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

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 $2,260,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.3%
1 years$186,629$184,966$183,344$181,761$180,216$174,867
2 years$92,390$90,670$89,002$87,385$85,817$80,473
3 years$60,982$59,254$57,590$55,989$54,446$49,273
4 years$45,281$43,558$41,911$40,337$38,831$33,870
5 years$35,862$34,150$32,525$30,982$29,519$24,782
6 years$29,585$27,886$26,285$24,777$23,357$18,850
7 years$25,104$23,419$21,843$20,370$18,996$14,717
8 years$21,744$20,074$18,524$17,088$15,759$11,707
9 years$19,132$17,478$15,955$14,555$13,271$9,441
10 years$17,044$15,406$13,910$12,547$11,308$7,695
11 years$15,337$13,715$12,246$10,920$9,725$6,323
12 years$13,915$12,310$10,868$9,578$8,427$5,229
13 years$12,713$11,125$9,710$8,456$7,349$4,347
14 years$11,683$10,112$8,724$7,506$6,442$3,629
15 years$10,792$9,237$7,877$6,694$5,672$3,040
16 years$10,013$8,475$7,142$5,994$5,013$2,554
17 years$9,326$7,805$6,499$5,385$4,445$2,150
18 years$8,716$7,212$5,932$4,853$3,952$1,814
19 years$8,171$6,684$5,431$4,385$3,523$1,533
20 years$7,681$6,211$4,984$3,972$3,146$1,297
21 years$7,238$5,786$4,584$3,605$2,816$1,099
22 years$6,836$5,401$4,225$3,278$2,524$932
23 years$6,470$5,051$3,901$2,985$2,266$791
24 years$6,135$4,733$3,608$2,722$2,036$672
25 years$5,827$4,441$3,342$2,486$1,832$571
26 years$5,543$4,174$3,099$2,273$1,651$485
27 years$5,280$3,928$2,878$2,081$1,488$413
28 years$5,037$3,702$2,675$1,906$1,343$351
29 years$4,811$3,492$2,490$1,748$1,213$299
30 years$4,600$3,298$2,319$1,604$1,096$254
31 years$4,404$3,118$2,162$1,474$991$217
32 years$4,220$2,950$2,017$1,354$896$184
33 years$4,047$2,794$1,883$1,245$811$157
34 years$3,885$2,648$1,760$1,146$734$134
35 years$3,733$2,511$1,645$1,055$665$114
36 years$3,589$2,384$1,539$971$602$97
37 years$3,454$2,264$1,441$895$546$83
38 years$3,326$2,152$1,349$825$495$71
39 years$3,205$2,046$1,264$761$449$60
40 years$3,090$1,946$1,185$702$407$51
41 years$2,981$1,853$1,111$647$369$44
42 years$2,877$1,765$1,042$597$335$37
43 years$2,779$1,681$978$551$304$32
44 years$2,685$1,603$918$509$276$27
45 years$2,596$1,528$862$470$251$23
46 years$2,511$1,458$809$434$228$20
47 years$2,430$1,391$760$401$207$17
48 years$2,352$1,328$715$371$188$14
49 years$2,278$1,268$672$343$170$12
50 years$2,207$1,212$631$317$155$10

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 $5,794 every year, while hoping to spend $31,109 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: 61/10/29 Blend
51$2,260,000$2,260,000$2,260,000$2,260,000
52$2,496,497$2,376,717$2,341,687$2,628,892
53$2,718,039$2,460,076$2,387,033$2,803,155
54$2,961,137$2,546,477$2,432,857$2,989,448
55$3,227,955$2,636,037$2,479,139$3,192,158
56$3,520,879$2,728,875$2,525,863$3,412,895
57$3,842,538$2,825,119$2,573,008$3,653,434
58$4,195,825$2,924,898$2,620,552$3,915,727
59$4,583,929$3,028,348$2,668,471$4,201,927
60$5,010,365$3,135,612$2,716,740$4,514,400
61$5,479,001$3,246,836$2,765,330$4,855,757
62$5,994,102$3,362,174$2,814,211$5,228,871
63$6,560,365$3,481,785$2,863,352$5,636,906
64$7,182,965$3,605,836$2,912,717$6,083,347
65$7,867,604$3,734,498$2,962,269$6,572,036
66$8,620,563$3,867,952$3,011,969$7,107,202
67$9,448,764$4,006,385$3,061,773$7,693,503
68$10,359,832$4,149,991$3,111,636$8,336,074
69$11,362,168$4,298,974$3,161,509$9,040,568
70$12,465,030$4,453,545$3,211,341$9,813,215
71$13,678,617$4,613,923$3,261,075$10,660,878
72$15,014,168$4,780,337$3,310,653$11,591,119
73$16,484,066$4,953,027$3,360,013$12,612,267
74$18,101,955$5,132,239$3,409,087$13,733,501
75$19,882,869$5,318,233$3,457,806$14,964,932
76$21,843,372$5,511,277$3,506,094$16,317,704
77$24,001,720$5,711,653$3,553,871$17,804,091
78$26,378,024$5,919,653$3,601,055$19,437,619
79$28,994,447$6,135,581$3,647,555$21,233,193
80$31,875,411$6,359,754$3,693,277$23,207,233
81$35,047,823$6,592,503$3,738,123$25,377,833
82$38,541,337$6,834,171$3,781,986$27,764,932
83$42,388,627$7,085,119$3,824,756$30,390,497
84$46,625,696$7,345,719$3,866,314$33,278,735
85$51,292,219$7,616,361$3,906,538$36,456,321
86$56,431,915$7,897,453$3,945,297$39,952,647
87$62,092,958$8,189,416$3,982,452$43,800,099
88$68,328,435$8,492,692$4,017,860$48,034,367
89$75,196,844$8,807,742$4,051,366$52,694,777
90$82,762,645$9,135,045$4,082,810$57,824,663
91$91,096,874$9,475,101$4,112,023$63,471,778
92$100,277,806$9,828,432$4,138,827$69,688,742
93$110,391,698$10,195,581$4,163,033$76,533,540
94$121,533,602$10,577,115$4,184,446$84,070,068
95$133,808,261$10,973,626$4,202,857$92,368,738
96$147,331,100$11,385,730$4,218,049$101,507,139
97$162,229,313$11,814,071$4,229,794$111,570,772
98$178,643,062$12,259,320$4,237,851$122,653,857
99$196,726,803$12,722,175$4,241,968$134,860,221
100$216,650,744$13,203,369$4,241,881$148,304,277