Can I retire at age 52 with 2,330,000?

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 $2,330,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.1%
1 years$192,409$190,695$189,023$187,391$185,797$183,400
2 years$95,252$93,478$91,759$90,092$88,475$86,063
3 years$62,871$61,089$59,374$57,723$56,132$53,780
4 years$46,683$44,907$43,209$41,586$40,034$37,761
5 years$36,973$35,208$33,532$31,942$30,433$28,245
6 years$30,502$28,750$27,099$25,544$24,081$21,981
7 years$25,881$24,144$22,519$21,001$19,584$17,572
8 years$22,418$20,696$19,098$17,618$16,247$14,324
9 years$19,725$18,019$16,449$15,006$13,682$11,847
10 years$17,572$15,883$14,341$12,936$11,658$9,908
11 years$15,812$14,140$12,625$11,258$10,026$8,361
12 years$14,346$12,691$11,205$9,875$8,689$7,106
13 years$13,107$11,469$10,011$8,718$7,577$6,075
14 years$12,045$10,425$8,995$7,739$6,642$5,219
15 years$11,126$9,524$8,121$6,902$5,848$4,501
16 years$10,323$8,738$7,363$6,180$5,168$3,895
17 years$9,615$8,047$6,700$5,552$4,583$3,380
18 years$8,986$7,436$6,116$5,004$4,075$2,941
19 years$8,424$6,891$5,599$4,521$3,632$2,564
20 years$7,919$6,404$5,139$4,095$3,244$2,239
21 years$7,463$5,965$4,726$3,716$2,903$1,959
22 years$7,048$5,568$4,356$3,379$2,602$1,716
23 years$6,670$5,208$4,022$3,077$2,336$1,505
24 years$6,325$4,879$3,720$2,807$2,099$1,321
25 years$6,007$4,579$3,445$2,563$1,889$1,160
26 years$5,714$4,303$3,195$2,344$1,702$1,020
27 years$5,444$4,050$2,967$2,145$1,534$898
28 years$5,193$3,816$2,758$1,966$1,384$790
29 years$4,960$3,600$2,567$1,802$1,250$696
30 years$4,743$3,400$2,391$1,654$1,130$613
31 years$4,540$3,214$2,229$1,519$1,021$541
32 years$4,350$3,041$2,080$1,396$924$477
33 years$4,173$2,880$1,942$1,284$836$421
34 years$4,006$2,730$1,814$1,181$757$371
35 years$3,849$2,589$1,696$1,087$686$328
36 years$3,701$2,457$1,587$1,002$621$289
37 years$3,561$2,334$1,485$923$563$255
38 years$3,429$2,218$1,391$851$510$226
39 years$3,304$2,109$1,303$784$463$199
40 years$3,185$2,007$1,221$723$420$176
41 years$3,073$1,910$1,145$667$381$155
42 years$2,966$1,819$1,074$616$346$137
43 years$2,865$1,733$1,008$569$314$121
44 years$2,768$1,652$946$525$285$107
45 years$2,676$1,576$889$485$258$95
46 years$2,589$1,503$835$448$235$84
47 years$2,505$1,434$784$414$213$74
48 years$2,425$1,369$737$382$194$65
49 years$2,348$1,308$692$353$176$58
50 years$2,275$1,249$651$327$160$51

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,330,000, adding $3,966 every year, while hoping to spend $51,580 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: 44/34/22 Blend
51$2,330,000$2,330,000$2,330,000$2,330,000
52$2,571,751$2,448,261$2,412,146$2,668,355
53$2,779,189$2,513,345$2,438,072$2,802,109
54$3,006,057$2,579,889$2,463,138$2,941,665
55$3,254,282$2,647,911$2,487,261$3,091,892
56$3,525,986$2,717,427$2,510,352$3,253,807
57$3,823,508$2,788,452$2,532,319$3,428,526
58$4,149,419$2,860,999$2,553,065$3,617,281
59$4,506,555$2,935,083$2,572,488$3,821,427
60$4,898,036$3,010,715$2,590,479$4,042,457
61$5,327,300$3,087,904$2,606,925$4,282,017
62$5,798,134$3,166,661$2,621,706$4,541,917
63$6,314,707$3,246,991$2,634,697$4,824,155
64$6,881,614$3,328,900$2,645,765$5,130,929
65$7,503,913$3,412,391$2,654,773$5,464,663
66$8,187,179$3,497,464$2,661,575$5,828,027
67$8,937,550$3,584,120$2,666,017$6,223,962
68$9,761,791$3,672,352$2,667,939$6,655,710
69$10,667,352$3,762,155$2,667,173$7,126,843
70$11,662,440$3,853,519$2,663,542$7,641,297
71$12,756,099$3,946,431$2,656,860$8,203,411
72$13,958,289$4,040,875$2,646,933$8,817,964
73$15,279,987$4,136,830$2,633,557$9,490,226
74$16,733,283$4,234,272$2,616,519$10,226,001
75$18,331,499$4,333,173$2,595,594$11,031,689
76$20,089,314$4,433,500$2,570,548$11,914,342
77$22,022,897$4,535,215$2,541,135$12,881,731
78$24,150,067$4,638,275$2,507,097$13,942,422
79$26,490,455$4,742,631$2,468,166$15,105,856
80$29,065,690$4,848,229$2,424,058$16,382,437
81$31,899,606$4,955,007$2,374,479$17,783,631
82$35,018,461$5,062,898$2,319,119$19,322,079
83$38,451,189$5,171,825$2,257,656$21,011,708
84$42,229,673$5,281,707$2,189,749$22,867,872
85$46,389,040$5,392,452$2,115,047$24,907,491
86$50,967,999$5,503,959$2,033,178$27,149,213
87$56,009,201$5,616,119$1,943,755$29,613,594
88$61,559,644$5,728,813$1,846,375$32,323,286
89$67,671,113$5,841,910$1,740,614$35,303,259
90$74,400,672$5,955,269$1,626,030$38,581,029
91$81,811,200$6,068,736$1,502,161$42,186,926
92$89,971,983$6,182,146$1,368,525$46,154,378
93$98,959,373$6,295,318$1,224,618$50,520,226
94$108,857,498$6,408,058$1,069,912$55,325,075
95$119,759,067$6,520,157$903,858$60,613,678
96$131,766,236$6,631,389$725,882$66,435,358
97$144,991,577$6,741,511$535,383$72,844,476
98$159,559,135$6,850,263$331,736$79,900,944
99$175,605,604$6,957,363$114,287$87,670,794
100$193,281,614$7,062,512$0$96,226,802