Can I retire at age 52 with 2,290,000?

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 $2,290,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.8%
1 years$189,106$187,422$185,778$184,174$182,608$181,229
2 years$93,617$91,873$90,184$88,545$86,956$85,566
3 years$61,791$60,040$58,355$56,732$55,169$53,810
4 years$45,882$44,136$42,467$40,872$39,347$38,031
5 years$36,338$34,603$32,956$31,394$29,911$28,641
6 years$29,978$28,256$26,634$25,106$23,667$22,445
7 years$25,437$23,729$22,133$20,641$19,248$18,074
8 years$22,033$20,340$18,770$17,315$15,968$14,842
9 years$19,386$17,710$16,167$14,749$13,447$12,370
10 years$17,270$15,611$14,095$12,713$11,458$10,428
11 years$15,540$13,897$12,409$11,065$9,854$8,870
12 years$14,100$12,473$11,012$9,705$8,539$7,601
13 years$12,882$11,272$9,839$8,568$7,446$6,553
14 years$11,838$10,246$8,840$7,606$6,528$5,678
15 years$10,935$9,360$7,982$6,783$5,747$4,940
16 years$10,146$8,588$7,236$6,073$5,080$4,314
17 years$9,450$7,909$6,585$5,457$4,504$3,778
18 years$8,832$7,308$6,011$4,918$4,005$3,317
19 years$8,279$6,773$5,503$4,444$3,569$2,919
20 years$7,783$6,294$5,050$4,025$3,188$2,574
21 years$7,334$5,863$4,645$3,653$2,853$2,274
22 years$6,927$5,472$4,281$3,321$2,557$2,011
23 years$6,556$5,118$3,953$3,025$2,296$1,781
24 years$6,216$4,796$3,656$2,759$2,063$1,579
25 years$5,904$4,500$3,386$2,519$1,857$1,402
26 years$5,616$4,230$3,140$2,303$1,673$1,245
27 years$5,350$3,981$2,916$2,108$1,508$1,107
28 years$5,104$3,751$2,711$1,932$1,361$985
29 years$4,875$3,539$2,523$1,771$1,229$876
30 years$4,661$3,342$2,350$1,626$1,110$781
31 years$4,462$3,159$2,191$1,493$1,004$696
32 years$4,276$2,989$2,044$1,372$908$620
33 years$4,101$2,831$1,908$1,262$822$553
34 years$3,937$2,683$1,783$1,161$744$493
35 years$3,783$2,545$1,667$1,069$674$440
36 years$3,637$2,415$1,560$984$610$393
37 years$3,500$2,294$1,460$907$553$351
38 years$3,370$2,180$1,367$836$502$313
39 years$3,247$2,073$1,281$771$455$280
40 years$3,131$1,972$1,200$711$413$250
41 years$3,020$1,877$1,126$656$374$223
42 years$2,916$1,788$1,056$605$340$199
43 years$2,816$1,704$991$559$308$178
44 years$2,721$1,624$930$516$280$159
45 years$2,630$1,549$873$477$254$142
46 years$2,544$1,477$820$440$231$127
47 years$2,462$1,410$771$407$209$114
48 years$2,383$1,346$724$376$190$102
49 years$2,308$1,285$681$347$173$91
50 years$2,236$1,228$640$321$157$81

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,290,000, adding $5,558 every year, while hoping to spend $36,464 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: 72/8/20 Blend
51$2,290,000$2,290,000$2,290,000$2,290,000
52$2,529,313$2,407,943$2,372,448$2,698,836
53$2,748,506$2,487,135$2,413,128$2,891,549
54$2,988,834$2,568,985$2,453,948$3,097,644
55$3,252,415$2,653,585$2,494,875$3,322,445
56$3,541,580$2,741,030$2,535,873$3,567,803
57$3,858,900$2,831,419$2,576,903$3,835,756
58$4,207,202$2,924,853$2,617,924$4,128,549
59$4,589,604$3,021,439$2,658,892$4,448,656
60$5,009,540$3,121,285$2,699,760$4,798,800
61$5,470,790$3,224,505$2,740,479$5,181,981
62$5,977,521$3,331,216$2,780,996$5,601,503
63$6,534,323$3,441,541$2,821,255$6,061,008
64$7,146,253$3,555,605$2,861,195$6,564,506
65$7,818,881$3,673,540$2,900,755$7,116,414
66$8,558,343$3,795,480$2,939,867$7,721,600
67$9,371,402$3,921,566$2,978,460$8,385,425
68$10,265,506$4,051,943$3,016,460$9,113,797
69$11,248,862$4,186,763$3,053,786$9,913,225
70$12,330,514$4,326,182$3,090,355$10,790,878
71$13,520,423$4,470,362$3,126,079$11,754,657
72$14,829,567$4,619,471$3,160,864$12,813,267
73$16,270,041$4,773,683$3,194,611$13,976,299
74$17,855,171$4,933,180$3,227,216$15,254,320
75$19,599,640$5,098,147$3,258,569$16,658,974
76$21,519,627$5,268,780$3,288,555$18,203,089
77$23,632,959$5,445,280$3,317,052$19,900,802
78$25,959,278$5,627,856$3,343,930$21,767,691
79$28,520,227$5,816,724$3,369,055$23,820,917
80$31,339,657$6,012,110$3,392,284$26,079,393
81$34,443,844$6,214,246$3,413,469$28,563,959
82$37,861,747$6,423,374$3,432,450$31,297,578
83$41,625,271$6,639,745$3,449,063$34,305,553
84$45,769,576$6,863,620$3,463,134$37,615,767
85$50,333,404$7,095,269$3,474,480$41,258,944
86$55,359,445$7,334,971$3,482,909$45,268,942
87$60,894,741$7,583,017$3,488,220$49,683,067
88$66,991,130$7,839,710$3,490,200$54,542,431
89$73,705,731$8,105,362$3,488,628$59,892,337
90$81,101,490$8,380,299$3,483,271$65,782,707
91$89,247,765$8,664,857$3,473,884$72,268,551
92$98,220,989$8,959,387$3,460,211$79,410,491
93$108,105,386$9,264,253$3,441,984$87,275,328
94$118,993,766$9,579,831$3,418,921$95,936,675
95$130,988,401$9,906,515$3,390,726$105,475,653
96$144,201,994$10,244,709$3,357,091$115,981,653
97$158,758,735$10,594,838$3,317,692$127,553,182
98$174,795,481$10,957,340$3,272,189$140,298,795
99$192,463,040$11,332,669$3,220,227$154,338,115
100$211,927,600$11,721,301$3,161,435$169,802,966