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%13.3%
1 years$174,242$172,690$171,176$169,698$168,254$165,946
2 years$86,258$84,652$83,095$81,585$80,121$77,799
3 years$56,934$55,321$53,768$52,273$50,832$48,569
4 years$42,275$40,667$39,129$37,659$36,254$34,067
5 years$33,482$31,883$30,366$28,926$27,560$25,456
6 years$27,622$26,035$24,540$23,132$21,807$19,788
7 years$23,438$21,864$20,393$19,018$17,735$15,802
8 years$20,301$18,742$17,295$15,954$14,713$12,866
9 years$17,862$16,318$14,896$13,589$12,390$10,628
10 years$15,913$14,383$12,987$11,714$10,557$8,879
11 years$14,319$12,805$11,433$10,195$9,080$7,483
12 years$12,991$11,493$10,147$8,942$7,868$6,352
13 years$11,869$10,386$9,065$7,895$6,861$5,423
14 years$10,908$9,441$8,145$7,008$6,014$4,652
15 years$10,076$8,624$7,354$6,250$5,296$4,007
16 years$9,348$7,913$6,668$5,596$4,680$3,463
17 years$8,707$7,287$6,067$5,028$4,150$3,001
18 years$8,137$6,734$5,539$4,531$3,690$2,607
19 years$7,629$6,241$5,070$4,094$3,289$2,270
20 years$7,171$5,799$4,653$3,708$2,938$1,979
21 years$6,758$5,402$4,280$3,365$2,629$1,729
22 years$6,383$5,042$3,945$3,060$2,356$1,512
23 years$6,041$4,716$3,642$2,787$2,115$1,324
24 years$5,728$4,419$3,369$2,542$1,901$1,160
25 years$5,440$4,147$3,120$2,321$1,711$1,018
26 years$5,175$3,897$2,894$2,122$1,541$893
27 years$4,930$3,668$2,687$1,943$1,389$785
28 years$4,703$3,456$2,498$1,780$1,254$690
29 years$4,492$3,260$2,324$1,632$1,132$607
30 years$4,295$3,079$2,165$1,498$1,023$534
31 years$4,111$2,911$2,019$1,376$925$470
32 years$3,940$2,754$1,883$1,264$837$414
33 years$3,779$2,608$1,758$1,163$757$364
34 years$3,627$2,472$1,643$1,070$685$321
35 years$3,485$2,345$1,536$985$621$283
36 years$3,351$2,225$1,437$907$562$249
37 years$3,225$2,114$1,345$836$510$220
38 years$3,105$2,009$1,260$770$462$194
39 years$2,992$1,910$1,180$710$419$171
40 years$2,885$1,817$1,106$655$380$151
41 years$2,783$1,730$1,037$604$345$133
42 years$2,686$1,647$973$558$313$117
43 years$2,594$1,570$913$515$284$103
44 years$2,507$1,496$857$475$258$91
45 years$2,424$1,427$805$439$234$80
46 years$2,344$1,361$756$406$212$71
47 years$2,268$1,299$710$375$193$63
48 years$2,196$1,240$667$346$175$55
49 years$2,126$1,184$627$320$159$49
50 years$2,060$1,131$590$296$145$43

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 $5,931 every year, while hoping to spend $38,269 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: 40/30/30 Blend
51$2,110,000$2,110,000$2,110,000$2,110,000
52$2,331,338$2,219,508$2,186,803$2,403,750
53$2,528,416$2,287,546$2,219,343$2,525,193
54$2,744,314$2,357,635$2,251,690$2,652,531
55$2,980,911$2,429,836$2,283,798$2,789,586
56$3,240,275$2,504,209$2,315,617$2,937,275
57$3,524,688$2,580,820$2,347,095$3,096,605
58$3,836,658$2,659,732$2,378,174$3,268,686
59$4,178,951$2,741,013$2,408,797$3,454,741
60$4,554,614$2,824,732$2,438,902$3,656,114
61$4,967,000$2,910,960$2,468,420$3,874,287
62$5,419,806$2,999,769$2,497,284$4,110,889
63$5,917,102$3,091,234$2,525,420$4,367,716
64$6,463,374$3,185,431$2,552,749$4,646,745
65$7,063,562$3,282,441$2,579,189$4,950,152
66$7,723,107$3,382,343$2,604,654$5,280,337
67$8,448,007$3,485,220$2,629,053$5,639,939
68$9,244,867$3,591,159$2,652,289$6,031,867
69$10,120,964$3,700,246$2,674,261$6,459,327
70$11,084,316$3,812,572$2,694,863$6,925,847
71$12,143,757$3,928,229$2,713,982$7,435,316
72$13,309,019$4,047,311$2,731,499$7,992,017
73$14,590,826$4,169,916$2,747,291$8,600,669
74$16,000,992$4,296,144$2,761,228$9,266,472
75$17,552,535$4,426,098$2,773,171$9,995,153
76$19,259,798$4,559,881$2,782,976$10,793,022
77$21,138,585$4,697,602$2,790,493$11,667,034
78$23,206,307$4,839,371$2,795,562$12,624,850
79$25,482,153$4,985,302$2,798,015$13,674,910
80$27,987,261$5,135,511$2,797,677$14,826,516
81$30,744,928$5,290,117$2,794,366$16,089,918
82$33,780,820$5,449,243$2,787,886$17,476,407
83$37,123,220$5,613,012$2,778,037$18,998,428
84$40,803,293$5,781,554$2,764,606$20,669,693
85$44,855,379$5,955,000$2,747,370$22,505,312
86$49,317,317$6,133,484$2,726,096$24,521,934
87$54,230,803$6,317,145$2,700,540$26,737,908
88$59,641,784$6,506,124$2,670,447$29,173,450
89$65,600,886$6,700,565$2,635,548$31,850,842
90$72,163,900$6,900,616$2,595,562$34,794,634
91$79,392,301$7,106,429$2,550,196$38,031,881
92$87,353,830$7,318,159$2,499,143$41,592,399
93$96,123,137$7,535,964$2,442,079$45,509,042
94$105,782,477$7,760,007$2,378,670$49,818,016
95$116,422,496$7,990,454$2,308,562$54,559,221
96$128,143,079$8,227,474$2,231,386$59,776,625
97$141,054,294$8,471,241$2,146,758$65,518,682
98$155,277,432$8,721,932$2,054,275$71,838,788
99$170,946,152$8,979,728$1,953,515$78,795,787
100$188,207,739$9,244,815$1,844,038$86,454,525