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%15%
1 years$180,022$178,419$176,854$175,327$173,836$170,257
2 years$89,120$87,460$85,852$84,292$82,779$79,189
3 years$58,823$57,156$55,552$54,007$52,519$49,030
4 years$43,678$42,016$40,427$38,909$37,457$34,097
5 years$34,593$32,941$31,373$29,886$28,474$25,252
6 years$28,538$26,899$25,354$23,900$22,530$19,450
7 years$24,215$22,590$21,070$19,649$18,323$15,384
8 years$20,974$19,363$17,869$16,483$15,201$12,403
9 years$18,455$16,859$15,390$14,040$12,801$10,143
10 years$16,441$14,861$13,418$12,103$10,907$8,385
11 years$14,794$13,230$11,813$10,533$9,381$6,992
12 years$13,422$11,874$10,483$9,239$8,129$5,871
13 years$12,263$10,731$9,366$8,157$7,089$4,956
14 years$11,270$9,754$8,416$7,240$6,214$4,203
15 years$10,410$8,910$7,598$6,457$5,471$3,578
16 years$9,658$8,175$6,889$5,782$4,836$3,056
17 years$8,996$7,529$6,269$5,195$4,288$2,616
18 years$8,407$6,957$5,722$4,682$3,812$2,245
19 years$7,882$6,448$5,239$4,230$3,398$1,930
20 years$7,409$5,992$4,808$3,831$3,035$1,662
21 years$6,982$5,581$4,422$3,477$2,716$1,433
22 years$6,594$5,210$4,076$3,162$2,435$1,237
23 years$6,241$4,872$3,763$2,879$2,185$1,069
24 years$5,918$4,565$3,480$2,626$1,964$924
25 years$5,620$4,284$3,223$2,398$1,768$800
26 years$5,347$4,026$2,990$2,193$1,592$693
27 years$5,093$3,789$2,776$2,007$1,435$600
28 years$4,859$3,571$2,581$1,839$1,295$520
29 years$4,641$3,369$2,402$1,686$1,170$451
30 years$4,438$3,181$2,237$1,548$1,057$392
31 years$4,248$3,007$2,086$1,421$955$340
32 years$4,070$2,846$1,946$1,306$864$295
33 years$3,904$2,695$1,817$1,201$782$256
34 years$3,748$2,554$1,698$1,105$708$222
35 years$3,601$2,422$1,587$1,017$641$193
36 years$3,462$2,299$1,485$937$581$168
37 years$3,332$2,184$1,390$863$527$146
38 years$3,208$2,075$1,301$796$478$127
39 years$3,091$1,973$1,219$734$433$110
40 years$2,980$1,878$1,143$677$393$96
41 years$2,875$1,787$1,072$624$356$83
42 years$2,775$1,702$1,005$576$323$72
43 years$2,681$1,622$943$532$293$63
44 years$2,590$1,546$885$491$266$55
45 years$2,504$1,474$831$454$242$47
46 years$2,422$1,406$781$419$220$41
47 years$2,344$1,342$734$387$199$36
48 years$2,269$1,281$689$358$181$31
49 years$2,197$1,223$648$331$164$27
50 years$2,128$1,169$609$306$149$24

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 $4,643 every year, while hoping to spend $21,612 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: 38/42/20 Blend
51$2,180,000$2,180,000$2,180,000$2,180,000
52$2,407,149$2,291,609$2,257,819$2,484,030
53$2,629,683$2,380,903$2,310,461$2,629,275
54$2,874,192$2,473,848$2,364,142$2,783,759
55$3,142,893$2,570,600$2,418,875$2,950,270
56$3,438,231$2,671,322$2,474,670$3,129,906
57$3,762,898$2,776,185$2,531,539$3,323,871
58$4,119,862$2,885,366$2,589,493$3,533,489
59$4,512,389$2,999,051$2,648,543$3,760,213
60$4,944,083$3,117,434$2,708,699$4,005,638
61$5,418,909$3,240,717$2,769,970$4,271,516
62$5,941,238$3,369,114$2,832,365$4,559,775
63$6,515,888$3,502,844$2,895,893$4,872,528
64$7,148,165$3,642,139$2,960,561$5,212,103
65$7,843,915$3,787,241$3,026,377$5,581,056
66$8,609,580$3,938,402$3,093,347$5,982,197
67$9,452,260$4,095,886$3,161,476$6,418,615
68$10,379,774$4,259,968$3,230,770$6,893,709
69$11,400,741$4,430,937$3,301,231$7,411,215
70$12,524,658$4,609,094$3,372,863$7,975,244
71$13,761,987$4,794,753$3,445,667$8,590,315
72$15,124,257$4,988,244$3,519,645$9,261,402
73$16,624,173$5,189,909$3,594,795$9,993,977
74$18,275,734$5,400,110$3,671,116$10,794,059
75$20,094,364$5,619,221$3,748,604$11,668,273
76$22,097,062$5,847,636$3,827,255$12,623,910
77$24,302,557$6,085,764$3,907,062$13,668,991
78$26,731,487$6,334,036$3,988,018$14,812,348
79$29,406,596$6,592,901$4,070,114$16,063,700
80$32,352,943$6,862,828$4,153,337$17,433,746
81$35,598,145$7,144,307$4,237,675$18,934,264
82$39,172,630$7,437,853$4,323,112$20,578,220
83$43,109,933$7,744,003$4,409,631$22,379,889
84$47,447,004$8,063,317$4,497,211$24,354,989
85$52,224,562$8,396,382$4,585,831$26,520,824
86$57,487,476$8,743,814$4,675,465$28,896,450
87$63,285,192$9,106,254$4,766,087$31,502,850
88$69,672,196$9,484,375$4,857,665$34,363,130
89$76,708,529$9,878,879$4,950,166$37,502,738
90$84,460,356$10,290,501$5,043,554$40,949,695
91$93,000,588$10,720,011$5,137,788$44,734,864
92$102,409,569$11,168,213$5,232,826$48,892,238
93$112,775,839$11,635,949$5,328,619$53,459,253
94$124,196,963$12,124,100$5,425,117$58,477,144
95$136,780,459$12,633,586$5,522,264$63,991,329
96$150,644,807$13,165,373$5,620,001$70,051,836
97$165,920,570$13,720,468$5,718,263$76,713,771
98$182,751,625$14,299,929$5,816,982$84,037,835
99$201,296,523$14,904,858$5,916,083$92,090,893
100$221,729,985$15,536,411$6,015,488$100,946,606