Can I retire at age 52 with 2,070,000?

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 $2,070,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.7%
1 years$170,939$169,416$167,930$166,481$165,065$159,909
2 years$84,623$83,047$81,520$80,039$78,602$73,454
3 years$55,855$54,272$52,749$51,282$49,868$44,889
4 years$41,474$39,896$38,387$36,945$35,567$30,794
5 years$32,847$31,279$29,790$28,378$27,037$22,484
6 years$27,098$25,541$24,075$22,694$21,394$17,065
7 years$22,993$21,450$20,006$18,658$17,399$13,293
8 years$19,916$18,386$16,967$15,652$14,434$10,549
9 years$17,524$16,009$14,614$13,332$12,155$8,487
10 years$15,611$14,111$12,741$11,492$10,357$6,900
11 years$14,047$12,562$11,217$10,002$8,907$5,655
12 years$12,745$11,275$9,954$8,773$7,719$4,664
13 years$11,644$10,189$8,894$7,745$6,731$3,867
14 years$10,701$9,262$7,991$6,875$5,900$3,219
15 years$9,885$8,461$7,215$6,131$5,195$2,689
16 years$9,171$7,763$6,541$5,490$4,592$2,253
17 years$8,542$7,149$5,952$4,933$4,071$1,891
18 years$7,983$6,606$5,434$4,445$3,620$1,591
19 years$7,484$6,122$4,974$4,017$3,226$1,340
20 years$7,035$5,689$4,565$3,638$2,882$1,131
21 years$6,630$5,299$4,199$3,302$2,579$955
22 years$6,262$4,947$3,870$3,002$2,312$807
23 years$5,926$4,627$3,573$2,734$2,075$683
24 years$5,619$4,335$3,305$2,494$1,865$578
25 years$5,337$4,068$3,061$2,277$1,678$490
26 years$5,077$3,823$2,839$2,082$1,512$415
27 years$4,836$3,598$2,636$1,906$1,363$352
28 years$4,614$3,391$2,451$1,746$1,230$298
29 years$4,407$3,199$2,280$1,601$1,111$253
30 years$4,214$3,021$2,124$1,470$1,003$215
31 years$4,034$2,856$1,980$1,350$907$182
32 years$3,865$2,702$1,848$1,240$821$155
33 years$3,707$2,559$1,725$1,141$743$131
34 years$3,559$2,425$1,612$1,050$672$111
35 years$3,419$2,300$1,507$966$609$95
36 years$3,288$2,183$1,410$890$552$80
37 years$3,164$2,074$1,320$820$500$68
38 years$3,046$1,971$1,236$756$453$58
39 years$2,935$1,874$1,158$697$411$49
40 years$2,830$1,783$1,085$643$373$42
41 years$2,730$1,697$1,017$593$338$36
42 years$2,635$1,616$954$547$307$30
43 years$2,545$1,540$896$505$279$26
44 years$2,459$1,468$841$466$253$22
45 years$2,378$1,400$789$431$230$19
46 years$2,300$1,335$741$398$208$16
47 years$2,225$1,274$697$368$189$13
48 years$2,154$1,217$655$340$172$11
49 years$2,086$1,162$615$314$156$10
50 years$2,021$1,110$578$290$142$8

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,070,000, adding $6,526 every year, while hoping to spend $53,463 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: 40/45/15 Blend
51$2,070,000$2,070,000$2,070,000$2,070,000
52$2,287,872$2,178,162$2,146,077$2,368,934
53$2,464,350$2,228,007$2,161,086$2,476,900
54$2,657,038$2,278,504$2,174,806$2,587,922
55$2,867,531$2,329,626$2,187,138$2,706,877
56$3,097,589$2,381,347$2,197,976$2,834,511
57$3,349,145$2,433,635$2,207,211$2,971,645
58$3,624,332$2,486,457$2,214,726$3,119,184
59$3,925,496$2,539,775$2,220,401$3,278,128
60$4,255,219$2,593,548$2,224,108$3,449,574
61$4,616,349$2,647,728$2,225,713$3,634,736
62$5,012,017$2,702,268$2,225,075$3,834,949
63$5,445,674$2,757,110$2,222,046$4,051,685
64$5,921,121$2,812,197$2,216,473$4,286,568
65$6,442,544$2,867,463$2,208,193$4,541,386
66$7,014,552$2,922,837$2,197,036$4,818,113
67$7,642,222$2,978,242$2,182,823$5,118,923
68$8,331,149$3,033,597$2,165,368$5,446,214
69$9,087,494$3,088,810$2,144,475$5,802,629
70$9,918,042$3,143,786$2,119,939$6,191,082
71$10,830,271$3,198,419$2,091,545$6,614,787
72$11,832,415$3,252,599$2,059,068$7,077,285
73$12,933,548$3,306,203$2,022,274$7,582,483
74$14,143,665$3,359,101$1,980,915$8,134,688
75$15,473,776$3,411,155$1,934,733$8,738,647
76$16,936,014$3,462,215$1,883,460$9,399,596
77$18,543,744$3,512,119$1,826,812$10,123,307
78$20,311,690$3,560,697$1,764,494$10,916,144
79$22,256,076$3,607,765$1,696,198$11,785,124
80$24,394,776$3,653,125$1,621,601$12,737,984
81$26,747,483$3,696,569$1,540,365$13,783,252
82$29,335,897$3,737,871$1,452,137$14,930,334
83$32,183,924$3,776,792$1,356,550$16,189,598
84$35,317,906$3,813,077$1,253,216$17,572,474
85$38,766,869$3,846,454$1,141,735$19,091,568
86$42,562,791$3,876,632$1,021,685$20,760,773
87$46,740,911$3,903,302$892,626$22,595,410
88$51,340,055$3,926,136$754,101$24,612,365
89$56,403,007$3,944,782$605,630$26,830,260
90$61,976,908$3,958,870$446,712$29,269,621
91$68,113,701$3,968,004$276,825$31,953,077
92$74,870,624$3,971,762$95,425$34,905,577
93$82,310,748$3,969,698$0$38,154,621
94$90,503,568$3,961,337$0$41,746,241
95$99,525,666$3,946,176$0$45,715,468
96$109,461,425$3,923,681$0$50,083,958
97$120,403,833$3,893,283$0$54,892,429
98$132,455,352$3,854,382$0$60,185,764
99$145,728,892$3,806,341$0$66,013,432
100$160,348,870$3,748,483$0$72,429,956