Can I retire at age 52 with 2,210,000?

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 $2,210,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.7%
1 years$182,500$180,874$179,288$177,740$176,229$170,043
2 years$90,346$88,664$87,033$85,452$83,918$77,752
3 years$59,633$57,943$56,316$54,750$53,241$47,287
4 years$44,279$42,594$40,984$39,444$37,972$32,276
5 years$35,069$33,394$31,805$30,297$28,866$23,443
6 years$28,931$27,269$25,703$24,229$22,841$17,694
7 years$24,548$22,900$21,359$19,920$18,575$13,705
8 years$21,263$19,630$18,115$16,710$15,410$10,812
9 years$18,709$17,091$15,602$14,233$12,978$8,646
10 years$16,667$15,065$13,602$12,269$11,058$6,984
11 years$14,997$13,412$11,975$10,678$9,510$5,687
12 years$13,607$12,038$10,628$9,366$8,241$4,660
13 years$12,432$10,878$9,495$8,269$7,186$3,837
14 years$11,425$9,888$8,531$7,340$6,300$3,172
15 years$10,553$9,033$7,703$6,546$5,547$2,631
16 years$9,791$8,288$6,984$5,861$4,902$2,188
17 years$9,119$7,633$6,355$5,266$4,347$1,824
18 years$8,523$7,053$5,801$4,746$3,865$1,523
19 years$7,990$6,537$5,311$4,288$3,445$1,273
20 years$7,511$6,074$4,874$3,884$3,077$1,066
21 years$7,078$5,658$4,483$3,525$2,753$893
22 years$6,685$5,281$4,132$3,205$2,468$749
23 years$6,327$4,940$3,815$2,919$2,216$629
24 years$5,999$4,628$3,528$2,662$1,991$528
25 years$5,698$4,343$3,268$2,431$1,792$444
26 years$5,420$4,082$3,031$2,223$1,614$373
27 years$5,163$3,842$2,814$2,035$1,455$314
28 years$4,926$3,620$2,616$1,864$1,313$264
29 years$4,705$3,415$2,435$1,710$1,186$222
30 years$4,499$3,225$2,268$1,569$1,071$187
31 years$4,306$3,049$2,114$1,441$969$157
32 years$4,126$2,885$1,973$1,324$876$132
33 years$3,958$2,732$1,842$1,218$793$111
34 years$3,799$2,589$1,721$1,120$718$94
35 years$3,650$2,456$1,609$1,031$650$79
36 years$3,510$2,331$1,505$950$589$67
37 years$3,377$2,214$1,409$875$534$56
38 years$3,252$2,104$1,319$807$484$47
39 years$3,134$2,001$1,236$744$439$40
40 years$3,021$1,903$1,158$686$398$33
41 years$2,915$1,812$1,086$633$361$28
42 years$2,814$1,726$1,019$584$328$24
43 years$2,717$1,644$956$539$297$20
44 years$2,626$1,567$898$498$270$17
45 years$2,539$1,494$843$460$245$14
46 years$2,455$1,426$792$425$223$12
47 years$2,376$1,361$744$392$202$10
48 years$2,300$1,299$699$363$184$8
49 years$2,227$1,240$657$335$167$7
50 years$2,158$1,185$618$310$151$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,210,000, adding $3,183 every year, while hoping to spend $44,739 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: 56/35/9 Blend
51$2,210,000$2,210,000$2,210,000$2,210,000
52$2,438,703$2,321,573$2,287,318$2,569,839
53$2,639,849$2,387,728$2,316,341$2,724,892
54$2,860,012$2,455,626$2,344,838$2,888,454
55$3,101,085$2,525,303$2,372,741$3,065,522
56$3,365,153$2,596,800$2,399,985$3,257,390
57$3,654,509$2,670,154$2,426,495$3,465,483
58$3,971,682$2,745,404$2,452,196$3,691,367
59$4,319,456$2,822,592$2,477,007$3,936,767
60$4,700,897$2,901,755$2,500,843$4,203,583
61$5,119,381$2,982,934$2,523,614$4,493,906
62$5,578,630$3,066,169$2,545,227$4,810,036
63$6,082,739$3,151,500$2,565,581$5,154,508
64$6,636,223$3,238,968$2,584,572$5,530,112
65$7,244,053$3,328,613$2,602,091$5,939,922
66$7,911,706$3,420,475$2,618,021$6,387,321
67$8,645,216$3,514,594$2,632,240$6,876,036
68$9,451,229$3,611,011$2,644,621$7,410,173
69$10,337,068$3,709,763$2,655,030$7,994,251
70$11,310,800$3,810,892$2,663,324$8,633,252
71$12,381,311$3,914,436$2,669,355$9,332,659
72$13,558,395$4,020,433$2,672,968$10,098,516
73$14,852,837$4,128,921$2,673,999$10,937,479
74$16,276,525$4,239,936$2,672,276$11,856,880
75$17,842,553$4,353,515$2,667,620$12,864,797
76$19,565,349$4,469,693$2,659,841$13,970,129
77$21,460,810$4,588,504$2,648,741$15,182,682
78$23,546,452$4,709,980$2,634,113$16,513,256
79$25,841,574$4,834,153$2,615,740$17,973,754
80$28,367,439$4,961,051$2,593,392$19,577,288
81$31,147,479$5,090,703$2,566,831$21,338,305
82$34,207,509$5,223,135$2,535,808$23,272,724
83$37,575,977$5,358,370$2,500,059$25,398,084
84$41,284,226$5,496,430$2,459,310$27,733,711
85$45,366,795$5,637,333$2,413,275$30,300,899
86$49,861,740$5,781,095$2,361,652$33,123,113
87$54,810,998$5,927,728$2,304,127$36,226,207
88$60,260,775$6,077,242$2,240,371$39,638,670
89$66,261,990$6,229,643$2,170,039$43,391,895
90$72,870,749$6,384,932$2,092,772$47,520,474
91$80,148,878$6,543,106$2,008,192$52,062,524
92$88,164,503$6,704,158$1,915,906$57,060,049
93$96,992,696$6,868,075$1,815,503$62,559,335
94$106,716,180$7,034,840$1,706,551$68,611,386
95$117,426,112$7,204,428$1,588,602$75,272,406
96$129,222,940$7,376,810$1,461,185$82,604,329
97$142,217,355$7,551,949$1,323,810$90,675,407
98$156,531,331$7,729,801$1,175,963$99,560,847
99$172,299,279$7,910,312$1,017,110$109,343,530
100$189,669,312$8,093,425$846,690$120,114,786