Can I retire at age 52 with 2,270,000?

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 $2,270,000?

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$187,454$185,785$184,156$182,566$181,013$176,997
2 years$92,799$91,071$89,396$87,772$86,197$82,171
3 years$61,252$59,516$57,845$56,236$54,687$50,778
4 years$45,481$43,750$42,096$40,515$39,003$35,241
5 years$36,021$34,301$32,669$31,119$29,649$26,044
6 years$29,716$28,009$26,401$24,887$23,461$20,016
7 years$25,215$23,522$21,939$20,461$19,080$15,797
8 years$21,840$20,163$18,606$17,164$15,829$12,706
9 years$19,217$17,555$16,026$14,620$13,330$10,366
10 years$17,120$15,474$13,972$12,602$11,358$8,549
11 years$15,405$13,776$12,300$10,968$9,768$7,110
12 years$13,977$12,364$10,916$9,620$8,465$5,954
13 years$12,769$11,174$9,753$8,493$7,381$5,013
14 years$11,735$10,157$8,763$7,539$6,471$4,240
15 years$10,840$9,278$7,912$6,724$5,697$3,600
16 years$10,057$8,513$7,173$6,020$5,035$3,065
17 years$9,367$7,840$6,527$5,409$4,465$2,617
18 years$8,755$7,244$5,959$4,875$3,970$2,239
19 years$8,207$6,714$5,455$4,405$3,538$1,919
20 years$7,715$6,239$5,006$3,989$3,160$1,648
21 years$7,270$5,811$4,605$3,621$2,828$1,416
22 years$6,867$5,425$4,244$3,292$2,535$1,219
23 years$6,499$5,074$3,919$2,998$2,276$1,050
24 years$6,162$4,754$3,624$2,734$2,045$905
25 years$5,852$4,461$3,357$2,497$1,841$781
26 years$5,567$4,193$3,113$2,283$1,658$674
27 years$5,304$3,946$2,891$2,090$1,495$582
28 years$5,059$3,718$2,687$1,915$1,349$503
29 years$4,832$3,508$2,501$1,756$1,218$435
30 years$4,621$3,313$2,329$1,612$1,100$376
31 years$4,423$3,131$2,172$1,480$995$325
32 years$4,238$2,963$2,026$1,360$900$281
33 years$4,065$2,806$1,892$1,251$814$244
34 years$3,903$2,659$1,768$1,151$737$211
35 years$3,750$2,522$1,653$1,059$668$182
36 years$3,605$2,394$1,546$976$605$158
37 years$3,469$2,274$1,447$899$548$137
38 years$3,341$2,161$1,355$829$497$118
39 years$3,219$2,055$1,270$764$451$103
40 years$3,103$1,955$1,190$705$409$89
41 years$2,994$1,861$1,116$650$371$77
42 years$2,890$1,772$1,047$600$337$67
43 years$2,791$1,689$982$554$306$58
44 years$2,697$1,610$922$511$277$50
45 years$2,607$1,535$866$472$252$43
46 years$2,522$1,464$813$436$229$38
47 years$2,440$1,397$764$403$208$33
48 years$2,362$1,334$718$372$189$28
49 years$2,288$1,274$675$344$171$24
50 years$2,216$1,217$634$318$156$21

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,270,000, adding $5,449 every year, while hoping to spend $40,920 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: 48/37/15 Blend
51$2,270,000$2,270,000$2,270,000$2,270,000
52$2,507,161$2,386,851$2,351,666$2,616,758
53$2,719,352$2,460,268$2,386,908$2,766,503
54$2,951,816$2,535,911$2,421,959$2,924,359
55$3,206,577$2,613,846$2,456,770$3,094,864
56$3,485,864$2,694,140$2,491,288$3,279,217
57$3,792,133$2,776,864$2,525,457$3,478,734
58$4,128,089$2,862,089$2,559,218$3,694,866
59$4,496,711$2,949,888$2,592,509$3,929,206
60$4,901,280$3,040,337$2,625,263$4,183,509
61$5,345,411$3,133,514$2,657,410$4,459,709
62$5,833,086$3,229,500$2,688,876$4,759,929
63$6,368,691$3,328,375$2,719,584$5,086,510
64$6,957,058$3,430,226$2,749,450$5,442,028
65$7,603,508$3,535,138$2,778,387$5,829,320
66$8,313,907$3,643,200$2,806,304$6,251,506
67$9,094,714$3,754,506$2,833,104$6,712,025
68$9,953,046$3,869,148$2,858,684$7,214,663
69$10,896,745$3,987,224$2,882,937$7,763,588
70$11,934,448$4,108,833$2,905,751$8,363,390
71$13,075,673$4,234,077$2,927,005$9,019,126
72$14,330,906$4,363,061$2,946,574$9,736,363
73$15,711,700$4,495,893$2,964,326$10,521,235
74$17,230,786$4,632,684$2,980,123$11,380,496
75$18,902,187$4,773,547$2,993,819$12,321,586
76$20,741,359$4,918,599$3,005,260$13,352,703
77$22,765,326$5,067,959$3,014,285$14,482,873
78$24,992,852$5,221,752$3,020,726$15,722,043
79$27,444,607$5,380,102$3,024,405$17,081,169
80$30,143,370$5,543,140$3,025,135$18,572,321
81$33,114,238$5,710,998$3,022,721$20,208,797
82$36,384,866$5,883,812$3,016,958$22,005,245
83$39,985,727$6,061,724$3,007,631$23,977,806
84$43,950,398$6,244,875$2,994,514$26,144,263
85$48,315,879$6,433,414$2,977,370$28,524,206
86$53,122,939$6,627,492$2,955,952$31,139,222
87$58,416,502$6,827,263$2,930,000$34,013,094
88$64,246,072$7,032,885$2,899,242$37,172,028
89$70,666,198$7,244,523$2,863,393$40,644,895
90$77,736,987$7,462,342$2,822,154$44,463,511
91$85,524,677$7,686,513$2,775,213$48,662,930
92$94,102,254$7,917,212$2,722,243$53,281,776
93$103,550,146$8,154,619$2,662,901$58,362,610
94$113,956,982$8,398,916$2,596,829$63,952,328
95$125,420,424$8,650,293$2,523,652$70,102,606
96$138,048,092$8,908,942$2,442,979$76,870,384
97$151,958,578$9,175,060$2,354,399$84,318,406
98$167,282,564$9,448,850$2,257,483$92,515,811
99$184,164,060$9,730,518$2,151,784$101,538,784
100$202,761,757$10,020,276$2,036,831$111,471,277