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

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 $2,280,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.6%
1 years$188,280$186,603$184,967$183,370$181,810$179,093
2 years$93,208$91,472$89,790$88,159$86,576$83,845
3 years$61,521$59,778$58,100$56,484$54,928$52,267
4 years$45,681$43,943$42,282$40,694$39,175$36,606
5 years$36,180$34,452$32,812$31,257$29,780$27,310
6 years$29,847$28,133$26,517$24,996$23,564$21,195
7 years$25,326$23,626$22,036$20,551$19,164$16,897
8 years$21,936$20,252$18,688$17,239$15,898$13,734
9 years$19,302$17,633$16,096$14,684$13,389$11,325
10 years$17,195$15,542$14,033$12,658$11,408$9,444
11 years$15,472$13,836$12,354$11,016$9,811$7,944
12 years$14,038$12,419$10,964$9,663$8,502$6,730
13 years$12,825$11,223$9,796$8,531$7,414$5,735
14 years$11,787$10,201$8,802$7,573$6,499$4,910
15 years$10,887$9,319$7,947$6,753$5,722$4,220
16 years$10,101$8,550$7,205$6,047$5,057$3,640
17 years$9,408$7,874$6,556$5,433$4,484$3,148
18 years$8,793$7,276$5,985$4,896$3,987$2,728
19 years$8,243$6,744$5,479$4,424$3,554$2,370
20 years$7,749$6,266$5,028$4,007$3,174$2,062
21 years$7,302$5,837$4,625$3,637$2,841$1,797
22 years$6,897$5,449$4,263$3,307$2,546$1,568
23 years$6,527$5,096$3,936$3,011$2,286$1,370
24 years$6,189$4,775$3,640$2,747$2,054$1,198
25 years$5,878$4,481$3,371$2,508$1,849$1,048
26 years$5,592$4,211$3,127$2,293$1,665$918
27 years$5,327$3,963$2,903$2,099$1,501$804
28 years$5,082$3,734$2,699$1,923$1,355$705
29 years$4,854$3,523$2,512$1,764$1,223$619
30 years$4,641$3,327$2,340$1,619$1,105$543
31 years$4,443$3,145$2,181$1,487$999$477
32 years$4,257$2,976$2,035$1,366$904$419
33 years$4,083$2,818$1,900$1,256$818$368
34 years$3,920$2,671$1,775$1,156$741$323
35 years$3,766$2,534$1,660$1,064$671$284
36 years$3,621$2,405$1,553$980$608$250
37 years$3,484$2,284$1,453$903$551$220
38 years$3,355$2,171$1,361$832$499$193
39 years$3,233$2,064$1,275$767$453$170
40 years$3,117$1,964$1,195$708$411$149
41 years$3,007$1,869$1,121$653$373$131
42 years$2,903$1,780$1,051$603$338$116
43 years$2,803$1,696$986$556$307$102
44 years$2,709$1,617$926$514$279$89
45 years$2,619$1,542$869$474$253$79
46 years$2,533$1,471$817$438$230$69
47 years$2,451$1,404$767$405$209$61
48 years$2,373$1,340$721$374$189$54
49 years$2,298$1,280$678$346$172$47
50 years$2,226$1,222$637$320$156$42

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 $6,318 every year, while hoping to spend $52,064 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: 66/7/27 Blend
51$2,280,000$2,280,000$2,280,000$2,280,000
52$2,519,077$2,398,237$2,362,897$2,667,112
53$2,720,627$2,460,355$2,386,658$2,829,836
54$2,940,990$2,523,772$2,409,471$3,001,272
55$3,182,031$2,588,496$2,431,247$3,187,559
56$3,445,801$2,654,535$2,451,897$3,390,163
57$3,734,560$2,721,895$2,471,323$3,610,704
58$4,050,798$2,790,580$2,489,425$3,850,962
59$4,397,254$2,860,593$2,506,095$4,112,901
60$4,776,946$2,931,935$2,521,222$4,398,687
61$5,193,199$3,004,604$2,534,688$4,710,703
62$5,649,674$3,078,598$2,546,368$5,051,577
63$6,150,402$3,153,911$2,556,133$5,424,206
64$6,699,825$3,230,535$2,563,845$5,831,781
65$7,302,835$3,308,458$2,569,362$6,277,819
66$7,964,820$3,387,669$2,572,531$6,766,197
67$8,691,716$3,468,149$2,573,195$7,301,186
68$9,490,062$3,549,879$2,571,188$7,887,495
69$10,367,060$3,632,835$2,566,335$8,530,313
70$11,330,646$3,716,990$2,558,453$9,235,357
71$12,389,562$3,802,312$2,547,351$10,008,930
72$13,553,437$3,888,765$2,532,827$10,857,979
73$14,832,882$3,976,309$2,514,671$11,790,158
74$16,239,586$4,064,898$2,492,663$12,813,905
75$17,786,427$4,154,481$2,466,570$13,938,517
76$19,487,593$4,245,001$2,436,150$15,174,243
77$21,358,717$4,336,396$2,401,151$16,532,378
78$23,417,022$4,428,596$2,361,306$18,025,369
79$25,681,486$4,521,524$2,316,337$19,666,936
80$28,173,017$4,615,098$2,265,953$21,472,200
81$30,914,652$4,709,225$2,209,850$23,457,825
82$33,931,776$4,803,807$2,147,710$25,642,176
83$37,252,357$4,898,733$2,079,198$28,045,496
84$40,907,212$4,993,886$2,003,966$30,690,093
85$44,930,300$5,089,138$1,921,651$33,600,553
86$49,359,034$5,184,350$1,831,870$36,803,975
87$54,234,644$5,279,371$1,734,226$40,330,221
88$59,602,556$5,374,040$1,628,301$44,212,204
89$65,512,830$5,468,180$1,513,662$48,486,200
90$72,020,621$5,561,604$1,389,853$53,192,184
91$79,186,710$5,654,108$1,256,399$58,374,215
92$87,078,070$5,745,475$1,112,803$64,080,851
93$95,768,500$5,835,469$958,548$70,365,605
94$105,339,320$5,923,840$793,093$77,287,455
95$115,880,140$6,010,318$615,871$84,911,398
96$127,489,704$6,094,614$426,293$93,309,068
97$140,276,823$6,176,418$223,742$102,559,409
98$154,361,397$6,255,401$7,576$112,749,426
99$169,875,552$6,331,209$0$123,975,004
100$186,964,885$6,403,464$0$136,406,090