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%11.3%
1 years$175,893$174,327$172,798$171,306$169,849$168,920
2 years$87,076$85,454$83,883$82,359$80,881$79,943
3 years$57,474$55,845$54,278$52,768$51,314$50,397
4 years$42,676$41,052$39,500$38,016$36,598$35,709
5 years$33,799$32,185$30,654$29,200$27,821$26,962
6 years$27,884$26,282$24,773$23,352$22,014$21,187
7 years$23,660$22,071$20,586$19,199$17,903$17,108
8 years$20,493$18,919$17,459$16,105$14,852$14,089
9 years$18,032$16,473$15,037$13,718$12,508$11,776
10 years$16,064$14,520$13,110$11,825$10,657$9,957
11 years$14,455$12,926$11,542$10,291$9,166$8,496
12 years$13,115$11,602$10,243$9,027$7,943$7,303
13 years$11,982$10,485$9,151$7,969$6,926$6,316
14 years$11,011$9,530$8,223$7,074$6,071$5,491
15 years$10,171$8,706$7,424$6,309$5,346$4,793
16 years$9,437$7,988$6,731$5,649$4,725$4,200
17 years$8,789$7,356$6,125$5,076$4,189$3,691
18 years$8,215$6,798$5,591$4,574$3,725$3,252
19 years$7,701$6,300$5,118$4,133$3,320$2,872
20 years$7,239$5,854$4,697$3,743$2,966$2,542
21 years$6,822$5,453$4,321$3,397$2,654$2,253
22 years$6,443$5,090$3,982$3,089$2,379$2,001
23 years$6,098$4,761$3,677$2,813$2,135$1,779
24 years$5,782$4,460$3,400$2,566$1,919$1,583
25 years$5,491$4,186$3,150$2,343$1,727$1,410
26 years$5,224$3,934$2,921$2,143$1,556$1,258
27 years$4,977$3,702$2,712$1,961$1,403$1,123
28 years$4,747$3,489$2,522$1,797$1,266$1,003
29 years$4,534$3,291$2,347$1,648$1,143$896
30 years$4,336$3,108$2,186$1,512$1,033$801
31 years$4,150$2,938$2,038$1,389$934$717
32 years$3,977$2,780$1,901$1,276$844$642
33 years$3,815$2,633$1,775$1,174$764$575
34 years$3,662$2,495$1,659$1,080$692$515
35 years$3,518$2,367$1,551$994$627$461
36 years$3,383$2,247$1,451$916$568$413
37 years$3,255$2,134$1,358$844$515$371
38 years$3,135$2,028$1,271$778$467$332
39 years$3,020$1,928$1,191$717$423$298
40 years$2,912$1,835$1,117$661$384$267
41 years$2,809$1,746$1,047$610$348$240
42 years$2,712$1,663$982$563$316$215
43 years$2,619$1,585$922$520$287$193
44 years$2,531$1,510$865$480$260$173
45 years$2,447$1,440$812$443$236$156
46 years$2,366$1,374$763$409$215$140
47 years$2,290$1,311$717$378$195$125
48 years$2,217$1,252$674$350$177$113
49 years$2,147$1,195$633$323$161$101
50 years$2,080$1,142$595$299$146$91

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 $6,627 every year, while hoping to spend $31,472 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: 37/42/21 Blend
51$2,130,000$2,130,000$2,130,000$2,130,000
52$2,354,096$2,241,206$2,208,191$2,426,097
53$2,560,728$2,317,539$2,248,679$2,555,403
54$2,787,381$2,396,558$2,289,469$2,691,554
55$3,036,065$2,478,360$2,330,538$2,837,978
56$3,308,993$2,563,049$2,371,859$2,995,615
57$3,608,601$2,650,729$2,413,408$3,165,501
58$3,937,575$2,741,512$2,455,154$3,348,772
59$4,298,873$2,835,511$2,497,067$3,546,679
60$4,695,753$2,932,846$2,539,114$3,760,596
61$5,131,805$3,033,640$2,581,258$3,992,031
62$5,610,981$3,138,021$2,623,463$4,242,647
63$6,137,639$3,246,122$2,665,687$4,514,269
64$6,716,578$3,358,081$2,707,887$4,808,905
65$7,353,085$3,474,043$2,750,017$5,128,766
66$8,052,985$3,594,157$2,792,028$5,476,281
67$8,822,696$3,718,578$2,833,868$5,854,124
68$9,669,290$3,847,467$2,875,482$6,265,238
69$10,600,557$3,980,991$2,916,809$6,712,860
70$11,625,080$4,119,327$2,957,789$7,200,554
71$12,752,317$4,262,653$2,998,354$7,732,242
72$13,992,690$4,411,159$3,038,435$8,312,239
73$15,357,679$4,565,040$3,077,957$8,945,299
74$16,859,935$4,724,500$3,116,842$9,636,651
75$18,513,398$4,889,751$3,155,006$10,392,056
76$20,333,428$5,061,012$3,192,362$11,217,853
77$22,336,948$5,238,512$3,228,816$12,121,024
78$24,542,607$5,422,489$3,264,272$13,109,256
79$26,970,953$5,613,191$3,298,625$14,191,014
80$29,644,627$5,810,874$3,331,766$15,375,621
81$32,588,579$6,015,807$3,363,580$16,673,342
82$35,830,301$6,228,268$3,393,947$18,095,482
83$39,400,085$6,448,547$3,422,738$19,654,495
84$43,331,313$6,676,945$3,449,819$21,364,093
85$47,660,768$6,913,776$3,475,048$23,239,384
86$52,428,981$7,159,366$3,498,277$25,297,004
87$57,680,616$7,414,054$3,519,348$27,555,282
88$63,464,890$7,678,194$3,538,098$30,034,404
89$69,836,037$7,952,154$3,554,353$32,756,609
90$76,853,820$8,236,316$3,567,930$35,746,393
91$84,584,094$8,531,080$3,578,640$39,030,743
92$93,099,427$8,836,859$3,586,280$42,639,388
93$102,479,789$9,154,085$3,590,641$46,605,078
94$112,813,301$9,483,209$3,591,501$50,963,894
95$124,197,069$9,824,697$3,588,627$55,755,587
96$136,738,101$10,179,038$3,581,777$61,023,950
97$150,554,316$10,546,740$3,570,695$66,817,231
98$165,775,655$10,928,329$3,555,113$73,188,589
99$182,545,313$11,324,358$3,534,750$80,196,590
100$201,021,082$11,735,399$3,509,312$87,905,763