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

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 $2,200,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.8%
1 years$181,674$180,056$178,477$176,936$175,431$174,107
2 years$89,938$88,263$86,639$85,065$83,539$82,203
3 years$59,363$57,681$56,061$54,502$53,000$51,696
4 years$44,078$42,401$40,798$39,266$37,800$36,536
5 years$34,910$33,243$31,661$30,160$28,735$27,515
6 years$28,800$27,146$25,587$24,119$22,737$21,563
7 years$24,437$22,797$21,263$19,830$18,491$17,364
8 years$21,167$19,541$18,033$16,635$15,340$14,259
9 years$18,624$17,014$15,531$14,169$12,919$11,884
10 years$16,592$14,997$13,541$12,214$11,007$10,018
11 years$14,930$13,351$11,921$10,630$9,467$8,522
12 years$13,546$11,983$10,580$9,324$8,204$7,303
13 years$12,375$10,829$9,452$8,231$7,154$6,296
14 years$11,373$9,843$8,493$7,307$6,271$5,455
15 years$10,505$8,992$7,668$6,516$5,521$4,746
16 years$9,747$8,250$6,952$5,835$4,880$4,144
17 years$9,078$7,598$6,326$5,243$4,327$3,629
18 years$8,485$7,021$5,775$4,725$3,847$3,187
19 years$7,954$6,507$5,287$4,269$3,429$2,805
20 years$7,477$6,047$4,852$3,866$3,063$2,473
21 years$7,046$5,632$4,463$3,509$2,741$2,184
22 years$6,655$5,257$4,113$3,191$2,457$1,932
23 years$6,298$4,917$3,798$2,906$2,205$1,711
24 years$5,972$4,607$3,512$2,650$1,982$1,517
25 years$5,672$4,323$3,253$2,420$1,784$1,347
26 years$5,396$4,063$3,017$2,213$1,607$1,196
27 years$5,140$3,824$2,802$2,026$1,449$1,063
28 years$4,903$3,603$2,604$1,856$1,307$946
29 years$4,683$3,399$2,424$1,702$1,180$842
30 years$4,478$3,210$2,258$1,562$1,066$750
31 years$4,287$3,035$2,105$1,434$964$668
32 years$4,108$2,872$1,964$1,318$872$596
33 years$3,940$2,719$1,833$1,212$789$531
34 years$3,782$2,577$1,713$1,115$715$474
35 years$3,634$2,445$1,602$1,027$647$423
36 years$3,494$2,320$1,498$946$586$377
37 years$3,362$2,204$1,402$871$532$337
38 years$3,238$2,094$1,313$803$482$301
39 years$3,120$1,992$1,230$740$437$269
40 years$3,008$1,895$1,153$683$396$240
41 years$2,902$1,804$1,081$630$360$214
42 years$2,801$1,718$1,014$582$326$192
43 years$2,705$1,637$952$537$296$171
44 years$2,614$1,560$893$496$269$153
45 years$2,527$1,488$839$458$244$137
46 years$2,444$1,419$788$423$222$122
47 years$2,365$1,354$740$391$201$109
48 years$2,289$1,293$696$361$183$98
49 years$2,217$1,235$654$334$166$87
50 years$2,148$1,179$615$308$151$78

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 $3,129 every year, while hoping to spend $41,441 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: 65/24/11 Blend
51$2,200,000$2,200,000$2,200,000$2,200,000
52$2,427,628$2,311,028$2,276,928$2,579,323
53$2,631,153$2,380,175$2,309,112$2,750,043
54$2,854,048$2,451,322$2,340,985$2,931,352
55$3,098,247$2,524,522$2,372,494$3,128,400
56$3,365,876$2,599,831$2,403,580$3,342,717
57$3,659,278$2,677,306$2,434,183$3,575,990
58$3,981,036$2,757,005$2,464,239$3,830,076
59$4,333,990$2,838,988$2,493,680$4,107,016
60$4,721,273$2,923,314$2,522,435$4,409,063
61$5,146,334$3,010,047$2,550,427$4,738,693
62$5,612,970$3,099,249$2,577,576$5,098,634
63$6,125,367$3,190,987$2,603,799$5,491,891
64$6,688,135$3,285,325$2,629,007$5,921,773
65$7,306,351$3,382,333$2,653,105$6,391,923
66$7,985,610$3,482,079$2,675,995$6,906,356
67$8,732,076$3,584,633$2,697,574$7,469,491
68$9,552,536$3,690,069$2,717,731$8,086,198
69$10,454,472$3,798,459$2,736,352$8,761,841
70$11,446,123$3,909,880$2,753,316$9,502,327
71$12,536,570$4,024,406$2,768,494$10,314,165
72$13,735,816$4,142,117$2,781,754$11,204,526
73$15,054,881$4,263,092$2,792,954$12,181,306
74$16,505,907$4,387,413$2,801,947$13,253,209
75$18,102,274$4,515,161$2,808,577$14,429,820
76$19,858,723$4,646,421$2,812,681$15,721,702
77$21,791,495$4,781,278$2,814,089$17,140,490
78$23,918,487$4,919,819$2,812,619$18,699,005
79$26,259,415$5,062,133$2,808,085$20,411,372
80$28,836,007$5,208,309$2,800,288$22,293,154
81$31,672,203$5,358,440$2,789,020$24,361,499
82$34,794,381$5,512,616$2,774,066$26,635,301
83$38,231,607$5,670,933$2,755,196$29,135,378
84$42,015,908$5,833,487$2,732,172$31,884,668
85$46,182,576$6,000,372$2,704,745$34,908,445
86$50,770,496$6,171,688$2,672,651$38,234,561
87$55,822,519$6,347,533$2,635,617$41,893,701
88$61,385,861$6,528,007$2,593,356$45,919,681
89$67,512,552$6,713,213$2,545,567$50,349,761
90$74,259,923$6,903,251$2,491,934$55,224,996
91$81,691,151$7,098,226$2,432,129$60,590,630
92$89,875,850$7,298,241$2,365,808$66,496,515
93$98,890,733$7,503,401$2,292,608$72,997,586
94$108,820,332$7,713,812$2,212,155$80,154,377
95$119,757,797$7,929,579$2,124,052$88,033,593
96$131,805,773$8,150,809$2,027,889$96,708,741
97$145,077,372$8,377,609$1,923,234$106,260,819
98$159,697,237$8,610,086$1,809,636$116,779,087
99$175,802,721$8,848,346$1,686,624$128,361,904
100$193,545,180$9,092,496$1,553,708$141,117,657