Can I retire at age 52 with 2,140,000?

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 $2,140,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.6%
1 years$176,719$175,145$173,609$172,110$170,647$166,724
2 years$87,485$85,855$84,276$82,745$81,260$77,330
3 years$57,744$56,107$54,532$53,016$51,555$47,740
4 years$42,876$41,245$39,686$38,195$36,769$33,099
5 years$33,958$32,337$30,798$29,337$27,951$24,436
6 years$28,015$26,405$24,889$23,461$22,117$18,760
7 years$23,771$22,175$20,683$19,289$17,987$14,789
8 years$20,590$19,008$17,541$16,181$14,922$11,881
9 years$18,116$16,550$15,108$13,783$12,567$9,681
10 years$16,139$14,588$13,171$11,881$10,707$7,974
11 years$14,522$12,987$11,596$10,340$9,209$6,624
12 years$13,176$11,656$10,291$9,069$7,980$5,540
13 years$12,038$10,534$9,194$8,007$6,959$4,658
14 years$11,063$9,575$8,261$7,108$6,100$3,935
15 years$10,219$8,747$7,459$6,339$5,371$3,335
16 years$9,481$8,025$6,762$5,676$4,747$2,836
17 years$8,831$7,391$6,154$5,100$4,209$2,418
18 years$8,253$6,829$5,617$4,596$3,742$2,066
19 years$7,737$6,330$5,142$4,153$3,336$1,768
20 years$7,273$5,882$4,719$3,761$2,979$1,516
21 years$6,854$5,479$4,341$3,413$2,666$1,301
22 years$6,473$5,114$4,001$3,104$2,390$1,118
23 years$6,127$4,783$3,694$2,826$2,145$961
24 years$5,809$4,481$3,416$2,578$1,928$827
25 years$5,517$4,206$3,164$2,354$1,735$713
26 years$5,248$3,953$2,935$2,153$1,563$614
27 years$5,000$3,720$2,725$1,970$1,409$530
28 years$4,770$3,505$2,533$1,805$1,271$457
29 years$4,556$3,307$2,358$1,655$1,148$394
30 years$4,356$3,123$2,196$1,519$1,037$340
31 years$4,170$2,952$2,047$1,395$938$294
32 years$3,996$2,793$1,910$1,282$848$254
33 years$3,832$2,645$1,783$1,179$768$219
34 years$3,679$2,507$1,666$1,085$695$190
35 years$3,535$2,378$1,558$999$630$164
36 years$3,399$2,257$1,457$920$570$142
37 years$3,271$2,144$1,364$848$517$122
38 years$3,149$2,037$1,277$781$469$106
39 years$3,034$1,937$1,197$720$425$91
40 years$2,926$1,843$1,122$664$386$79
41 years$2,823$1,754$1,052$613$350$68
42 years$2,725$1,671$987$566$317$59
43 years$2,631$1,592$926$522$288$51
44 years$2,543$1,518$869$482$261$44
45 years$2,458$1,447$816$445$237$38
46 years$2,377$1,381$766$411$216$33
47 years$2,301$1,317$720$380$196$29
48 years$2,227$1,258$677$351$178$25
49 years$2,157$1,201$636$325$161$21
50 years$2,089$1,147$598$300$147$19

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,140,000, adding $4,216 every year, while hoping to spend $39,832 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: 65/28/7 Blend
51$2,140,000$2,140,000$2,140,000$2,140,000
52$2,362,629$2,249,209$2,216,039$2,512,950
53$2,561,236$2,317,039$2,247,895$2,681,289
54$2,778,766$2,386,858$2,279,484$2,860,008
55$3,017,107$2,458,721$2,310,753$3,054,215
56$3,278,339$2,532,685$2,341,650$3,265,412
57$3,564,751$2,608,808$2,372,117$3,495,253
58$3,878,865$2,687,150$2,402,093$3,745,557
59$4,223,461$2,767,771$2,431,514$4,018,327
60$4,601,597$2,850,735$2,460,313$4,315,770
61$5,016,644$2,936,106$2,488,418$4,640,314
62$5,472,315$3,023,948$2,515,753$4,994,630
63$5,972,700$3,114,330$2,542,240$5,381,665
64$6,522,304$3,207,321$2,567,793$5,804,657
65$7,126,089$3,302,990$2,592,325$6,267,178
66$7,789,524$3,401,410$2,615,741$6,773,158
67$8,518,631$3,502,655$2,637,944$7,326,926
68$9,320,046$3,606,799$2,658,830$7,933,250
69$10,201,080$3,713,921$2,678,289$8,597,381
70$11,169,786$3,824,100$2,696,208$9,325,104
71$12,235,039$3,937,415$2,712,466$10,122,789
72$13,406,614$4,053,950$2,726,935$10,997,456
73$14,695,283$4,173,788$2,739,482$11,956,835
74$16,112,915$4,297,016$2,749,967$13,009,442
75$17,672,584$4,423,721$2,758,242$14,164,658
76$19,388,698$4,553,994$2,764,154$15,432,820
77$21,277,131$4,687,926$2,767,539$16,825,312
78$23,355,374$4,825,611$2,768,228$18,354,680
79$25,642,700$4,967,143$2,766,041$20,034,743
80$28,160,342$5,112,620$2,760,790$21,880,726
81$30,931,700$5,262,141$2,752,279$23,909,405
82$33,982,555$5,415,807$2,740,302$26,139,263
83$37,341,315$5,573,722$2,724,642$28,590,663
84$41,039,284$5,735,989$2,705,073$31,286,042
85$45,110,955$5,902,716$2,681,356$34,250,122
86$49,594,334$6,074,010$2,653,243$37,510,142
87$54,531,302$6,249,983$2,620,473$41,096,115
88$59,968,009$6,430,747$2,582,773$45,041,110
89$65,955,308$6,616,415$2,539,858$49,381,568
90$72,549,234$6,807,104$2,491,427$54,157,638
91$79,811,534$7,002,931$2,437,169$59,413,563
92$87,810,251$7,204,015$2,376,754$65,198,093
93$96,620,362$7,410,477$2,309,841$71,564,945
94$106,324,489$7,622,440$2,236,070$78,573,312
95$117,013,675$7,840,028$2,155,067$86,288,418
96$128,788,247$8,063,366$2,066,439$94,782,136
97$141,758,760$8,292,583$1,969,776$104,133,664
98$156,047,039$8,527,805$1,864,649$114,430,273
99$171,787,333$8,769,163$1,750,611$125,768,131
100$189,127,576$9,016,788$1,627,192$138,253,209