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%13.7%
1 years$180,848$179,237$177,666$176,132$174,634$171,953
2 years$89,529$87,861$86,245$84,679$83,159$80,465
3 years$59,093$57,418$55,807$54,254$52,759$50,135
4 years$43,878$42,209$40,613$39,087$37,628$35,095
5 years$34,751$33,092$31,517$30,023$28,605$26,169
6 years$28,669$27,022$25,471$24,009$22,634$20,299
7 years$24,326$22,693$21,166$19,739$18,407$16,174
8 years$21,071$19,452$17,951$16,559$15,271$13,138
9 years$18,540$16,937$15,461$14,105$12,860$10,827
10 years$16,516$14,929$13,479$12,158$10,957$9,023
11 years$14,862$13,290$11,867$10,581$9,424$7,586
12 years$13,484$11,929$10,531$9,281$8,166$6,423
13 years$12,319$10,780$9,409$8,194$7,121$5,469
14 years$11,321$9,799$8,454$7,274$6,242$4,679
15 years$10,458$8,951$7,633$6,487$5,496$4,019
16 years$9,703$8,213$6,920$5,808$4,858$3,464
17 years$9,037$7,564$6,297$5,219$4,307$2,993
18 years$8,446$6,989$5,749$4,703$3,830$2,593
19 years$7,918$6,477$5,263$4,250$3,414$2,251
20 years$7,443$6,019$4,830$3,849$3,049$1,957
21 years$7,014$5,607$4,442$3,493$2,729$1,704
22 years$6,625$5,234$4,094$3,176$2,446$1,486
23 years$6,270$4,895$3,780$2,892$2,195$1,297
24 years$5,945$4,586$3,496$2,638$1,973$1,133
25 years$5,646$4,304$3,238$2,409$1,776$991
26 years$5,371$4,045$3,003$2,203$1,599$867
27 years$5,117$3,807$2,789$2,016$1,442$759
28 years$4,881$3,587$2,593$1,847$1,301$665
29 years$4,662$3,384$2,413$1,694$1,175$583
30 years$4,458$3,196$2,247$1,555$1,062$511
31 years$4,267$3,021$2,095$1,428$960$448
32 years$4,089$2,859$1,955$1,312$868$394
33 years$3,922$2,707$1,825$1,207$786$345
34 years$3,765$2,566$1,705$1,110$711$303
35 years$3,617$2,434$1,594$1,022$644$266
36 years$3,478$2,310$1,491$941$584$234
37 years$3,347$2,194$1,396$867$529$205
38 years$3,223$2,085$1,307$799$480$181
39 years$3,105$1,983$1,225$737$435$159
40 years$2,994$1,886$1,148$680$395$139
41 years$2,888$1,795$1,076$627$358$123
42 years$2,788$1,710$1,010$579$325$108
43 years$2,693$1,629$948$534$295$95
44 years$2,602$1,553$889$493$268$83
45 years$2,516$1,481$835$456$243$73
46 years$2,433$1,413$784$421$221$64
47 years$2,354$1,348$737$389$200$57
48 years$2,279$1,287$692$359$182$50
49 years$2,207$1,229$651$332$165$44
50 years$2,138$1,174$612$307$150$38

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 $3,306 every year, while hoping to spend $30,833 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: 50/36/14 Blend
51$2,190,000$2,190,000$2,190,000$2,190,000
52$2,416,790$2,300,720$2,266,775$2,528,225
53$2,630,497$2,380,649$2,309,906$2,685,058
54$2,864,968$2,463,462$2,353,448$2,851,901
55$3,122,289$2,549,266$2,397,384$3,032,523
56$3,404,758$2,638,175$2,441,691$3,228,230
57$3,714,904$2,730,307$2,486,349$3,440,458
58$4,055,515$2,825,783$2,531,332$3,670,785
59$4,429,662$2,924,730$2,576,616$3,920,947
60$4,840,727$3,027,282$2,622,172$4,192,854
61$5,292,437$3,133,574$2,667,971$4,488,607
62$5,788,897$3,243,750$2,713,979$4,810,518
63$6,334,629$3,357,959$2,760,162$5,161,129
64$6,934,617$3,476,355$2,806,484$5,543,239
65$7,594,351$3,599,099$2,852,903$5,959,928
66$8,319,878$3,726,358$2,899,379$6,414,586
67$9,117,862$3,858,306$2,945,864$6,910,943
68$9,995,645$3,995,124$2,992,312$7,453,107
69$10,961,316$4,137,001$3,038,670$8,045,599
70$12,023,789$4,284,132$3,084,884$8,693,395
71$13,192,883$4,436,722$3,130,895$9,401,976
72$14,479,419$4,594,983$3,176,642$10,177,374
73$15,895,318$4,759,136$3,222,058$11,026,233
74$17,453,718$4,929,411$3,267,074$11,955,868
75$19,169,092$5,106,047$3,311,616$12,974,335
76$21,057,390$5,289,294$3,355,606$14,090,503
77$23,136,185$5,479,412$3,398,961$15,314,143
78$25,424,843$5,676,669$3,441,592$16,656,013
79$27,944,699$5,881,348$3,483,408$18,127,964
80$30,719,266$6,093,742$3,524,310$19,743,047
81$33,774,452$6,314,156$3,564,195$21,515,637
82$37,138,804$6,542,908$3,602,954$23,461,570
83$40,843,780$6,780,328$3,640,470$25,598,285
84$44,924,043$7,026,761$3,676,623$27,944,996
85$49,417,790$7,282,567$3,711,285$30,522,867
86$54,367,111$7,548,120$3,744,319$33,355,210
87$59,818,387$7,823,809$3,775,585$36,467,709
88$65,822,727$8,110,040$3,804,932$39,888,657
89$72,436,450$8,407,237$3,832,202$43,649,222
90$79,721,617$8,715,840$3,857,229$47,783,742
91$87,746,615$9,036,309$3,879,840$52,330,048
92$96,586,805$9,369,124$3,899,849$57,329,818
93$106,325,230$9,714,782$3,917,066$62,828,970
94$117,053,401$10,073,804$3,931,285$68,878,093
95$128,872,161$10,446,733$3,942,296$75,532,926
96$141,892,632$10,834,134$3,949,874$82,854,879
97$156,237,270$11,236,596$3,953,784$90,911,613
98$172,041,016$11,654,734$3,953,781$99,777,679
99$189,452,572$12,089,188$3,949,604$109,535,216
100$208,635,803$12,540,627$3,940,985$120,274,725