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

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 $2,170,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.7%
1 years$179,197$177,600$176,043$174,523$173,039$168,310
2 years$88,711$87,059$85,458$83,905$82,399$77,669
3 years$58,553$56,894$55,297$53,759$52,278$47,695
4 years$43,477$41,823$40,242$38,730$37,285$32,884
5 years$34,434$32,790$31,229$29,749$28,343$24,138
6 years$28,407$26,775$25,238$23,790$22,427$18,420
7 years$24,104$22,486$20,973$19,559$18,239$14,431
8 years$20,878$19,275$17,787$16,408$15,131$11,519
9 years$18,370$16,782$15,320$13,976$12,743$9,324
10 years$16,365$14,793$13,356$12,047$10,857$7,628
11 years$14,726$13,169$11,758$10,485$9,338$6,292
12 years$13,361$11,820$10,435$9,196$8,092$5,224
13 years$12,207$10,682$9,323$8,119$7,056$4,361
14 years$11,218$9,709$8,377$7,207$6,185$3,655
15 years$10,362$8,870$7,563$6,428$5,446$3,075
16 years$9,614$8,138$6,857$5,755$4,813$2,594
17 years$8,954$7,494$6,240$5,171$4,268$2,194
18 years$8,369$6,925$5,696$4,660$3,795$1,859
19 years$7,846$6,418$5,215$4,211$3,382$1,578
20 years$7,375$5,964$4,786$3,814$3,021$1,342
21 years$6,950$5,555$4,402$3,461$2,704$1,142
22 years$6,564$5,186$4,057$3,147$2,423$973
23 years$6,212$4,850$3,746$2,866$2,175$830
24 years$5,890$4,544$3,464$2,614$1,955$708
25 years$5,595$4,265$3,209$2,387$1,759$604
26 years$5,322$4,008$2,976$2,183$1,585$516
27 years$5,070$3,772$2,763$1,998$1,429$441
28 years$4,836$3,554$2,569$1,831$1,289$377
29 years$4,619$3,353$2,391$1,679$1,164$323
30 years$4,417$3,167$2,227$1,541$1,052$276
31 years$4,228$2,994$2,076$1,415$951$236
32 years$4,052$2,832$1,937$1,300$860$202
33 years$3,886$2,682$1,808$1,196$779$173
34 years$3,731$2,542$1,690$1,100$705$148
35 years$3,584$2,411$1,580$1,013$638$127
36 years$3,446$2,289$1,478$933$578$109
37 years$3,316$2,174$1,383$859$524$93
38 years$3,193$2,066$1,295$792$475$80
39 years$3,077$1,964$1,214$730$431$68
40 years$2,967$1,869$1,138$674$391$58
41 years$2,862$1,779$1,067$622$355$50
42 years$2,763$1,694$1,001$574$322$43
43 years$2,668$1,614$939$530$292$37
44 years$2,578$1,539$881$489$265$31
45 years$2,493$1,467$827$452$241$27
46 years$2,411$1,400$777$417$219$23
47 years$2,333$1,336$730$385$198$20
48 years$2,258$1,275$686$356$180$17
49 years$2,187$1,218$645$329$164$15
50 years$2,119$1,163$606$304$149$12

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 $5,870 every year, while hoping to spend $29,654 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: 49/43/8 Blend
51$2,170,000$2,170,000$2,170,000$2,170,000
52$2,397,395$2,282,385$2,248,750$2,509,541
53$2,610,378$2,362,670$2,292,531$2,667,154
54$2,844,091$2,445,895$2,336,786$2,834,627
55$3,100,617$2,532,174$2,381,497$3,015,836
56$3,382,252$2,621,622$2,426,649$3,212,072
57$3,691,523$2,714,363$2,472,223$3,424,753
58$4,031,214$2,810,522$2,518,199$3,655,438
59$4,404,393$2,910,233$2,564,553$3,905,842
60$4,814,439$3,013,633$2,611,264$4,177,850
61$5,265,075$3,120,864$2,658,305$4,473,534
62$5,760,403$3,232,076$2,705,648$4,795,173
63$6,304,939$3,347,423$2,753,262$5,145,275
64$6,903,664$3,467,067$2,801,117$5,526,599
65$7,562,060$3,591,176$2,849,177$5,942,178
66$8,286,170$3,719,924$2,897,405$6,395,351
67$9,082,653$3,853,494$2,945,761$6,889,793
68$9,958,842$3,992,074$2,994,203$7,429,545
69$10,922,820$4,135,861$3,042,685$8,019,058
70$11,983,491$4,285,062$3,091,158$8,663,227
71$13,150,667$4,439,890$3,139,572$9,367,444
72$14,435,158$4,600,568$3,187,871$10,137,642
73$15,848,876$4,767,327$3,235,996$10,980,352
74$17,404,944$4,940,409$3,283,885$11,902,766
75$19,117,826$5,120,066$3,331,472$12,912,800
76$21,003,455$5,306,560$3,378,687$14,019,173
77$23,079,389$5,500,164$3,425,455$15,231,481
78$25,364,977$5,701,162$3,471,698$16,560,295
79$27,881,537$5,909,851$3,517,332$18,017,252
80$30,652,560$6,126,540$3,562,269$19,615,171
81$33,703,931$6,351,551$3,606,415$21,368,165
82$37,064,174$6,585,218$3,649,671$23,291,780
83$40,764,718$6,827,892$3,691,934$25,403,137
84$44,840,197$7,079,937$3,733,092$27,721,093
85$49,328,776$7,341,733$3,773,029$30,266,418
86$54,272,509$7,613,675$3,811,623$33,061,989
87$59,717,737$7,896,177$3,848,745$36,133,004
88$65,715,525$8,189,669$3,884,257$39,507,221
89$72,322,145$8,494,599$3,918,015$43,215,217
90$79,599,604$8,811,435$3,949,870$47,290,672
91$87,616,233$9,140,665$3,979,660$51,770,691
92$96,447,329$9,482,797$4,007,218$56,696,149
93$106,175,865$9,838,363$4,032,369$62,112,074
94$116,893,275$10,207,915$4,054,925$68,068,073
95$128,700,317$10,592,030$4,074,692$74,618,798
96$141,708,020$10,991,311$4,091,466$81,824,457
97$156,038,738$11,406,385$4,105,030$89,751,385
98$171,827,299$11,837,907$4,115,158$98,472,663
99$189,222,280$12,286,561$4,121,612$108,068,809
100$208,387,410$12,753,060$4,124,143$118,628,534