Can I retire at age 52 with 2,190,000?

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 $2,190,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.4%
1 years$180,848$179,237$177,666$176,132$174,634$173,606
2 years$89,529$87,861$86,245$84,679$83,159$82,122
3 years$59,093$57,418$55,807$54,254$52,759$51,745
4 years$43,878$42,209$40,613$39,087$37,628$36,645
5 years$34,751$33,092$31,517$30,023$28,605$27,655
6 years$28,669$27,022$25,471$24,009$22,634$21,719
7 years$24,326$22,693$21,166$19,739$18,407$17,528
8 years$21,071$19,452$17,951$16,559$15,271$14,427
9 years$18,540$16,937$15,461$14,105$12,860$12,052
10 years$16,516$14,929$13,479$12,158$10,957$10,184
11 years$14,862$13,290$11,867$10,581$9,424$8,684
12 years$13,484$11,929$10,531$9,281$8,166$7,461
13 years$12,319$10,780$9,409$8,194$7,121$6,448
14 years$11,321$9,799$8,454$7,274$6,242$5,602
15 years$10,458$8,951$7,633$6,487$5,496$4,887
16 years$9,703$8,213$6,920$5,808$4,858$4,279
17 years$9,037$7,564$6,297$5,219$4,307$3,758
18 years$8,446$6,989$5,749$4,703$3,830$3,309
19 years$7,918$6,477$5,263$4,250$3,414$2,920
20 years$7,443$6,019$4,830$3,849$3,049$2,582
21 years$7,014$5,607$4,442$3,493$2,729$2,288
22 years$6,625$5,234$4,094$3,176$2,446$2,030
23 years$6,270$4,895$3,780$2,892$2,195$1,803
24 years$5,945$4,586$3,496$2,638$1,973$1,603
25 years$5,646$4,304$3,238$2,409$1,776$1,428
26 years$5,371$4,045$3,003$2,203$1,599$1,272
27 years$5,117$3,807$2,789$2,016$1,442$1,134
28 years$4,881$3,587$2,593$1,847$1,301$1,012
29 years$4,662$3,384$2,413$1,694$1,175$904
30 years$4,458$3,196$2,247$1,555$1,062$808
31 years$4,267$3,021$2,095$1,428$960$722
32 years$4,089$2,859$1,955$1,312$868$646
33 years$3,922$2,707$1,825$1,207$786$578
34 years$3,765$2,566$1,705$1,110$711$517
35 years$3,617$2,434$1,594$1,022$644$463
36 years$3,478$2,310$1,491$941$584$415
37 years$3,347$2,194$1,396$867$529$371
38 years$3,223$2,085$1,307$799$480$333
39 years$3,105$1,983$1,225$737$435$298
40 years$2,994$1,886$1,148$680$395$267
41 years$2,888$1,795$1,076$627$358$240
42 years$2,788$1,710$1,010$579$325$215
43 years$2,693$1,629$948$534$295$193
44 years$2,602$1,553$889$493$268$173
45 years$2,516$1,481$835$456$243$155
46 years$2,433$1,413$784$421$221$139
47 years$2,354$1,348$737$389$200$125
48 years$2,279$1,287$692$359$182$112
49 years$2,207$1,229$651$332$165$100
50 years$2,138$1,174$612$307$150$90

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,190,000, adding $4,270 every year, while hoping to spend $20,514 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: 86/6/8 Blend
51$2,190,000$2,190,000$2,190,000$2,190,000
52$2,417,785$2,301,715$2,267,770$2,623,341
53$2,642,572$2,392,672$2,321,913$2,849,026
54$2,889,600$2,487,398$2,377,183$3,093,735
55$3,161,116$2,586,057$2,433,595$3,361,996
56$3,459,594$2,688,819$2,491,165$3,656,167
57$3,787,763$2,795,862$2,549,910$3,978,844
58$4,148,627$2,907,371$2,609,844$4,332,888
59$4,545,496$3,023,541$2,670,983$4,721,450
60$4,982,018$3,144,576$2,733,342$5,148,002
61$5,462,211$3,270,687$2,796,935$5,616,365
62$5,990,502$3,402,096$2,861,778$6,130,751
63$6,571,770$3,539,036$2,927,885$6,695,800
64$7,211,389$3,681,748$2,995,268$7,316,621
65$7,915,283$3,830,485$3,063,942$7,998,845
66$8,689,976$3,985,514$3,133,918$8,748,674
67$9,542,660$4,147,109$3,205,210$9,572,940
68$10,481,255$4,315,562$3,277,829$10,479,171
69$11,514,492$4,491,174$3,351,785$11,475,661
70$12,651,991$4,674,261$3,427,090$12,571,546
71$13,904,349$4,865,155$3,503,753$13,776,893
72$15,283,246$5,064,202$3,581,782$15,102,793
73$16,801,552$5,271,762$3,661,186$16,561,466
74$18,473,446$5,488,214$3,741,972$18,166,376
75$20,314,554$5,713,954$3,824,145$19,932,357
76$22,342,096$5,949,394$3,907,711$21,875,753
77$24,575,043$6,194,968$3,992,673$24,014,574
78$27,034,304$6,451,128$4,079,034$26,368,663
79$29,742,917$6,718,347$4,166,795$28,959,883
80$32,726,268$6,997,119$4,255,956$31,812,326
81$36,012,332$7,287,963$4,346,516$34,952,537
82$39,631,937$7,591,420$4,438,471$38,409,764
83$43,619,051$7,908,056$4,531,816$42,216,236
84$48,011,107$8,238,465$4,626,545$46,407,467
85$52,849,355$8,583,264$4,722,650$51,022,587
86$58,179,250$8,943,104$4,820,118$56,104,714
87$64,050,880$9,318,663$4,918,939$61,701,363
88$70,519,443$9,710,651$5,019,097$67,864,886
89$77,645,764$10,119,811$5,120,574$74,652,976
90$85,496,870$10,546,919$5,223,351$82,129,201
91$94,146,622$10,992,790$5,327,405$90,363,613
92$103,676,415$11,458,274$5,432,711$99,433,401
93$114,175,942$11,944,262$5,539,239$109,423,624
94$125,744,044$12,451,687$5,646,960$120,428,011
95$138,489,640$12,981,523$5,755,836$132,549,846
96$152,532,757$13,534,792$5,865,831$145,902,942
97$168,005,664$14,112,562$5,976,901$160,612,717
98$185,054,115$14,715,951$6,089,002$176,817,372
99$203,838,733$15,346,131$6,202,081$194,669,202
100$224,536,518$16,004,326$6,316,085$214,336,027