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 $3,592 every year, while hoping to spend $22,267 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: 47/46/7 Blend
51$2,140,000$2,140,000$2,140,000$2,140,000
52$2,361,985$2,248,565$2,215,395$2,468,392
53$2,579,216$2,335,053$2,265,919$2,628,289
54$2,817,858$2,425,032$2,317,389$2,799,087
55$3,080,071$2,518,651$2,369,814$2,983,922
56$3,368,236$2,616,063$2,423,200$3,184,099
57$3,684,975$2,717,429$2,477,556$3,401,056
58$4,033,177$2,822,917$2,532,888$3,636,370
59$4,416,023$2,932,702$2,589,203$3,891,775
60$4,837,021$3,046,968$2,646,505$4,169,176
61$5,300,034$3,165,906$2,704,799$4,470,665
62$5,809,317$3,289,715$2,764,090$4,798,546
63$6,369,560$3,418,604$2,824,380$5,155,346
64$6,985,931$3,552,792$2,885,672$5,543,848
65$7,664,122$3,692,504$2,947,968$5,967,111
66$8,410,406$3,837,980$3,011,268$6,428,497
67$9,231,693$3,989,468$3,075,572$6,931,707
68$10,135,600$4,147,226$3,140,878$7,480,809
69$11,130,517$4,311,526$3,207,183$8,080,281
70$12,225,690$4,482,650$3,274,484$8,735,048
71$13,431,306$4,660,896$3,342,775$9,450,528
72$14,758,591$4,846,571$3,412,049$10,232,684
73$16,219,913$5,039,999$3,482,299$11,088,078
74$17,828,903$5,241,518$3,553,514$12,023,932
75$19,600,578$5,451,479$3,625,684$13,048,193
76$21,551,487$5,670,252$3,698,794$14,169,611
77$23,699,866$5,898,221$3,772,831$15,397,814
78$26,065,809$6,135,791$3,847,778$16,743,403
79$28,671,457$6,383,380$3,923,614$18,218,049
80$31,541,210$6,641,431$4,000,320$19,834,600
81$34,701,954$6,910,401$4,077,871$21,607,200
82$38,183,315$7,190,772$4,156,241$23,551,426
83$42,017,941$7,483,048$4,235,403$25,684,427
84$46,241,806$7,787,752$4,315,324$28,025,087
85$50,894,553$8,105,435$4,395,970$30,594,203
86$56,019,867$8,436,671$4,477,305$33,414,673
87$61,665,887$8,782,061$4,559,287$36,511,719
88$67,885,658$9,142,232$4,641,874$39,913,115
89$74,737,636$9,517,843$4,725,018$43,649,452
90$82,286,237$9,909,579$4,808,668$47,754,420
91$90,602,443$10,318,159$4,892,769$52,265,128
92$99,764,478$10,744,334$4,977,262$57,222,448
93$109,858,538$11,188,890$5,062,084$62,671,400
94$120,979,613$11,652,649$5,147,168$68,661,575
95$133,232,375$12,136,471$5,232,440$75,247,597
96$146,732,174$12,641,254$5,317,823$82,489,638
97$161,606,120$13,167,940$5,403,234$90,453,982
98$177,994,288$13,717,513$5,488,586$99,213,648
99$196,051,035$14,291,001$5,573,783$108,849,074
100$215,946,462$14,889,482$5,658,727$119,448,874