Can I retire at age 52 with 2,220,000?

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 $2,220,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14%
1 years$183,326$181,693$180,099$178,544$177,026$174,093
2 years$90,755$89,065$87,427$85,839$84,298$81,352
3 years$59,902$58,205$56,571$54,998$53,482$50,614
4 years$44,479$42,787$41,169$39,623$38,144$35,377
5 years$35,228$33,545$31,949$30,434$28,996$26,337
6 years$29,062$27,392$25,820$24,338$22,944$20,396
7 years$24,659$23,004$21,456$20,010$18,660$16,224
8 years$21,359$19,719$18,197$16,786$15,480$13,156
9 years$18,794$17,169$15,673$14,298$13,036$10,823
10 years$16,742$15,133$13,664$12,325$11,108$9,003
11 years$15,065$13,472$12,029$10,726$9,553$7,555
12 years$13,669$12,092$10,676$9,408$8,278$6,384
13 years$12,488$10,928$9,538$8,306$7,219$5,425
14 years$11,477$9,933$8,570$7,373$6,328$4,632
15 years$10,601$9,074$7,738$6,576$5,572$3,971
16 years$9,835$8,325$7,015$5,888$4,924$3,415
17 years$9,161$7,667$6,384$5,290$4,366$2,945
18 years$8,562$7,085$5,827$4,768$3,882$2,545
19 years$8,026$6,566$5,335$4,308$3,460$2,205
20 years$7,545$6,102$4,896$3,902$3,091$1,913
21 years$7,110$5,683$4,503$3,541$2,766$1,662
22 years$6,715$5,305$4,150$3,220$2,479$1,446
23 years$6,356$4,962$3,832$2,932$2,226$1,259
24 years$6,026$4,649$3,544$2,674$2,000$1,097
25 years$5,724$4,363$3,283$2,442$1,800$957
26 years$5,445$4,100$3,044$2,233$1,621$836
27 years$5,187$3,859$2,827$2,044$1,462$730
28 years$4,948$3,636$2,628$1,873$1,319$638
29 years$4,726$3,430$2,446$1,717$1,191$558
30 years$4,519$3,240$2,278$1,576$1,076$488
31 years$4,326$3,062$2,124$1,448$973$427
32 years$4,145$2,898$1,982$1,330$880$374
33 years$3,976$2,744$1,850$1,223$797$327
34 years$3,817$2,601$1,729$1,126$721$287
35 years$3,667$2,467$1,616$1,036$653$251
36 years$3,526$2,341$1,512$954$592$220
37 years$3,393$2,224$1,415$879$536$193
38 years$3,267$2,113$1,325$810$486$169
39 years$3,148$2,010$1,242$747$441$148
40 years$3,035$1,912$1,164$689$400$130
41 years$2,928$1,820$1,091$636$363$114
42 years$2,826$1,733$1,024$587$329$100
43 years$2,730$1,652$960$542$299$87
44 years$2,638$1,574$902$500$271$77
45 years$2,550$1,501$847$462$246$67
46 years$2,466$1,432$795$427$224$59
47 years$2,387$1,367$747$394$203$52
48 years$2,310$1,305$702$364$184$45
49 years$2,237$1,246$660$337$167$40
50 years$2,167$1,190$620$311$152$35

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,220,000, adding $6,390 every year, while hoping to spend $45,450 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: 59/15/26 Blend
51$2,220,000$2,220,000$2,220,000$2,220,000
52$2,453,031$2,335,371$2,300,961$2,580,171
53$2,654,882$2,401,446$2,329,685$2,733,715
54$2,875,798$2,469,235$2,357,848$2,895,701
55$3,117,677$2,538,775$2,385,383$3,071,426
56$3,382,606$2,610,101$2,412,219$3,262,236
57$3,672,886$2,683,250$2,438,283$3,469,611
58$3,991,050$2,758,259$2,463,495$3,695,184
59$4,339,889$2,835,165$2,487,773$3,940,753
60$4,722,474$2,914,004$2,511,030$4,208,296
61$5,142,189$2,994,814$2,533,173$4,499,997
62$5,602,764$3,077,632$2,554,106$4,818,258
63$6,108,304$3,162,493$2,573,726$5,165,729
64$6,663,331$3,249,436$2,591,926$5,545,326
65$7,272,829$3,338,496$2,608,594$5,960,264
66$7,942,285$3,429,710$2,623,609$6,414,087
67$8,677,746$3,523,114$2,636,848$6,910,698
68$9,485,872$3,618,743$2,648,179$7,454,397
69$10,374,002$3,716,632$2,657,464$8,049,924
70$11,350,219$3,816,816$2,664,558$8,702,501
71$12,423,430$3,919,328$2,669,308$9,417,885
72$13,603,445$4,024,200$2,671,556$10,202,416
73$14,901,077$4,131,466$2,671,133$11,063,084
74$16,328,234$4,241,155$2,667,863$12,007,590
75$17,898,039$4,353,298$2,661,562$13,044,421
76$19,624,951$4,467,921$2,652,037$14,182,931
77$21,524,899$4,585,053$2,639,083$15,433,426
78$23,615,436$4,704,717$2,622,489$16,807,266
79$25,915,899$4,826,937$2,602,031$18,316,967
80$28,447,598$4,951,734$2,577,477$19,976,326
81$31,234,011$5,079,127$2,548,580$21,800,545
82$34,301,008$5,209,132$2,515,086$23,806,378
83$37,677,094$5,341,763$2,476,724$26,012,289
84$41,393,679$5,477,030$2,433,216$28,438,625
85$45,485,371$5,614,942$2,384,265$31,107,812
86$49,990,306$5,755,501$2,329,565$34,044,563
87$54,950,506$5,898,709$2,268,794$37,276,112
88$60,412,273$6,044,561$2,201,614$40,832,476
89$66,426,630$6,193,050$2,127,674$44,746,730
90$73,049,800$6,344,163$2,046,604$49,055,330
91$80,343,733$6,497,881$1,958,019$53,798,450
92$88,376,698$6,654,181$1,861,517$59,020,363
93$97,223,919$6,813,033$1,756,675$64,769,862
94$106,968,290$6,974,403$1,643,055$71,100,719
95$117,701,154$7,138,247$1,520,196$78,072,194
96$129,523,166$7,304,516$1,387,617$85,749,594
97$142,545,243$7,473,151$1,244,816$94,204,892
98$156,889,609$7,644,087$1,091,269$103,517,403
99$172,690,950$7,817,248$926,427$113,774,541
100$190,097,684$7,992,550$749,720$125,072,635