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

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 $2,330,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.7%
1 years$192,409$190,695$189,023$187,391$185,797$182,945
2 years$95,252$93,478$91,759$90,092$88,475$85,609
3 years$62,871$61,089$59,374$57,723$56,132$53,340
4 years$46,683$44,907$43,209$41,586$40,034$37,338
5 years$36,973$35,208$33,532$31,942$30,433$27,842
6 years$30,502$28,750$27,099$25,544$24,081$21,596
7 years$25,881$24,144$22,519$21,001$19,584$17,208
8 years$22,418$20,696$19,098$17,618$16,247$13,978
9 years$19,725$18,019$16,449$15,006$13,682$11,520
10 years$17,572$15,883$14,341$12,936$11,658$9,600
11 years$15,812$14,140$12,625$11,258$10,026$8,071
12 years$14,346$12,691$11,205$9,875$8,689$6,833
13 years$13,107$11,469$10,011$8,718$7,577$5,819
14 years$12,045$10,425$8,995$7,739$6,642$4,978
15 years$11,126$9,524$8,121$6,902$5,848$4,276
16 years$10,323$8,738$7,363$6,180$5,168$3,685
17 years$9,615$8,047$6,700$5,552$4,583$3,185
18 years$8,986$7,436$6,116$5,004$4,075$2,759
19 years$8,424$6,891$5,599$4,521$3,632$2,395
20 years$7,919$6,404$5,139$4,095$3,244$2,082
21 years$7,463$5,965$4,726$3,716$2,903$1,813
22 years$7,048$5,568$4,356$3,379$2,602$1,581
23 years$6,670$5,208$4,022$3,077$2,336$1,380
24 years$6,325$4,879$3,720$2,807$2,099$1,206
25 years$6,007$4,579$3,445$2,563$1,889$1,054
26 years$5,714$4,303$3,195$2,344$1,702$923
27 years$5,444$4,050$2,967$2,145$1,534$808
28 years$5,193$3,816$2,758$1,966$1,384$708
29 years$4,960$3,600$2,567$1,802$1,250$620
30 years$4,743$3,400$2,391$1,654$1,130$544
31 years$4,540$3,214$2,229$1,519$1,021$477
32 years$4,350$3,041$2,080$1,396$924$419
33 years$4,173$2,880$1,942$1,284$836$368
34 years$4,006$2,730$1,814$1,181$757$323
35 years$3,849$2,589$1,696$1,087$686$283
36 years$3,701$2,457$1,587$1,002$621$249
37 years$3,561$2,334$1,485$923$563$219
38 years$3,429$2,218$1,391$851$510$192
39 years$3,304$2,109$1,303$784$463$169
40 years$3,185$2,007$1,221$723$420$148
41 years$3,073$1,910$1,145$667$381$130
42 years$2,966$1,819$1,074$616$346$115
43 years$2,865$1,733$1,008$569$314$101
44 years$2,768$1,652$946$525$285$89
45 years$2,676$1,576$889$485$258$78
46 years$2,589$1,503$835$448$235$68
47 years$2,505$1,434$784$414$213$60
48 years$2,425$1,369$737$382$194$53
49 years$2,348$1,308$692$353$176$47
50 years$2,275$1,249$651$327$160$41

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 $5,364 every year, while hoping to spend $56,581 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: 55/35/10 Blend
51$2,330,000$2,330,000$2,330,000$2,330,000
52$2,573,193$2,449,703$2,413,588$2,708,041
53$2,775,457$2,509,537$2,434,241$2,859,771
54$2,996,455$2,570,406$2,453,690$3,018,222
55$3,238,040$2,632,302$2,471,835$3,189,396
56$3,502,248$2,695,212$2,488,569$3,374,514
57$3,791,324$2,759,125$2,503,783$3,574,921
58$4,107,739$2,824,022$2,517,360$3,792,094
59$4,454,214$2,889,884$2,529,177$4,027,665
60$4,833,745$2,956,690$2,539,106$4,283,428
61$5,249,632$3,024,413$2,547,011$4,561,359
62$5,705,510$3,093,024$2,552,751$4,863,636
63$6,205,379$3,162,490$2,556,176$5,192,658
64$6,753,650$3,232,774$2,557,130$5,551,066
65$7,355,177$3,303,835$2,555,448$5,941,772
66$8,015,308$3,375,626$2,550,959$6,367,983
67$8,739,935$3,448,097$2,543,481$6,833,231
68$9,535,546$3,521,191$2,532,826$7,341,411
69$10,409,290$3,594,848$2,518,794$7,896,811
70$11,369,041$3,668,999$2,501,177$8,504,158
71$12,423,474$3,743,570$2,479,756$9,168,661
72$13,582,144$3,818,481$2,454,305$9,896,058
73$14,855,581$3,893,645$2,424,582$10,692,675
74$16,255,382$3,968,965$2,390,337$11,565,479
75$17,794,325$4,044,339$2,351,307$12,522,151
76$19,486,489$4,119,654$2,307,219$13,571,154
77$21,347,383$4,194,790$2,257,783$14,721,815
78$23,394,097$4,269,615$2,202,700$15,984,413
79$25,645,458$4,343,989$2,141,653$17,370,276
80$28,122,210$4,417,760$2,074,314$18,891,886
81$30,847,210$4,490,765$2,000,338$20,563,003
82$33,845,641$4,562,828$1,919,365$22,398,787
83$37,145,250$4,633,760$1,831,017$24,415,949
84$40,776,611$4,703,360$1,734,902$26,632,905
85$44,773,411$4,771,410$1,630,606$29,069,951
86$49,172,768$4,837,678$1,517,701$31,749,456
87$54,015,583$4,901,917$1,395,737$34,696,070
88$59,346,921$4,963,860$1,264,243$37,936,964
89$65,216,441$5,023,223$1,122,729$41,502,079
90$71,678,860$5,079,703$970,682$45,424,418
91$78,794,472$5,132,977$807,568$49,740,349
92$86,629,714$5,182,698$632,827$54,489,957
93$95,257,794$5,228,499$445,876$59,717,418
94$104,759,381$5,269,988$246,105$65,471,418
95$115,223,367$5,306,746$32,879$71,805,617
96$126,747,703$5,338,330$0$78,779,151
97$139,440,325$5,364,264$0$86,477,967
98$153,420,172$5,384,047$0$94,958,217
99$168,818,307$5,397,143$0$104,295,630
100$185,779,154$5,402,982$0$114,577,532