Can I retire at age 52 with 2,260,000?

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 $2,260,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.3%
1 years$186,629$184,966$183,344$181,761$180,216$179,230
2 years$92,390$90,670$89,002$87,385$85,817$84,823
3 years$60,982$59,254$57,590$55,989$54,446$53,473
4 years$45,281$43,558$41,911$40,337$38,831$37,888
5 years$35,862$34,150$32,525$30,982$29,519$28,608
6 years$29,585$27,886$26,285$24,777$23,357$22,480
7 years$25,104$23,419$21,843$20,370$18,996$18,152
8 years$21,744$20,074$18,524$17,088$15,759$14,949
9 years$19,132$17,478$15,955$14,555$13,271$12,495
10 years$17,044$15,406$13,910$12,547$11,308$10,564
11 years$15,337$13,715$12,246$10,920$9,725$9,014
12 years$13,915$12,310$10,868$9,578$8,427$7,749
13 years$12,713$11,125$9,710$8,456$7,349$6,702
14 years$11,683$10,112$8,724$7,506$6,442$5,826
15 years$10,792$9,237$7,877$6,694$5,672$5,086
16 years$10,013$8,475$7,142$5,994$5,013$4,456
17 years$9,326$7,805$6,499$5,385$4,445$3,916
18 years$8,716$7,212$5,932$4,853$3,952$3,451
19 years$8,171$6,684$5,431$4,385$3,523$3,048
20 years$7,681$6,211$4,984$3,972$3,146$2,697
21 years$7,238$5,786$4,584$3,605$2,816$2,391
22 years$6,836$5,401$4,225$3,278$2,524$2,123
23 years$6,470$5,051$3,901$2,985$2,266$1,887
24 years$6,135$4,733$3,608$2,722$2,036$1,680
25 years$5,827$4,441$3,342$2,486$1,832$1,496
26 years$5,543$4,174$3,099$2,273$1,651$1,335
27 years$5,280$3,928$2,878$2,081$1,488$1,191
28 years$5,037$3,702$2,675$1,906$1,343$1,064
29 years$4,811$3,492$2,490$1,748$1,213$951
30 years$4,600$3,298$2,319$1,604$1,096$850
31 years$4,404$3,118$2,162$1,474$991$761
32 years$4,220$2,950$2,017$1,354$896$681
33 years$4,047$2,794$1,883$1,245$811$610
34 years$3,885$2,648$1,760$1,146$734$546
35 years$3,733$2,511$1,645$1,055$665$489
36 years$3,589$2,384$1,539$971$602$438
37 years$3,454$2,264$1,441$895$546$393
38 years$3,326$2,152$1,349$825$495$353
39 years$3,205$2,046$1,264$761$449$316
40 years$3,090$1,946$1,185$702$407$284
41 years$2,981$1,853$1,111$647$369$254
42 years$2,877$1,765$1,042$597$335$228
43 years$2,779$1,681$978$551$304$205
44 years$2,685$1,603$918$509$276$184
45 years$2,596$1,528$862$470$251$165
46 years$2,511$1,458$809$434$228$148
47 years$2,430$1,391$760$401$207$133
48 years$2,352$1,328$715$371$188$119
49 years$2,278$1,268$672$343$170$107
50 years$2,207$1,212$631$317$155$96

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,260,000, adding $5,446 every year, while hoping to spend $27,593 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: 31/41/28 Blend
51$2,260,000$2,260,000$2,260,000$2,260,000
52$2,496,138$2,376,358$2,341,328$2,551,968
53$2,721,385$2,463,440$2,390,403$2,682,709
54$2,968,683$2,553,865$2,440,198$2,820,548
55$3,240,251$2,647,767$2,490,707$2,968,382
56$3,538,535$2,745,286$2,541,925$3,127,105
57$3,866,229$2,846,569$2,593,843$3,297,699
58$4,226,301$2,951,768$2,646,453$3,481,240
59$4,622,020$3,061,041$2,699,746$3,678,910
60$5,056,989$3,174,555$2,753,710$3,892,010
61$5,535,176$3,292,482$2,808,333$4,121,964
62$6,060,952$3,415,002$2,863,601$4,370,340
63$6,639,135$3,542,303$2,919,497$4,638,860
64$7,275,032$3,674,580$2,976,005$4,929,416
65$7,974,489$3,812,039$3,033,106$5,244,087
66$8,743,949$3,954,891$3,090,777$5,585,160
67$9,590,511$4,103,359$3,148,996$5,955,149
68$10,521,993$4,257,674$3,207,738$6,356,818
69$11,547,015$4,418,078$3,266,976$6,793,206
70$12,675,069$4,584,823$3,326,678$7,267,656
71$13,916,618$4,758,172$3,386,814$7,783,848
72$15,283,189$4,938,398$3,447,348$8,345,826
73$16,787,484$5,125,788$3,508,243$8,958,041
74$18,443,496$5,320,641$3,569,459$9,625,392
75$20,266,648$5,523,268$3,630,951$10,353,268
76$22,273,932$5,733,994$3,692,674$11,147,600
77$24,484,072$5,953,158$3,754,577$12,014,917
78$26,917,699$6,181,115$3,816,607$12,962,404
79$29,597,548$6,418,233$3,878,707$13,997,969
80$32,548,670$6,664,899$3,940,816$15,130,320
81$35,798,670$6,921,515$4,002,869$16,369,040
82$39,377,966$7,188,501$4,064,797$17,724,683
83$43,320,077$7,466,296$4,126,527$19,208,866
84$47,661,939$7,755,358$4,187,979$20,834,382
85$52,444,252$8,056,166$4,249,071$22,615,317
86$57,711,866$8,369,218$4,309,715$24,567,181
87$63,514,202$8,695,036$4,369,817$26,707,056
88$69,905,723$9,034,165$4,429,278$29,053,752
89$76,946,440$9,387,172$4,487,992$31,627,985
90$84,702,486$9,754,653$4,545,849$34,452,570
91$93,246,735$10,137,226$4,602,731$37,552,636
92$102,659,493$10,535,541$4,658,513$40,955,859
93$113,029,251$10,950,273$4,713,063$44,692,723
94$124,453,528$11,382,129$4,766,244$48,796,806
95$137,039,783$11,831,848$4,817,908$53,305,094
96$150,906,433$12,300,201$4,867,900$58,258,328
97$166,183,972$12,787,994$4,916,058$63,701,386
98$183,016,201$13,296,069$4,962,209$69,683,707
99$201,561,583$13,825,306$5,006,173$76,259,750
100$221,994,742$14,376,624$5,047,757$83,489,511