Can I retire at age 52 with 2,200,000?

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 $2,200,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16%
1 years$181,674$180,056$178,477$176,936$175,431$171,121
2 years$89,938$88,263$86,639$85,065$83,539$79,223
3 years$59,363$57,681$56,061$54,502$53,000$48,814
4 years$44,078$42,401$40,798$39,266$37,800$33,775
5 years$34,910$33,243$31,661$30,160$28,735$24,883
6 years$28,800$27,146$25,587$24,119$22,737$19,061
7 years$24,437$22,797$21,263$19,830$18,491$14,992
8 years$21,167$19,541$18,033$16,635$15,340$12,017
9 years$18,624$17,014$15,531$14,169$12,919$9,768
10 years$16,592$14,997$13,541$12,214$11,007$8,026
11 years$14,930$13,351$11,921$10,630$9,467$6,650
12 years$13,546$11,983$10,580$9,324$8,204$5,547
13 years$12,375$10,829$9,452$8,231$7,154$4,652
14 years$11,373$9,843$8,493$7,307$6,271$3,918
15 years$10,505$8,992$7,668$6,516$5,521$3,312
16 years$9,747$8,250$6,952$5,835$4,880$2,809
17 years$9,078$7,598$6,326$5,243$4,327$2,388
18 years$8,485$7,021$5,775$4,725$3,847$2,034
19 years$7,954$6,507$5,287$4,269$3,429$1,735
20 years$7,477$6,047$4,852$3,866$3,063$1,483
21 years$7,046$5,632$4,463$3,509$2,741$1,269
22 years$6,655$5,257$4,113$3,191$2,457$1,087
23 years$6,298$4,917$3,798$2,906$2,205$932
24 years$5,972$4,607$3,512$2,650$1,982$800
25 years$5,672$4,323$3,253$2,420$1,784$687
26 years$5,396$4,063$3,017$2,213$1,607$590
27 years$5,140$3,824$2,802$2,026$1,449$507
28 years$4,903$3,603$2,604$1,856$1,307$436
29 years$4,683$3,399$2,424$1,702$1,180$375
30 years$4,478$3,210$2,258$1,562$1,066$323
31 years$4,287$3,035$2,105$1,434$964$278
32 years$4,108$2,872$1,964$1,318$872$239
33 years$3,940$2,719$1,833$1,212$789$206
34 years$3,782$2,577$1,713$1,115$715$177
35 years$3,634$2,445$1,602$1,027$647$153
36 years$3,494$2,320$1,498$946$586$132
37 years$3,362$2,204$1,402$871$532$113
38 years$3,238$2,094$1,313$803$482$98
39 years$3,120$1,992$1,230$740$437$84
40 years$3,008$1,895$1,153$683$396$72
41 years$2,902$1,804$1,081$630$360$62
42 years$2,801$1,718$1,014$582$326$54
43 years$2,705$1,637$952$537$296$46
44 years$2,614$1,560$893$496$269$40
45 years$2,527$1,488$839$458$244$34
46 years$2,444$1,419$788$423$222$30
47 years$2,365$1,354$740$391$201$26
48 years$2,289$1,293$696$361$183$22
49 years$2,217$1,235$654$334$166$19
50 years$2,148$1,179$615$308$151$16

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,200,000, adding $5,366 every year, while hoping to spend $39,895 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: 29/49/22 Blend
51$2,200,000$2,200,000$2,200,000$2,200,000
52$2,429,935$2,313,335$2,279,235$2,483,528
53$2,635,340$2,384,240$2,313,141$2,596,252
54$2,860,360$2,457,283$2,346,847$2,713,454
55$3,106,952$2,532,526$2,380,302$2,838,626
56$3,377,275$2,610,033$2,413,455$2,972,479
57$3,673,702$2,689,870$2,446,251$3,115,795
58$3,998,852$2,772,105$2,478,632$3,269,431
59$4,355,605$2,856,809$2,510,537$3,434,330
60$4,747,136$2,944,052$2,541,900$3,611,529
61$5,176,943$3,033,909$2,572,652$3,802,167
62$5,648,876$3,126,456$2,602,720$4,007,498
63$6,167,178$3,221,769$2,632,029$4,228,901
64$6,736,525$3,319,930$2,660,496$4,467,892
65$7,362,063$3,421,019$2,688,036$4,726,139
66$8,049,467$3,525,123$2,714,558$5,005,479
67$8,804,985$3,632,326$2,739,968$5,307,930
68$9,635,501$3,742,718$2,764,165$5,635,716
69$10,548,601$3,856,390$2,787,043$5,991,285
70$11,552,641$3,973,435$2,808,492$6,377,329
71$12,656,828$4,093,951$2,828,393$6,796,815
72$13,871,304$4,218,035$2,846,625$7,253,005
73$15,207,248$4,345,789$2,863,057$7,749,496
74$16,676,971$4,477,316$2,877,553$8,290,244
75$18,294,041$4,612,724$2,889,970$8,879,608
76$20,073,407$4,752,121$2,900,158$9,522,387
77$22,031,539$4,895,620$2,907,958$10,223,867
78$24,186,587$5,043,336$2,913,205$10,989,869
79$26,558,546$5,195,386$2,915,725$11,826,805
80$29,169,450$5,351,893$2,915,334$12,741,737
81$32,043,577$5,512,979$2,911,841$13,742,444
82$35,207,678$5,678,771$2,905,044$14,837,496
83$38,691,231$5,849,401$2,894,733$16,036,331
84$42,526,716$6,025,001$2,880,686$17,349,348
85$46,749,924$6,205,708$2,862,671$18,788,003
86$51,400,291$6,391,663$2,840,446$20,364,917
87$56,521,275$6,583,009$2,813,755$22,093,992
88$62,160,761$6,779,892$2,782,332$23,990,549
89$68,371,515$6,982,464$2,745,897$26,071,463
90$75,211,683$7,190,878$2,704,157$28,355,329
91$82,745,335$7,405,291$2,656,808$30,862,635
92$91,043,075$7,625,866$2,603,526$33,615,955
93$100,182,703$7,852,768$2,543,978$36,640,160
94$110,249,949$8,086,164$2,477,812$39,962,657
95$121,339,285$8,326,228$2,404,661$43,613,640
96$133,554,815$8,573,136$2,324,140$47,626,384
97$147,011,255$8,827,068$2,235,847$52,037,552
98$161,835,019$9,088,210$2,139,363$56,887,541
99$178,165,407$9,356,749$2,034,248$62,220,867
100$196,155,926$9,632,877$1,920,044$68,086,583