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%13.6%
1 years$182,500$180,874$179,288$177,740$176,229$173,595
2 years$90,346$88,664$87,033$85,452$83,918$81,271
3 years$59,633$57,943$56,316$54,750$53,241$50,663
4 years$44,279$42,594$40,984$39,444$37,972$35,482
5 years$35,069$33,394$31,805$30,297$28,866$26,471
6 years$28,931$27,269$25,703$24,229$22,841$20,544
7 years$24,548$22,900$21,359$19,920$18,575$16,379
8 years$21,263$19,630$18,115$16,710$15,410$13,312
9 years$18,709$17,091$15,602$14,233$12,978$10,977
10 years$16,667$15,065$13,602$12,269$11,058$9,154
11 years$14,997$13,412$11,975$10,678$9,510$7,700
12 years$13,607$12,038$10,628$9,366$8,241$6,524
13 years$12,432$10,878$9,495$8,269$7,186$5,559
14 years$11,425$9,888$8,531$7,340$6,300$4,759
15 years$10,553$9,033$7,703$6,546$5,547$4,091
16 years$9,791$8,288$6,984$5,861$4,902$3,528
17 years$9,119$7,633$6,355$5,266$4,347$3,051
18 years$8,523$7,053$5,801$4,746$3,865$2,645
19 years$7,990$6,537$5,311$4,288$3,445$2,297
20 years$7,511$6,074$4,874$3,884$3,077$1,999
21 years$7,078$5,658$4,483$3,525$2,753$1,742
22 years$6,685$5,281$4,132$3,205$2,468$1,520
23 years$6,327$4,940$3,815$2,919$2,216$1,328
24 years$5,999$4,628$3,528$2,662$1,991$1,161
25 years$5,698$4,343$3,268$2,431$1,792$1,016
26 years$5,420$4,082$3,031$2,223$1,614$890
27 years$5,163$3,842$2,814$2,035$1,455$780
28 years$4,926$3,620$2,616$1,864$1,313$684
29 years$4,705$3,415$2,435$1,710$1,186$600
30 years$4,499$3,225$2,268$1,569$1,071$526
31 years$4,306$3,049$2,114$1,441$969$462
32 years$4,126$2,885$1,973$1,324$876$406
33 years$3,958$2,732$1,842$1,218$793$357
34 years$3,799$2,589$1,721$1,120$718$313
35 years$3,650$2,456$1,609$1,031$650$275
36 years$3,510$2,331$1,505$950$589$242
37 years$3,377$2,214$1,409$875$534$213
38 years$3,252$2,104$1,319$807$484$187
39 years$3,134$2,001$1,236$744$439$165
40 years$3,021$1,903$1,158$686$398$145
41 years$2,915$1,812$1,086$633$361$127
42 years$2,814$1,726$1,019$584$328$112
43 years$2,717$1,644$956$539$297$99
44 years$2,626$1,567$898$498$270$87
45 years$2,539$1,494$843$460$245$76
46 years$2,455$1,426$792$425$223$67
47 years$2,376$1,361$744$392$202$59
48 years$2,300$1,299$699$363$184$52
49 years$2,227$1,240$657$335$167$46
50 years$2,158$1,185$618$310$151$40

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 $5,037 every year, while hoping to spend $26,650 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: 73/22/5 Blend
51$2,210,000$2,210,000$2,210,000$2,210,000
52$2,440,616$2,323,486$2,289,231$2,617,436
53$2,661,203$2,408,981$2,337,564$2,820,034
54$2,903,397$2,497,773$2,386,624$3,037,974
55$3,169,374$2,589,993$2,436,406$3,275,877
56$3,461,530$2,685,783$2,486,906$3,535,703
57$3,782,505$2,785,286$2,538,116$3,819,609
58$4,135,209$2,888,653$2,590,032$4,129,971
59$4,522,845$2,996,042$2,642,643$4,469,402
60$4,948,945$3,107,618$2,695,941$4,840,779
61$5,417,397$3,223,551$2,749,914$5,247,271
62$5,932,486$3,344,019$2,804,551$5,692,364
63$6,498,934$3,469,210$2,859,838$6,179,900
64$7,121,942$3,599,318$2,915,759$6,714,106
65$7,807,239$3,734,544$2,972,297$7,299,639
66$8,561,142$3,875,101$3,029,432$7,941,626
67$9,390,605$4,021,208$3,087,145$8,645,714
68$10,303,295$4,173,095$3,145,413$9,418,120
69$11,307,658$4,331,003$3,204,210$10,265,693
70$12,412,998$4,495,181$3,263,510$11,195,975
71$13,629,569$4,665,891$3,323,284$12,217,275
72$14,968,670$4,843,404$3,383,498$13,338,742
73$16,442,749$5,028,005$3,444,120$14,570,454
74$18,065,523$5,219,991$3,505,112$15,923,514
75$19,852,106$5,419,671$3,566,434$17,410,149
76$21,819,155$5,627,369$3,628,043$19,043,830
77$23,985,019$5,843,420$3,689,893$20,839,396
78$26,369,921$6,068,178$3,751,934$22,813,194
79$28,996,144$6,302,010$3,814,115$24,983,230
80$31,888,241$6,545,299$3,876,378$27,369,344
81$35,073,269$6,798,445$3,938,664$29,993,391
82$38,581,041$7,061,868$4,000,907$32,879,447
83$42,444,409$7,336,002$4,063,040$36,054,039
84$46,699,577$7,621,304$4,124,990$39,546,391
85$51,386,436$7,918,249$4,186,679$43,388,701
86$56,548,944$8,227,336$4,248,025$47,616,443
87$62,235,543$8,549,082$4,308,940$52,268,701
88$68,499,611$8,884,029$4,369,333$57,388,536
89$75,399,970$9,232,745$4,429,103$63,023,393
90$83,001,437$9,595,819$4,488,148$69,225,548
91$91,375,439$9,973,871$4,546,357$76,052,597
92$100,600,688$10,367,544$4,603,614$83,568,004
93$110,763,917$10,777,513$4,659,795$91,841,691
94$121,960,708$11,204,483$4,714,769$100,950,707
95$134,296,386$11,649,188$4,768,400$110,979,944
96$147,887,018$12,112,398$4,820,541$122,022,943
97$162,860,504$12,594,916$4,871,039$134,182,773
98$179,357,790$13,097,581$4,919,734$147,573,005
99$197,534,192$13,621,271$4,966,453$162,318,779
100$217,560,868$14,166,901$5,011,017$178,557,985