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%16.3%
1 years$175,893$174,327$172,798$171,306$169,849$165,475
2 years$87,076$85,454$83,883$82,359$80,881$76,502
3 years$57,474$55,845$54,278$52,768$51,314$47,069
4 years$42,676$41,052$39,500$38,016$36,598$32,519
5 years$33,799$32,185$30,654$29,200$27,821$23,919
6 years$27,884$26,282$24,773$23,352$22,014$18,293
7 years$23,660$22,071$20,586$19,199$17,903$14,364
8 years$20,493$18,919$17,459$16,105$14,852$11,493
9 years$18,032$16,473$15,037$13,718$12,508$9,325
10 years$16,064$14,520$13,110$11,825$10,657$7,648
11 years$14,455$12,926$11,542$10,291$9,166$6,325
12 years$13,115$11,602$10,243$9,027$7,943$5,265
13 years$11,982$10,485$9,151$7,969$6,926$4,407
14 years$11,011$9,530$8,223$7,074$6,071$3,704
15 years$10,171$8,706$7,424$6,309$5,346$3,125
16 years$9,437$7,988$6,731$5,649$4,725$2,644
17 years$8,789$7,356$6,125$5,076$4,189$2,243
18 years$8,215$6,798$5,591$4,574$3,725$1,906
19 years$7,701$6,300$5,118$4,133$3,320$1,623
20 years$7,239$5,854$4,697$3,743$2,966$1,384
21 years$6,822$5,453$4,321$3,397$2,654$1,181
22 years$6,443$5,090$3,982$3,089$2,379$1,010
23 years$6,098$4,761$3,677$2,813$2,135$864
24 years$5,782$4,460$3,400$2,566$1,919$739
25 years$5,491$4,186$3,150$2,343$1,727$633
26 years$5,224$3,934$2,921$2,143$1,556$543
27 years$4,977$3,702$2,712$1,961$1,403$465
28 years$4,747$3,489$2,522$1,797$1,266$399
29 years$4,534$3,291$2,347$1,648$1,143$342
30 years$4,336$3,108$2,186$1,512$1,033$294
31 years$4,150$2,938$2,038$1,389$934$252
32 years$3,977$2,780$1,901$1,276$844$217
33 years$3,815$2,633$1,775$1,174$764$186
34 years$3,662$2,495$1,659$1,080$692$160
35 years$3,518$2,367$1,551$994$627$137
36 years$3,383$2,247$1,451$916$568$118
37 years$3,255$2,134$1,358$844$515$101
38 years$3,135$2,028$1,271$778$467$87
39 years$3,020$1,928$1,191$717$423$75
40 years$2,912$1,835$1,117$661$384$64
41 years$2,809$1,746$1,047$610$348$55
42 years$2,712$1,663$982$563$316$48
43 years$2,619$1,585$922$520$287$41
44 years$2,531$1,510$865$480$260$35
45 years$2,447$1,440$812$443$236$30
46 years$2,366$1,374$763$409$215$26
47 years$2,290$1,311$717$378$195$22
48 years$2,217$1,252$674$350$177$19
49 years$2,147$1,195$633$323$161$17
50 years$2,080$1,142$595$299$146$14

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 $6,842 every year, while hoping to spend $43,713 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: 58/14/28 Blend
51$2,130,000$2,130,000$2,130,000$2,130,000
52$2,354,318$2,241,428$2,208,413$2,472,500
53$2,547,948$2,304,747$2,235,884$2,617,548
54$2,759,863$2,369,704$2,262,811$2,770,438
55$2,991,882$2,436,333$2,289,128$2,936,251
56$3,246,009$2,504,668$2,314,769$3,116,251
57$3,524,448$2,574,744$2,339,660$3,311,834
58$3,829,630$2,646,594$2,363,727$3,524,536
59$4,164,230$2,720,255$2,386,889$3,756,048
60$4,531,194$2,795,760$2,409,062$4,008,235
61$4,933,768$2,873,144$2,430,158$4,283,150
62$5,375,527$2,952,443$2,450,083$4,583,058
63$5,860,408$3,033,690$2,468,738$4,910,452
64$6,392,750$3,116,921$2,486,021$5,268,078
65$6,977,330$3,202,169$2,501,822$5,658,966
66$7,619,411$3,289,469$2,516,027$6,086,450
67$8,324,792$3,378,854$2,528,515$6,554,208
68$9,099,860$3,470,357$2,539,159$7,066,289
69$9,951,652$3,564,011$2,547,828$7,627,159
70$10,887,920$3,659,848$2,554,380$8,241,736
71$11,917,206$3,757,898$2,558,669$8,915,443
72$13,048,919$3,858,193$2,560,542$9,654,252
73$14,293,425$3,960,761$2,559,837$10,464,749
74$15,662,146$4,065,630$2,556,384$11,354,188
75$17,167,667$4,172,828$2,550,005$12,330,566
76$18,823,853$4,282,380$2,540,513$13,402,695
77$20,645,980$4,394,310$2,527,714$14,580,285
78$22,650,879$4,508,641$2,511,402$15,874,039
79$24,857,097$4,625,393$2,491,363$17,295,753
80$27,285,068$4,744,585$2,467,370$18,858,423
81$29,957,307$4,866,231$2,439,190$20,576,377
82$32,898,624$4,990,348$2,406,573$22,465,401
83$36,136,353$5,116,944$2,369,263$24,542,895
84$39,700,615$5,246,029$2,326,988$26,828,033
85$43,624,601$5,377,608$2,279,465$29,341,948
86$47,944,881$5,511,681$2,226,397$32,107,929
87$52,701,752$5,648,246$2,167,475$35,151,644
88$57,939,619$5,787,298$2,102,373$38,501,377
89$63,707,410$5,928,826$2,030,753$42,188,305
90$70,059,041$6,072,814$1,952,258$46,246,782
91$77,053,923$6,219,241$1,866,519$50,714,672
92$84,757,522$6,368,083$1,773,146$55,633,702
93$93,241,977$6,519,307$1,671,735$61,049,859
94$102,586,781$6,672,876$1,561,860$67,013,824
95$112,879,530$6,828,744$1,443,080$73,581,449
96$124,216,750$6,986,860$1,314,931$80,814,290
97$136,704,806$7,147,164$1,176,929$88,780,183
98$150,460,910$7,309,589$1,028,569$97,553,888
99$165,614,221$7,474,057$869,325$107,217,796
100$182,307,068$7,640,482$698,643$117,862,705