Can I retire at age 52 with 2,230,000?

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 $2,230,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.4%
1 years$184,151$182,511$180,911$179,349$177,823$173,878
2 years$91,164$89,466$87,821$86,225$84,678$80,723
3 years$60,172$58,467$56,826$55,245$53,723$49,883
4 years$44,679$42,980$41,355$39,801$38,316$34,620
5 years$35,386$33,696$32,093$30,571$29,127$25,585
6 years$29,193$27,516$25,936$24,448$23,047$19,664
7 years$24,771$23,108$21,553$20,100$18,744$15,519
8 years$21,455$19,808$18,278$16,861$15,550$12,482
9 years$18,878$17,246$15,743$14,362$13,095$10,183
10 years$16,818$15,202$13,725$12,380$11,158$8,398
11 years$15,133$13,533$12,084$10,775$9,596$6,985
12 years$13,730$12,147$10,724$9,451$8,316$5,849
13 years$12,544$10,977$9,581$8,344$7,251$4,925
14 years$11,528$9,978$8,609$7,407$6,357$4,166
15 years$10,649$9,115$7,772$6,605$5,597$3,536
16 years$9,880$8,363$7,047$5,914$4,946$3,011
17 years$9,202$7,702$6,412$5,314$4,386$2,571
18 years$8,600$7,117$5,854$4,789$3,900$2,200
19 years$8,062$6,596$5,359$4,327$3,476$1,885
20 years$7,579$6,129$4,918$3,919$3,105$1,619
21 years$7,142$5,709$4,524$3,557$2,778$1,391
22 years$6,746$5,329$4,169$3,234$2,490$1,197
23 years$6,384$4,984$3,850$2,945$2,236$1,031
24 years$6,053$4,670$3,560$2,686$2,009$889
25 years$5,749$4,382$3,297$2,453$1,808$767
26 years$5,469$4,119$3,058$2,243$1,629$662
27 years$5,210$3,876$2,840$2,053$1,468$572
28 years$4,970$3,653$2,640$1,881$1,325$494
29 years$4,747$3,446$2,457$1,725$1,196$427
30 years$4,539$3,254$2,288$1,583$1,081$369
31 years$4,345$3,076$2,133$1,454$977$320
32 years$4,164$2,911$1,990$1,336$884$276
33 years$3,994$2,757$1,858$1,229$800$239
34 years$3,834$2,613$1,736$1,131$724$207
35 years$3,683$2,478$1,623$1,041$656$179
36 years$3,542$2,352$1,519$959$594$155
37 years$3,408$2,234$1,421$883$539$134
38 years$3,282$2,123$1,331$814$488$116
39 years$3,162$2,019$1,247$751$443$101
40 years$3,049$1,921$1,169$692$402$87
41 years$2,941$1,828$1,096$639$365$76
42 years$2,839$1,741$1,028$589$331$65
43 years$2,742$1,659$965$544$300$57
44 years$2,650$1,581$906$502$272$49
45 years$2,561$1,508$850$464$247$43
46 years$2,477$1,439$799$429$225$37
47 years$2,397$1,373$750$396$204$32
48 years$2,321$1,311$705$366$185$28
49 years$2,247$1,252$663$338$168$24
50 years$2,177$1,195$623$313$153$21

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,230,000, adding $6,671 every year, while hoping to spend $30,750 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: 55/23/22 Blend
51$2,230,000$2,230,000$2,230,000$2,230,000
52$2,464,341$2,346,151$2,311,586$2,584,764
53$2,682,986$2,428,395$2,356,307$2,750,255
54$2,922,902$2,513,638$2,401,494$2,926,587
55$3,186,227$2,601,995$2,447,133$3,117,962
56$3,475,314$2,693,584$2,493,204$3,325,833
57$3,792,757$2,788,531$2,539,687$3,551,796
58$4,141,412$2,886,963$2,586,561$3,797,609
59$4,524,427$2,989,015$2,633,801$4,065,208
60$4,945,268$3,094,826$2,681,383$4,356,720
61$5,407,754$3,204,541$2,729,278$4,674,489
62$5,916,093$3,318,312$2,777,457$5,021,096
63$6,474,920$3,436,294$2,825,887$5,399,380
64$7,089,342$3,558,653$2,874,535$5,812,469
65$7,764,985$3,685,557$2,923,362$6,263,805
66$8,508,049$3,817,185$2,972,330$6,757,179
67$9,325,363$3,953,720$3,021,396$7,296,766
68$10,224,452$4,095,354$3,070,514$7,887,163
69$11,213,607$4,242,287$3,119,637$8,533,432
70$12,301,963$4,394,727$3,168,713$9,241,149
71$13,499,585$4,552,891$3,217,687$10,016,453
72$14,817,563$4,717,003$3,266,500$10,866,109
73$16,268,118$4,887,299$3,315,091$11,797,564
74$17,864,712$5,064,024$3,363,393$12,819,024
75$19,622,183$5,247,431$3,411,337$13,939,526
76$21,556,876$5,437,786$3,458,847$15,169,026
77$23,686,805$5,635,365$3,505,846$16,518,489
78$26,031,818$5,840,456$3,552,250$17,999,996
79$28,613,783$6,053,358$3,597,971$19,626,855
80$31,456,801$6,274,385$3,642,915$21,413,727
81$34,587,426$6,503,861$3,686,984$23,376,762
82$38,034,918$6,742,125$3,730,073$25,533,754
83$41,831,522$6,989,530$3,772,072$27,904,306
84$46,012,765$7,246,446$3,812,864$30,510,014
85$50,617,800$7,513,255$3,852,328$33,374,673
86$55,689,768$7,790,356$3,890,334$36,524,498
87$61,276,209$8,078,168$3,926,744$39,988,373
88$67,429,508$8,377,125$3,961,416$43,798,122
89$74,207,393$8,687,678$3,994,198$47,988,806
90$81,673,474$9,010,302$4,024,931$52,599,060
91$89,897,848$9,345,487$4,053,446$57,671,450
92$98,957,760$9,693,746$4,079,568$63,252,877
93$108,938,328$10,055,617$4,103,110$69,395,018
94$119,933,351$10,431,655$4,123,877$76,154,816
95$132,046,190$10,822,443$4,141,664$83,595,013
96$145,390,747$11,228,589$4,156,256$91,784,741
97$160,092,539$11,650,725$4,167,426$100,800,177
98$176,289,879$12,089,512$4,174,936$110,725,260
99$194,135,186$12,545,638$4,178,536$121,652,480
100$213,796,423$13,019,822$4,177,965$133,683,753