Can I retire at age 52 with 2,280,000?

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 $2,280,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.4%
1 years$188,280$186,603$184,967$183,370$181,810$177,056
2 years$93,208$91,472$89,790$88,159$86,576$81,819
3 years$61,521$59,778$58,100$56,484$54,928$50,316
4 years$45,681$43,943$42,282$40,694$39,175$34,744
5 years$36,180$34,452$32,812$31,257$29,780$25,543
6 years$29,847$28,133$26,517$24,996$23,564$19,524
7 years$25,326$23,626$22,036$20,551$19,164$15,322
8 years$21,936$20,252$18,688$17,239$15,898$12,252
9 years$19,302$17,633$16,096$14,684$13,389$9,935
10 years$17,195$15,542$14,033$12,658$11,408$8,143
11 years$15,472$13,836$12,354$11,016$9,811$6,730
12 years$14,038$12,419$10,964$9,663$8,502$5,599
13 years$12,825$11,223$9,796$8,531$7,414$4,683
14 years$11,787$10,201$8,802$7,573$6,499$3,934
15 years$10,887$9,319$7,947$6,753$5,722$3,316
16 years$10,101$8,550$7,205$6,047$5,057$2,804
17 years$9,408$7,874$6,556$5,433$4,484$2,376
18 years$8,793$7,276$5,985$4,896$3,987$2,018
19 years$8,243$6,744$5,479$4,424$3,554$1,717
20 years$7,749$6,266$5,028$4,007$3,174$1,463
21 years$7,302$5,837$4,625$3,637$2,841$1,248
22 years$6,897$5,449$4,263$3,307$2,546$1,066
23 years$6,527$5,096$3,936$3,011$2,286$911
24 years$6,189$4,775$3,640$2,747$2,054$779
25 years$5,878$4,481$3,371$2,508$1,849$667
26 years$5,592$4,211$3,127$2,293$1,665$571
27 years$5,327$3,963$2,903$2,099$1,501$489
28 years$5,082$3,734$2,699$1,923$1,355$419
29 years$4,854$3,523$2,512$1,764$1,223$359
30 years$4,641$3,327$2,340$1,619$1,105$308
31 years$4,443$3,145$2,181$1,487$999$264
32 years$4,257$2,976$2,035$1,366$904$227
33 years$4,083$2,818$1,900$1,256$818$195
34 years$3,920$2,671$1,775$1,156$741$167
35 years$3,766$2,534$1,660$1,064$671$143
36 years$3,621$2,405$1,553$980$608$123
37 years$3,484$2,284$1,453$903$551$106
38 years$3,355$2,171$1,361$832$499$91
39 years$3,233$2,064$1,275$767$453$78
40 years$3,117$1,964$1,195$708$411$67
41 years$3,007$1,869$1,121$653$373$58
42 years$2,903$1,780$1,051$603$338$49
43 years$2,803$1,696$986$556$307$42
44 years$2,709$1,617$926$514$279$36
45 years$2,619$1,542$869$474$253$31
46 years$2,533$1,471$817$438$230$27
47 years$2,451$1,404$767$405$209$23
48 years$2,373$1,340$721$374$189$20
49 years$2,298$1,280$678$346$172$17
50 years$2,226$1,222$637$320$156$15

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,280,000, adding $2,103 every year, while hoping to spend $32,809 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: 45/46/9 Blend
51$2,280,000$2,280,000$2,280,000$2,280,000
52$2,514,729$2,393,889$2,358,549$2,621,427
53$2,736,323$2,476,281$2,402,652$2,777,824
54$2,979,420$2,561,611$2,447,133$2,943,767
55$3,246,178$2,649,987$2,491,969$3,122,949
56$3,538,976$2,741,524$2,537,138$3,316,603
57$3,860,433$2,836,340$2,582,613$3,526,082
58$4,213,433$2,934,557$2,628,366$3,752,872
59$4,601,155$3,036,302$2,674,368$3,998,610
60$5,027,100$3,141,708$2,720,587$4,265,093
61$5,495,125$3,250,913$2,766,988$4,554,296
62$6,009,479$3,364,059$2,813,534$4,868,392
63$6,574,845$3,481,296$2,860,185$5,209,772
64$7,196,377$3,602,778$2,906,900$5,581,062
65$7,879,760$3,728,667$2,953,633$5,985,155
66$8,631,252$3,859,128$3,000,337$6,425,231
67$9,457,751$3,994,336$3,046,959$6,904,789
68$10,366,855$4,134,472$3,093,445$7,427,680
69$11,366,936$4,279,723$3,139,738$7,998,141
70$12,467,220$4,430,286$3,185,776$8,620,836
71$13,677,870$4,586,363$3,231,493$9,300,896
72$15,010,084$4,748,167$3,276,819$10,043,971
73$16,476,202$4,915,916$3,321,682$10,856,279
74$18,089,819$5,089,841$3,366,003$11,744,666
75$19,865,916$5,270,179$3,409,700$12,716,668
76$21,821,000$5,457,177$3,452,685$13,780,582
77$23,973,258$5,651,095$3,494,866$14,945,544
78$26,342,731$5,852,200$3,536,145$16,221,612
79$28,951,503$6,060,771$3,576,419$17,619,862
80$31,823,907$6,277,100$3,615,580$19,152,493
81$34,986,756$6,501,488$3,653,512$20,832,936
82$38,469,595$6,734,251$3,690,094$22,675,983
83$42,304,980$6,975,716$3,725,199$24,697,926
84$46,528,787$7,226,224$3,758,692$26,916,706
85$51,180,545$7,486,132$3,790,431$29,352,087
86$56,303,817$7,755,808$3,820,266$32,025,834
87$61,946,602$8,035,639$3,848,041$34,961,923
88$68,161,795$8,326,024$3,873,590$38,186,762
89$75,007,682$8,627,383$3,896,739$41,729,440
90$82,548,491$8,940,150$3,917,305$45,622,003
91$90,854,998$9,264,779$3,935,096$49,899,748
92$100,005,195$9,601,741$3,949,909$54,601,562
93$110,085,027$9,951,528$3,961,533$59,770,282
94$121,189,200$10,314,652$3,969,744$65,453,098
95$133,422,076$10,691,648$3,974,308$71,702,002
96$146,898,661$11,083,072$3,974,980$78,574,270
97$161,745,684$11,489,502$3,971,502$86,133,002
98$178,102,800$11,911,544$3,963,604$94,447,721
99$196,123,902$12,349,826$3,951,000$103,595,018
100$215,978,576$12,805,004$3,933,395$113,659,283