Can I retire at age 52 with 2,180,000?

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 $2,180,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.9%
1 years$180,022$178,419$176,854$175,327$173,836$171,027
2 years$89,120$87,460$85,852$84,292$82,779$79,956
3 years$58,823$57,156$55,552$54,007$52,519$49,770
4 years$43,678$42,016$40,427$38,909$37,457$34,804
5 years$34,593$32,941$31,373$29,886$28,474$25,925
6 years$28,538$26,899$25,354$23,900$22,530$20,088
7 years$24,215$22,590$21,070$19,649$18,323$15,988
8 years$20,974$19,363$17,869$16,483$15,201$12,972
9 years$18,455$16,859$15,390$14,040$12,801$10,678
10 years$16,441$14,861$13,418$12,103$10,907$8,888
11 years$14,794$13,230$11,813$10,533$9,381$7,462
12 years$13,422$11,874$10,483$9,239$8,129$6,310
13 years$12,263$10,731$9,366$8,157$7,089$5,366
14 years$11,270$9,754$8,416$7,240$6,214$4,585
15 years$10,410$8,910$7,598$6,457$5,471$3,933
16 years$9,658$8,175$6,889$5,782$4,836$3,385
17 years$8,996$7,529$6,269$5,195$4,288$2,921
18 years$8,407$6,957$5,722$4,682$3,812$2,526
19 years$7,882$6,448$5,239$4,230$3,398$2,190
20 years$7,409$5,992$4,808$3,831$3,035$1,901
21 years$6,982$5,581$4,422$3,477$2,716$1,653
22 years$6,594$5,210$4,076$3,162$2,435$1,439
23 years$6,241$4,872$3,763$2,879$2,185$1,254
24 years$5,918$4,565$3,480$2,626$1,964$1,094
25 years$5,620$4,284$3,223$2,398$1,768$955
26 years$5,347$4,026$2,990$2,193$1,592$835
27 years$5,093$3,789$2,776$2,007$1,435$730
28 years$4,859$3,571$2,581$1,839$1,295$638
29 years$4,641$3,369$2,402$1,686$1,170$558
30 years$4,438$3,181$2,237$1,548$1,057$489
31 years$4,248$3,007$2,086$1,421$955$428
32 years$4,070$2,846$1,946$1,306$864$375
33 years$3,904$2,695$1,817$1,201$782$329
34 years$3,748$2,554$1,698$1,105$708$288
35 years$3,601$2,422$1,587$1,017$641$253
36 years$3,462$2,299$1,485$937$581$221
37 years$3,332$2,184$1,390$863$527$194
38 years$3,208$2,075$1,301$796$478$170
39 years$3,091$1,973$1,219$734$433$149
40 years$2,980$1,878$1,143$677$393$131
41 years$2,875$1,787$1,072$624$356$115
42 years$2,775$1,702$1,005$576$323$101
43 years$2,681$1,622$943$532$293$89
44 years$2,590$1,546$885$491$266$78
45 years$2,504$1,474$831$454$242$68
46 years$2,422$1,406$781$419$220$60
47 years$2,344$1,342$734$387$199$53
48 years$2,269$1,281$689$358$181$46
49 years$2,197$1,223$648$331$164$40
50 years$2,128$1,169$609$306$149$36

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,180,000, adding $5,394 every year, while hoping to spend $23,029 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: 82/12/6 Blend
51$2,180,000$2,180,000$2,180,000$2,180,000
52$2,407,924$2,292,384$2,258,594$2,604,008
53$2,629,029$2,380,208$2,309,754$2,820,787
54$2,871,916$2,471,564$2,361,856$3,055,071
55$3,138,781$2,566,600$2,414,908$3,311,546
56$3,432,044$2,665,471$2,468,915$3,592,421
57$3,754,374$2,768,340$2,523,885$3,900,126
58$4,108,707$2,875,376$2,579,823$4,237,338
59$4,498,282$2,986,756$2,636,733$4,607,005
60$4,926,663$3,102,663$2,694,619$5,012,372
61$5,397,779$3,223,291$2,753,486$5,457,015
62$5,915,961$3,348,840$2,813,336$5,944,871
63$6,485,977$3,479,521$2,874,171$6,480,276
64$7,113,082$3,615,553$2,935,991$7,068,006
65$7,803,065$3,757,164$2,998,796$7,713,323
66$8,562,308$3,904,595$3,062,585$8,422,022
67$9,397,838$4,058,095$3,127,357$9,200,485
68$10,317,401$4,217,925$3,193,106$10,055,744
69$11,329,530$4,384,357$3,259,830$10,995,545
70$12,443,628$4,557,677$3,327,520$12,028,420
71$13,670,057$4,738,182$3,396,171$13,163,769
72$15,020,233$4,926,183$3,465,772$14,411,946
73$16,506,735$5,122,004$3,536,314$15,784,361
74$18,143,425$5,325,986$3,607,784$17,293,580
75$19,945,577$5,538,482$3,680,168$18,953,450
76$21,930,022$5,759,863$3,753,449$20,779,225
77$24,115,305$5,990,517$3,827,610$22,787,712
78$26,521,862$6,230,849$3,902,631$24,997,427
79$29,172,212$6,481,280$3,978,490$27,428,771
80$32,091,169$6,742,255$4,055,160$30,104,221
81$35,306,076$7,014,233$4,132,616$33,048,543
82$38,847,065$7,297,699$4,210,828$36,289,023
83$42,747,337$7,593,158$4,289,762$39,855,725
84$47,043,480$7,901,138$4,369,384$43,781,777
85$51,775,811$8,222,189$4,449,654$48,103,676
86$56,988,757$8,556,890$4,530,531$52,861,641
87$62,731,276$8,905,843$4,611,969$58,099,984
88$69,057,316$9,269,680$4,693,920$63,867,531
89$76,026,327$9,649,059$4,776,332$70,218,084
90$83,703,820$10,044,670$4,859,146$77,210,924
91$92,161,986$10,457,235$4,942,303$84,911,374
92$101,480,376$10,887,507$5,025,738$93,391,410
93$111,746,655$11,336,275$5,109,381$102,730,345
94$123,057,426$11,804,365$5,193,157$113,015,572
95$135,519,142$12,292,638$5,276,987$124,343,392
96$149,249,115$12,801,997$5,360,786$136,819,918
97$164,376,615$13,333,386$5,444,464$150,562,081
98$181,044,100$13,887,792$5,527,923$165,698,727
99$199,408,551$14,466,247$5,611,062$182,371,837
100$219,642,963$15,069,832$5,693,771$200,737,863