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

Use the below retirement simulation to view the chances of a successful retirement.
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%16.7%
1 years$174,242$172,690$171,176$169,698$168,254$163,656
2 years$86,258$84,652$83,095$81,585$80,121$75,522
3 years$56,934$55,321$53,768$52,273$50,832$46,376
4 years$42,275$40,667$39,129$37,659$36,254$31,975
5 years$33,482$31,883$30,366$28,926$27,560$23,470
6 years$27,622$26,035$24,540$23,132$21,807$17,910
7 years$23,438$21,864$20,393$19,018$17,735$14,032
8 years$20,301$18,742$17,295$15,954$14,713$11,201
9 years$17,862$16,318$14,896$13,589$12,390$9,066
10 years$15,913$14,383$12,987$11,714$10,557$7,417
11 years$14,319$12,805$11,433$10,195$9,080$6,118
12 years$12,991$11,493$10,147$8,942$7,868$5,080
13 years$11,869$10,386$9,065$7,895$6,861$4,240
14 years$10,908$9,441$8,145$7,008$6,014$3,554
15 years$10,076$8,624$7,354$6,250$5,296$2,990
16 years$9,348$7,913$6,668$5,596$4,680$2,523
17 years$8,707$7,287$6,067$5,028$4,150$2,133
18 years$8,137$6,734$5,539$4,531$3,690$1,808
19 years$7,629$6,241$5,070$4,094$3,289$1,535
20 years$7,171$5,799$4,653$3,708$2,938$1,305
21 years$6,758$5,402$4,280$3,365$2,629$1,110
22 years$6,383$5,042$3,945$3,060$2,356$946
23 years$6,041$4,716$3,642$2,787$2,115$807
24 years$5,728$4,419$3,369$2,542$1,901$688
25 years$5,440$4,147$3,120$2,321$1,711$588
26 years$5,175$3,897$2,894$2,122$1,541$502
27 years$4,930$3,668$2,687$1,943$1,389$429
28 years$4,703$3,456$2,498$1,780$1,254$367
29 years$4,492$3,260$2,324$1,632$1,132$314
30 years$4,295$3,079$2,165$1,498$1,023$268
31 years$4,111$2,911$2,019$1,376$925$230
32 years$3,940$2,754$1,883$1,264$837$197
33 years$3,779$2,608$1,758$1,163$757$168
34 years$3,627$2,472$1,643$1,070$685$144
35 years$3,485$2,345$1,536$985$621$123
36 years$3,351$2,225$1,437$907$562$106
37 years$3,225$2,114$1,345$836$510$90
38 years$3,105$2,009$1,260$770$462$77
39 years$2,992$1,910$1,180$710$419$66
40 years$2,885$1,817$1,106$655$380$57
41 years$2,783$1,730$1,037$604$345$49
42 years$2,686$1,647$973$558$313$42
43 years$2,594$1,570$913$515$284$36
44 years$2,507$1,496$857$475$258$31
45 years$2,424$1,427$805$439$234$26
46 years$2,344$1,361$756$406$212$22
47 years$2,268$1,299$710$375$193$19
48 years$2,196$1,240$667$346$175$17
49 years$2,126$1,184$627$320$159$14
50 years$2,060$1,131$590$296$145$12

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 $2,597 every year, while hoping to spend $57,519 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: 84/6/10 Blend
51$2,110,000$2,110,000$2,110,000$2,110,000
52$2,327,899$2,216,069$2,183,364$2,519,773
53$2,504,145$2,263,456$2,195,307$2,693,012
54$2,696,440$2,311,238$2,205,722$2,875,277
55$2,906,361$2,359,373$2,214,498$3,073,716
56$3,135,642$2,407,815$2,221,516$3,289,920
57$3,386,195$2,456,515$2,226,654$3,525,642
58$3,660,121$2,505,419$2,229,781$3,782,813
59$3,959,737$2,554,467$2,230,762$4,063,557
60$4,287,592$2,603,598$2,229,454$4,370,216
61$4,646,492$2,652,740$2,225,707$4,705,369
62$5,039,530$2,701,820$2,219,364$5,071,856
63$5,470,109$2,750,756$2,210,259$5,472,808
64$5,941,978$2,799,461$2,198,221$5,911,671
65$6,459,266$2,847,841$2,183,068$6,392,243
66$7,026,521$2,895,795$2,164,611$6,918,707
67$7,648,751$2,943,214$2,142,650$7,495,673
68$8,331,472$2,989,980$2,116,977$8,128,218
69$9,080,761$3,035,968$2,087,375$8,821,938
70$9,903,311$3,081,043$2,053,614$9,582,995
71$10,806,495$3,125,060$2,015,456$10,418,181
72$11,798,434$3,167,865$1,972,651$11,334,980
73$12,888,077$3,209,293$1,924,937$12,341,636
74$14,085,278$3,249,165$1,872,040$13,447,234
75$15,400,896$3,287,294$1,813,673$14,661,783
76$16,846,894$3,323,477$1,749,537$15,996,313
77$18,436,448$3,357,500$1,679,318$17,462,978
78$20,184,080$3,389,131$1,602,689$19,075,170
79$22,105,783$3,418,126$1,519,307$20,847,645
80$24,219,183$3,444,224$1,428,813$22,796,665
81$26,543,696$3,467,147$1,330,835$24,940,146
82$29,100,715$3,486,599$1,224,980$27,297,834
83$31,913,811$3,502,266$1,110,840$29,891,486
84$35,008,955$3,513,812$987,988$32,745,079
85$38,414,762$3,520,882$855,979$35,885,031
86$42,162,760$3,523,097$714,346$39,340,458
87$46,287,689$3,520,056$562,604$43,143,442
88$50,827,827$3,511,333$400,246$47,329,337
89$55,825,351$3,496,474$226,740$51,937,103
90$61,326,735$3,474,999$41,533$57,009,673
91$67,383,186$3,446,399$0$62,594,357
92$74,051,132$3,410,133$0$68,759,951
93$81,392,745$3,365,628$0$75,553,061
94$89,476,538$3,312,276$0$83,032,633
95$98,378,003$3,249,435$0$91,268,507
96$108,180,325$3,176,423$0$100,337,644
97$118,975,168$3,092,518$0$110,324,850
98$130,863,539$2,996,956$0$121,323,577
99$143,956,741$2,888,927$0$133,436,804
100$158,377,420$2,767,577$0$146,778,010