Can I retire at age 52 with 2,130,000?

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 $2,130,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.2%
1 years$175,893$174,327$172,798$171,306$169,849$164,215
2 years$87,076$85,454$83,883$82,359$80,881$75,259
3 years$57,474$55,845$54,278$52,768$51,314$45,881
4 years$42,676$41,052$39,500$38,016$36,598$31,396
5 years$33,799$32,185$30,654$29,200$27,821$22,863
6 years$27,884$26,282$24,773$23,352$22,014$17,305
7 years$23,660$22,071$20,586$19,199$17,903$13,442
8 years$20,493$18,919$17,459$16,105$14,852$10,636
9 years$18,032$16,473$15,037$13,718$12,508$8,530
10 years$16,064$14,520$13,110$11,825$10,657$6,913
11 years$14,455$12,926$11,542$10,291$9,166$5,648
12 years$13,115$11,602$10,243$9,027$7,943$4,643
13 years$11,982$10,485$9,151$7,969$6,926$3,836
14 years$11,011$9,530$8,223$7,074$6,071$3,183
15 years$10,171$8,706$7,424$6,309$5,346$2,649
16 years$9,437$7,988$6,731$5,649$4,725$2,211
17 years$8,789$7,356$6,125$5,076$4,189$1,850
18 years$8,215$6,798$5,591$4,574$3,725$1,550
19 years$7,701$6,300$5,118$4,133$3,320$1,301
20 years$7,239$5,854$4,697$3,743$2,966$1,093
21 years$6,822$5,453$4,321$3,397$2,654$920
22 years$6,443$5,090$3,982$3,089$2,379$774
23 years$6,098$4,761$3,677$2,813$2,135$653
24 years$5,782$4,460$3,400$2,566$1,919$550
25 years$5,491$4,186$3,150$2,343$1,727$464
26 years$5,224$3,934$2,921$2,143$1,556$392
27 years$4,977$3,702$2,712$1,961$1,403$331
28 years$4,747$3,489$2,522$1,797$1,266$279
29 years$4,534$3,291$2,347$1,648$1,143$236
30 years$4,336$3,108$2,186$1,512$1,033$199
31 years$4,150$2,938$2,038$1,389$934$169
32 years$3,977$2,780$1,901$1,276$844$142
33 years$3,815$2,633$1,775$1,174$764$120
34 years$3,662$2,495$1,659$1,080$692$102
35 years$3,518$2,367$1,551$994$627$86
36 years$3,383$2,247$1,451$916$568$73
37 years$3,255$2,134$1,358$844$515$62
38 years$3,135$2,028$1,271$778$467$52
39 years$3,020$1,928$1,191$717$423$44
40 years$2,912$1,835$1,117$661$384$37
41 years$2,809$1,746$1,047$610$348$32
42 years$2,712$1,663$982$563$316$27
43 years$2,619$1,585$922$520$287$23
44 years$2,531$1,510$865$480$260$19
45 years$2,447$1,440$812$443$236$16
46 years$2,366$1,374$763$409$215$14
47 years$2,290$1,311$717$378$195$12
48 years$2,217$1,252$674$350$177$10
49 years$2,147$1,195$633$323$161$8
50 years$2,080$1,142$595$299$146$7

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,130,000, adding $6,334 every year, while hoping to spend $51,591 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: 65/30/5 Blend
51$2,130,000$2,130,000$2,130,000$2,130,000
52$2,353,794$2,240,904$2,207,889$2,504,787
53$2,538,988$2,295,815$2,226,960$2,660,787
54$2,741,343$2,351,689$2,244,942$2,824,389
55$2,962,555$2,408,516$2,261,742$3,001,743
56$3,204,491$2,466,289$2,277,266$3,194,176
57$3,469,206$2,524,994$2,291,412$3,403,155
58$3,758,965$2,584,619$2,304,074$3,630,289
59$4,076,261$2,645,146$2,315,141$3,877,354
60$4,423,837$2,706,556$2,324,496$4,146,305
61$4,804,718$2,768,827$2,332,017$4,439,293
62$5,222,233$2,831,933$2,337,573$4,758,689
63$5,680,049$2,895,846$2,341,029$5,107,103
64$6,182,204$2,960,532$2,342,244$5,487,411
65$6,733,146$3,025,956$2,341,067$5,902,780
66$7,337,776$3,092,077$2,337,342$6,356,700
67$8,001,491$3,158,850$2,330,904$6,853,013
68$8,730,235$3,226,226$2,321,581$7,395,955
69$9,530,557$3,294,150$2,309,193$7,990,189
70$10,409,673$3,362,562$2,293,549$8,640,855
71$11,375,529$3,431,396$2,274,452$9,353,615
72$12,436,880$3,500,582$2,251,694$10,134,707
73$13,603,372$3,570,041$2,225,056$10,991,005
74$14,885,631$3,639,688$2,194,310$11,930,082
75$16,295,364$3,709,431$2,159,218$12,960,283
76$17,845,468$3,779,171$2,119,530$14,090,802
77$19,550,155$3,848,799$2,074,983$15,331,771
78$21,425,080$3,918,199$2,025,304$16,694,354
79$23,487,493$3,987,246$1,970,206$18,190,852
80$25,756,399$4,055,802$1,909,390$19,834,822
81$28,252,738$4,123,724$1,842,541$21,641,201
82$30,999,584$4,190,853$1,769,333$23,626,449
83$34,022,358$4,257,020$1,689,421$25,808,707
84$37,349,070$4,322,046$1,602,449$28,207,963
85$41,010,584$4,385,736$1,508,040$30,846,244
86$45,040,908$4,447,881$1,405,804$33,747,825
87$49,477,514$4,508,260$1,295,331$36,939,455
88$54,361,689$4,566,634$1,176,194$40,450,615
89$59,738,931$4,622,748$1,047,946$44,313,788
90$65,659,370$4,676,332$910,120$48,564,776
91$72,178,247$4,727,093$762,231$53,243,031
92$79,356,431$4,774,723$603,768$58,392,029
93$87,260,993$4,818,891$434,200$64,059,683
94$95,965,842$4,859,244$252,974$70,298,795
95$105,552,419$4,895,408$59,509$77,167,553
96$116,110,466$4,926,983$0$84,730,084
97$127,738,872$4,953,544$0$93,064,895
98$140,546,607$4,974,638$0$102,245,924
99$154,653,750$4,989,784$0$112,355,853
100$170,192,621$4,998,471$0$123,489,303