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

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 $2,130,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.7%
1 years$175,893$174,327$172,798$171,306$169,849$163,239
2 years$87,076$85,454$83,883$82,359$80,881$74,301
3 years$57,474$55,845$54,278$52,768$51,314$44,972
4 years$42,676$41,052$39,500$38,016$36,598$30,541
5 years$33,799$32,185$30,654$29,200$27,821$22,066
6 years$27,884$26,282$24,773$23,352$22,014$16,564
7 years$23,660$22,071$20,586$19,199$17,903$12,756
8 years$20,493$18,919$17,459$16,105$14,852$10,004
9 years$18,032$16,473$15,037$13,718$12,508$7,950
10 years$16,064$14,520$13,110$11,825$10,657$6,382
11 years$14,455$12,926$11,542$10,291$9,166$5,163
12 years$13,115$11,602$10,243$9,027$7,943$4,202
13 years$11,982$10,485$9,151$7,969$6,926$3,437
14 years$11,011$9,530$8,223$7,074$6,071$2,822
15 years$10,171$8,706$7,424$6,309$5,346$2,324
16 years$9,437$7,988$6,731$5,649$4,725$1,918
17 years$8,789$7,356$6,125$5,076$4,189$1,587
18 years$8,215$6,798$5,591$4,574$3,725$1,315
19 years$7,701$6,300$5,118$4,133$3,320$1,091
20 years$7,239$5,854$4,697$3,743$2,966$907
21 years$6,822$5,453$4,321$3,397$2,654$754
22 years$6,443$5,090$3,982$3,089$2,379$627
23 years$6,098$4,761$3,677$2,813$2,135$523
24 years$5,782$4,460$3,400$2,566$1,919$435
25 years$5,491$4,186$3,150$2,343$1,727$363
26 years$5,224$3,934$2,921$2,143$1,556$303
27 years$4,977$3,702$2,712$1,961$1,403$252
28 years$4,747$3,489$2,522$1,797$1,266$211
29 years$4,534$3,291$2,347$1,648$1,143$176
30 years$4,336$3,108$2,186$1,512$1,033$147
31 years$4,150$2,938$2,038$1,389$934$122
32 years$3,977$2,780$1,901$1,276$844$102
33 years$3,815$2,633$1,775$1,174$764$85
34 years$3,662$2,495$1,659$1,080$692$71
35 years$3,518$2,367$1,551$994$627$60
36 years$3,383$2,247$1,451$916$568$50
37 years$3,255$2,134$1,358$844$515$42
38 years$3,135$2,028$1,271$778$467$35
39 years$3,020$1,928$1,191$717$423$29
40 years$2,912$1,835$1,117$661$384$24
41 years$2,809$1,746$1,047$610$348$20
42 years$2,712$1,663$982$563$316$17
43 years$2,619$1,585$922$520$287$14
44 years$2,531$1,510$865$480$260$12
45 years$2,447$1,440$812$443$236$10
46 years$2,366$1,374$763$409$215$8
47 years$2,290$1,311$717$378$195$7
48 years$2,217$1,252$674$350$177$6
49 years$2,147$1,195$633$323$161$5
50 years$2,080$1,142$595$299$146$4

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 $2,507 every year, while hoping to spend $54,208 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: 55/36/9 Blend
51$2,130,000$2,130,000$2,130,000$2,130,000
52$2,349,846$2,236,956$2,203,941$2,473,807
53$2,531,853$2,288,890$2,220,096$2,609,862
54$2,730,609$2,341,552$2,234,976$2,751,738
55$2,947,763$2,394,920$2,248,480$2,904,909
56$3,185,134$2,448,970$2,260,503$3,070,458
57$3,444,723$2,503,675$2,270,935$3,249,577
58$3,728,733$2,559,004$2,279,659$3,443,579
59$4,039,591$2,614,921$2,286,555$3,653,911
60$4,379,967$2,671,391$2,291,493$3,882,166
61$4,752,805$2,728,370$2,294,339$4,130,098
62$5,161,344$2,785,813$2,294,952$4,399,642
63$5,609,151$2,843,669$2,293,184$4,692,927
64$6,100,158$2,901,882$2,288,879$5,012,300
65$6,638,692$2,960,392$2,281,874$5,360,345
66$7,229,521$3,019,133$2,271,999$5,739,913
67$7,877,895$3,078,033$2,259,073$6,154,142
68$8,589,598$3,137,015$2,242,911$6,606,492
69$9,371,003$3,195,994$2,223,313$7,100,773
70$10,229,126$3,254,879$2,200,075$7,641,186
71$11,171,700$3,313,571$2,172,981$8,232,361
72$12,207,241$3,371,964$2,141,803$8,879,397
73$13,345,132$3,429,943$2,106,307$9,587,918
74$14,595,710$3,487,384$2,066,242$10,364,118
75$15,970,362$3,544,156$2,021,351$11,214,826
76$17,481,634$3,600,115$1,971,361$12,147,566
77$19,143,348$3,655,108$1,915,990$13,170,633
78$20,970,733$3,708,971$1,854,938$14,293,166
79$22,980,565$3,761,528$1,787,897$15,525,241
80$25,191,332$3,812,592$1,714,540$16,877,959
81$27,623,399$3,861,961$1,634,528$18,363,559
82$30,299,208$3,909,418$1,547,507$19,995,526
83$33,243,483$3,954,736$1,453,104$21,788,727
84$36,483,467$3,997,667$1,350,932$23,759,544
85$40,049,178$4,037,950$1,240,586$25,926,034
86$43,973,690$4,075,305$1,121,641$28,308,100
87$48,293,446$4,109,435$993,656$30,927,677
88$53,048,602$4,140,022$856,168$33,808,940
89$58,283,405$4,166,728$708,695$36,978,535
90$64,046,608$4,189,194$550,733$40,465,830
91$70,391,935$4,207,038$381,755$44,303,193
92$77,378,581$4,219,851$201,213$48,526,298
93$85,071,776$4,227,203$8,532$53,174,464
94$93,543,394$4,228,633$0$58,291,027
95$102,872,637$4,223,653$0$63,942,676
96$113,146,780$4,211,746$0$70,165,229
97$124,461,991$4,192,361$0$77,015,945
98$136,924,242$4,164,915$0$84,558,835
99$150,650,307$4,128,788$0$92,864,441
100$165,768,865$4,083,325$0$102,010,507