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%17.9%
1 years$181,674$180,056$178,477$176,936$175,431$169,815
2 years$89,938$88,263$86,639$85,065$83,539$77,933
3 years$59,363$57,681$56,061$54,502$53,000$47,580
4 years$44,078$42,401$40,798$39,266$37,800$32,607
5 years$34,910$33,243$31,661$30,160$28,735$23,783
6 years$28,800$27,146$25,587$24,119$22,737$18,031
7 years$24,437$22,797$21,263$19,830$18,491$14,030
8 years$21,167$19,541$18,033$16,635$15,340$11,120
9 years$18,624$17,014$15,531$14,169$12,919$8,936
10 years$16,592$14,997$13,541$12,214$11,007$7,255
11 years$14,930$13,351$11,921$10,630$9,467$5,939
12 years$13,546$11,983$10,580$9,324$8,204$4,892
13 years$12,375$10,829$9,452$8,231$7,154$4,050
14 years$11,373$9,843$8,493$7,307$6,271$3,367
15 years$10,505$8,992$7,668$6,516$5,521$2,809
16 years$9,747$8,250$6,952$5,835$4,880$2,349
17 years$9,078$7,598$6,326$5,243$4,327$1,970
18 years$8,485$7,021$5,775$4,725$3,847$1,654
19 years$7,954$6,507$5,287$4,269$3,429$1,392
20 years$7,477$6,047$4,852$3,866$3,063$1,172
21 years$7,046$5,632$4,463$3,509$2,741$988
22 years$6,655$5,257$4,113$3,191$2,457$834
23 years$6,298$4,917$3,798$2,906$2,205$705
24 years$5,972$4,607$3,512$2,650$1,982$596
25 years$5,672$4,323$3,253$2,420$1,784$504
26 years$5,396$4,063$3,017$2,213$1,607$426
27 years$5,140$3,824$2,802$2,026$1,449$361
28 years$4,903$3,603$2,604$1,856$1,307$305
29 years$4,683$3,399$2,424$1,702$1,180$259
30 years$4,478$3,210$2,258$1,562$1,066$219
31 years$4,287$3,035$2,105$1,434$964$186
32 years$4,108$2,872$1,964$1,318$872$157
33 years$3,940$2,719$1,833$1,212$789$133
34 years$3,782$2,577$1,713$1,115$715$113
35 years$3,634$2,445$1,602$1,027$647$96
36 years$3,494$2,320$1,498$946$586$81
37 years$3,362$2,204$1,402$871$532$69
38 years$3,238$2,094$1,313$803$482$58
39 years$3,120$1,992$1,230$740$437$49
40 years$3,008$1,895$1,153$683$396$42
41 years$2,902$1,804$1,081$630$360$36
42 years$2,801$1,718$1,014$582$326$30
43 years$2,705$1,637$952$537$296$26
44 years$2,614$1,560$893$496$269$22
45 years$2,527$1,488$839$458$244$18
46 years$2,444$1,419$788$423$222$16
47 years$2,365$1,354$740$391$201$13
48 years$2,289$1,293$696$361$183$11
49 years$2,217$1,235$654$334$166$10
50 years$2,148$1,179$615$308$151$8

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 $2,753 every year, while hoping to spend $21,985 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: 50/23/27 Blend
51$2,200,000$2,200,000$2,200,000$2,200,000
52$2,427,240$2,310,640$2,276,540$2,529,952
53$2,651,426$2,400,469$2,329,412$2,691,776
54$2,897,743$2,493,963$2,383,319$2,865,149
55$3,168,424$2,591,279$2,438,271$3,053,162
56$3,465,931$2,692,579$2,494,280$3,257,214
57$3,792,974$2,798,034$2,551,357$3,478,842
58$4,152,542$2,907,822$2,609,512$3,719,740
59$4,547,925$3,022,129$2,668,755$3,981,768
60$4,982,750$3,141,150$2,729,094$4,266,973
61$5,461,011$3,265,087$2,790,540$4,577,609
62$5,987,111$3,394,153$2,853,099$4,916,154
63$6,565,899$3,528,569$2,916,781$5,285,336
64$7,202,718$3,668,566$2,981,591$5,688,157
65$7,903,456$3,814,387$3,047,535$6,127,921
66$8,674,601$3,966,284$3,114,620$6,608,266
67$9,523,300$4,124,522$3,182,849$7,133,195
68$10,457,428$4,289,375$3,252,226$7,707,114
69$11,485,665$4,461,133$3,322,755$8,334,877
70$12,617,571$4,640,097$3,394,435$9,021,824
71$13,863,683$4,826,582$3,467,269$9,773,838
72$15,235,611$5,020,917$3,541,255$10,597,395
73$16,746,147$5,223,446$3,616,391$11,499,625
74$18,409,388$5,434,528$3,692,673$12,488,383
75$20,240,866$5,654,541$3,770,099$13,572,316
76$22,257,697$5,883,876$3,848,660$14,760,948
77$24,478,742$6,122,945$3,928,349$16,064,767
78$26,924,781$6,372,177$4,009,156$17,495,327
79$29,618,717$6,632,022$4,091,071$19,065,350
80$32,585,784$6,902,949$4,174,080$20,788,851
81$35,853,789$7,185,448$4,258,167$22,681,266
82$39,453,375$7,480,035$4,343,315$24,759,598
83$43,418,307$7,787,244$4,429,504$27,042,576
84$47,785,794$8,107,639$4,516,712$29,550,832
85$52,596,838$8,441,806$4,604,914$32,307,091
86$57,896,620$8,790,359$4,694,084$35,336,390
87$63,734,929$9,153,941$4,784,190$38,666,310
88$70,166,631$9,533,223$4,875,199$42,327,234
89$77,252,185$9,928,909$4,967,076$46,352,634
90$85,058,215$10,341,732$5,059,780$50,779,388
91$93,658,138$10,772,463$5,153,268$55,648,121
92$103,132,860$11,221,905$5,247,494$61,003,593
93$113,571,533$11,690,899$5,342,406$66,895,117
94$125,072,402$12,180,327$5,437,950$73,377,024
95$137,743,733$12,691,109$5,534,067$80,509,171
96$151,704,829$13,224,208$5,630,693$88,357,512
97$167,087,160$13,780,633$5,727,760$96,994,711
98$184,035,605$14,361,439$5,825,195$106,500,830
99$202,709,817$14,967,729$5,922,919$116,964,081
100$223,285,729$15,600,658$6,020,847$128,481,661