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%11%
1 years$180,022$178,419$176,854$175,327$173,836$173,104
2 years$89,120$87,460$85,852$84,292$82,779$82,040
3 years$58,823$57,156$55,552$54,007$52,519$51,795
4 years$43,678$42,016$40,427$38,909$37,457$36,754
5 years$34,593$32,941$31,373$29,886$28,474$27,795
6 years$28,538$26,899$25,354$23,900$22,530$21,876
7 years$24,215$22,590$21,070$19,649$18,323$17,694
8 years$20,974$19,363$17,869$16,483$15,201$14,596
9 years$18,455$16,859$15,390$14,040$12,801$12,221
10 years$16,441$14,861$13,418$12,103$10,907$10,352
11 years$14,794$13,230$11,813$10,533$9,381$8,849
12 years$13,422$11,874$10,483$9,239$8,129$7,621
13 years$12,263$10,731$9,366$8,157$7,089$6,604
14 years$11,270$9,754$8,416$7,240$6,214$5,752
15 years$10,410$8,910$7,598$6,457$5,471$5,031
16 years$9,658$8,175$6,889$5,782$4,836$4,417
17 years$8,996$7,529$6,269$5,195$4,288$3,890
18 years$8,407$6,957$5,722$4,682$3,812$3,435
19 years$7,882$6,448$5,239$4,230$3,398$3,040
20 years$7,409$5,992$4,808$3,831$3,035$2,696
21 years$6,982$5,581$4,422$3,477$2,716$2,395
22 years$6,594$5,210$4,076$3,162$2,435$2,131
23 years$6,241$4,872$3,763$2,879$2,185$1,899
24 years$5,918$4,565$3,480$2,626$1,964$1,694
25 years$5,620$4,284$3,223$2,398$1,768$1,513
26 years$5,347$4,026$2,990$2,193$1,592$1,352
27 years$5,093$3,789$2,776$2,007$1,435$1,210
28 years$4,859$3,571$2,581$1,839$1,295$1,083
29 years$4,641$3,369$2,402$1,686$1,170$970
30 years$4,438$3,181$2,237$1,548$1,057$870
31 years$4,248$3,007$2,086$1,421$955$780
32 years$4,070$2,846$1,946$1,306$864$700
33 years$3,904$2,695$1,817$1,201$782$628
34 years$3,748$2,554$1,698$1,105$708$564
35 years$3,601$2,422$1,587$1,017$641$507
36 years$3,462$2,299$1,485$937$581$455
37 years$3,332$2,184$1,390$863$527$409
38 years$3,208$2,075$1,301$796$478$368
39 years$3,091$1,973$1,219$734$433$331
40 years$2,980$1,878$1,143$677$393$298
41 years$2,875$1,787$1,072$624$356$268
42 years$2,775$1,702$1,005$576$323$241
43 years$2,681$1,622$943$532$293$217
44 years$2,590$1,546$885$491$266$195
45 years$2,504$1,474$831$454$242$175
46 years$2,422$1,406$781$419$220$158
47 years$2,344$1,342$734$387$199$142
48 years$2,269$1,281$689$358$181$128
49 years$2,197$1,223$648$331$164$115
50 years$2,128$1,169$609$306$149$104

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 $4,228 every year, while hoping to spend $31,080 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: 74/20/6 Blend
51$2,180,000$2,180,000$2,180,000$2,180,000
52$2,406,721$2,291,181$2,257,391$2,582,923
53$2,619,138$2,370,380$2,299,945$2,778,666
54$2,852,179$2,452,418$2,342,883$2,988,672
55$3,107,917$2,537,402$2,386,184$3,217,829
56$3,388,631$2,625,441$2,429,828$3,468,020
57$3,696,835$2,716,651$2,473,790$3,741,316
58$4,035,296$2,811,151$2,518,047$4,039,997
59$4,407,064$2,909,065$2,562,569$4,366,576
60$4,815,497$3,010,522$2,607,328$4,723,816
61$5,264,297$3,115,657$2,652,292$5,114,762
62$5,757,539$3,224,608$2,697,428$5,542,764
63$6,299,714$3,337,520$2,742,698$6,011,514
64$6,895,772$3,454,545$2,788,065$6,525,076
65$7,551,161$3,575,839$2,833,486$7,087,925
66$8,271,890$3,701,565$2,878,918$7,704,991
67$9,064,573$3,831,892$2,924,313$8,381,702
68$9,936,503$3,966,998$2,969,620$9,124,038
69$10,895,710$4,107,065$3,014,786$9,938,584
70$11,951,045$4,252,284$3,059,755$10,832,594
71$13,112,260$4,402,854$3,104,465$11,814,057
72$14,390,099$4,558,982$3,148,852$12,891,776
73$15,796,399$4,720,882$3,192,849$14,075,444
74$17,344,205$4,888,779$3,236,382$15,375,742
75$19,047,889$5,062,904$3,279,376$16,804,434
76$20,923,288$5,243,500$3,321,750$18,374,481
77$22,987,851$5,430,820$3,363,417$20,100,161
78$25,260,808$5,625,126$3,404,287$21,997,203
79$27,763,344$5,826,691$3,444,264$24,082,936
80$30,518,806$6,035,800$3,483,248$26,376,452
81$33,552,919$6,252,749$3,521,131$28,898,785
82$36,894,028$6,477,845$3,557,801$31,673,109
83$40,573,370$6,711,411$3,593,138$34,724,956
84$44,625,364$6,953,780$3,627,019$38,082,456
85$49,087,937$7,205,301$3,659,309$41,776,604
86$54,002,882$7,466,336$3,689,872$45,841,549
87$59,416,252$7,737,263$3,718,559$50,314,917
88$65,378,796$8,018,475$3,745,217$55,238,165
89$71,946,436$8,310,383$3,769,684$60,656,972
90$79,180,793$8,613,412$3,791,789$66,621,670
91$87,149,773$8,928,009$3,811,353$73,187,716
92$95,928,204$9,254,635$3,828,188$80,416,216
93$105,598,543$9,593,775$3,842,094$88,374,503
94$116,251,656$9,945,931$3,852,866$97,136,768
95$127,987,670$10,311,627$3,860,282$106,784,760
96$140,916,926$10,691,410$3,864,115$117,408,561
97$155,161,014$11,085,850$3,864,124$129,107,428
98$170,853,921$11,495,541$3,860,056$141,990,736
99$188,143,298$11,921,100$3,851,645$156,179,006
100$207,191,854$12,363,173$3,838,615$171,805,040