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

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 $2,290,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.9%
1 years$189,106$187,422$185,778$184,174$182,608$177,474
2 years$93,617$91,873$90,184$88,545$86,956$81,823
3 years$61,791$60,040$58,355$56,732$55,169$50,197
4 years$45,882$44,136$42,467$40,872$39,347$34,575
5 years$36,338$34,603$32,956$31,394$29,911$25,351
6 years$29,978$28,256$26,634$25,106$23,667$19,325
7 years$25,437$23,729$22,133$20,641$19,248$15,123
8 years$22,033$20,340$18,770$17,315$15,968$12,057
9 years$19,386$17,710$16,167$14,749$13,447$9,748
10 years$17,270$15,611$14,095$12,713$11,458$7,964
11 years$15,540$13,897$12,409$11,065$9,854$6,561
12 years$14,100$12,473$11,012$9,705$8,539$5,441
13 years$12,882$11,272$9,839$8,568$7,446$4,535
14 years$11,838$10,246$8,840$7,606$6,528$3,796
15 years$10,935$9,360$7,982$6,783$5,747$3,189
16 years$10,146$8,588$7,236$6,073$5,080$2,687
17 years$9,450$7,909$6,585$5,457$4,504$2,269
18 years$8,832$7,308$6,011$4,918$4,005$1,920
19 years$8,279$6,773$5,503$4,444$3,569$1,627
20 years$7,783$6,294$5,050$4,025$3,188$1,381
21 years$7,334$5,863$4,645$3,653$2,853$1,174
22 years$6,927$5,472$4,281$3,321$2,557$998
23 years$6,556$5,118$3,953$3,025$2,296$850
24 years$6,216$4,796$3,656$2,759$2,063$724
25 years$5,904$4,500$3,386$2,519$1,857$617
26 years$5,616$4,230$3,140$2,303$1,673$527
27 years$5,350$3,981$2,916$2,108$1,508$449
28 years$5,104$3,751$2,711$1,932$1,361$383
29 years$4,875$3,539$2,523$1,771$1,229$327
30 years$4,661$3,342$2,350$1,626$1,110$280
31 years$4,462$3,159$2,191$1,493$1,004$239
32 years$4,276$2,989$2,044$1,372$908$204
33 years$4,101$2,831$1,908$1,262$822$174
34 years$3,937$2,683$1,783$1,161$744$149
35 years$3,783$2,545$1,667$1,069$674$127
36 years$3,637$2,415$1,560$984$610$109
37 years$3,500$2,294$1,460$907$553$93
38 years$3,370$2,180$1,367$836$502$80
39 years$3,247$2,073$1,281$771$455$68
40 years$3,131$1,972$1,200$711$413$58
41 years$3,020$1,877$1,126$656$374$50
42 years$2,916$1,788$1,056$605$340$43
43 years$2,816$1,704$991$559$308$36
44 years$2,721$1,624$930$516$280$31
45 years$2,630$1,549$873$477$254$27
46 years$2,544$1,477$820$440$231$23
47 years$2,462$1,410$771$407$209$19
48 years$2,383$1,346$724$376$190$17
49 years$2,308$1,285$681$347$173$14
50 years$2,236$1,228$640$321$157$12

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 $6,364 every year, while hoping to spend $45,234 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: 63/21/16 Blend
51$2,290,000$2,290,000$2,290,000$2,290,000
52$2,530,144$2,408,774$2,373,279$2,679,128
53$2,740,091$2,478,676$2,404,656$2,849,843
54$2,969,935$2,550,486$2,435,567$3,030,466
55$3,221,660$2,624,252$2,465,950$3,226,628
56$3,497,448$2,700,018$2,495,738$3,439,841
57$3,799,702$2,777,834$2,524,860$3,671,775
58$4,131,070$2,857,746$2,553,241$3,924,264
59$4,494,467$2,939,803$2,580,802$4,199,332
60$4,893,104$3,024,056$2,607,461$4,499,204
61$5,330,519$3,110,552$2,633,129$4,826,333
62$5,810,607$3,199,345$2,657,714$5,183,420
63$6,337,660$3,290,484$2,681,118$5,573,439
64$6,916,405$3,384,021$2,703,239$5,999,667
65$7,552,050$3,480,009$2,723,969$6,465,713
66$8,250,331$3,578,501$2,743,194$6,975,553
67$9,017,567$3,679,551$2,760,794$7,533,566
68$9,860,721$3,783,211$2,776,643$8,144,578
69$10,787,463$3,889,537$2,790,608$8,813,902
70$11,806,243$3,998,582$2,802,552$9,547,396
71$12,926,369$4,110,402$2,812,327$10,351,509
72$14,158,099$4,225,052$2,819,780$11,233,350
73$15,512,732$4,342,587$2,824,750$12,200,750
74$17,002,719$4,463,062$2,827,067$13,262,336
75$18,641,777$4,586,532$2,826,554$14,427,615
76$20,445,019$4,713,053$2,823,025$15,707,062
77$22,429,098$4,842,680$2,816,283$17,112,216
78$24,612,362$4,975,467$2,806,124$18,655,796
79$27,015,026$5,111,469$2,792,333$20,351,812
80$29,659,367$5,250,739$2,774,685$22,215,705
81$32,569,928$5,393,331$2,752,942$24,264,487
82$35,773,754$5,539,297$2,726,859$26,516,905
83$39,300,643$5,688,688$2,696,175$28,993,617
84$43,183,431$5,841,556$2,660,619$31,717,384
85$47,458,297$5,997,949$2,619,906$34,713,289
86$52,165,111$6,157,916$2,573,740$38,008,973
87$57,347,800$6,321,501$2,521,808$41,634,893
88$63,054,772$6,488,751$2,463,785$45,624,612
89$69,339,365$6,659,707$2,399,329$50,015,114
90$76,260,358$6,834,410$2,328,083$54,847,156
91$83,882,515$7,012,897$2,249,675$60,165,650
92$92,277,206$7,195,203$2,163,714$66,020,088
93$101,523,074$7,381,361$2,069,790$72,465,007
94$111,706,778$7,571,398$1,967,479$79,560,510
95$122,923,813$7,765,340$1,856,333$87,372,825
96$135,279,408$7,963,208$1,735,887$95,974,938
97$148,889,522$8,165,019$1,605,653$105,447,276
98$163,881,932$8,370,784$1,465,122$115,878,471
99$180,397,447$8,580,511$1,313,762$127,366,194
100$198,591,231$8,794,201$1,151,017$140,018,077