2,115$783
24 years$5,728$4,419$3,369$2,542$1,901$667
25 years$5,440$4,147$3,120$2,321$1,711$569
26 years$5,175$3,897$2,894$2,122$1,541$485
27 years$4,930$3,668$2,687$1,943$1,389$414
28 years$4,703$3,456$2,498$1,780$1,254$353
29 years$4,492$3,260$2,324$1,632$1,132$302
30 years$4,295$3,079$2,165$1,498$1,023$258
31 years$4,111$2,911$2,019$1,376$925$220
32 years$3,940$2,754$1,883$1,264$837$188
33 years$3,779$2,608$1,758$1,163$757$161
34 years$3,627$2,472$1,643$1,070$685$137
35 years$3,485$2,345$1,536$985$621$117
36 years$3,351$2,225$1,437$907$562$100
37 years$3,225$2,114$1,345$836$510$86
38 years$3,105$2,009$1,260$770$462$73
39 years$2,992$1,910$1,180$710$419$63
40 years$2,885$1,817$1,106$655$380$54
41 years$2,783$1,730$1,037$604$345$46
42 years$2,686$1,647$973$558$313$39
43 years$2,594$1,570$913$515$284$34
44 years$2,507$1,496$857$475$258$29
45 years$2,424$1,427$805$439$234$25
46 years$2,344$1,361$756$406$212$21
47 years$2,268$1,299$710$375$193$18
48 years$2,196$1,240$667$346$175$15
49 years$2,126$1,184$627$320$159$13
50 years$2,060$1,131$590$296$145$11

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,110,000, adding $2,462 every year, while hoping to spend $37,620 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: 32/44/24 Blend
51$2,110,000$2,110,000$2,110,000$2,110,000
52$2,327,760$2,215,930$2,183,225$2,385,015
53$2,525,164$2,284,483$2,216,335$2,497,131
54$2,741,442$2,355,134$2,249,294$2,614,263
55$2,978,480$2,427,947$2,282,057$2,739,667
56$3,238,355$2,502,986$2,314,575$2,874,093
57$3,523,353$2,580,318$2,346,799$3,018,367
58$3,835,993$2,660,012$2,378,675$3,173,396
59$4,179,051$2,742,139$2,410,147$3,340,176
60$4,555,581$2,826,771$2,441,154$3,519,804
61$4,968,951$2,913,983$2,471,634$3,713,486
62$5,422,869$3,003,853$2,501,518$3,922,549
63$5,921,420$3,096,460$2,530,737$4,148,453
64$6,469,103$3,191,885$2,559,216$4,392,803
65$7,070,877$3,290,213$2,586,874$4,657,368
66$7,732,202$3,391,529$2,613,631$4,944,091
67$8,459,096$3,495,923$2,639,396$5,255,115
68$9,258,186$3,603,485$2,664,078$5,592,796
69$10,136,775$3,714,311$2,687,579$5,959,729
70$11,102,910$3,828,496$2,709,797$6,358,770
71$12,165,454$3,946,139$2,730,623$6,793,063
72$13,334,175$4,067,344$2,749,943$7,266,074
73$14,619,832$4,192,215$2,767,637$7,781,613
74$16,034,281$4,320,860$2,783,579$8,343,882
75$17,590,586$4,453,391$2,797,637$8,957,506
76$19,303,139$4,589,920$2,809,672$9,627,578
77$21,187,800$4,730,567$2,819,536$10,359,708
78$23,262,042$4,875,451$2,827,077$11,160,077
79$25,545,119$5,024,697$2,832,132$12,035,492
80$28,058,245$5,178,431$2,834,533$12,993,450
81$30,824,798$5,336,786$2,834,102$14,042,211
82$33,870,534$5,499,895$2,830,651$15,190,876
83$37,223,836$5,667,898$2,823,985$16,449,467
84$40,915,978$5,840,935$2,813,899$17,829,028
85$44,981,420$6,019,154$2,800,178$19,341,726
86$49,458,136$6,202,703$2,782,595$21,000,964
87$54,387,968$6,391,738$2,760,914$22,821,512
88$59,817,024$6,586,416$2,734,888$24,819,640
89$65,796,111$6,786,900$2,704,256$27,013,275
90$72,381,213$6,993,358$2,668,748$29,422,170
91$79,634,023$7,205,959$2,628,077$32,068,088
92$87,622,523$7,424,880$2,581,947$34,975,011
93$96,421,623$7,650,302$2,530,046$38,169,361
94$106,113,872$7,882,411$2,472,046$41,680,253
95$116,790,234$8,121,396$2,407,606$45,539,767
96$128,550,946$8,367,452$2,336,369$49,783,254
97$141,506,466$8,620,781$2,257,961$54,449,664
98$155,778,514$8,881,588$2,171,991$59,581,920
99$171,501,220$9,150,083$2,078,050$65,227,318
100$188,822,391$9,426,483$1,975,711$71,437,974