Can I retire at age 52 with 2,250,000?

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 $2,250,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12%
1 years$185,803$184,148$182,533$180,957$179,418$177,915
2 years$91,982$90,269$88,608$86,999$85,437$83,922
3 years$60,712$58,991$57,335$55,741$54,205$52,725
4 years$45,080$43,365$41,726$40,158$38,659$37,226
5 years$35,704$33,999$32,381$30,845$29,388$28,006
6 years$29,455$27,762$26,168$24,667$23,254$21,924
7 years$24,993$23,315$21,746$20,280$18,912$17,635
8 years$21,648$19,985$18,442$17,013$15,689$14,465
9 years$19,048$17,401$15,884$14,491$13,212$12,041
10 years$16,969$15,338$13,848$12,491$11,258$10,138
11 years$15,269$13,654$12,192$10,871$9,682$8,614
12 years$13,853$12,255$10,820$9,536$8,390$7,372
13 years$12,657$11,075$9,667$8,418$7,316$6,348
14 years$11,632$10,067$8,686$7,473$6,414$5,492
15 years$10,744$9,197$7,842$6,665$5,647$4,772
16 years$9,968$8,438$7,110$5,967$4,991$4,161
17 years$9,285$7,771$6,470$5,362$4,425$3,640
18 years$8,677$7,181$5,906$4,832$3,935$3,191
19 years$8,135$6,655$5,407$4,366$3,507$2,804
20 years$7,647$6,184$4,962$3,954$3,133$2,469
21 years$7,206$5,760$4,564$3,589$2,803$2,178
22 years$6,806$5,377$4,207$3,263$2,513$1,923
23 years$6,441$5,029$3,884$2,972$2,256$1,701
24 years$6,108$4,712$3,592$2,710$2,027$1,506
25 years$5,801$4,422$3,327$2,475$1,824$1,334
26 years$5,518$4,156$3,086$2,263$1,643$1,183
27 years$5,257$3,911$2,865$2,072$1,482$1,050
28 years$5,015$3,685$2,664$1,898$1,337$933
29 years$4,790$3,477$2,479$1,741$1,207$829
30 years$4,580$3,283$2,309$1,597$1,091$737
31 years$4,384$3,104$2,152$1,467$986$656
32 years$4,201$2,937$2,008$1,348$892$584
33 years$4,029$2,781$1,875$1,240$807$520
34 years$3,868$2,636$1,752$1,141$731$463
35 years$3,716$2,500$1,638$1,050$662$412
36 years$3,574$2,373$1,532$967$600$367
37 years$3,439$2,254$1,434$891$544$327
38 years$3,311$2,142$1,343$821$493$292
39 years$3,190$2,037$1,258$757$447$260
40 years$3,076$1,938$1,179$699$405$232
41 years$2,968$1,845$1,106$644$368$207
42 years$2,865$1,757$1,037$595$334$184
43 years$2,767$1,674$973$549$303$165
44 years$2,673$1,596$914$507$275$147
45 years$2,584$1,522$858$468$250$131
46 years$2,500$1,451$806$432$227$117
47 years$2,419$1,385$757$400$206$104
48 years$2,341$1,322$711$369$187$93
49 years$2,268$1,263$669$341$170$83
50 years$2,197$1,206$629$315$154$74

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,250,000, adding $5,148 every year, while hoping to spend $31,592 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: 51/30/19 Blend
51$2,250,000$2,250,000$2,250,000$2,250,000
52$2,484,810$2,365,560$2,330,685$2,598,232
53$2,704,647$2,447,859$2,375,149$2,759,260
54$2,945,849$2,533,132$2,420,045$2,930,548
55$3,210,561$2,621,490$2,465,351$3,116,105
56$3,501,147$2,713,052$2,511,049$3,317,290
57$3,820,210$2,807,938$2,557,116$3,535,602
58$4,170,620$2,906,275$2,603,528$3,772,687
59$4,555,534$3,008,194$2,650,257$4,030,357
60$4,978,435$3,113,832$2,697,277$4,310,606
61$5,443,156$3,223,331$2,744,557$4,615,628
62$5,953,922$3,336,837$2,792,063$4,947,837
63$6,515,385$3,454,506$2,839,761$5,309,890
64$7,132,675$3,576,497$2,887,613$5,704,711
65$7,811,438$3,702,976$2,935,579$6,135,520
66$8,557,900$3,834,117$2,983,615$6,605,861
67$9,378,915$3,970,098$3,031,676$7,119,635
68$10,282,040$4,111,108$3,079,712$7,681,137
69$11,275,597$4,257,342$3,127,672$8,295,097
70$12,368,758$4,409,002$3,175,499$8,966,721
71$13,571,628$4,566,299$3,223,135$9,701,745
72$14,895,340$4,729,453$3,270,515$10,506,481
73$16,352,161$4,898,694$3,317,575$11,387,884
74$17,955,610$5,074,258$3,364,242$12,353,612
75$19,720,580$5,256,394$3,410,441$13,412,099
76$21,663,482$5,445,360$3,456,094$14,572,634
77$23,802,398$5,641,424$3,501,115$15,845,448
78$26,157,256$5,844,867$3,545,415$17,241,810
79$28,750,010$6,055,979$3,588,900$18,774,134
80$31,604,853$6,275,064$3,631,470$20,456,092
81$34,748,444$6,502,439$3,673,021$22,302,745
82$38,210,158$6,738,431$3,713,439$24,330,686
83$42,022,364$6,983,384$3,752,610$26,558,190
84$46,220,731$7,237,655$3,790,407$29,005,394
85$50,844,561$7,501,616$3,826,702$31,694,477
86$55,937,166$7,775,655$3,861,356$34,649,876
87$61,546,269$8,060,174$3,894,224$37,898,512
88$67,724,462$8,355,597$3,925,154$41,470,045
89$74,529,696$8,662,359$3,953,985$45,397,151
90$82,025,829$8,980,919$3,980,548$49,715,832
91$90,283,233$9,311,753$4,004,665$54,465,751
92$99,379,451$9,655,357$4,026,150$59,690,609
93$109,399,934$10,012,249$4,044,805$65,438,557
94$120,438,845$10,382,967$4,060,424$71,762,646
95$132,599,949$10,768,074$4,072,790$78,721,327
96$145,997,590$11,168,156$4,081,674$86,379,004
97$160,757,773$11,583,824$4,086,839$94,806,641
98$177,019,349$12,015,716$4,088,032$104,082,426
99$194,935,332$12,464,495$4,084,990$114,292,512
100$214,674,335$12,930,854$4,077,437$125,531,829