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

Use the below retirement simulation to view the chances of a successful retirement.
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%16.8%
1 years$184,151$182,511$180,911$179,349$177,823$172,894
2 years$91,164$89,466$87,821$86,225$84,678$79,748
3 years$60,172$58,467$56,826$55,245$53,723$48,948
4 years$44,679$42,980$41,355$39,801$38,316$33,731
5 years$35,386$33,696$32,093$30,571$29,127$24,746
6 years$29,193$27,516$25,936$24,448$23,047$18,874
7 years$24,771$23,108$21,553$20,100$18,744$14,778
8 years$21,455$19,808$18,278$16,861$15,550$11,790
9 years$18,878$17,246$15,743$14,362$13,095$9,537
10 years$16,818$15,202$13,725$12,380$11,158$7,797
11 years$15,133$13,533$12,084$10,775$9,596$6,427
12 years$13,730$12,147$10,724$9,451$8,316$5,333
13 years$12,544$10,977$9,581$8,344$7,251$4,449
14 years$11,528$9,978$8,609$7,407$6,357$3,727
15 years$10,649$9,115$7,772$6,605$5,597$3,133
16 years$9,880$8,363$7,047$5,914$4,946$2,641
17 years$9,202$7,702$6,412$5,314$4,386$2,232
18 years$8,600$7,117$5,854$4,789$3,900$1,890
19 years$8,062$6,596$5,359$4,327$3,476$1,603
20 years$7,579$6,129$4,918$3,919$3,105$1,362
21 years$7,142$5,709$4,524$3,557$2,778$1,158
22 years$6,746$5,329$4,169$3,234$2,490$986
23 years$6,384$4,984$3,850$2,945$2,236$840
24 years$6,053$4,670$3,560$2,686$2,009$716
25 years$5,749$4,382$3,297$2,453$1,808$611
26 years$5,469$4,119$3,058$2,243$1,629$522
27 years$5,210$3,876$2,840$2,053$1,468$445
28 years$4,970$3,653$2,640$1,881$1,325$380
29 years$4,747$3,446$2,457$1,725$1,196$325
30 years$4,539$3,254$2,288$1,583$1,081$278
31 years$4,345$3,076$2,133$1,454$977$238
32 years$4,164$2,911$1,990$1,336$884$203
33 years$3,994$2,757$1,858$1,229$800$174
34 years$3,834$2,613$1,736$1,131$724$149
35 years$3,683$2,478$1,623$1,041$656$127
36 years$3,542$2,352$1,519$959$594$109
37 years$3,408$2,234$1,421$883$539$93
38 years$3,282$2,123$1,331$814$488$80
39 years$3,162$2,019$1,247$751$443$68
40 years$3,049$1,921$1,169$692$402$58
41 years$2,941$1,828$1,096$639$365$50
42 years$2,839$1,741$1,028$589$331$43
43 years$2,742$1,659$965$544$300$37
44 years$2,650$1,581$906$502$272$31
45 years$2,561$1,508$850$464$247$27
46 years$2,477$1,439$799$429$225$23
47 years$2,397$1,373$750$396$204$20
48 years$2,321$1,311$705$366$185$17
49 years$2,247$1,252$663$338$168$14
50 years$2,177$1,195$623$313$153$12

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 $5,181 every year, while hoping to spend $52,380 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: 35/49/16 Blend
51$2,230,000$2,230,000$2,230,000$2,230,000
52$2,462,804$2,344,614$2,310,049$2,536,701
53$2,658,278$2,403,768$2,331,704$2,650,056
54$2,871,935$2,464,066$2,352,329$2,766,982
55$3,105,574$2,525,506$2,371,833$2,892,020
56$3,361,177$2,588,090$2,390,123$3,025,921
57$3,640,924$2,651,814$2,407,100$3,169,506
58$3,947,218$2,716,672$2,422,657$3,323,684
59$4,282,703$2,782,658$2,436,686$3,489,451
60$4,650,294$2,849,764$2,449,070$3,667,909
61$5,053,198$2,917,976$2,459,687$3,860,269
62$5,494,948$2,987,281$2,468,411$4,067,864
63$5,979,435$3,057,660$2,475,105$4,292,165
64$6,510,947$3,129,095$2,479,630$4,534,791
65$7,094,203$3,201,560$2,481,838$4,797,527
66$7,734,405$3,275,029$2,481,572$5,082,338
67$8,437,280$3,349,471$2,478,670$5,391,392
68$9,209,137$3,424,851$2,472,961$5,727,075
69$10,056,929$3,501,128$2,464,265$6,092,020
70$10,988,312$3,578,260$2,452,394$6,489,125
71$12,011,722$3,656,196$2,437,151$6,921,588
72$13,136,452$3,734,884$2,418,330$7,392,930
73$14,372,739$3,814,263$2,395,713$7,907,033
74$15,731,863$3,894,266$2,369,074$8,468,177
75$17,226,251$3,974,823$2,338,176$9,081,080
76$18,869,593$4,055,854$2,302,770$9,750,938
77$20,676,974$4,137,273$2,262,594$10,483,485
78$22,665,011$4,218,985$2,217,377$11,285,035
79$24,852,017$4,300,890$2,166,834$12,162,553
80$27,258,165$4,382,876$2,110,665$13,123,714
81$29,905,684$4,464,823$2,048,559$14,176,978
82$32,819,066$4,546,602$1,980,188$15,331,671
83$36,025,298$4,628,073$1,905,212$16,598,074
84$39,554,115$4,709,084$1,823,272$17,987,520
85$43,438,279$4,789,474$1,733,996$19,512,499
86$47,713,892$4,869,067$1,636,994$21,186,782
87$52,420,732$4,947,674$1,531,856$23,025,547
88$57,602,630$5,025,093$1,418,157$25,045,527
89$63,307,884$5,101,109$1,295,450$27,265,163
90$69,589,712$5,175,487$1,163,272$29,704,787
91$76,506,756$5,247,979$1,021,135$32,386,809
92$84,123,633$5,318,318$868,531$35,335,930
93$92,511,547$5,386,219$704,931$38,579,380
94$101,748,959$5,451,378$529,780$42,147,174
95$111,922,325$5,513,468$342,500$46,072,396
96$123,126,917$5,572,142$142,488$50,391,512
97$135,467,715$5,627,030$0$55,144,720
98$149,060,403$5,677,735$0$60,388,443
99$164,032,457$5,723,837$0$66,186,150
100$180,524,349$5,764,887$0$72,567,439