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%17.7%
1 years$181,674$180,056$178,477$176,936$175,431$169,952
2 years$89,938$88,263$86,639$85,065$83,539$78,067
3 years$59,363$57,681$56,061$54,502$53,000$47,708
4 years$44,078$42,401$40,798$39,266$37,800$32,728
5 years$34,910$33,243$31,661$30,160$28,735$23,896
6 years$28,800$27,146$25,587$24,119$22,737$18,136
7 years$24,437$22,797$21,263$19,830$18,491$14,128
8 years$21,167$19,541$18,033$16,635$15,340$11,212
9 years$18,624$17,014$15,531$14,169$12,919$9,020
10 years$16,592$14,997$13,541$12,214$11,007$7,333
11 years$14,930$13,351$11,921$10,630$9,467$6,010
12 years$13,546$11,983$10,580$9,324$8,204$4,957
13 years$12,375$10,829$9,452$8,231$7,154$4,110
14 years$11,373$9,843$8,493$7,307$6,271$3,421
15 years$10,505$8,992$7,668$6,516$5,521$2,858
16 years$9,747$8,250$6,952$5,835$4,880$2,394
17 years$9,078$7,598$6,326$5,243$4,327$2,010
18 years$8,485$7,021$5,775$4,725$3,847$1,691
19 years$7,954$6,507$5,287$4,269$3,429$1,424
20 years$7,477$6,047$4,852$3,866$3,063$1,202
21 years$7,046$5,632$4,463$3,509$2,741$1,015
22 years$6,655$5,257$4,113$3,191$2,457$858
23 years$6,298$4,917$3,798$2,906$2,205$726
24 years$5,972$4,607$3,512$2,650$1,982$614
25 years$5,672$4,323$3,253$2,420$1,784$520
26 years$5,396$4,063$3,017$2,213$1,607$441
27 years$5,140$3,824$2,802$2,026$1,449$374
28 years$4,903$3,603$2,604$1,856$1,307$317
29 years$4,683$3,399$2,424$1,702$1,180$269
30 years$4,478$3,210$2,258$1,562$1,066$228
31 years$4,287$3,035$2,105$1,434$964$194
32 years$4,108$2,872$1,964$1,318$872$164
33 years$3,940$2,719$1,833$1,212$789$140
34 years$3,782$2,577$1,713$1,115$715$118
35 years$3,634$2,445$1,602$1,027$647$101
36 years$3,494$2,320$1,498$946$586$85
37 years$3,362$2,204$1,402$871$532$73
38 years$3,238$2,094$1,313$803$482$62
39 years$3,120$1,992$1,230$740$437$52
40 years$3,008$1,895$1,153$683$396$44
41 years$2,902$1,804$1,081$630$360$38
42 years$2,801$1,718$1,014$582$326$32
43 years$2,705$1,637$952$537$296$27
44 years$2,614$1,560$893$496$269$23
45 years$2,527$1,488$839$458$244$20
46 years$2,444$1,419$788$423$222$17
47 years$2,365$1,354$740$391$201$14
48 years$2,289$1,293$696$361$183$12
49 years$2,217$1,235$654$334$166$10
50 years$2,148$1,179$615$308$151$9

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 $6,202 every year, while hoping to spend $24,107 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: 36/49/15 Blend
51$2,200,000$2,200,000$2,200,000$2,200,000
52$2,430,797$2,314,197$2,280,097$2,506,918
53$2,653,089$2,401,943$2,330,831$2,650,180
54$2,897,246$2,493,181$2,382,456$2,801,996
55$3,165,475$2,588,056$2,434,977$2,965,371
56$3,460,202$2,686,720$2,488,398$3,141,347
57$3,784,105$2,789,332$2,542,722$3,331,070
58$4,140,132$2,896,057$2,597,951$3,535,792
59$4,531,530$3,007,068$2,654,087$3,756,893
60$4,961,877$3,122,545$2,711,130$3,995,884
61$5,435,116$3,242,677$2,769,080$4,254,426
62$5,955,590$3,367,660$2,827,936$4,534,343
63$6,528,083$3,497,699$2,887,696$4,837,639
64$7,157,870$3,633,009$2,948,356$5,166,514
65$7,850,758$3,773,812$3,009,911$5,523,388
66$8,613,149$3,920,342$3,072,356$5,910,919
67$9,452,094$4,072,842$3,135,684$6,332,029
68$10,375,364$4,231,568$3,199,886$6,789,931
69$11,391,521$4,396,785$3,264,953$7,288,156
70$12,510,000$4,568,771$3,330,872$7,830,587
71$13,741,194$4,747,815$3,397,630$8,421,496
72$15,096,558$4,934,220$3,465,213$9,065,580
73$16,588,712$5,128,303$3,533,604$9,768,006
74$18,231,565$5,330,393$3,602,783$10,534,458
75$20,040,438$5,540,836$3,672,730$11,371,189
76$22,032,218$5,759,992$3,743,421$12,285,081
77$24,225,510$5,988,238$3,814,832$13,283,703
78$26,640,818$6,225,967$3,886,934$14,375,389
79$29,300,732$6,473,590$3,959,698$15,569,306
80$32,230,148$6,731,538$4,033,089$16,875,548
81$35,456,498$7,000,258$4,107,072$18,305,223
82$39,010,010$7,280,220$4,181,609$19,870,557
83$42,923,995$7,571,914$4,256,656$21,585,011
84$47,235,157$7,875,852$4,332,168$23,463,404
85$51,983,944$8,192,571$4,408,098$25,522,049
86$57,214,928$8,522,628$4,484,391$27,778,909
87$62,977,224$8,866,610$4,560,991$30,253,760
88$69,324,955$9,225,128$4,637,838$32,968,379
89$76,317,762$9,598,821$4,714,867$35,946,746
90$84,021,368$9,988,358$4,792,010$39,215,267
91$92,508,196$10,394,436$4,869,191$42,803,023
92$101,858,055$10,817,786$4,946,332$46,742,036
93$112,158,892$11,259,173$5,023,348$51,067,579
94$123,507,620$11,719,393$5,100,152$55,818,495
95$136,011,037$12,199,283$5,176,647$61,037,566
96$149,786,830$12,699,716$5,252,732$66,771,917
97$164,964,688$13,221,603$5,328,300$73,073,449
98$181,687,525$13,765,900$5,403,236$79,999,332
99$200,112,829$14,333,606$5,477,421$87,612,540
100$220,414,149$14,925,765$5,550,727$95,982,440