Can I retire at age 52 with 2,170,000?

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 $2,170,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15%
1 years$179,197$177,600$176,043$174,523$173,039$169,476
2 years$88,711$87,059$85,458$83,905$82,399$78,826
3 years$58,553$56,894$55,297$53,759$52,278$48,805
4 years$43,477$41,823$40,242$38,730$37,285$33,940
5 years$34,434$32,790$31,229$29,749$28,343$25,136
6 years$28,407$26,775$25,238$23,790$22,427$19,360
7 years$24,104$22,486$20,973$19,559$18,239$15,314
8 years$20,878$19,275$17,787$16,408$15,131$12,346
9 years$18,370$16,782$15,320$13,976$12,743$10,096
10 years$16,365$14,793$13,356$12,047$10,857$8,347
11 years$14,726$13,169$11,758$10,485$9,338$6,960
12 years$13,361$11,820$10,435$9,196$8,092$5,844
13 years$12,207$10,682$9,323$8,119$7,056$4,934
14 years$11,218$9,709$8,377$7,207$6,185$4,184
15 years$10,362$8,870$7,563$6,428$5,446$3,562
16 years$9,614$8,138$6,857$5,755$4,813$3,042
17 years$8,954$7,494$6,240$5,171$4,268$2,604
18 years$8,369$6,925$5,696$4,660$3,795$2,235
19 years$7,846$6,418$5,215$4,211$3,382$1,921
20 years$7,375$5,964$4,786$3,814$3,021$1,654
21 years$6,950$5,555$4,402$3,461$2,704$1,426
22 years$6,564$5,186$4,057$3,147$2,423$1,231
23 years$6,212$4,850$3,746$2,866$2,175$1,064
24 years$5,890$4,544$3,464$2,614$1,955$920
25 years$5,595$4,265$3,209$2,387$1,759$796
26 years$5,322$4,008$2,976$2,183$1,585$690
27 years$5,070$3,772$2,763$1,998$1,429$598
28 years$4,836$3,554$2,569$1,831$1,289$518
29 years$4,619$3,353$2,391$1,679$1,164$449
30 years$4,417$3,167$2,227$1,541$1,052$390
31 years$4,228$2,994$2,076$1,415$951$338
32 years$4,052$2,832$1,937$1,300$860$294
33 years$3,886$2,682$1,808$1,196$779$255
34 years$3,731$2,542$1,690$1,100$705$221
35 years$3,584$2,411$1,580$1,013$638$192
36 years$3,446$2,289$1,478$933$578$167
37 years$3,316$2,174$1,383$859$524$145
38 years$3,193$2,066$1,295$792$475$126
39 years$3,077$1,964$1,214$730$431$110
40 years$2,967$1,869$1,138$674$391$95
41 years$2,862$1,779$1,067$622$355$83
42 years$2,763$1,694$1,001$574$322$72
43 years$2,668$1,614$939$530$292$63
44 years$2,578$1,539$881$489$265$54
45 years$2,493$1,467$827$452$241$47
46 years$2,411$1,400$777$417$219$41
47 years$2,333$1,336$730$385$198$36
48 years$2,258$1,275$686$356$180$31
49 years$2,187$1,218$645$329$164$27
50 years$2,119$1,163$606$304$149$23

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,170,000, adding $2,943 every year, while hoping to spend $26,889 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: 64/11/25 Blend
51$2,170,000$2,170,000$2,170,000$2,170,000
52$2,394,376$2,279,366$2,245,731$2,531,722
53$2,609,992$2,362,445$2,292,353$2,707,926
54$2,846,701$2,448,694$2,339,636$2,897,112
55$3,106,624$2,538,239$2,387,573$3,103,222
56$3,392,100$2,631,214$2,436,158$3,327,920
57$3,705,706$2,727,755$2,485,380$3,573,036
58$4,050,279$2,828,006$2,535,232$3,840,586
59$4,428,946$2,932,117$2,585,701$4,132,789
60$4,845,152$3,040,244$2,636,776$4,452,090
61$5,302,692$3,152,550$2,688,441$4,801,179
62$5,805,745$3,269,204$2,740,683$5,183,023
63$6,358,918$3,390,382$2,793,483$5,600,884
64$6,967,286$3,516,269$2,846,823$6,058,359
65$7,636,440$3,647,057$2,900,683$6,559,408
66$8,372,540$3,782,947$2,955,039$7,108,392
67$9,182,374$3,924,145$3,009,867$7,710,117
68$10,073,420$4,070,872$3,065,141$8,369,876
69$11,053,917$4,223,353$3,120,832$9,093,499
70$12,132,944$4,381,825$3,176,908$9,887,407
71$13,320,506$4,546,536$3,233,335$10,758,676
72$14,627,624$4,717,743$3,290,078$11,715,102
73$16,066,443$4,895,714$3,347,098$12,765,269
74$17,650,346$5,080,730$3,404,351$13,918,639
75$19,394,079$5,273,083$3,461,794$15,185,633
76$21,313,890$5,473,078$3,519,379$16,577,733
77$23,427,682$5,681,035$3,577,054$18,107,592
78$25,755,184$5,897,283$3,634,763$19,789,146
79$28,318,134$6,122,172$3,692,449$21,637,752
80$31,140,486$6,356,061$3,750,049$23,670,331
81$34,248,637$6,599,329$3,807,496$25,905,526
82$37,671,671$6,852,369$3,864,721$28,363,877
83$41,441,639$7,115,593$3,921,647$31,068,017
84$45,593,859$7,389,430$3,978,195$34,042,884
85$50,167,248$7,674,328$4,034,280$37,315,956
86$55,204,692$7,970,754$4,089,813$40,917,509
87$60,753,447$8,279,198$4,144,698$44,880,906
88$66,865,589$8,600,168$4,198,835$49,242,906
89$73,598,500$8,934,198$4,252,118$54,044,015
90$81,015,416$9,281,843$4,304,432$59,328,867
91$89,186,018$9,643,683$4,355,661$65,146,642
92$98,187,093$10,020,324$4,405,677$71,551,535
93$108,103,257$10,412,400$4,454,347$78,603,263
94$119,027,754$10,820,573$4,501,532$86,367,629
95$131,063,335$11,245,531$4,547,084$94,917,143
96$144,323,230$11,687,997$4,590,846$104,331,707
97$158,932,215$12,148,724$4,632,654$114,699,368
98$175,027,788$12,628,499$4,672,336$126,117,147
99$192,761,472$13,128,144$4,709,708$138,691,957
100$212,300,238$13,648,519$4,744,579$152,541,610