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

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 $2,210,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.5%
1 years$182,500$180,874$179,288$177,740$176,229$170,179
2 years$90,346$88,664$87,033$85,452$83,918$77,885
3 years$59,633$57,943$56,316$54,750$53,241$47,414
4 years$44,279$42,594$40,984$39,444$37,972$32,395
5 years$35,069$33,394$31,805$30,297$28,866$23,554
6 years$28,931$27,269$25,703$24,229$22,841$17,798
7 years$24,548$22,900$21,359$19,920$18,575$13,801
8 years$21,263$19,630$18,115$16,710$15,410$10,901
9 years$18,709$17,091$15,602$14,233$12,978$8,727
10 years$16,667$15,065$13,602$12,269$11,058$7,059
11 years$14,997$13,412$11,975$10,678$9,510$5,756
12 years$13,607$12,038$10,628$9,366$8,241$4,722
13 years$12,432$10,878$9,495$8,269$7,186$3,894
14 years$11,425$9,888$8,531$7,340$6,300$3,224
15 years$10,553$9,033$7,703$6,546$5,547$2,678
16 years$9,791$8,288$6,984$5,861$4,902$2,230
17 years$9,119$7,633$6,355$5,266$4,347$1,861
18 years$8,523$7,053$5,801$4,746$3,865$1,556
19 years$7,990$6,537$5,311$4,288$3,445$1,303
20 years$7,511$6,074$4,874$3,884$3,077$1,093
21 years$7,078$5,658$4,483$3,525$2,753$917
22 years$6,685$5,281$4,132$3,205$2,468$771
23 years$6,327$4,940$3,815$2,919$2,216$648
24 years$5,999$4,628$3,528$2,662$1,991$545
25 years$5,698$4,343$3,268$2,431$1,792$459
26 years$5,420$4,082$3,031$2,223$1,614$386
27 years$5,163$3,842$2,814$2,035$1,455$325
28 years$4,926$3,620$2,616$1,864$1,313$274
29 years$4,705$3,415$2,435$1,710$1,186$231
30 years$4,499$3,225$2,268$1,569$1,071$195
31 years$4,306$3,049$2,114$1,441$969$164
32 years$4,126$2,885$1,973$1,324$876$138
33 years$3,958$2,732$1,842$1,218$793$117
34 years$3,799$2,589$1,721$1,120$718$98
35 years$3,650$2,456$1,609$1,031$650$83
36 years$3,510$2,331$1,505$950$589$70
37 years$3,377$2,214$1,409$875$534$59
38 years$3,252$2,104$1,319$807$484$50
39 years$3,134$2,001$1,236$744$439$42
40 years$3,021$1,903$1,158$686$398$35
41 years$2,915$1,812$1,086$633$361$30
42 years$2,814$1,726$1,019$584$328$25
43 years$2,717$1,644$956$539$297$21
44 years$2,626$1,567$898$498$270$18
45 years$2,539$1,494$843$460$245$15
46 years$2,455$1,426$792$425$223$13
47 years$2,376$1,361$744$392$202$11
48 years$2,300$1,299$699$363$184$9
49 years$2,227$1,240$657$335$167$8
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 $2,257 every year, while hoping to spend $27,654 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: 39/49/12 Blend
51$2,210,000$2,210,000$2,210,000$2,210,000
52$2,437,748$2,320,618$2,286,363$2,523,913
53$2,656,975$2,404,905$2,333,533$2,669,460
54$2,897,636$2,492,395$2,381,355$2,823,855
55$3,161,888$2,583,215$2,429,824$2,990,184
56$3,452,108$2,677,500$2,478,931$3,169,536
57$3,770,913$2,775,388$2,528,665$3,363,104
58$4,121,187$2,877,023$2,579,016$3,572,202
59$4,506,107$2,982,555$2,629,972$3,798,270
60$4,929,172$3,092,143$2,681,518$4,042,892
61$5,394,238$3,205,948$2,733,639$4,307,808
62$5,905,553$3,324,142$2,786,319$4,594,928
63$6,467,796$3,446,903$2,839,538$4,906,352
64$7,086,125$3,574,415$2,893,276$5,244,390
65$7,766,220$3,706,871$2,947,511$5,611,580
66$8,514,339$3,844,473$3,002,218$6,010,711
67$9,337,380$3,987,430$3,057,370$6,444,853
68$10,242,940$4,135,961$3,112,939$6,917,380
69$11,239,391$4,290,295$3,168,894$7,432,003
70$12,335,958$4,450,668$3,225,201$7,992,806
71$13,542,805$4,617,330$3,281,824$8,604,279
72$14,871,130$4,790,538$3,338,724$9,271,364
73$16,333,273$4,970,562$3,395,859$9,999,497
74$17,942,832$5,157,685$3,453,186$10,794,663
75$19,714,788$5,352,198$3,510,654$11,663,444
76$21,665,650$5,554,409$3,568,215$12,613,087
77$23,813,608$5,764,637$3,625,812$13,651,567
78$26,178,707$5,983,215$3,683,387$14,787,663
79$28,783,033$6,210,491$3,740,879$16,031,039
80$31,650,925$6,446,828$3,798,221$17,392,333
81$34,809,200$6,692,603$3,855,342$18,883,257
82$38,287,411$6,948,213$3,912,169$20,516,706
83$42,118,121$7,214,070$3,968,620$22,306,877
84$46,337,213$7,490,603$4,024,613$24,269,403
85$50,984,229$7,778,263$4,080,058$26,421,498
86$56,102,740$8,077,517$4,134,859$28,782,117
87$61,740,759$8,388,855$4,188,917$31,372,136
88$67,951,196$8,712,789$4,242,125$34,214,542
89$74,792,354$9,049,851$4,294,372$37,334,653
90$82,328,479$9,400,598$4,345,538$40,760,354
91$90,630,368$9,765,612$4,395,498$44,522,355
92$99,776,038$10,145,500$4,444,120$48,654,482
93$109,851,460$10,540,896$4,491,264$53,193,992
94$120,951,371$10,952,461$4,536,783$58,181,923
95$133,180,167$11,380,888$4,580,521$63,663,478
96$146,652,890$11,826,898$4,622,315$69,688,453
97$161,496,314$12,291,245$4,661,992$76,311,698
98$177,850,139$12,774,717$4,699,369$83,593,637
99$195,868,312$13,278,137$4,734,257$91,600,831
100$215,720,479$13,802,365$4,766,454$100,406,608