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%19.3%
1 years$190,758$189,058$187,401$185,783$184,203$177,315
2 years$94,434$92,676$90,971$89,319$87,716$80,855
3 years$62,331$60,565$58,864$57,227$55,650$49,033
4 years$46,282$44,521$42,838$41,229$39,690$33,366
5 years$36,656$34,905$33,244$31,668$30,172$24,158
6 years$30,240$28,503$26,866$25,325$23,874$18,174
7 years$25,659$23,937$22,326$20,821$19,416$14,029
8 years$22,225$20,518$18,934$17,466$16,107$11,028
9 years$19,556$17,865$16,308$14,877$13,565$8,786
10 years$17,421$15,747$14,218$12,824$11,558$7,071
11 years$15,676$14,019$12,517$11,161$9,940$5,735
12 years$14,223$12,582$11,109$9,790$8,614$4,680
13 years$12,994$11,371$9,925$8,643$7,512$3,838
14 years$11,942$10,336$8,917$7,672$6,585$3,160
15 years$11,031$9,442$8,051$6,842$5,798$2,610
16 years$10,234$8,663$7,300$6,127$5,124$2,161
17 years$9,532$7,978$6,642$5,505$4,543$1,793
18 years$8,909$7,372$6,064$4,961$4,040$1,490
19 years$8,352$6,832$5,551$4,482$3,601$1,241
20 years$7,851$6,349$5,094$4,060$3,216$1,034
21 years$7,398$5,914$4,686$3,684$2,878$862
22 years$6,988$5,520$4,319$3,350$2,580$720
23 years$6,613$5,163$3,988$3,051$2,316$601
24 years$6,270$4,837$3,688$2,783$2,081$503
25 years$5,956$4,540$3,416$2,541$1,873$420
26 years$5,665$4,267$3,168$2,324$1,687$352
27 years$5,397$4,015$2,942$2,127$1,521$294
28 years$5,148$3,784$2,735$1,949$1,372$246
29 years$4,917$3,569$2,545$1,787$1,239$206
30 years$4,702$3,371$2,370$1,640$1,120$173
31 years$4,501$3,187$2,210$1,506$1,012$145
32 years$4,313$3,015$2,062$1,384$916$121
33 years$4,137$2,855$1,925$1,273$829$101
34 years$3,971$2,706$1,799$1,171$750$85
35 years$3,816$2,567$1,682$1,078$680$71
36 years$3,669$2,436$1,573$993$616$60
37 years$3,530$2,314$1,472$915$558$50
38 years$3,399$2,199$1,379$843$506$42
39 years$3,276$2,091$1,292$778$459$35
40 years$3,158$1,990$1,211$717$416$29
41 years$3,047$1,894$1,135$662$378$25
42 years$2,941$1,804$1,065$611$343$21
43 years$2,840$1,719$999$564$311$17
44 years$2,745$1,638$938$520$282$15
45 years$2,653$1,562$881$481$256$12
46 years$2,566$1,490$827$444$233$10
47 years$2,483$1,422$777$410$211$9
48 years$2,404$1,358$730$379$192$7
49 years$2,328$1,296$687$350$174$6
50 years$2,255$1,238$645$324$158$5

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 $3,309 every year, while hoping to spend $22,844 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: 48/34/18 Blend
51$2,310,000$2,310,000$2,310,000$2,310,000
52$2,549,033$2,426,603$2,390,798$2,658,325
53$2,784,729$2,521,201$2,446,584$2,829,101
54$3,043,700$2,619,668$2,503,473$3,011,844
55$3,328,296$2,722,171$2,561,478$3,209,790
56$3,641,106$2,828,881$2,620,612$3,424,372
57$3,984,983$2,939,980$2,680,886$3,657,167
58$4,363,068$3,055,657$2,742,313$3,909,905
59$4,778,824$3,176,107$2,804,904$4,184,491
60$5,236,065$3,301,537$2,868,669$4,483,017
61$5,738,993$3,432,162$2,933,619$4,807,786
62$6,292,239$3,568,206$2,999,763$5,161,327
63$6,900,903$3,709,904$3,067,111$5,546,426
64$7,570,608$3,857,502$3,135,672$5,966,144
65$8,307,545$4,011,254$3,205,452$6,423,850
66$9,118,539$4,171,430$3,276,459$6,923,250
67$10,011,108$4,338,309$3,348,699$7,468,424
68$10,993,538$4,512,182$3,422,177$8,063,857
69$12,074,956$4,693,357$3,496,897$8,714,490
70$13,265,421$4,882,151$3,572,863$9,425,756
71$14,576,017$5,078,899$3,650,077$10,203,638
72$16,018,955$5,283,950$3,728,539$11,054,720
73$17,607,693$5,497,668$3,808,250$11,986,251
74$19,357,059$5,720,435$3,889,207$13,006,210
75$21,283,391$5,952,648$3,971,408$14,123,381
76$23,404,695$6,194,726$4,054,847$15,347,436
77$25,740,809$6,447,102$4,139,520$16,689,023
78$28,313,595$6,710,234$4,225,417$18,159,867
79$31,147,142$6,984,596$4,312,530$19,772,879
80$34,267,997$7,270,687$4,400,846$21,542,276
81$37,705,410$7,569,028$4,490,351$23,483,713
82$41,491,614$7,880,163$4,581,031$25,614,433
83$45,662,130$8,204,662$4,672,866$27,953,424
84$50,256,096$8,543,120$4,765,836$30,521,597
85$55,316,645$8,896,160$4,859,918$33,341,986
86$60,891,304$9,264,433$4,955,087$36,439,958
87$67,032,448$9,648,621$5,051,313$39,843,455
88$73,797,790$10,049,436$5,148,565$43,583,255
89$81,250,931$10,467,624$5,246,808$47,693,258
90$89,461,953$10,903,966$5,346,004$52,210,807
91$98,508,088$11,359,275$5,446,110$57,177,037
92$108,474,441$11,834,407$5,547,083$62,637,261
93$119,454,795$12,330,255$5,648,871$68,641,398
94$131,552,498$12,847,751$5,751,422$75,244,436
95$144,881,436$13,387,874$5,854,678$82,506,956
96$159,567,109$13,951,647$5,958,577$90,495,695
97$175,747,816$14,540,139$6,063,050$99,284,176
98$193,575,958$15,154,470$6,168,027$108,953,401
99$213,219,478$15,795,812$6,273,429$119,592,609
100$234,863,450$16,465,392$6,379,174$131,300,116