Can I retire at age 52 with 2,210,000?

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 $2,210,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.8%
1 years$182,500$180,874$179,288$177,740$176,229$172,741
2 years$90,346$88,664$87,033$85,452$83,918$80,419
3 years$59,633$57,943$56,316$54,750$53,241$49,840
4 years$44,279$42,594$40,984$39,444$37,972$34,695
5 years$35,069$33,394$31,805$30,297$28,866$25,722
6 years$28,931$27,269$25,703$24,229$22,841$19,833
7 years$24,548$22,900$21,359$19,920$18,575$15,706
8 years$21,263$19,630$18,115$16,710$15,410$12,677
9 years$18,709$17,091$15,602$14,233$12,978$10,379
10 years$16,667$15,065$13,602$12,269$11,058$8,591
11 years$14,997$13,412$11,975$10,678$9,510$7,173
12 years$13,607$12,038$10,628$9,366$8,241$6,030
13 years$12,432$10,878$9,495$8,269$7,186$5,098
14 years$11,425$9,888$8,531$7,340$6,300$4,329
15 years$10,553$9,033$7,703$6,546$5,547$3,691
16 years$9,791$8,288$6,984$5,861$4,902$3,156
17 years$9,119$7,633$6,355$5,266$4,347$2,706
18 years$8,523$7,053$5,801$4,746$3,865$2,325
19 years$7,990$6,537$5,311$4,288$3,445$2,002
20 years$7,511$6,074$4,874$3,884$3,077$1,727
21 years$7,078$5,658$4,483$3,525$2,753$1,491
22 years$6,685$5,281$4,132$3,205$2,468$1,289
23 years$6,327$4,940$3,815$2,919$2,216$1,116
24 years$5,999$4,628$3,528$2,662$1,991$966
25 years$5,698$4,343$3,268$2,431$1,792$838
26 years$5,420$4,082$3,031$2,223$1,614$727
27 years$5,163$3,842$2,814$2,035$1,455$631
28 years$4,926$3,620$2,616$1,864$1,313$548
29 years$4,705$3,415$2,435$1,710$1,186$476
30 years$4,499$3,225$2,268$1,569$1,071$413
31 years$4,306$3,049$2,114$1,441$969$359
32 years$4,126$2,885$1,973$1,324$876$312
33 years$3,958$2,732$1,842$1,218$793$272
34 years$3,799$2,589$1,721$1,120$718$236
35 years$3,650$2,456$1,609$1,031$650$206
36 years$3,510$2,331$1,505$950$589$179
37 years$3,377$2,214$1,409$875$534$156
38 years$3,252$2,104$1,319$807$484$136
39 years$3,134$2,001$1,236$744$439$118
40 years$3,021$1,903$1,158$686$398$103
41 years$2,915$1,812$1,086$633$361$89
42 years$2,814$1,726$1,019$584$328$78
43 years$2,717$1,644$956$539$297$68
44 years$2,626$1,567$898$498$270$59
45 years$2,539$1,494$843$460$245$51
46 years$2,455$1,426$792$425$223$45
47 years$2,376$1,361$744$392$202$39
48 years$2,300$1,299$699$363$184$34
49 years$2,227$1,240$657$335$167$30
50 years$2,158$1,185$618$310$151$26

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,210,000, adding $6,866 every year, while hoping to spend $25,808 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: 67/22/11 Blend
51$2,210,000$2,210,000$2,210,000$2,210,000
52$2,442,502$2,325,372$2,291,117$2,599,926
53$2,664,178$2,411,856$2,340,410$2,792,021
54$2,907,600$2,501,712$2,390,489$2,998,251
55$3,174,958$2,595,080$2,441,354$3,223,056
56$3,468,667$2,692,102$2,493,002$3,468,251
57$3,791,384$2,792,928$2,545,432$3,735,834
58$4,146,040$2,897,716$2,598,638$4,028,004
59$4,535,861$3,006,629$2,652,617$4,347,179
60$4,964,401$3,119,836$2,707,362$4,696,023
61$5,435,578$3,237,516$2,762,866$5,077,469
62$5,953,706$3,359,853$2,819,122$5,494,744
63$6,523,539$3,487,042$2,876,118$5,951,402
64$7,150,317$3,619,283$2,933,844$6,451,355
65$7,839,809$3,756,787$2,992,288$6,998,913
66$8,598,374$3,899,775$3,051,434$7,598,818
67$9,433,018$4,048,474$3,111,267$8,256,296
68$10,351,461$4,203,124$3,171,769$8,977,098
69$11,362,207$4,363,974$3,232,921$9,767,559
70$12,474,629$4,531,286$3,294,701$10,634,658
71$13,699,052$4,705,330$3,357,084$11,586,078
72$15,046,855$4,886,391$3,420,046$12,630,283
73$16,530,575$5,074,764$3,483,558$13,776,595
74$18,164,026$5,270,760$3,547,590$15,035,282
75$19,962,429$5,474,700$3,612,107$16,417,652
76$21,942,559$5,686,922$3,677,074$17,936,165
77$24,122,896$5,907,778$3,742,453$19,604,543
78$26,523,807$6,137,635$3,808,200$21,437,904
79$29,167,733$6,376,876$3,874,273$23,452,899
80$32,079,402$6,625,903$3,940,621$25,667,874
81$35,286,063$6,885,134$4,007,193$28,103,039
82$38,817,742$7,155,006$4,073,935$30,780,659
83$42,707,526$7,435,976$4,140,786$33,725,260
84$46,991,875$7,728,520$4,207,683$36,963,866
85$51,710,964$8,033,136$4,274,560$40,526,248
86$56,909,068$8,350,345$4,341,343$44,445,207
87$62,634,971$8,680,690$4,407,956$48,756,879
88$68,942,433$9,024,739$4,474,317$53,501,081
89$75,890,696$9,383,085$4,540,341$58,721,678
90$83,545,039$9,756,349$4,605,935$64,467,003
91$91,977,401$10,145,177$4,671,001$70,790,310
92$101,267,052$10,550,248$4,735,436$77,750,271
93$111,501,348$10,972,267$4,799,131$85,411,536
94$122,776,552$11,411,974$4,861,968$93,845,337
95$135,198,742$11,870,143$4,923,825$103,130,161
96$148,884,814$12,347,579$4,984,573$113,352,487
97$163,963,582$12,845,128$5,044,073$124,607,605
98$180,576,999$13,363,671$5,102,181$137,000,511
99$198,881,492$13,904,130$5,158,744$150,646,897
100$219,049,440$14,467,469$5,213,598$165,674,242