Can I retire at age 52 with 2,190,000?

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 $2,190,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.6%
1 years$180,848$179,237$177,666$176,132$174,634$171,318
2 years$89,529$87,861$86,245$84,679$83,159$79,831
3 years$59,093$57,418$55,807$54,254$52,759$49,524
4 years$43,878$42,209$40,613$39,087$37,628$34,509
5 years$34,751$33,092$31,517$30,023$28,605$25,611
6 years$28,669$27,022$25,471$24,009$22,634$19,769
7 years$24,326$22,693$21,166$19,739$18,407$15,673
8 years$21,071$19,452$17,951$16,559$15,271$12,665
9 years$18,540$16,937$15,461$14,105$12,860$10,382
10 years$16,516$14,929$13,479$12,158$10,957$8,604
11 years$14,862$13,290$11,867$10,581$9,424$7,193
12 years$13,484$11,929$10,531$9,281$8,166$6,055
13 years$12,319$10,780$9,409$8,194$7,121$5,125
14 years$11,321$9,799$8,454$7,274$6,242$4,358
15 years$10,458$8,951$7,633$6,487$5,496$3,721
16 years$9,703$8,213$6,920$5,808$4,858$3,186
17 years$9,037$7,564$6,297$5,219$4,307$2,736
18 years$8,446$6,989$5,749$4,703$3,830$2,355
19 years$7,918$6,477$5,263$4,250$3,414$2,030
20 years$7,443$6,019$4,830$3,849$3,049$1,753
21 years$7,014$5,607$4,442$3,493$2,729$1,517
22 years$6,625$5,234$4,094$3,176$2,446$1,313
23 years$6,270$4,895$3,780$2,892$2,195$1,138
24 years$5,945$4,586$3,496$2,638$1,973$988
25 years$5,646$4,304$3,238$2,409$1,776$857
26 years$5,371$4,045$3,003$2,203$1,599$745
27 years$5,117$3,807$2,789$2,016$1,442$648
28 years$4,881$3,587$2,593$1,847$1,301$563
29 years$4,662$3,384$2,413$1,694$1,175$490
30 years$4,458$3,196$2,247$1,555$1,062$427
31 years$4,267$3,021$2,095$1,428$960$371
32 years$4,089$2,859$1,955$1,312$868$323
33 years$3,922$2,707$1,825$1,207$786$282
34 years$3,765$2,566$1,705$1,110$711$246
35 years$3,617$2,434$1,594$1,022$644$214
36 years$3,478$2,310$1,491$941$584$187
37 years$3,347$2,194$1,396$867$529$163
38 years$3,223$2,085$1,307$799$480$142
39 years$3,105$1,983$1,225$737$435$124
40 years$2,994$1,886$1,148$680$395$108
41 years$2,888$1,795$1,076$627$358$94
42 years$2,788$1,710$1,010$579$325$82
43 years$2,693$1,629$948$534$295$72
44 years$2,602$1,553$889$493$268$62
45 years$2,516$1,481$835$456$243$54
46 years$2,433$1,413$784$421$221$47
47 years$2,354$1,348$737$389$200$41
48 years$2,279$1,287$692$359$182$36
49 years$2,207$1,229$651$332$165$32
50 years$2,138$1,174$612$307$150$28

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,190,000, adding $2,921 every year, while hoping to spend $50,884 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: 66/29/5 Blend
51$2,190,000$2,190,000$2,190,000$2,190,000
52$2,416,393$2,300,323$2,266,378$2,574,137
53$2,608,725$2,358,899$2,288,161$2,737,724
54$2,818,969$2,418,639$2,308,969$2,910,030
55$3,048,899$2,479,548$2,328,715$3,096,958
56$3,300,468$2,541,626$2,347,308$3,299,925
57$3,575,825$2,604,875$2,364,652$3,520,491
58$3,877,337$2,669,292$2,380,646$3,760,370
59$4,207,612$2,734,874$2,395,184$4,021,454
60$4,569,521$2,801,616$2,408,156$4,305,822
61$4,966,226$2,869,509$2,419,442$4,615,767
62$5,401,209$2,938,543$2,428,922$4,953,811
63$5,878,306$3,008,705$2,436,464$5,322,735
64$6,401,742$3,079,979$2,441,934$5,725,598
65$6,976,168$3,152,348$2,445,188$6,165,773
66$7,606,712$3,225,787$2,446,076$6,646,974
67$8,299,020$3,300,274$2,444,443$7,173,290
68$9,059,310$3,375,777$2,440,121$7,749,229
69$9,894,433$3,452,264$2,432,940$8,379,754
70$10,811,939$3,529,698$2,422,716$9,070,335
71$11,820,140$3,608,037$2,409,261$9,826,997
72$12,928,198$3,687,234$2,392,375$10,656,377
73$14,146,203$3,767,238$2,371,848$11,565,789
74$15,485,274$3,847,990$2,347,463$12,563,292
75$16,957,658$3,929,429$2,318,990$13,657,762
76$18,576,852$4,011,484$2,286,189$14,858,982
77$20,357,724$4,094,079$2,248,808$16,177,729
78$22,316,654$4,177,131$2,206,586$17,625,881
79$24,471,692$4,260,550$2,159,246$19,216,522
80$26,842,724$4,344,236$2,106,500$20,964,071
81$29,451,662$4,428,084$2,048,048$22,884,418
82$32,322,647$4,511,975$1,983,573$24,995,070
83$35,482,280$4,595,785$1,912,746$27,315,319
84$38,959,872$4,679,378$1,835,222$29,866,425
85$42,787,718$4,762,606$1,750,641$32,671,813
86$47,001,403$4,845,312$1,658,625$35,757,298
87$51,640,138$4,927,324$1,558,781$39,151,327
88$56,747,128$5,008,459$1,450,697$42,885,248
89$62,369,982$5,088,521$1,333,942$46,993,604
90$68,561,159$5,167,297$1,208,067$51,514,464
91$75,378,463$5,244,560$1,072,603$56,489,777
92$82,885,590$5,320,067$927,059$61,965,770
93$91,152,727$5,393,558$770,923$67,993,389
94$100,257,216$5,464,753$603,660$74,628,771
95$110,284,280$5,533,354$424,711$81,933,784
96$121,327,832$5,599,043$233,493$89,976,603
97$133,491,353$5,661,479$29,398$98,832,361
98$146,888,879$5,720,299$0$108,583,854
99$161,646,066$5,775,116$0$119,332,374
100$177,901,385$5,825,516$0$131,170,748