Can I retire at age 52 with 2,100,000?

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 $2,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.5%
1 years$173,416$171,871$170,364$168,893$167,457$165,023
2 years$85,850$84,251$82,701$81,199$79,741$77,294
3 years$56,665$55,059$53,513$52,025$50,591$48,207
4 years$42,075$40,474$38,944$37,481$36,082$33,779
5 years$33,323$31,732$30,222$28,789$27,429$25,214
6 years$27,491$25,912$24,424$23,023$21,704$19,579
7 years$23,327$21,761$20,296$18,928$17,651$15,618
8 years$20,205$18,653$17,213$15,878$14,643$12,701
9 years$17,778$16,241$14,825$13,525$12,332$10,480
10 years$15,837$14,315$12,925$11,659$10,507$8,744
11 years$14,251$12,744$11,379$10,146$9,037$7,360
12 years$12,930$11,438$10,099$8,900$7,831$6,240
13 years$11,813$10,337$9,023$7,857$6,829$5,320
14 years$10,856$9,396$8,107$6,975$5,986$4,558
15 years$10,028$8,583$7,319$6,220$5,271$3,920
16 years$9,304$7,875$6,636$5,570$4,658$3,383
17 years$8,666$7,253$6,039$5,004$4,130$2,928
18 years$8,099$6,702$5,512$4,510$3,672$2,540
19 years$7,592$6,211$5,046$4,075$3,273$2,208
20 years$7,137$5,772$4,631$3,691$2,924$1,923
21 years$6,726$5,376$4,260$3,350$2,616$1,677
22 years$6,352$5,018$3,926$3,045$2,345$1,464
23 years$6,012$4,694$3,625$2,774$2,105$1,280
24 years$5,700$4,398$3,353$2,530$1,892$1,120
25 years$5,414$4,127$3,105$2,310$1,703$981
26 years$5,150$3,879$2,880$2,112$1,534$860
27 years$4,906$3,650$2,674$1,934$1,383$754
28 years$4,680$3,440$2,486$1,772$1,248$662
29 years$4,470$3,245$2,313$1,625$1,127$581
30 years$4,275$3,064$2,155$1,491$1,018$510
31 years$4,092$2,897$2,009$1,369$920$448
32 years$3,921$2,741$1,874$1,258$833$394
33 years$3,761$2,596$1,750$1,157$753$347
34 years$3,610$2,460$1,635$1,065$682$305
35 years$3,469$2,334$1,529$980$618$268
36 years$3,335$2,215$1,430$903$560$236
37 years$3,209$2,104$1,339$832$507$208
38 years$3,090$1,999$1,254$767$460$183
39 years$2,978$1,901$1,174$707$417$161
40 years$2,871$1,809$1,101$652$378$142
41 years$2,770$1,722$1,032$602$343$125
42 years$2,674$1,640$968$555$311$110
43 years$2,582$1,562$909$512$283$97
44 years$2,495$1,489$853$473$257$85
45 years$2,412$1,420$801$437$233$75
46 years$2,333$1,355$752$404$211$66
47 years$2,258$1,293$707$373$192$58
48 years$2,185$1,234$664$345$174$51
49 years$2,116$1,179$624$318$158$45
50 years$2,050$1,126$587$294$144$40

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,100,000, adding $6,939 every year, while hoping to spend $39,690 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: 80/11/9 Blend
51$2,100,000$2,100,000$2,100,000$2,100,000
52$2,321,358$2,210,058$2,177,508$2,503,424
53$2,515,906$2,276,121$2,208,224$2,689,863
54$2,728,969$2,344,090$2,238,640$2,888,491
55$2,962,391$2,414,019$2,268,702$3,105,265
56$3,218,207$2,485,958$2,298,356$3,341,979
57$3,498,657$2,559,962$2,327,543$3,600,609
58$3,806,207$2,636,087$2,356,202$3,883,330
59$4,143,573$2,714,388$2,384,268$4,192,538
60$4,513,748$2,794,924$2,411,672$4,530,871
61$4,920,028$2,877,753$2,438,341$4,901,234
62$5,366,044$2,962,937$2,464,199$5,306,830
63$5,855,796$3,050,535$2,489,164$5,751,183
64$6,393,687$3,140,612$2,513,152$6,238,177
65$6,984,573$3,233,232$2,536,072$6,772,090
66$7,633,799$3,328,460$2,557,830$7,357,633
67$8,347,256$3,426,363$2,578,326$7,999,999
68$9,131,431$3,527,010$2,597,455$8,704,906
69$9,993,474$3,630,471$2,615,107$9,478,654
70$10,941,261$3,736,816$2,631,166$10,328,184
71$11,983,468$3,846,118$2,645,508$11,261,143
72$13,129,655$3,958,452$2,658,006$12,285,956
73$14,390,356$4,073,892$2,668,525$13,411,904
74$15,777,174$4,192,515$2,676,923$14,649,215
75$17,302,896$4,314,399$2,683,050$16,009,156
76$18,981,611$4,439,623$2,686,752$17,504,141
77$20,828,839$4,568,269$2,687,862$19,147,850
78$22,861,685$4,700,418$2,686,209$20,955,354
79$25,098,992$4,836,154$2,681,613$22,943,259
80$27,561,526$4,975,562$2,673,883$25,129,864
81$30,272,164$5,118,727$2,662,821$27,535,330
82$33,256,118$5,265,738$2,648,219$30,181,874
83$36,541,165$5,416,682$2,629,857$33,093,975
84$40,157,914$5,571,649$2,607,507$36,298,608
85$44,140,092$5,730,731$2,580,929$39,825,493
86$48,524,863$5,894,018$2,549,872$43,707,384
87$53,353,179$6,061,606$2,514,073$47,980,368
88$58,670,165$6,233,586$2,473,257$52,684,215
89$64,525,545$6,410,055$2,427,134$57,862,745
90$70,974,111$6,591,108$2,375,403$63,564,247
91$78,076,240$6,776,842$2,317,749$69,841,930
92$85,898,464$6,967,354$2,253,840$76,754,430
93$94,514,095$7,162,742$2,183,332$84,366,359
94$104,003,921$7,363,105$2,105,862$92,748,918
95$114,456,965$7,568,541$2,021,052$101,980,565
96$125,971,326$7,779,150$1,928,508$112,147,761
97$138,655,104$7,995,032$1,827,816$123,345,778
98$152,627,421$8,216,284$1,718,544$135,679,608
99$168,019,542$8,443,007$1,600,240$149,264,943
100$184,976,121$8,675,299$1,472,433$164,229,277