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%16.3%
1 years$176,719$175,145$173,609$172,110$170,647$166,251
2 years$87,485$85,855$84,276$82,745$81,260$76,862
3 years$57,744$56,107$54,532$53,016$51,555$47,290
4 years$42,876$41,245$39,686$38,195$36,769$32,671
5 years$33,958$32,337$30,798$29,337$27,951$24,032
6 years$28,015$26,405$24,889$23,461$22,117$18,379
7 years$23,771$22,175$20,683$19,289$17,987$14,431
8 years$20,590$19,008$17,541$16,181$14,922$11,547
9 years$18,116$16,550$15,108$13,783$12,567$9,369
10 years$16,139$14,588$13,171$11,881$10,707$7,684
11 years$14,522$12,987$11,596$10,340$9,209$6,354
12 years$13,176$11,656$10,291$9,069$7,980$5,290
13 years$12,038$10,534$9,194$8,007$6,959$4,427
14 years$11,063$9,575$8,261$7,108$6,100$3,722
15 years$10,219$8,747$7,459$6,339$5,371$3,140
16 years$9,481$8,025$6,762$5,676$4,747$2,656
17 years$8,831$7,391$6,154$5,100$4,209$2,253
18 years$8,253$6,829$5,617$4,596$3,742$1,915
19 years$7,737$6,330$5,142$4,153$3,336$1,630
20 years$7,273$5,882$4,719$3,761$2,979$1,390
21 years$6,854$5,479$4,341$3,413$2,666$1,187
22 years$6,473$5,114$4,001$3,104$2,390$1,014
23 years$6,127$4,783$3,694$2,826$2,145$868
24 years$5,809$4,481$3,416$2,578$1,928$743
25 years$5,517$4,206$3,164$2,354$1,735$636
26 years$5,248$3,953$2,935$2,153$1,563$545
27 years$5,000$3,720$2,725$1,970$1,409$467
28 years$4,770$3,505$2,533$1,805$1,271$401
29 years$4,556$3,307$2,358$1,655$1,148$344
30 years$4,356$3,123$2,196$1,519$1,037$295
31 years$4,170$2,952$2,047$1,395$938$254
32 years$3,996$2,793$1,910$1,282$848$218
33 years$3,832$2,645$1,783$1,179$768$187
34 years$3,679$2,507$1,666$1,085$695$161
35 years$3,535$2,378$1,558$999$630$138
36 years$3,399$2,257$1,457$920$570$119
37 years$3,271$2,144$1,364$848$517$102
38 years$3,149$2,037$1,277$781$469$88
39 years$3,034$1,937$1,197$720$425$75
40 years$2,926$1,843$1,122$664$386$65
41 years$2,823$1,754$1,052$613$350$56
42 years$2,725$1,671$987$566$317$48
43 years$2,631$1,592$926$522$288$41
44 years$2,543$1,518$869$482$261$35
45 years$2,458$1,447$816$445$237$30
46 years$2,377$1,381$766$411$216$26
47 years$2,301$1,317$720$380$196$22
48 years$2,227$1,258$677$351$178$19
49 years$2,157$1,201$636$325$161$17
50 years$2,089$1,147$598$300$147$14

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 $5,282 every year, while hoping to spend $21,242 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: 37/47/16 Blend
51$2,140,000$2,140,000$2,140,000$2,140,000
52$2,363,728$2,250,308$2,217,138$2,439,522
53$2,582,227$2,337,972$2,268,811$2,582,233
54$2,822,301$2,429,220$2,321,503$2,733,869
55$3,086,128$2,524,204$2,375,226$2,897,204
56$3,376,108$2,623,085$2,429,991$3,073,297
57$3,694,885$2,726,029$2,485,809$3,263,312
58$4,045,371$2,833,212$2,542,691$3,468,523
59$4,430,775$2,944,816$2,600,647$3,690,330
60$4,854,632$3,061,030$2,659,688$3,930,271
61$5,320,839$3,182,055$2,719,821$4,190,032
62$5,833,686$3,308,097$2,781,057$4,471,470
63$6,397,902$3,439,374$2,843,403$4,776,619
64$7,018,698$3,576,113$2,906,866$5,107,717
65$7,701,814$3,718,551$2,971,455$5,467,223
66$8,453,574$3,866,935$3,037,174$5,857,839
67$9,280,948$4,021,525$3,104,029$6,282,536
68$10,191,616$4,182,591$3,172,025$6,744,578
69$11,194,038$4,350,415$3,241,165$7,247,556
70$12,297,537$4,525,293$3,311,451$7,795,417
71$13,512,388$4,707,534$3,382,887$8,392,502
72$14,849,909$4,897,460$3,455,471$9,043,587
73$16,322,573$5,095,410$3,529,203$9,753,924
74$17,944,126$5,301,735$3,604,081$10,529,290
75$19,729,711$5,516,804$3,680,103$11,376,041
76$21,696,018$5,741,004$3,757,262$12,301,173
77$23,861,435$5,974,736$3,835,554$13,312,379
78$26,246,226$6,218,423$3,914,969$14,418,130
79$28,872,719$6,472,504$3,995,499$15,627,745
80$31,765,521$6,737,441$4,077,132$16,951,482
81$34,951,743$7,013,715$4,159,856$18,400,631
82$38,461,264$7,301,830$4,243,653$19,987,621
83$42,327,005$7,602,312$4,328,508$21,726,133
84$46,585,247$7,915,712$4,414,401$23,631,227
85$51,275,968$8,242,608$4,501,309$25,719,485
86$56,443,221$8,583,600$4,589,207$28,009,162
87$62,135,553$8,939,320$4,678,069$30,520,359
88$68,406,459$9,310,427$4,767,864$33,275,209
89$75,314,890$9,697,609$4,858,559$36,298,082
90$82,925,806$10,101,590$4,950,119$39,615,815
91$91,310,793$10,523,122$5,042,502$43,257,963
92$100,548,735$10,962,996$5,135,667$47,257,071
93$110,726,560$11,422,038$5,229,567$51,648,984
94$121,940,063$11,901,110$5,324,150$56,473,178
95$134,294,803$12,401,119$5,419,363$61,773,131
96$147,907,108$12,923,009$5,515,147$67,596,731
97$162,905,166$13,467,769$5,611,437$73,996,724
98$179,430,239$14,036,436$5,708,167$81,031,207
99$197,637,996$14,630,094$5,805,263$88,764,174
100$217,699,978$15,249,875$5,902,646$97,266,118