Can I retire at age 52 with 2,010,000?

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 $2,010,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.5%
1 years$165,984$164,505$163,063$161,655$160,280$159,270
2 years$82,170$80,640$79,157$77,719$76,324$75,305
3 years$54,236$52,699$51,220$49,795$48,423$47,427
4 years$40,272$38,739$37,275$35,875$34,536$33,570
5 years$31,895$30,372$28,927$27,555$26,253$25,321
6 years$26,313$24,801$23,377$22,036$20,773$19,876
7 years$22,327$20,828$19,427$18,117$16,894$16,031
8 years$19,339$17,853$16,475$15,198$14,016$13,187
9 years$17,016$15,545$14,190$12,945$11,803$11,010
10 years$15,159$13,702$12,371$11,159$10,057$9,298
11 years$13,640$12,198$10,891$9,712$8,649$7,924
12 years$12,376$10,948$9,666$8,518$7,495$6,803
13 years$11,307$9,894$8,636$7,520$6,536$5,876
14 years$10,391$8,993$7,759$6,676$5,729$5,101
15 years$9,598$8,216$7,006$5,954$5,045$4,448
16 years$8,905$7,538$6,352$5,331$4,458$3,891
17 years$8,294$6,942$5,780$4,790$3,953$3,415
18 years$7,752$6,415$5,276$4,317$3,515$3,005
19 years$7,267$5,945$4,830$3,900$3,133$2,650
20 years$6,831$5,524$4,433$3,533$2,798$2,342
21 years$6,438$5,146$4,077$3,206$2,504$2,073
22 years$6,080$4,803$3,758$2,915$2,245$1,838
23 years$5,754$4,492$3,470$2,655$2,015$1,631
24 years$5,456$4,209$3,209$2,421$1,811$1,450
25 years$5,182$3,950$2,972$2,211$1,630$1,290
26 years$4,930$3,712$2,756$2,022$1,468$1,148
27 years$4,696$3,494$2,560$1,851$1,324$1,023
28 years$4,480$3,292$2,380$1,696$1,194$913
29 years$4,279$3,106$2,214$1,555$1,078$814
30 years$4,091$2,933$2,063$1,427$974$727
31 years$3,917$2,773$1,923$1,311$881$649
32 years$3,753$2,624$1,794$1,204$797$580
33 years$3,600$2,485$1,675$1,108$721$519
34 years$3,456$2,355$1,565$1,019$653$464
35 years$3,320$2,234$1,463$938$591$415
36 years$3,192$2,120$1,369$864$536$371
37 years$3,072$2,013$1,281$796$486$332
38 years$2,958$1,914$1,200$734$440$297
39 years$2,850$1,820$1,124$677$399$266
40 years$2,748$1,731$1,054$624$362$238
41 years$2,651$1,648$988$576$329$214
42 years$2,559$1,569$927$531$298$191
43 years$2,471$1,495$870$490$271$171
44 years$2,388$1,425$816$453$246$154
45 years$2,309$1,359$766$418$223$138
46 years$2,233$1,297$720$386$202$123
47 years$2,161$1,237$676$357$184$111
48 years$2,092$1,181$636$330$167$99
49 years$2,026$1,128$597$305$152$89
50 years$1,962$1,078$562$282$138$80

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,010,000, adding $5,097 every year, while hoping to spend $55,079 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: 88/6/6 Blend
51$2,010,000$2,010,000$2,010,000$2,010,000
52$2,220,278$2,113,748$2,082,593$2,414,819
53$2,388,142$2,158,718$2,093,756$2,587,179
54$2,571,283$2,204,045$2,103,447$2,768,410
55$2,771,200$2,249,689$2,111,559$2,965,838
56$2,989,545$2,295,606$2,117,978$3,181,054
57$3,228,134$2,341,747$2,122,586$3,415,810
58$3,488,970$2,388,059$2,125,259$3,672,037
59$3,774,256$2,434,484$2,125,866$3,951,859
60$4,086,417$2,480,961$2,124,269$4,257,617
61$4,428,124$2,527,421$2,120,326$4,591,889
62$4,802,321$2,573,793$2,113,884$4,957,512
63$5,212,244$2,619,995$2,104,786$5,357,615
64$5,661,463$2,665,945$2,092,866$5,795,641
65$6,153,906$2,711,550$2,077,951$6,275,383
66$6,693,899$2,756,711$2,059,857$6,801,021
67$7,286,209$2,801,322$2,038,394$7,377,158
68$7,936,085$2,845,269$2,013,363$8,008,866
69$8,649,309$2,888,430$1,984,554$8,701,730
70$9,432,249$2,930,674$1,951,747$9,461,906
71$10,291,922$2,971,861$1,914,714$10,296,174
72$11,236,055$3,011,839$1,873,214$11,212,005
73$12,273,162$3,050,448$1,826,996$12,217,630
74$13,412,622$3,087,517$1,775,798$13,322,115
75$14,664,765$3,122,862$1,719,343$14,535,453
76$16,040,975$3,156,286$1,657,345$15,868,652
77$17,553,791$3,187,581$1,589,503$17,333,840
78$19,217,029$3,216,523$1,515,502$18,944,382
79$21,045,908$3,242,875$1,435,014$20,715,003
80$23,057,198$3,266,384$1,347,694$22,661,928
81$25,269,376$3,286,779$1,253,185$24,803,036
82$27,702,796$3,303,775$1,151,110$27,158,027
83$30,379,887$3,317,066$1,041,078$29,748,606
84$33,325,360$3,326,327$922,680$32,598,692
85$36,566,444$3,331,215$795,487$35,734,643
86$40,133,138$3,331,361$659,052$39,185,501
87$44,058,498$3,326,377$512,910$42,983,269
88$48,378,946$3,315,851$356,573$47,163,211
89$53,134,613$3,299,342$189,534$51,764,187
90$58,369,720$3,276,387$11,260$56,829,020
91$64,132,993$3,246,491$0$62,404,894
92$70,478,121$3,209,131$0$68,555,269
93$77,464,264$3,163,753$0$75,327,497
94$85,156,610$3,109,769$0$82,784,038
95$93,626,993$3,046,556$0$90,994,513
96$102,954,563$2,973,455$0$100,035,638
97$113,226,541$2,889,766$0$109,991,953
98$124,539,034$2,794,751$0$120,956,612
99$136,997,948$2,687,626$0$133,032,271
100$150,719,984$2,567,565$0$146,332,047