Can I retire at age 52 with 2,130,000?

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 $2,130,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.8%
1 years$175,893$174,327$172,798$171,306$169,849$166,488
2 years$87,076$85,454$83,883$82,359$80,881$77,508
3 years$57,474$55,845$54,278$52,768$51,314$48,036
4 years$42,676$41,052$39,500$38,016$36,598$33,439
5 years$33,799$32,185$30,654$29,200$27,821$24,791
6 years$27,884$26,282$24,773$23,352$22,014$19,115
7 years$23,660$22,071$20,586$19,199$17,903$15,137
8 years$20,493$18,919$17,459$16,105$14,852$12,218
9 years$18,032$16,473$15,037$13,718$12,508$10,003
10 years$16,064$14,520$13,110$11,825$10,657$8,280
11 years$14,455$12,926$11,542$10,291$9,166$6,913
12 years$13,115$11,602$10,243$9,027$7,943$5,812
13 years$11,982$10,485$9,151$7,969$6,926$4,913
14 years$11,011$9,530$8,223$7,074$6,071$4,173
15 years$10,171$8,706$7,424$6,309$5,346$3,557
16 years$9,437$7,988$6,731$5,649$4,725$3,042
17 years$8,789$7,356$6,125$5,076$4,189$2,608
18 years$8,215$6,798$5,591$4,574$3,725$2,241
19 years$7,701$6,300$5,118$4,133$3,320$1,930
20 years$7,239$5,854$4,697$3,743$2,966$1,664
21 years$6,822$5,453$4,321$3,397$2,654$1,437
22 years$6,443$5,090$3,982$3,089$2,379$1,242
23 years$6,098$4,761$3,677$2,813$2,135$1,075
24 years$5,782$4,460$3,400$2,566$1,919$931
25 years$5,491$4,186$3,150$2,343$1,727$807
26 years$5,224$3,934$2,921$2,143$1,556$700
27 years$4,977$3,702$2,712$1,961$1,403$608
28 years$4,747$3,489$2,522$1,797$1,266$528
29 years$4,534$3,291$2,347$1,648$1,143$458
30 years$4,336$3,108$2,186$1,512$1,033$398
31 years$4,150$2,938$2,038$1,389$934$346
32 years$3,977$2,780$1,901$1,276$844$301
33 years$3,815$2,633$1,775$1,174$764$262
34 years$3,662$2,495$1,659$1,080$692$228
35 years$3,518$2,367$1,551$994$627$198
36 years$3,383$2,247$1,451$916$568$172
37 years$3,255$2,134$1,358$844$515$150
38 years$3,135$2,028$1,271$778$467$131
39 years$3,020$1,928$1,191$717$423$114
40 years$2,912$1,835$1,117$661$384$99
41 years$2,809$1,746$1,047$610$348$86
42 years$2,712$1,663$982$563$316$75
43 years$2,619$1,585$922$520$287$65
44 years$2,531$1,510$865$480$260$57
45 years$2,447$1,440$812$443$236$50
46 years$2,366$1,374$763$409$215$43
47 years$2,290$1,311$717$378$195$38
48 years$2,217$1,252$674$350$177$33
49 years$2,147$1,195$633$323$161$29
50 years$2,080$1,142$595$299$146$25

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,130,000, adding $5,407 every year, while hoping to spend $43,480 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: 44/26/30 Blend
51$2,130,000$2,130,000$2,130,000$2,130,000
52$2,352,837$2,239,947$2,206,932$2,435,649
53$2,546,564$2,303,442$2,234,602$2,558,988
54$2,758,594$2,368,591$2,261,742$2,688,079
55$2,990,748$2,435,430$2,288,287$2,827,207
56$3,245,031$2,503,992$2,314,172$2,977,334
57$3,523,651$2,574,315$2,339,324$3,139,518
58$3,829,042$2,646,434$2,363,668$3,314,925
59$4,163,880$2,720,385$2,387,127$3,504,839
60$4,531,116$2,796,205$2,409,617$3,710,676
61$4,934,000$2,873,929$2,431,049$3,933,992
62$5,376,110$2,953,594$2,451,331$4,176,505
63$5,861,389$3,035,235$2,470,366$4,440,106
64$6,394,179$3,118,891$2,488,052$4,726,880
65$6,979,265$3,204,595$2,504,281$5,039,122
66$7,621,914$3,292,385$2,518,939$5,379,361
67$8,327,933$3,382,296$2,531,907$5,750,386
68$9,103,716$3,474,362$2,543,060$6,155,268
69$9,956,309$3,568,620$2,552,267$6,597,393
70$10,893,473$3,665,102$2,559,388$7,080,489
71$11,923,758$3,763,843$2,564,278$7,608,668
72$13,056,586$3,864,876$2,566,786$8,186,459
73$14,302,335$3,968,232$2,566,750$8,818,854
74$15,672,441$4,073,943$2,564,004$9,511,354
75$17,179,502$4,182,039$2,558,371$10,270,023
76$18,837,401$4,292,548$2,549,666$11,101,541
77$20,661,431$4,405,499$2,537,695$12,013,273
78$22,668,445$4,520,916$2,522,256$13,013,333
79$24,877,010$4,638,825$2,503,135$14,110,667
80$27,307,585$4,759,247$2,480,110$15,315,130
81$29,982,712$4,882,203$2,452,947$16,637,586
82$32,927,229$5,007,711$2,421,401$18,090,009
83$36,168,504$5,135,787$2,385,216$19,685,593
84$39,736,695$5,266,444$2,344,124$21,438,882
85$43,665,029$5,399,692$2,297,844$23,365,904
86$47,990,123$5,535,537$2,246,082$25,484,322
87$52,752,320$5,673,983$2,188,530$27,813,607
88$57,996,079$5,815,030$2,124,868$30,375,215
89$63,770,386$5,958,674$2,054,758$33,192,792
90$70,129,222$6,104,905$1,977,849$36,292,403
91$77,132,068$6,253,711$1,893,772$39,702,771
92$84,844,468$6,405,072$1,802,144$43,455,554
93$93,338,649$6,558,966$1,702,561$47,585,640
94$102,694,198$6,715,362$1,594,603$52,131,482
95$112,998,816$6,874,224$1,477,832$57,135,460
96$124,349,143$7,035,510$1,351,787$62,644,279
97$136,851,674$7,199,168$1,215,991$68,709,413
98$150,623,759$7,365,142$1,069,941$75,387,592
99$165,794,714$7,533,364$913,114$82,741,339
100$182,507,036$7,703,760$744,965$90,839,560