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%11.9%
1 years$177,545$175,964$174,421$172,915$171,444$170,079
2 years$87,894$86,257$84,670$83,132$81,640$80,264
3 years$58,014$56,370$54,787$53,263$51,796$50,451
4 years$43,077$41,438$39,871$38,373$36,941$35,638
5 years$34,117$32,488$30,942$29,474$28,082$26,825
6 years$28,145$26,529$25,005$23,571$22,220$21,011
7 years$23,882$22,279$20,780$19,379$18,071$16,910
8 years$20,686$19,097$17,623$16,257$14,992$13,878
9 years$18,201$16,627$15,178$13,847$12,625$11,560
10 years$16,215$14,656$13,233$11,936$10,757$9,739
11 years$14,590$13,048$11,650$10,388$9,252$8,279
12 years$13,238$11,711$10,339$9,112$8,017$7,090
13 years$12,094$10,583$9,237$8,044$6,991$6,109
14 years$11,115$9,620$8,300$7,141$6,128$5,289
15 years$10,267$8,788$7,494$6,368$5,396$4,599
16 years$9,525$8,063$6,794$5,702$4,769$4,013
17 years$8,872$7,425$6,182$5,123$4,229$3,512
18 years$8,292$6,861$5,644$4,617$3,760$3,082
19 years$7,773$6,359$5,166$4,172$3,351$2,710
20 years$7,307$5,909$4,742$3,779$2,993$2,388
21 years$6,886$5,504$4,361$3,429$2,679$2,108
22 years$6,504$5,138$4,020$3,118$2,401$1,863
23 years$6,155$4,805$3,711$2,840$2,155$1,649
24 years$5,836$4,502$3,432$2,590$1,937$1,461
25 years$5,543$4,225$3,179$2,365$1,743$1,295
26 years$5,273$3,971$2,948$2,163$1,570$1,150
27 years$5,023$3,737$2,738$1,980$1,416$1,021
28 years$4,792$3,522$2,545$1,814$1,277$908
29 years$4,577$3,322$2,369$1,663$1,153$807
30 years$4,376$3,137$2,206$1,526$1,042$719
31 years$4,189$2,966$2,057$1,402$942$640
32 years$4,014$2,806$1,919$1,288$852$570
33 years$3,850$2,658$1,792$1,185$771$508
34 years$3,696$2,519$1,674$1,090$698$452
35 years$3,551$2,389$1,565$1,003$633$403
36 years$3,415$2,268$1,464$924$573$360
37 years$3,286$2,154$1,370$852$519$321
38 years$3,164$2,047$1,283$785$471$286
39 years$3,049$1,946$1,202$724$427$255
40 years$2,939$1,852$1,127$667$387$228
41 years$2,836$1,763$1,057$616$351$203
42 years$2,737$1,679$991$568$319$182
43 years$2,644$1,599$930$525$289$162
44 years$2,555$1,525$873$484$263$145
45 years$2,470$1,454$820$447$238$129
46 years$2,389$1,387$770$413$217$115
47 years$2,311$1,324$723$382$197$103
48 years$2,237$1,264$680$353$179$92
49 years$2,167$1,207$639$326$162$82
50 years$2,099$1,153$601$301$147$73

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 $4,509 every year, while hoping to spend $26,079 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: 23/47/30 Blend
51$2,150,000$2,150,000$2,150,000$2,150,000
52$2,373,951$2,260,001$2,226,676$2,406,068
53$2,588,346$2,342,993$2,273,522$2,517,682
54$2,823,736$2,429,178$2,321,063$2,634,625
55$3,082,233$2,518,684$2,369,295$2,759,279
56$3,366,167$2,611,646$2,418,213$2,892,297
57$3,678,104$2,708,204$2,467,810$3,034,399
58$4,020,868$2,808,504$2,518,080$3,186,368
59$4,397,574$2,912,698$2,569,012$3,349,068
60$4,811,650$3,020,944$2,620,598$3,523,443
61$5,266,877$3,133,408$2,672,827$3,710,528
62$5,767,416$3,250,264$2,725,684$3,911,459
63$6,317,855$3,371,689$2,779,157$4,127,485
64$6,923,247$3,497,872$2,833,230$4,359,972
65$7,589,160$3,629,009$2,887,884$4,610,424
66$8,321,727$3,765,304$2,943,102$4,880,489
67$9,127,708$3,906,969$2,998,861$5,171,980
68$10,014,550$4,054,226$3,055,138$5,486,887
69$10,990,458$4,207,307$3,111,909$5,827,395
70$12,064,473$4,366,453$3,169,146$6,195,906
71$13,246,557$4,531,917$3,226,820$6,595,061
72$14,547,686$4,703,961$3,284,898$7,027,761
73$15,979,954$4,882,859$3,343,347$7,497,197
74$17,556,688$5,068,898$3,402,128$8,006,876
75$19,292,573$5,262,377$3,461,202$8,560,655
76$21,203,789$5,463,606$3,520,525$9,162,775
77$23,308,165$5,672,913$3,580,052$9,817,901
78$25,625,347$5,890,635$3,639,734$10,531,166
79$28,176,984$6,117,128$3,699,516$11,308,215
80$30,986,930$6,352,761$3,759,344$12,155,258
81$34,081,472$6,597,921$3,819,157$13,079,131
82$37,489,574$6,853,011$3,878,890$14,087,354
83$41,243,154$7,118,451$3,938,476$15,188,202
84$45,377,382$7,394,683$3,997,842$16,390,786
85$49,931,016$7,682,163$4,056,911$17,705,130
86$54,946,762$7,981,372$4,115,600$19,142,270
87$60,471,683$8,292,809$4,173,823$20,714,354
88$66,557,636$8,616,998$4,231,488$22,434,755
89$73,261,768$8,954,485$4,288,496$24,318,197
90$80,647,052$9,305,839$4,344,745$26,380,890
91$88,782,882$9,671,655$4,400,124$28,640,682
92$97,745,726$10,052,556$4,454,518$31,117,226
93$107,619,850$10,449,192$4,507,805$33,832,162
94$118,498,113$10,862,240$4,559,854$36,809,320
95$130,482,842$11,292,411$4,610,530$40,074,945
96$143,686,797$11,740,444$4,659,688$43,657,936
97$158,234,239$12,207,115$4,707,176$47,590,125
98$174,262,098$12,693,230$4,752,834$51,906,565
99$191,921,270$13,199,637$4,796,492$56,645,869
100$211,378,038$13,727,217$4,837,973$61,850,561