Can I retire at age 52 with 2,160,000?

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 $2,160,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.3%
1 years$178,371$176,782$175,232$173,719$172,241$165,801
2 years$88,302$86,658$85,064$83,519$82,020$75,604
3 years$58,283$56,632$55,042$53,511$52,037$45,849
4 years$43,277$41,630$40,057$38,552$37,113$31,200
5 years$34,275$32,639$31,085$29,611$28,213$22,589
6 years$28,276$26,652$25,122$23,681$22,324$16,994
7 years$23,993$22,382$20,876$19,469$18,155$13,118
8 years$20,782$19,186$17,705$16,332$15,061$10,312
9 years$18,286$16,705$15,249$13,911$12,684$8,215
10 years$16,290$14,724$13,294$11,992$10,807$6,612
11 years$14,658$13,108$11,704$10,436$9,295$5,363
12 years$13,299$11,765$10,387$9,154$8,055$4,377
13 years$12,150$10,632$9,280$8,082$7,024$3,589
14 years$11,166$9,664$8,338$7,174$6,157$2,955
15 years$10,314$8,829$7,528$6,398$5,421$2,440
16 years$9,570$8,100$6,826$5,729$4,791$2,021
17 years$8,913$7,460$6,211$5,147$4,248$1,677
18 years$8,330$6,893$5,670$4,639$3,777$1,394
19 years$7,809$6,389$5,191$4,191$3,367$1,160
20 years$7,341$5,937$4,764$3,796$3,007$967
21 years$6,918$5,530$4,382$3,445$2,691$806
22 years$6,534$5,162$4,038$3,133$2,412$673
23 years$6,184$4,828$3,729$2,853$2,165$562
24 years$5,863$4,523$3,448$2,602$1,946$470
25 years$5,569$4,245$3,194$2,376$1,751$393
26 years$5,297$3,990$2,962$2,173$1,578$329
27 years$5,047$3,755$2,751$1,989$1,422$275
28 years$4,814$3,538$2,557$1,822$1,283$230
29 years$4,598$3,338$2,380$1,671$1,159$193
30 years$4,397$3,152$2,216$1,533$1,047$161
31 years$4,209$2,980$2,066$1,408$947$135
32 years$4,033$2,819$1,928$1,294$856$113
33 years$3,868$2,670$1,800$1,190$775$95
34 years$3,713$2,531$1,682$1,095$702$80
35 years$3,568$2,400$1,573$1,008$636$67
36 years$3,431$2,278$1,471$928$576$56
37 years$3,301$2,164$1,377$855$522$47
38 years$3,179$2,056$1,289$788$473$39
39 years$3,063$1,955$1,208$727$429$33
40 years$2,953$1,860$1,132$671$389$28
41 years$2,849$1,771$1,062$619$353$23
42 years$2,750$1,687$996$571$320$19
43 years$2,656$1,607$935$527$291$16
44 years$2,566$1,532$877$487$264$14
45 years$2,481$1,461$824$449$240$11
46 years$2,400$1,393$774$415$218$10
47 years$2,322$1,330$727$384$198$8
48 years$2,248$1,269$683$354$179$7
49 years$2,177$1,212$642$328$163$6
50 years$2,109$1,158$604$303$148$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,160,000, adding $5,108 every year, while hoping to spend $51,149 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: 53/25/22 Blend
51$2,160,000$2,160,000$2,160,000$2,160,000
52$2,385,589$2,271,109$2,237,629$2,497,307
53$2,574,497$2,327,971$2,258,167$2,631,620
54$2,780,959$2,385,905$2,277,679$2,771,963
55$3,006,712$2,444,910$2,296,077$2,923,603
56$3,253,668$2,504,982$2,313,267$3,087,637
57$3,523,932$2,566,116$2,329,151$3,265,270
58$3,819,822$2,628,304$2,343,627$3,457,831
59$4,143,891$2,691,539$2,356,586$3,666,784
60$4,498,951$2,755,806$2,367,913$3,893,742
61$4,888,096$2,821,093$2,377,491$4,140,482
62$5,314,737$2,887,382$2,385,192$4,408,963
63$5,782,629$2,954,653$2,390,885$4,701,343
64$6,295,909$3,022,882$2,394,431$5,020,001
65$6,859,132$3,092,044$2,395,685$5,367,557
66$7,477,316$3,162,107$2,394,493$5,746,900
67$8,155,989$3,233,037$2,390,696$6,161,214
68$8,901,241$3,304,797$2,384,125$6,614,006
69$9,719,779$3,377,343$2,374,605$7,109,142
70$10,618,992$3,450,628$2,361,949$7,650,886
71$11,607,020$3,524,600$2,345,966$8,243,932
72$12,692,831$3,599,200$2,326,450$8,893,459
73$13,886,305$3,674,366$2,303,191$9,605,170
74$15,198,325$3,750,027$2,275,965$10,385,355
75$16,640,883$3,826,107$2,244,539$11,240,945
76$18,227,190$3,902,524$2,208,668$12,179,578
77$19,971,803$3,979,187$2,168,098$13,209,674
78$21,890,757$4,055,997$2,122,559$14,340,514
79$24,001,722$4,132,849$2,071,773$15,582,325
80$26,324,166$4,209,626$2,015,445$16,946,382
81$28,879,538$4,286,206$1,953,271$18,445,111
82$31,691,473$4,362,452$1,884,928$20,092,208
83$34,786,012$4,438,221$1,810,081$21,902,767
84$38,191,847$4,513,355$1,728,381$23,893,427
85$41,940,594$4,587,688$1,639,459$26,082,526
86$46,067,087$4,661,038$1,542,934$28,490,276
87$50,609,713$4,733,211$1,438,405$31,138,954
88$55,610,765$4,804,000$1,325,453$34,053,114
89$61,116,849$4,873,182$1,203,642$37,259,818
90$67,179,318$4,940,518$1,072,514$40,788,893
91$73,854,758$5,005,753$931,593$44,673,215
92$81,205,521$5,068,614$780,380$48,949,017
93$89,300,317$5,128,808$618,355$53,656,233
94$98,214,854$5,186,025$444,975$58,838,878
95$108,032,561$5,239,931$259,673$64,545,462
96$118,845,366$5,290,172$61,856$70,829,453
97$130,754,573$5,336,370$0$77,749,775
98$143,871,809$5,378,121$0$85,406,410
99$158,320,081$5,414,997$0$93,853,675
100$174,234,937$5,446,539$0$103,156,081