Can I retire at age 52 with 2,300,000?

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 $2,300,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.2%
1 years$189,932$188,240$186,589$184,978$183,405$177,321
2 years$94,026$92,275$90,577$88,932$87,336$81,266
3 years$62,061$60,302$58,610$56,980$55,409$49,543
4 years$46,082$44,329$42,653$41,051$39,518$33,901
5 years$36,497$34,754$33,100$31,531$30,041$24,688
6 years$30,109$28,379$26,750$25,215$23,771$18,686
7 years$25,548$23,833$22,229$20,731$19,332$14,515
8 years$22,129$20,429$18,852$17,391$16,038$11,484
9 years$19,471$17,787$16,237$14,813$13,506$9,211
10 years$17,346$15,679$14,156$12,769$11,508$7,465
11 years$15,608$13,958$12,463$11,113$9,897$6,098
12 years$14,161$12,528$11,060$9,747$8,577$5,013
13 years$12,938$11,321$9,882$8,606$7,479$4,142
14 years$11,890$10,291$8,879$7,639$6,556$3,437
15 years$10,983$9,401$8,016$6,813$5,772$2,861
16 years$10,190$8,625$7,268$6,100$5,102$2,388
17 years$9,491$7,943$6,614$5,481$4,524$1,997
18 years$8,870$7,340$6,037$4,939$4,022$1,674
19 years$8,316$6,803$5,527$4,463$3,585$1,405
20 years$7,817$6,321$5,072$4,042$3,202$1,181
21 years$7,366$5,888$4,666$3,669$2,866$993
22 years$6,957$5,496$4,300$3,336$2,569$836
23 years$6,585$5,141$3,970$3,038$2,306$705
24 years$6,243$4,816$3,672$2,771$2,072$594
25 years$5,930$4,520$3,401$2,530$1,865$501
26 years$5,641$4,248$3,154$2,314$1,680$423
27 years$5,374$3,998$2,929$2,118$1,514$357
28 years$5,126$3,767$2,723$1,940$1,367$302
29 years$4,896$3,554$2,534$1,779$1,234$255
30 years$4,682$3,356$2,360$1,633$1,115$215
31 years$4,482$3,173$2,200$1,500$1,008$182
32 years$4,294$3,002$2,053$1,378$912$154
33 years$4,119$2,843$1,917$1,267$825$130
34 years$3,954$2,695$1,791$1,166$747$110
35 years$3,799$2,556$1,674$1,073$677$93
36 years$3,653$2,426$1,566$989$613$79
37 years$3,515$2,304$1,466$911$556$67
38 years$3,385$2,190$1,373$840$504$56
39 years$3,261$2,082$1,286$774$457$48
40 years$3,144$1,981$1,206$714$414$40
41 years$3,034$1,886$1,131$659$376$34
42 years$2,928$1,796$1,060$608$341$29
43 years$2,828$1,711$995$561$310$24
44 years$2,733$1,631$934$518$281$21
45 years$2,642$1,555$877$479$255$17
46 years$2,555$1,484$824$442$232$15
47 years$2,473$1,416$774$408$210$12
48 years$2,393$1,352$727$377$191$11
49 years$2,318$1,291$684$349$173$9
50 years$2,246$1,233$643$322$158$8

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,300,000, adding $3,181 every year, while hoping to spend $23,326 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: 30/41/29 Blend
51$2,300,000$2,300,000$2,300,000$2,300,000
52$2,537,881$2,415,981$2,380,331$2,591,336
53$2,771,926$2,509,546$2,435,254$2,727,111
54$3,029,062$2,606,913$2,491,234$2,870,822
55$3,311,620$2,708,245$2,548,284$3,024,964
56$3,622,166$2,813,710$2,606,412$3,190,463
57$3,963,531$2,923,485$2,665,630$3,368,332
58$4,338,829$3,037,754$2,725,947$3,559,682
59$4,751,495$3,156,709$2,787,372$3,765,736
60$5,205,311$3,280,552$2,849,912$3,987,832
61$5,704,445$3,409,491$2,913,577$4,227,442
62$6,253,489$3,543,746$2,978,372$4,486,178
63$6,857,501$3,683,547$3,044,304$4,765,815
64$7,522,057$3,829,131$3,111,379$5,068,299
65$8,253,298$3,980,750$3,179,602$5,395,771
66$9,057,992$4,138,664$3,248,975$5,750,580
67$9,943,594$4,303,145$3,319,503$6,135,311
68$10,918,320$4,474,479$3,391,186$6,552,802
69$11,991,224$4,652,963$3,464,026$7,006,175
70$13,172,280$4,838,910$3,538,022$7,498,860
71$14,472,479$5,032,643$3,613,172$8,034,632
72$15,903,932$5,234,502$3,689,473$8,617,640
73$17,479,984$5,444,844$3,766,921$9,252,446
74$19,215,339$5,664,038$3,845,510$9,944,070
75$21,126,201$5,892,474$3,925,233$10,698,033
76$23,230,425$6,130,556$4,006,079$11,520,411
77$25,547,684$6,378,709$4,088,038$12,417,885
78$28,099,657$6,637,376$4,171,097$13,397,811
79$30,910,235$6,907,019$4,255,241$14,468,281
80$34,005,740$7,188,125$4,340,453$15,638,201
81$37,415,180$7,481,198$4,426,713$16,917,372
82$41,170,521$7,786,768$4,514,000$18,316,584
83$45,306,984$8,105,390$4,602,290$19,847,713
84$49,863,385$8,437,643$4,691,554$21,523,831
85$54,882,493$8,784,130$4,781,765$23,359,330
86$60,411,442$9,145,487$4,872,888$25,370,055
87$66,502,167$9,522,374$4,964,888$27,573,449
88$73,211,903$9,915,485$5,057,727$29,988,721
89$80,603,716$10,325,544$5,151,360$32,637,020
90$88,747,108$10,753,307$5,245,743$35,541,634
91$97,718,662$11,199,568$5,340,824$38,728,209
92$107,602,774$11,665,156$5,436,550$42,224,985
93$118,492,444$12,150,936$5,532,863$46,063,064
94$130,490,159$12,657,817$5,629,698$50,276,699
95$143,708,852$13,186,747$5,726,990$54,903,614
96$158,272,975$13,738,718$5,824,665$59,985,359
97$174,319,673$14,314,769$5,922,645$65,567,696
98$192,000,073$14,915,987$6,020,848$71,701,032
99$211,480,718$15,543,507$6,119,183$78,440,887
100$232,945,133$16,198,521$6,217,558$85,848,418