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%12.9%
1 years$174,242$172,690$171,176$169,698$168,254$166,221
2 years$86,258$84,652$83,095$81,585$80,121$78,075
3 years$56,934$55,321$53,768$52,273$50,832$48,836
4 years$42,275$40,667$39,129$37,659$36,254$34,324
5 years$33,482$31,883$30,366$28,926$27,560$25,701
6 years$27,622$26,035$24,540$23,132$21,807$20,022
7 years$23,438$21,864$20,393$19,018$17,735$16,025
8 years$20,301$18,742$17,295$15,954$14,713$13,077
9 years$17,862$16,318$14,896$13,589$12,390$10,828
10 years$15,913$14,383$12,987$11,714$10,557$9,068
11 years$14,319$12,805$11,433$10,195$9,080$7,662
12 years$12,991$11,493$10,147$8,942$7,868$6,520
13 years$11,869$10,386$9,065$7,895$6,861$5,581
14 years$10,908$9,441$8,145$7,008$6,014$4,801
15 years$10,076$8,624$7,354$6,250$5,296$4,146
16 years$9,348$7,913$6,668$5,596$4,680$3,593
17 years$8,707$7,287$6,067$5,028$4,150$3,123
18 years$8,137$6,734$5,539$4,531$3,690$2,721
19 years$7,629$6,241$5,070$4,094$3,289$2,375
20 years$7,171$5,799$4,653$3,708$2,938$2,078
21 years$6,758$5,402$4,280$3,365$2,629$1,820
22 years$6,383$5,042$3,945$3,060$2,356$1,597
23 years$6,041$4,716$3,642$2,787$2,115$1,402
24 years$5,728$4,419$3,369$2,542$1,901$1,233
25 years$5,440$4,147$3,120$2,321$1,711$1,085
26 years$5,175$3,897$2,894$2,122$1,541$955
27 years$4,930$3,668$2,687$1,943$1,389$842
28 years$4,703$3,456$2,498$1,780$1,254$742
29 years$4,492$3,260$2,324$1,632$1,132$655
30 years$4,295$3,079$2,165$1,498$1,023$578
31 years$4,111$2,911$2,019$1,376$925$510
32 years$3,940$2,754$1,883$1,264$837$451
33 years$3,779$2,608$1,758$1,163$757$398
34 years$3,627$2,472$1,643$1,070$685$352
35 years$3,485$2,345$1,536$985$621$311
36 years$3,351$2,225$1,437$907$562$275
37 years$3,225$2,114$1,345$836$510$244
38 years$3,105$2,009$1,260$770$462$215
39 years$2,992$1,910$1,180$710$419$191
40 years$2,885$1,817$1,106$655$380$169
41 years$2,783$1,730$1,037$604$345$149
42 years$2,686$1,647$973$558$313$132
43 years$2,594$1,570$913$515$284$117
44 years$2,507$1,496$857$475$258$103
45 years$2,424$1,427$805$439$234$92
46 years$2,344$1,361$756$406$212$81
47 years$2,268$1,299$710$375$193$72
48 years$2,196$1,240$667$346$175$64
49 years$2,126$1,184$627$320$159$56
50 years$2,060$1,131$590$296$145$50

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 $2,365 every year, while hoping to spend $55,281 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: 54/20/26 Blend
51$2,110,000$2,110,000$2,110,000$2,110,000
52$2,327,659$2,215,829$2,183,124$2,436,473
53$2,506,262$2,265,587$2,197,441$2,561,549
54$2,701,230$2,315,929$2,210,384$2,691,747
55$2,914,173$2,366,827$2,221,849$2,832,365
56$3,146,864$2,418,248$2,231,727$2,984,422
57$3,401,257$2,470,155$2,239,903$3,149,043
58$3,679,501$2,522,507$2,246,255$3,327,465
59$3,983,961$2,575,262$2,250,656$3,521,053
60$4,317,245$2,628,370$2,252,973$3,731,313
61$4,682,222$2,681,778$2,253,065$3,959,902
62$5,082,052$2,735,428$2,250,786$4,208,651
63$5,520,216$2,789,258$2,245,981$4,479,576
64$6,000,545$2,843,199$2,238,489$4,774,900
65$6,527,262$2,897,178$2,228,140$5,097,075
66$7,105,016$2,951,113$2,214,756$5,448,802
67$7,738,929$3,004,918$2,198,151$5,833,060
68$8,434,640$3,058,499$2,178,129$6,253,136
69$9,198,363$3,111,755$2,154,487$6,712,650
70$10,036,943$3,164,578$2,127,009$7,215,594
71$10,957,918$3,216,850$2,095,471$7,766,372
72$11,969,596$3,268,445$2,059,639$8,369,835
73$13,081,124$3,319,229$2,019,267$9,031,336
74$14,302,584$3,369,056$1,974,097$9,756,771
75$15,645,078$3,417,771$1,923,860$10,552,646
76$17,120,842$3,465,207$1,868,275$11,426,128
77$18,743,352$3,511,186$1,807,047$12,385,124
78$20,527,457$3,555,518$1,739,867$13,438,345
79$22,489,519$3,598,000$1,666,413$14,595,400
80$24,647,561$3,638,413$1,586,349$15,866,878
81$27,021,443$3,676,526$1,499,323$17,264,454
82$29,633,046$3,712,091$1,404,965$18,800,998
83$32,506,477$3,744,844$1,302,893$20,490,698
84$35,668,301$3,774,505$1,192,703$22,349,196
85$39,147,785$3,800,773$1,073,975$24,393,732
86$42,977,178$3,823,329$946,272$26,643,312
87$47,192,013$3,841,835$809,135$29,118,888
88$51,831,443$3,855,930$662,086$31,843,554
89$56,938,608$3,865,229$504,624$34,842,769
90$62,561,046$3,869,325$336,229$38,144,596
91$68,751,136$3,867,784$156,355$41,779,967
92$75,566,593$3,860,148$0$45,782,980
93$83,071,018$3,845,927$0$50,201,095
94$91,334,487$3,824,602$0$55,112,797
95$100,434,222$3,795,625$0$60,520,498
96$110,455,314$3,758,412$0$66,474,713
97$121,491,527$3,712,345$0$73,031,105
98$133,646,181$3,656,769$0$80,251,022
99$147,033,129$3,590,988$0$88,202,067
100$161,777,830$3,514,268$0$96,958,742