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

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 $2,000,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.4%
1 years$165,158$163,687$162,252$160,851$159,483$154,687
2 years$81,761$80,239$78,763$77,332$75,944$71,153
3 years$53,966$52,437$50,965$49,547$48,182$43,546
4 years$40,071$38,547$37,089$35,696$34,364$29,918
5 years$31,737$30,221$28,783$27,418$26,123$21,879
6 years$26,182$24,678$23,261$21,926$20,670$16,633
7 years$22,216$20,724$19,330$18,027$16,810$12,979
8 years$19,243$17,765$16,393$15,122$13,946$10,318
9 years$16,931$15,467$14,120$12,881$11,744$8,316
10 years$15,083$13,634$12,310$11,103$10,007$6,773
11 years$13,572$12,137$10,837$9,663$8,606$5,562
12 years$12,314$10,894$9,618$8,476$7,458$4,597
13 years$11,250$9,845$8,593$7,483$6,503$3,819
14 years$10,339$8,949$7,721$6,643$5,701$3,186
15 years$9,550$8,175$6,971$5,924$5,020$2,667
16 years$8,861$7,500$6,320$5,304$4,436$2,239
17 years$8,253$6,907$5,751$4,766$3,934$1,884
18 years$7,713$6,383$5,250$4,295$3,497$1,588
19 years$7,231$5,915$4,806$3,881$3,117$1,341
20 years$6,797$5,497$4,411$3,515$2,785$1,134
21 years$6,406$5,120$4,057$3,190$2,492$960
22 years$6,050$4,779$3,739$2,900$2,234$813
23 years$5,726$4,470$3,452$2,642$2,005$690
24 years$5,429$4,188$3,193$2,409$1,802$585
25 years$5,156$3,930$2,957$2,200$1,622$497
26 years$4,905$3,694$2,743$2,012$1,461$422
27 years$4,673$3,476$2,547$1,841$1,317$359
28 years$4,458$3,276$2,368$1,687$1,188$305
29 years$4,258$3,090$2,203$1,547$1,073$259
30 years$4,071$2,919$2,052$1,420$970$221
31 years$3,897$2,759$1,913$1,304$877$188
32 years$3,734$2,611$1,785$1,198$793$160
33 years$3,582$2,472$1,667$1,102$718$136
34 years$3,438$2,343$1,557$1,014$650$116
35 years$3,304$2,222$1,456$933$588$98
36 years$3,176$2,109$1,362$860$533$84
37 years$3,057$2,003$1,275$792$483$71
38 years$2,943$1,904$1,194$730$438$61
39 years$2,836$1,811$1,119$673$397$52
40 years$2,734$1,723$1,048$621$360$44
41 years$2,638$1,640$983$573$327$38
42 years$2,546$1,562$922$529$297$32
43 years$2,459$1,488$865$488$269$27
44 years$2,376$1,418$812$451$244$23
45 years$2,297$1,352$763$416$222$20
46 years$2,222$1,290$716$384$201$17
47 years$2,150$1,231$673$355$183$14
48 years$2,081$1,175$632$328$166$12
49 years$2,016$1,122$594$303$151$10
50 years$1,953$1,072$559$280$137$9

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,000,000, adding $3,266 every year, while hoping to spend $27,780 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: 75/14/11 Blend
51$2,000,000$2,000,000$2,000,000$2,000,000
52$2,207,369$2,101,369$2,070,369$2,368,074
53$2,402,963$2,174,778$2,110,169$2,547,904
54$2,617,576$2,250,854$2,150,370$2,741,106
55$2,853,120$2,329,696$2,190,959$2,952,059
56$3,111,698$2,411,412$2,231,916$3,182,518
57$3,395,630$2,496,109$2,273,223$3,434,411
58$3,707,468$2,583,903$2,314,861$3,709,864
59$4,050,027$2,674,911$2,356,806$4,011,217
60$4,426,405$2,769,257$2,399,034$4,341,048
61$4,840,018$2,867,069$2,441,521$4,702,194
62$5,294,625$2,968,481$2,484,237$5,097,780
63$5,794,371$3,073,632$2,527,153$5,531,249
64$6,343,822$3,182,665$2,570,238$6,006,391
65$6,948,007$3,295,730$2,613,456$6,527,383
66$7,612,468$3,412,986$2,656,772$7,098,822
67$8,343,311$3,534,593$2,700,145$7,725,775
68$9,147,263$3,660,722$2,743,533$8,413,822
69$10,031,735$3,791,549$2,786,893$9,169,110
70$11,004,894$3,927,256$2,830,176$9,998,409
71$12,075,737$4,068,036$2,873,331$10,909,180
72$13,254,180$4,214,088$2,916,305$11,909,639
73$14,551,145$4,365,617$2,959,040$13,008,839
74$15,978,670$4,522,840$3,001,476$14,216,752
75$17,550,016$4,685,981$3,043,547$15,544,367
76$19,279,797$4,855,273$3,085,186$17,003,788
77$21,184,116$5,030,961$3,126,319$18,608,351
78$23,280,716$5,213,298$3,166,870$20,372,749
79$25,589,147$5,402,548$3,206,759$22,313,171
80$28,130,953$5,598,986$3,245,898$24,447,453
81$30,929,871$5,802,897$3,284,197$26,795,247
82$34,012,061$6,014,582$3,321,560$29,378,206
83$37,406,345$6,234,351$3,357,887$32,220,186
84$41,144,486$6,462,527$3,393,069$35,347,475
85$45,261,482$6,699,449$3,426,995$38,789,035
86$49,795,899$6,945,469$3,459,546$42,576,780
87$54,790,236$7,200,952$3,490,596$46,745,876
88$60,291,323$7,466,281$3,520,014$51,335,067
89$66,350,764$7,741,855$3,547,660$56,387,049
90$73,025,424$8,028,088$3,573,389$61,948,864
91$80,377,966$8,325,414$3,597,047$68,072,351
92$88,477,442$8,634,283$3,618,471$74,814,627
93$97,399,944$8,955,165$3,637,492$82,238,633
94$107,229,322$9,288,551$3,653,932$90,413,724
95$118,057,975$9,634,953$3,667,601$99,416,322
96$129,987,726$9,994,903$3,678,303$109,330,638
97$143,130,779$10,368,958$3,685,831$120,249,468
98$157,610,778$10,757,697$3,689,966$132,275,065
99$173,563,978$11,161,725$3,690,481$145,520,106
100$191,140,527$11,581,672$3,687,135$160,108,755