Can I retire at age 52 with 2,150,000?

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 $2,150,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.5%
1 years$177,545$175,964$174,421$172,915$171,444$166,893
2 years$87,894$86,257$84,670$83,132$81,640$77,087
3 years$58,014$56,370$54,787$53,263$51,796$47,383
4 years$43,077$41,438$39,871$38,373$36,941$32,702
5 years$34,117$32,488$30,942$29,474$28,082$24,029
6 years$28,145$26,529$25,005$23,571$22,220$18,357
7 years$23,882$22,279$20,780$19,379$18,071$14,398
8 years$20,686$19,097$17,623$16,257$14,992$11,507
9 years$18,201$16,627$15,178$13,847$12,625$9,325
10 years$16,215$14,656$13,233$11,936$10,757$7,638
11 years$14,590$13,048$11,650$10,388$9,252$6,308
12 years$13,238$11,711$10,339$9,112$8,017$5,245
13 years$12,094$10,583$9,237$8,044$6,991$4,384
14 years$11,115$9,620$8,300$7,141$6,128$3,680
15 years$10,267$8,788$7,494$6,368$5,396$3,100
16 years$9,525$8,063$6,794$5,702$4,769$2,619
17 years$8,872$7,425$6,182$5,123$4,229$2,218
18 years$8,292$6,861$5,644$4,617$3,760$1,883
19 years$7,773$6,359$5,166$4,172$3,351$1,601
20 years$7,307$5,909$4,742$3,779$2,993$1,363
21 years$6,886$5,504$4,361$3,429$2,679$1,162
22 years$6,504$5,138$4,020$3,118$2,401$991
23 years$6,155$4,805$3,711$2,840$2,155$846
24 years$5,836$4,502$3,432$2,590$1,937$723
25 years$5,543$4,225$3,179$2,365$1,743$619
26 years$5,273$3,971$2,948$2,163$1,570$529
27 years$5,023$3,737$2,738$1,980$1,416$453
28 years$4,792$3,522$2,545$1,814$1,277$388
29 years$4,577$3,322$2,369$1,663$1,153$332
30 years$4,376$3,137$2,206$1,526$1,042$285
31 years$4,189$2,966$2,057$1,402$942$244
32 years$4,014$2,806$1,919$1,288$852$209
33 years$3,850$2,658$1,792$1,185$771$179
34 years$3,696$2,519$1,674$1,090$698$154
35 years$3,551$2,389$1,565$1,003$633$132
36 years$3,415$2,268$1,464$924$573$113
37 years$3,286$2,154$1,370$852$519$97
38 years$3,164$2,047$1,283$785$471$83
39 years$3,049$1,946$1,202$724$427$72
40 years$2,939$1,852$1,127$667$387$61
41 years$2,836$1,763$1,057$616$351$53
42 years$2,737$1,679$991$568$319$45
43 years$2,644$1,599$930$525$289$39
44 years$2,555$1,525$873$484$263$33
45 years$2,470$1,454$820$447$238$29
46 years$2,389$1,387$770$413$217$25
47 years$2,311$1,324$723$382$197$21
48 years$2,237$1,264$680$353$179$18
49 years$2,167$1,207$639$326$162$15
50 years$2,099$1,153$601$301$147$13

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,150,000, adding $4,375 every year, while hoping to spend $58,808 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$2,150,000$2,150,000$2,150,000$2,150,000
52$2,373,813$2,259,863$2,226,538$2,524,836
53$2,553,370$2,308,025$2,238,556$2,673,994
54$2,749,272$2,356,576$2,249,005$2,829,497
55$2,963,122$2,405,473$2,257,771$2,997,842
56$3,196,688$2,454,668$2,264,734$3,180,272
57$3,451,915$2,504,112$2,269,767$3,378,155
58$3,730,943$2,553,746$2,272,737$3,593,000
59$4,036,131$2,603,511$2,273,505$3,826,468
60$4,370,074$2,653,340$2,271,925$4,080,389
61$4,735,630$2,703,162$2,267,843$4,356,777
62$5,135,946$2,752,900$2,261,098$4,657,852
63$5,574,490$2,802,469$2,251,522$4,986,062
64$6,055,077$2,851,779$2,238,937$5,344,101
65$6,581,911$2,900,733$2,223,158$5,734,938
66$7,159,623$2,949,226$2,203,991$6,161,845
67$7,793,312$2,997,145$2,181,232$6,628,428
68$8,488,595$3,044,370$2,154,668$7,138,659
69$9,251,658$3,090,770$2,124,076$7,696,915
70$10,089,315$3,136,207$2,089,221$8,308,020
71$11,009,075$3,180,530$2,049,859$8,977,289
72$12,019,206$3,223,581$2,005,734$9,710,582
73$13,128,816$3,265,188$1,956,578$10,514,354
74$14,347,943$3,305,169$1,902,111$11,395,719
75$15,687,639$3,343,329$1,842,038$12,362,517
76$17,160,085$3,379,459$1,776,053$13,423,390
77$18,778,699$3,413,337$1,703,835$14,587,860
78$20,558,261$3,444,727$1,625,049$15,866,422
79$22,515,060$3,473,374$1,539,344$17,270,644
80$24,667,037$3,499,011$1,446,354$18,813,271
81$27,033,963$3,521,350$1,345,694$20,508,354
82$29,637,618$3,540,087$1,236,966$22,371,377
83$32,502,001$3,554,897$1,119,750$24,419,403
84$35,653,553$3,565,435$993,610$26,671,241
85$39,121,408$3,571,334$858,089$29,147,619
86$42,937,667$3,572,205$712,710$31,871,382
87$47,137,700$3,567,634$556,977$34,867,708
88$51,760,479$3,557,181$390,368$38,164,347
89$56,848,945$3,540,380$212,343$41,791,882
90$62,450,414$3,516,736$22,334$45,784,019
91$68,617,025$3,485,724$0$50,177,909
92$75,406,224$3,446,788$0$55,027,970
93$82,881,315$3,399,337$0$60,368,507
94$91,112,051$3,342,746$0$66,247,630
95$100,175,292$3,276,352$0$72,720,199
96$110,155,733$3,199,455$0$79,846,675
97$121,146,700$3,111,310$0$87,693,689
98$133,251,030$3,011,131$0$96,334,674
99$146,582,044$2,898,085$0$105,850,555
100$161,264,613$2,771,291$0$116,330,519