Can I retire at age 52 with 2,310,000?

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 $2,310,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12%
1 years$190,758$189,058$187,401$185,783$184,203$182,659
2 years$94,434$92,676$90,971$89,319$87,716$86,160
3 years$62,331$60,565$58,864$57,227$55,650$54,131
4 years$46,282$44,521$42,838$41,229$39,690$38,219
5 years$36,656$34,905$33,244$31,668$30,172$28,752
6 years$30,240$28,503$26,866$25,325$23,874$22,508
7 years$25,659$23,937$22,326$20,821$19,416$18,105
8 years$22,225$20,518$18,934$17,466$16,107$14,851
9 years$19,556$17,865$16,308$14,877$13,565$12,362
10 years$17,421$15,747$14,218$12,824$11,558$10,409
11 years$15,676$14,019$12,517$11,161$9,940$8,844
12 years$14,223$12,582$11,109$9,790$8,614$7,569
13 years$12,994$11,371$9,925$8,643$7,512$6,517
14 years$11,942$10,336$8,917$7,672$6,585$5,639
15 years$11,031$9,442$8,051$6,842$5,798$4,900
16 years$10,234$8,663$7,300$6,127$5,124$4,272
17 years$9,532$7,978$6,642$5,505$4,543$3,737
18 years$8,909$7,372$6,064$4,961$4,040$3,276
19 years$8,352$6,832$5,551$4,482$3,601$2,879
20 years$7,851$6,349$5,094$4,060$3,216$2,535
21 years$7,398$5,914$4,686$3,684$2,878$2,236
22 years$6,988$5,520$4,319$3,350$2,580$1,975
23 years$6,613$5,163$3,988$3,051$2,316$1,746
24 years$6,270$4,837$3,688$2,783$2,081$1,546
25 years$5,956$4,540$3,416$2,541$1,873$1,370
26 years$5,665$4,267$3,168$2,324$1,687$1,215
27 years$5,397$4,015$2,942$2,127$1,521$1,078
28 years$5,148$3,784$2,735$1,949$1,372$958
29 years$4,917$3,569$2,545$1,787$1,239$851
30 years$4,702$3,371$2,370$1,640$1,120$757
31 years$4,501$3,187$2,210$1,506$1,012$673
32 years$4,313$3,015$2,062$1,384$916$599
33 years$4,137$2,855$1,925$1,273$829$533
34 years$3,971$2,706$1,799$1,171$750$475
35 years$3,816$2,567$1,682$1,078$680$423
36 years$3,669$2,436$1,573$993$616$377
37 years$3,530$2,314$1,472$915$558$336
38 years$3,399$2,199$1,379$843$506$300
39 years$3,276$2,091$1,292$778$459$267
40 years$3,158$1,990$1,211$717$416$238
41 years$3,047$1,894$1,135$662$378$212
42 years$2,941$1,804$1,065$611$343$189
43 years$2,840$1,719$999$564$311$169
44 years$2,745$1,638$938$520$282$151
45 years$2,653$1,562$881$481$256$134
46 years$2,566$1,490$827$444$233$120
47 years$2,483$1,422$777$410$211$107
48 years$2,404$1,358$730$379$192$96
49 years$2,328$1,296$687$350$174$85
50 years$2,255$1,238$645$324$158$76

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,310,000, adding $2,755 every year, while hoping to spend $47,891 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: 68/20/12 Blend
51$2,310,000$2,310,000$2,310,000$2,310,000
52$2,548,462$2,426,032$2,390,227$2,714,896
53$2,757,449$2,493,952$2,419,344$2,893,839
54$2,986,148$2,563,595$2,447,831$3,083,494
55$3,236,519$2,634,994$2,475,617$3,289,675
56$3,510,720$2,708,185$2,502,626$3,513,998
57$3,811,127$2,783,200$2,528,778$3,758,239
58$4,140,359$2,860,074$2,553,989$4,024,358
59$4,501,299$2,938,840$2,578,170$4,314,512
60$4,897,120$3,019,533$2,601,228$4,631,075
61$5,331,322$3,102,185$2,623,065$4,976,662
62$5,807,754$3,186,830$2,643,575$5,354,155
63$6,330,661$3,273,500$2,662,651$5,766,726
64$6,904,716$3,362,229$2,680,177$6,217,871
65$7,535,067$3,453,048$2,696,033$6,711,439
66$8,227,384$3,545,988$2,710,090$7,251,670
67$8,987,916$3,641,080$2,722,217$7,843,236
68$9,823,544$3,738,354$2,732,272$8,491,283
69$10,741,851$3,837,838$2,740,108$9,201,482
70$11,751,188$3,939,561$2,745,570$9,980,077
71$12,860,758$4,043,548$2,748,496$10,833,950
72$14,080,700$4,149,826$2,748,714$11,770,683
73$15,422,182$4,258,418$2,746,047$12,798,628
74$16,897,510$4,369,346$2,740,305$13,926,989
75$18,520,243$4,482,631$2,731,293$15,165,906
76$20,305,320$4,598,292$2,718,803$16,526,552
77$22,269,198$4,716,344$2,702,619$18,021,236
78$24,430,014$4,836,802$2,682,514$19,663,525
79$26,807,747$4,959,678$2,658,250$21,468,363
80$29,424,414$5,084,979$2,629,578$23,452,220
81$32,304,273$5,212,711$2,596,237$25,633,243
82$35,474,052$5,342,878$2,557,955$28,031,428
83$38,963,204$5,475,477$2,514,444$30,668,810
84$42,804,179$5,610,503$2,465,406$33,569,668
85$47,032,735$5,747,948$2,410,528$36,760,758
86$51,688,274$5,887,797$2,349,480$40,271,562
87$56,814,211$6,030,032$2,281,921$44,134,568
88$62,458,386$6,174,629$2,207,491$48,385,576
89$68,673,514$6,321,559$2,125,815$53,064,036
90$75,517,683$6,470,787$2,036,500$58,213,422
91$83,054,901$6,622,269$1,939,137$63,881,638
92$91,355,699$6,775,959$1,833,296$70,121,476
93$100,497,799$6,931,799$1,718,530$76,991,109
94$110,566,842$7,089,725$1,594,369$84,554,643
95$121,657,204$7,249,665$1,460,324$92,882,724
96$133,872,878$7,411,538$1,315,883$102,053,200
97$147,328,459$7,575,251$1,160,513$112,151,859
98$162,150,227$7,740,703$993,656$123,273,240
99$178,477,335$7,907,782$814,728$135,521,523
100$196,463,122$8,076,363$623,121$149,011,514