Can I retire at age 52 with 2,080,000?

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 $2,080,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.6%
1 years$171,764$170,234$168,742$167,285$165,862$161,394
2 years$85,032$83,448$81,913$80,425$78,982$74,513
3 years$56,125$54,534$53,003$51,529$50,109$45,778
4 years$41,674$40,089$38,573$37,124$35,738$31,579
5 years$33,006$31,430$29,934$28,515$27,168$23,192
6 years$27,229$25,665$24,191$22,803$21,497$17,708
7 years$23,104$21,553$20,103$18,748$17,483$13,881
8 years$20,012$18,475$17,049$15,727$14,504$11,087
9 years$17,609$16,086$14,684$13,396$12,214$8,979
10 years$15,687$14,179$12,802$11,548$10,407$7,350
11 years$14,115$12,623$11,271$10,050$8,950$6,067
12 years$12,807$11,329$10,003$8,815$7,756$5,041
13 years$11,700$10,239$8,937$7,782$6,764$4,210
14 years$10,753$9,307$8,030$6,908$5,929$3,532
15 years$9,932$8,502$7,250$6,161$5,220$2,973
16 years$9,215$7,800$6,573$5,517$4,614$2,510
17 years$8,583$7,184$5,981$4,957$4,091$2,125
18 years$8,022$6,638$5,460$4,467$3,637$1,802
19 years$7,520$6,152$4,998$4,036$3,242$1,531
20 years$7,069$5,717$4,587$3,656$2,896$1,302
21 years$6,662$5,325$4,219$3,318$2,591$1,109
22 years$6,292$4,971$3,889$3,016$2,323$946
23 years$5,955$4,649$3,591$2,747$2,085$807
24 years$5,646$4,356$3,321$2,506$1,874$689
25 years$5,363$4,088$3,076$2,288$1,686$589
26 years$5,101$3,842$2,852$2,092$1,519$503
27 years$4,860$3,616$2,649$1,915$1,370$431
28 years$4,636$3,407$2,462$1,755$1,236$368
29 years$4,428$3,214$2,291$1,609$1,116$315
30 years$4,234$3,035$2,134$1,477$1,008$270
31 years$4,053$2,869$1,990$1,356$912$231
32 years$3,884$2,715$1,857$1,246$825$198
33 years$3,725$2,571$1,733$1,146$746$170
34 years$3,576$2,437$1,620$1,055$676$145
35 years$3,436$2,311$1,514$971$612$125
36 years$3,304$2,194$1,417$894$554$107
37 years$3,179$2,084$1,326$824$503$92
38 years$3,061$1,980$1,242$759$456$78
39 years$2,949$1,883$1,163$700$413$67
40 years$2,844$1,791$1,090$646$375$58
41 years$2,743$1,705$1,022$596$340$49
42 years$2,648$1,624$959$550$309$42
43 years$2,558$1,547$900$508$280$36
44 years$2,471$1,475$845$469$254$31
45 years$2,389$1,407$793$433$231$27
46 years$2,311$1,342$745$400$209$23
47 years$2,236$1,280$700$369$190$20
48 years$2,165$1,222$658$341$173$17
49 years$2,096$1,167$618$315$157$14
50 years$2,031$1,115$581$292$143$12

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,080,000, adding $4,468 every year, while hoping to spend $20,795 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: 50/33/17 Blend
51$2,080,000$2,080,000$2,080,000$2,080,000
52$2,296,769$2,186,529$2,154,289$2,400,592
53$2,508,913$2,271,543$2,204,332$2,557,654
54$2,742,000$2,360,026$2,255,354$2,725,730
55$2,998,142$2,452,126$2,307,367$2,907,937
56$3,279,670$2,547,997$2,360,381$3,105,614
57$3,589,148$2,647,800$2,414,405$3,320,234
58$3,929,404$2,751,705$2,469,451$3,553,412
59$4,303,552$2,859,888$2,525,526$3,806,929
60$4,715,024$2,972,532$2,582,641$4,082,740
61$5,167,600$3,089,830$2,640,803$4,382,996
62$5,665,446$3,211,982$2,700,020$4,710,064
63$6,213,150$3,339,198$2,760,300$5,066,545
64$6,815,770$3,471,697$2,821,649$5,455,304
65$7,478,877$3,609,709$2,884,072$5,879,490
66$8,208,609$3,753,471$2,947,576$6,342,570
67$9,011,732$3,903,236$3,012,164$6,848,358
68$9,895,696$4,059,262$3,077,839$7,401,052
69$10,868,716$4,221,824$3,144,605$8,005,271
70$11,939,838$4,391,207$3,212,463$8,666,100
71$13,119,034$4,567,709$3,281,413$9,389,137
72$14,417,291$4,751,642$3,351,455$10,180,543
73$15,846,713$4,943,330$3,422,587$11,047,101
74$17,420,640$5,143,116$3,494,806$11,996,277
75$19,153,770$5,351,354$3,568,108$13,036,294
76$21,062,302$5,568,417$3,642,486$14,176,204
77$23,164,081$5,794,694$3,717,934$15,425,974
78$25,478,774$6,030,591$3,794,442$16,796,579
79$28,028,053$6,276,534$3,871,999$18,300,107
80$30,835,797$6,532,967$3,950,594$19,949,866
81$33,928,321$6,800,355$4,030,212$21,760,514
82$37,334,622$7,079,184$4,110,836$23,748,194
83$41,086,652$7,369,963$4,192,447$25,930,685
84$45,219,622$7,673,222$4,275,025$28,327,568
85$49,772,331$7,989,519$4,358,547$30,960,411
86$54,787,537$8,319,433$4,442,987$33,852,968
87$60,312,355$8,663,574$4,528,315$37,031,407
88$66,398,703$9,022,577$4,614,502$40,524,549
89$73,103,795$9,397,108$4,701,512$44,364,144
90$80,490,678$9,787,862$4,789,309$48,585,165
91$88,628,827$10,195,568$4,877,851$53,226,137
92$97,594,803$10,620,986$4,967,094$58,329,501
93$107,472,972$11,064,913$5,056,991$63,942,011
94$118,356,305$11,528,183$5,147,489$70,115,173
95$130,347,251$12,011,668$5,238,534$76,905,730
96$143,558,711$12,516,279$5,330,064$84,376,193
97$158,115,094$13,042,971$5,422,016$92,595,434
98$174,153,500$13,592,744$5,514,321$101,639,327
99$191,825,010$14,166,641$5,606,903$111,591,466
100$211,296,111$14,765,757$5,699,685$122,543,951