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

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 $2,180,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.4%
1 years$180,022$178,419$176,854$175,327$173,836$170,676
2 years$89,120$87,460$85,852$84,292$82,779$79,606
3 years$58,823$57,156$55,552$54,007$52,519$49,432
4 years$43,678$42,016$40,427$38,909$37,457$34,480
5 years$34,593$32,941$31,373$29,886$28,474$25,617
6 years$28,538$26,899$25,354$23,900$22,530$19,795
7 years$24,215$22,590$21,070$19,649$18,323$15,711
8 years$20,974$19,363$17,869$16,483$15,201$12,710
9 years$18,455$16,859$15,390$14,040$12,801$10,431
10 years$16,441$14,861$13,418$12,103$10,907$8,656
11 years$14,794$13,230$11,813$10,533$9,381$7,245
12 years$13,422$11,874$10,483$9,239$8,129$6,107
13 years$12,263$10,731$9,366$8,157$7,089$5,176
14 years$11,270$9,754$8,416$7,240$6,214$4,408
15 years$10,410$8,910$7,598$6,457$5,471$3,768
16 years$9,658$8,175$6,889$5,782$4,836$3,231
17 years$8,996$7,529$6,269$5,195$4,288$2,778
18 years$8,407$6,957$5,722$4,682$3,812$2,395
19 years$7,882$6,448$5,239$4,230$3,398$2,068
20 years$7,409$5,992$4,808$3,831$3,035$1,789
21 years$6,982$5,581$4,422$3,477$2,716$1,549
22 years$6,594$5,210$4,076$3,162$2,435$1,344
23 years$6,241$4,872$3,763$2,879$2,185$1,166
24 years$5,918$4,565$3,480$2,626$1,964$1,014
25 years$5,620$4,284$3,223$2,398$1,768$881
26 years$5,347$4,026$2,990$2,193$1,592$767
27 years$5,093$3,789$2,776$2,007$1,435$668
28 years$4,859$3,571$2,581$1,839$1,295$582
29 years$4,641$3,369$2,402$1,686$1,170$507
30 years$4,438$3,181$2,237$1,548$1,057$442
31 years$4,248$3,007$2,086$1,421$955$386
32 years$4,070$2,846$1,946$1,306$864$336
33 years$3,904$2,695$1,817$1,201$782$294
34 years$3,748$2,554$1,698$1,105$708$256
35 years$3,601$2,422$1,587$1,017$641$224
36 years$3,462$2,299$1,485$937$581$195
37 years$3,332$2,184$1,390$863$527$171
38 years$3,208$2,075$1,301$796$478$149
39 years$3,091$1,973$1,219$734$433$130
40 years$2,980$1,878$1,143$677$393$114
41 years$2,875$1,787$1,072$624$356$99
42 years$2,775$1,702$1,005$576$323$87
43 years$2,681$1,622$943$532$293$76
44 years$2,590$1,546$885$491$266$66
45 years$2,504$1,474$831$454$242$58
46 years$2,422$1,406$781$419$220$51
47 years$2,344$1,342$734$387$199$44
48 years$2,269$1,281$689$358$181$39
49 years$2,197$1,223$648$331$164$34
50 years$2,128$1,169$609$306$149$29

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 $2,084 every year, while hoping to spend $20,383 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: 31/46/23 Blend
51$2,180,000$2,180,000$2,180,000$2,180,000
52$2,404,510$2,288,970$2,255,180$2,461,882
53$2,628,082$2,379,442$2,309,041$2,596,194
54$2,873,776$2,473,664$2,364,023$2,738,705
55$3,143,826$2,571,798$2,420,143$2,891,697
56$3,440,694$2,674,014$2,477,416$3,056,095
57$3,767,093$2,780,489$2,535,857$3,232,917
58$4,126,012$2,891,408$2,595,483$3,423,274
59$4,520,742$3,006,964$2,656,309$3,628,390
60$4,954,912$3,127,360$2,718,349$3,849,605
61$5,432,518$3,252,806$2,781,620$4,088,390
62$5,957,965$3,383,523$2,846,134$4,346,359
63$6,536,104$3,519,742$2,911,906$4,625,285
64$7,172,282$3,661,705$2,978,950$4,927,113
65$7,872,389$3,809,663$3,047,279$5,253,980
66$8,642,916$3,963,879$3,116,906$5,608,235
67$9,491,014$4,124,630$3,187,843$5,992,457
68$10,424,564$4,292,203$3,260,102$6,409,478
69$11,452,248$4,466,899$3,333,694$6,862,414
70$12,583,633$4,649,034$3,408,629$7,354,687
71$13,829,262$4,838,935$3,484,917$7,890,059
72$15,200,752$5,036,948$3,562,566$8,472,668
73$16,710,902$5,243,432$3,641,586$9,107,062
74$18,373,817$5,458,763$3,721,982$9,798,242
75$20,205,040$5,683,335$3,803,761$10,551,710
76$22,221,695$5,917,560$3,886,929$11,373,515
77$24,442,655$6,161,868$3,971,488$12,270,314
78$26,888,715$6,416,708$4,057,442$13,249,429
79$29,582,789$6,682,553$4,144,792$14,318,914
80$32,550,130$6,959,893$4,233,538$15,487,635
81$35,818,560$7,249,245$4,323,679$16,765,345
82$39,418,743$7,551,148$4,415,211$18,162,778
83$43,384,464$7,866,164$4,508,131$19,691,747
84$47,752,957$8,194,884$4,602,431$21,365,255
85$52,565,250$8,537,924$4,698,103$23,197,613
86$57,866,554$8,895,931$4,795,138$25,204,576
87$63,706,689$9,269,578$4,893,522$27,403,487
88$70,140,558$9,659,574$4,993,241$29,813,439
89$77,228,658$10,066,656$5,094,278$32,455,451
90$85,037,658$10,491,599$5,196,613$35,352,668
91$93,641,023$10,935,212$5,300,224$38,530,573
92$103,119,712$11,398,342$5,405,086$42,017,225
93$113,562,938$11,881,875$5,511,171$45,843,523
94$125,069,010$12,386,740$5,618,448$50,043,491
95$137,746,265$12,913,907$5,726,883$54,654,600
96$151,714,088$13,464,391$5,836,436$59,718,115
97$167,104,035$14,039,257$5,947,068$65,279,483
98$184,061,083$14,639,617$6,058,731$71,388,756
99$202,744,992$15,266,637$6,171,377$78,101,062
100$223,331,815$15,921,536$6,284,952$85,477,121