Can I retire at age 52 with 2,200,000?

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 $2,200,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.5%
1 years$181,674$180,056$178,477$176,936$175,431$171,469
2 years$89,938$88,263$86,639$85,065$83,539$79,568
3 years$59,363$57,681$56,061$54,502$53,000$49,145
4 years$44,078$42,401$40,798$39,266$37,800$34,090
5 years$34,910$33,243$31,661$30,160$28,735$25,181
6 years$28,800$27,146$25,587$24,119$22,737$19,342
7 years$24,437$22,797$21,263$19,830$18,491$15,257
8 years$21,167$19,541$18,033$16,635$15,340$12,264
9 years$18,624$17,014$15,531$14,169$12,919$9,999
10 years$16,592$14,997$13,541$12,214$11,007$8,241
11 years$14,930$13,351$11,921$10,630$9,467$6,850
12 years$13,546$11,983$10,580$9,324$8,204$5,733
13 years$12,375$10,829$9,452$8,231$7,154$4,824
14 years$11,373$9,843$8,493$7,307$6,271$4,077
15 years$10,505$8,992$7,668$6,516$5,521$3,459
16 years$9,747$8,250$6,952$5,835$4,880$2,943
17 years$9,078$7,598$6,326$5,243$4,327$2,511
18 years$8,485$7,021$5,775$4,725$3,847$2,147
19 years$7,954$6,507$5,287$4,269$3,429$1,839
20 years$7,477$6,047$4,852$3,866$3,063$1,577
21 years$7,046$5,632$4,463$3,509$2,741$1,355
22 years$6,655$5,257$4,113$3,191$2,457$1,165
23 years$6,298$4,917$3,798$2,906$2,205$1,003
24 years$5,972$4,607$3,512$2,650$1,982$864
25 years$5,672$4,323$3,253$2,420$1,784$745
26 years$5,396$4,063$3,017$2,213$1,607$642
27 years$5,140$3,824$2,802$2,026$1,449$554
28 years$4,903$3,603$2,604$1,856$1,307$479
29 years$4,683$3,399$2,424$1,702$1,180$413
30 years$4,478$3,210$2,258$1,562$1,066$357
31 years$4,287$3,035$2,105$1,434$964$309
32 years$4,108$2,872$1,964$1,318$872$267
33 years$3,940$2,719$1,833$1,212$789$231
34 years$3,782$2,577$1,713$1,115$715$200
35 years$3,634$2,445$1,602$1,027$647$173
36 years$3,494$2,320$1,498$946$586$149
37 years$3,362$2,204$1,402$871$532$129
38 years$3,238$2,094$1,313$803$482$112
39 years$3,120$1,992$1,230$740$437$97
40 years$3,008$1,895$1,153$683$396$84
41 years$2,902$1,804$1,081$630$360$72
42 years$2,801$1,718$1,014$582$326$63
43 years$2,705$1,637$952$537$296$54
44 years$2,614$1,560$893$496$269$47
45 years$2,527$1,488$839$458$244$41
46 years$2,444$1,419$788$423$222$35
47 years$2,365$1,354$740$391$201$30
48 years$2,289$1,293$696$361$183$26
49 years$2,217$1,235$654$334$166$23
50 years$2,148$1,179$615$308$151$20

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,200,000, adding $3,112 every year, while hoping to spend $20,892 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: 85/8/7 Blend
51$2,200,000$2,200,000$2,200,000$2,200,000
52$2,427,610$2,311,010$2,276,910$2,632,307
53$2,652,997$2,402,021$2,330,958$2,857,340
54$2,900,674$2,496,790$2,386,116$3,101,347
55$3,172,891$2,595,482$2,442,399$3,368,754
56$3,472,130$2,698,264$2,499,823$3,661,900
57$3,801,122$2,805,314$2,558,402$3,983,360
58$4,162,879$2,916,817$2,618,151$4,335,971
59$4,560,717$3,032,966$2,679,084$4,722,858
60$4,998,292$3,153,962$2,741,214$5,147,461
61$5,479,629$3,280,018$2,804,556$5,613,571
62$6,009,165$3,411,352$2,869,123$6,125,364
63$6,591,788$3,548,197$2,934,927$6,687,438
64$7,232,884$3,690,792$3,001,980$7,304,858
65$7,938,386$3,839,389$3,070,295$7,983,207
66$8,714,835$3,994,252$3,139,883$8,728,631
67$9,569,432$4,155,655$3,210,753$9,547,902
68$10,510,118$4,323,886$3,282,917$10,448,482
69$11,545,639$4,499,245$3,356,384$11,438,589
70$12,685,633$4,682,047$3,431,162$12,527,278
71$13,940,720$4,872,620$3,507,258$13,724,527
72$15,322,602$5,071,307$3,584,680$15,041,324
73$16,844,174$5,278,467$3,663,433$16,489,780
74$18,519,644$5,494,476$3,743,522$18,083,236
75$20,364,669$5,719,727$3,824,952$19,836,389
76$22,396,501$5,954,630$3,907,724$21,765,437
77$24,634,151$6,199,614$3,991,839$23,888,221
78$27,098,568$6,455,128$4,077,299$26,224,402
79$29,812,835$6,721,642$4,164,101$28,795,643
80$32,802,388$6,999,647$4,252,243$31,625,810
81$36,095,258$7,289,656$4,341,720$34,741,203
82$39,722,333$7,592,207$4,432,526$38,170,798
83$43,717,648$7,907,862$4,524,652$41,946,524
84$48,118,709$8,237,209$4,618,089$46,103,562
85$52,966,847$8,580,862$4,712,825$50,680,676
86$58,307,607$8,939,465$4,808,846$55,720,582
87$64,191,175$9,313,692$4,906,135$61,270,345
88$70,672,858$9,704,245$5,004,673$67,381,828
89$77,813,598$10,111,862$5,104,438$74,112,177
90$85,680,556$10,537,314$5,205,408$81,524,364
91$94,347,737$10,981,407$5,307,554$89,687,776
92$103,896,696$11,444,985$5,410,846$98,678,873
93$114,417,301$11,928,932$5,515,252$108,581,908
94$126,008,587$12,434,171$5,620,734$119,489,721
95$138,779,687$12,961,669$5,727,252$131,504,616
96$152,850,863$13,512,439$5,834,763$144,739,325
97$168,354,642$14,087,539$5,943,219$159,318,070
98$185,437,065$14,688,079$6,052,566$175,377,739
99$204,259,069$15,315,218$6,162,750$193,069,174
100$224,998,001$15,970,170$6,273,709$212,558,593