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

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 $2,150,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.7%
1 years$177,545$175,964$174,421$172,915$171,444$166,089
2 years$87,894$86,257$84,670$83,132$81,640$76,293
3 years$58,014$56,370$54,787$53,263$51,796$46,624
4 years$43,077$41,438$39,871$38,373$36,941$31,984
5 years$34,117$32,488$30,942$29,474$28,082$23,353
6 years$28,145$26,529$25,005$23,571$22,220$17,724
7 years$23,882$22,279$20,780$19,379$18,071$13,807
8 years$20,686$19,097$17,623$16,257$14,992$10,957
9 years$18,201$16,627$15,178$13,847$12,625$8,815
10 years$16,215$14,656$13,233$11,936$10,757$7,166
11 years$14,590$13,048$11,650$10,388$9,252$5,873
12 years$13,238$11,711$10,339$9,112$8,017$4,844
13 years$12,094$10,583$9,237$8,044$6,991$4,016
14 years$11,115$9,620$8,300$7,141$6,128$3,344
15 years$10,267$8,788$7,494$6,368$5,396$2,793
16 years$9,525$8,063$6,794$5,702$4,769$2,340
17 years$8,872$7,425$6,182$5,123$4,229$1,964
18 years$8,292$6,861$5,644$4,617$3,760$1,652
19 years$7,773$6,359$5,166$4,172$3,351$1,392
20 years$7,307$5,909$4,742$3,779$2,993$1,174
21 years$6,886$5,504$4,361$3,429$2,679$992
22 years$6,504$5,138$4,020$3,118$2,401$838
23 years$6,155$4,805$3,711$2,840$2,155$709
24 years$5,836$4,502$3,432$2,590$1,937$600
25 years$5,543$4,225$3,179$2,365$1,743$509
26 years$5,273$3,971$2,948$2,163$1,570$431
27 years$5,023$3,737$2,738$1,980$1,416$365
28 years$4,792$3,522$2,545$1,814$1,277$310
29 years$4,577$3,322$2,369$1,663$1,153$263
30 years$4,376$3,137$2,206$1,526$1,042$223
31 years$4,189$2,966$2,057$1,402$942$189
32 years$4,014$2,806$1,919$1,288$852$161
33 years$3,850$2,658$1,792$1,185$771$136
34 years$3,696$2,519$1,674$1,090$698$116
35 years$3,551$2,389$1,565$1,003$633$98
36 years$3,415$2,268$1,464$924$573$83
37 years$3,286$2,154$1,370$852$519$71
38 years$3,164$2,047$1,283$785$471$60
39 years$3,049$1,946$1,202$724$427$51
40 years$2,939$1,852$1,127$667$387$43
41 years$2,836$1,763$1,057$616$351$37
42 years$2,737$1,679$991$568$319$31
43 years$2,644$1,599$930$525$289$27
44 years$2,555$1,525$873$484$263$23
45 years$2,470$1,454$820$447$238$19
46 years$2,389$1,387$770$413$217$16
47 years$2,311$1,324$723$382$197$14
48 years$2,237$1,264$680$353$179$12
49 years$2,167$1,207$639$326$162$10
50 years$2,099$1,153$601$301$147$9

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 $6,147 every year, while hoping to spend $51,500 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: 31/42/27 Blend
51$2,150,000$2,150,000$2,150,000$2,150,000
52$2,375,641$2,261,691$2,228,366$2,429,448
53$2,563,160$2,317,718$2,248,220$2,527,478
54$2,768,081$2,374,764$2,267,014$2,627,966
55$2,992,123$2,432,826$2,284,657$2,735,116
56$3,237,181$2,491,896$2,301,054$2,849,546
57$3,505,341$2,551,966$2,316,107$2,971,937
58$3,798,898$2,613,025$2,329,709$3,103,039
59$4,120,383$2,675,060$2,341,752$3,243,680
60$4,472,581$2,738,057$2,352,119$3,394,773
61$4,858,558$2,801,995$2,360,689$3,557,323
62$5,281,692$2,866,855$2,367,333$3,732,440
63$5,745,705$2,932,610$2,371,919$3,921,345
64$6,254,693$2,999,234$2,374,304$4,125,389
65$6,813,170$3,066,695$2,374,342$4,346,057
66$7,426,107$3,134,957$2,371,876$4,584,989
67$8,098,981$3,203,981$2,366,745$4,843,993
68$8,837,823$3,273,722$2,358,777$5,125,062
69$9,649,279$3,344,132$2,347,794$5,430,397
70$10,540,668$3,415,157$2,333,607$5,762,420
71$11,520,054$3,486,738$2,316,021$6,123,807
72$12,596,322$3,558,810$2,294,830$6,517,507
73$13,779,257$3,631,302$2,269,817$6,946,770
74$15,079,642$3,704,137$2,240,757$7,415,185
75$16,509,355$3,777,230$2,207,412$7,926,705
76$18,081,485$3,850,489$2,169,536$8,485,692
77$19,810,449$3,923,816$2,126,868$9,096,957
78$21,712,134$3,997,102$2,079,137$9,765,802
79$23,804,043$4,070,232$2,026,060$10,498,078
80$26,105,461$4,143,078$1,967,338$11,300,234
81$28,637,636$4,215,507$1,902,662$12,179,383
82$31,423,979$4,287,371$1,831,705$13,143,367
83$34,490,286$4,358,514$1,754,129$14,200,836
84$37,864,981$4,428,766$1,669,577$15,361,325
85$41,579,379$4,497,946$1,577,679$16,635,350
86$45,667,990$4,565,859$1,478,045$18,034,505
87$50,168,835$4,632,297$1,370,270$19,571,575
88$55,123,812$4,697,035$1,253,930$21,260,656
89$60,579,086$4,759,835$1,128,582$23,117,290
90$66,585,527$4,820,441$993,763$25,158,614
91$73,199,186$4,878,578$848,989$27,403,522
92$80,481,830$4,933,955$693,757$29,872,843
93$88,501,518$4,986,260$527,539$32,589,546
94$97,333,246$5,035,160$349,785$35,578,949
95$107,059,654$5,080,300$159,920$38,868,969
96$117,771,806$5,121,302$0$42,490,380
97$129,570,048$5,157,764$0$46,489,413
98$142,564,954$5,189,255$0$50,941,136
99$156,878,371$5,215,321$0$55,840,852
100$172,644,569$5,235,476$0$61,234,214