Can I retire at age 52 with 2,090,000?

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 $2,090,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.6%
1 years$172,590$171,053$169,553$168,089$166,660$160,237
2 years$85,441$83,849$82,307$80,812$79,362$72,968
3 years$56,395$54,797$53,258$51,777$50,350$44,186
4 years$41,874$40,281$38,758$37,302$35,910$30,023
5 years$33,165$31,581$30,078$28,652$27,298$21,703
6 years$27,360$25,788$24,308$22,913$21,600$16,300
7 years$23,215$21,657$20,200$18,838$17,567$12,561
8 years$20,108$18,564$17,131$15,803$14,573$9,856
9 years$17,693$16,163$14,755$13,461$12,273$7,838
10 years$15,762$14,247$12,864$11,603$10,457$6,296
11 years$14,183$12,683$11,325$10,098$8,993$5,097
12 years$12,868$11,384$10,051$8,857$7,794$4,151
13 years$11,757$10,288$8,980$7,820$6,796$3,397
14 years$10,804$9,351$8,068$6,942$5,957$2,791
15 years$9,980$8,543$7,284$6,191$5,245$2,300
16 years$9,259$7,838$6,604$5,543$4,636$1,900
17 years$8,624$7,218$6,010$4,980$4,111$1,573
18 years$8,060$6,670$5,486$4,488$3,655$1,305
19 years$7,556$6,182$5,022$4,056$3,258$1,084
20 years$7,103$5,744$4,609$3,673$2,910$901
21 years$6,694$5,351$4,240$3,334$2,604$750
22 years$6,322$4,995$3,907$3,031$2,334$624
23 years$5,983$4,671$3,608$2,760$2,095$520
24 years$5,673$4,377$3,337$2,518$1,883$434
25 years$5,388$4,107$3,090$2,299$1,695$362
26 years$5,126$3,860$2,866$2,102$1,526$302
27 years$4,883$3,633$2,662$1,924$1,376$252
28 years$4,658$3,423$2,474$1,763$1,242$211
29 years$4,449$3,229$2,302$1,617$1,121$176
30 years$4,254$3,050$2,145$1,484$1,013$147
31 years$4,072$2,883$1,999$1,363$916$123
32 years$3,902$2,728$1,865$1,252$829$103
33 years$3,743$2,584$1,742$1,152$750$86
34 years$3,593$2,449$1,627$1,060$679$72
35 years$3,452$2,322$1,522$975$615$60
36 years$3,319$2,204$1,423$898$557$50
37 years$3,194$2,094$1,332$828$505$42
38 years$3,076$1,990$1,248$763$458$35
39 years$2,964$1,892$1,169$703$415$29
40 years$2,857$1,800$1,096$649$377$24
41 years$2,757$1,714$1,027$599$342$20
42 years$2,661$1,632$964$552$310$17
43 years$2,570$1,555$904$510$281$14
44 years$2,483$1,482$849$471$255$12
45 years$2,401$1,413$797$435$232$10
46 years$2,322$1,348$749$402$210$8
47 years$2,247$1,287$703$371$191$7
48 years$2,175$1,228$661$343$174$6
49 years$2,106$1,173$621$317$158$5
50 years$2,041$1,120$584$293$143$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,090,000, adding $4,800 every year, while hoping to spend $30,470 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: 61/28/11 Blend
51$2,090,000$2,090,000$2,090,000$2,090,000
52$2,308,131$2,197,361$2,164,966$2,442,711
53$2,511,141$2,272,612$2,205,073$2,608,816
54$2,733,836$2,350,529$2,245,502$2,786,079
55$2,978,193$2,431,210$2,286,231$2,978,753
56$3,246,387$2,514,759$2,327,239$3,188,327
57$3,540,817$2,601,280$2,368,500$3,416,441
58$3,864,123$2,690,885$2,409,987$3,664,901
59$4,219,213$2,783,688$2,451,671$3,935,691
60$4,609,292$2,879,808$2,493,521$4,230,999
61$5,037,890$2,979,369$2,535,505$4,553,228
62$5,508,897$3,082,500$2,577,586$4,905,028
63$6,026,596$3,189,334$2,619,727$5,289,313
64$6,595,708$3,300,011$2,661,887$5,709,293
65$7,221,433$3,414,674$2,704,023$6,168,502
66$7,909,500$3,533,474$2,746,089$6,670,829
67$8,666,222$3,656,567$2,788,035$7,220,557
68$9,498,553$3,784,115$2,829,811$7,822,405
69$10,414,155$3,916,287$2,871,360$8,481,566
70$11,421,472$4,053,258$2,912,623$9,203,760
71$12,529,804$4,195,210$2,953,538$9,995,287
72$13,749,402$4,342,333$2,994,040$10,863,084
73$15,091,558$4,494,824$3,034,057$11,814,794
74$16,568,715$4,652,889$3,073,516$12,858,832
75$18,194,583$4,816,739$3,112,338$14,004,469
76$19,984,270$4,986,598$3,150,440$15,261,915
77$21,954,420$5,162,697$3,187,734$16,642,419
78$24,123,376$5,345,274$3,224,129$18,158,370
79$26,511,348$5,534,580$3,259,524$19,823,416
80$29,140,605$5,730,874$3,293,819$21,652,592
81$32,035,688$5,934,428$3,326,903$23,662,461
82$35,223,635$6,145,522$3,358,661$25,871,270
83$38,734,243$6,364,450$3,388,973$28,299,120
84$42,600,344$6,591,516$3,417,711$30,968,157
85$46,858,115$6,827,036$3,444,741$33,902,779
86$51,547,425$7,071,343$3,469,922$37,129,866
87$56,712,201$7,324,778$3,493,104$40,679,033
88$62,400,854$7,587,700$3,514,131$44,582,909
89$68,666,726$7,860,482$3,532,839$48,877,442
90$75,568,597$8,143,511$3,549,054$53,602,241
91$83,171,243$8,437,192$3,562,596$58,800,947
92$91,546,039$8,741,944$3,573,272$64,521,642
93$100,771,642$9,058,206$3,580,884$70,817,307
94$110,934,725$9,386,433$3,585,219$77,746,316
95$122,130,800$9,727,102$3,586,057$85,372,988
96$134,465,118$10,080,706$3,583,167$93,768,195
97$148,053,661$10,447,762$3,576,304$103,010,025
98$163,024,239$10,828,807$3,565,214$113,184,525
99$179,517,692$11,224,399$3,549,630$124,386,504
100$197,689,224$11,635,122$3,529,270$136,720,433