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%15.8%
1 years$192,409$190,695$189,023$187,391$185,797$181,380
2 years$95,252$93,478$91,759$90,092$88,475$84,050
3 years$62,871$61,089$59,374$57,723$56,132$51,838
4 years$46,683$44,907$43,209$41,586$40,034$35,904
5 years$36,973$35,208$33,532$31,942$30,433$26,479
6 years$30,502$28,750$27,099$25,544$24,081$20,306
7 years$25,881$24,144$22,519$21,001$19,584$15,990
8 years$22,418$20,696$19,098$17,618$16,247$12,831
9 years$19,725$18,019$16,449$15,006$13,682$10,443
10 years$17,572$15,883$14,341$12,936$11,658$8,591
11 years$15,812$14,140$12,625$11,258$10,026$7,127
12 years$14,346$12,691$11,205$9,875$8,689$5,953
13 years$13,107$11,469$10,011$8,718$7,577$4,999
14 years$12,045$10,425$8,995$7,739$6,642$4,216
15 years$11,126$9,524$8,121$6,902$5,848$3,569
16 years$10,323$8,738$7,363$6,180$5,168$3,031
17 years$9,615$8,047$6,700$5,552$4,583$2,580
18 years$8,986$7,436$6,116$5,004$4,075$2,201
19 years$8,424$6,891$5,599$4,521$3,632$1,881
20 years$7,919$6,404$5,139$4,095$3,244$1,610
21 years$7,463$5,965$4,726$3,716$2,903$1,380
22 years$7,048$5,568$4,356$3,379$2,602$1,184
23 years$6,670$5,208$4,022$3,077$2,336$1,016
24 years$6,325$4,879$3,720$2,807$2,099$874
25 years$6,007$4,579$3,445$2,563$1,889$751
26 years$5,714$4,303$3,195$2,344$1,702$646
27 years$5,444$4,050$2,967$2,145$1,534$557
28 years$5,193$3,816$2,758$1,966$1,384$479
29 years$4,960$3,600$2,567$1,802$1,250$413
30 years$4,743$3,400$2,391$1,654$1,130$356
31 years$4,540$3,214$2,229$1,519$1,021$307
32 years$4,350$3,041$2,080$1,396$924$265
33 years$4,173$2,880$1,942$1,284$836$228
34 years$4,006$2,730$1,814$1,181$757$197
35 years$3,849$2,589$1,696$1,087$686$170
36 years$3,701$2,457$1,587$1,002$621$147
37 years$3,561$2,334$1,485$923$563$126
38 years$3,429$2,218$1,391$851$510$109
39 years$3,304$2,109$1,303$784$463$94
40 years$3,185$2,007$1,221$723$420$81
41 years$3,073$1,910$1,145$667$381$70
42 years$2,966$1,819$1,074$616$346$61
43 years$2,865$1,733$1,008$569$314$52
44 years$2,768$1,652$946$525$285$45
45 years$2,676$1,576$889$485$258$39
46 years$2,589$1,503$835$448$235$34
47 years$2,505$1,434$784$414$213$29
48 years$2,425$1,369$737$382$194$25
49 years$2,348$1,308$692$353$176$22
50 years$2,275$1,249$651$327$160$19

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 $3,064 every year, while hoping to spend $50,965 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: 79/8/13 Blend
51$2,330,000$2,330,000$2,330,000$2,330,000
52$2,570,821$2,447,331$2,411,216$2,767,163
53$2,778,818$2,513,023$2,437,765$2,962,420
54$3,006,323$2,580,227$2,463,495$3,169,730
55$3,255,271$2,648,962$2,488,326$3,395,721
56$3,527,795$2,719,247$2,512,171$3,642,238
57$3,826,242$2,791,101$2,534,940$3,911,315
58$4,153,196$2,864,543$2,556,539$4,205,192
59$4,511,505$2,939,589$2,576,866$4,526,335
60$4,904,304$3,016,254$2,595,816$4,877,461
61$5,335,046$3,094,554$2,613,279$5,261,562
62$5,807,535$3,174,501$2,629,138$5,681,936
63$6,325,960$3,256,108$2,643,271$6,142,214
64$6,894,934$3,339,384$2,655,547$6,646,396
65$7,519,542$3,424,338$2,665,832$7,198,892
66$8,205,381$3,510,976$2,673,983$7,804,556
67$8,958,620$3,599,304$2,679,851$8,468,738
68$9,786,051$3,689,322$2,683,279$9,197,333
69$10,695,161$3,781,032$2,684,101$9,996,834
70$11,694,195$3,874,429$2,682,146$10,874,397
71$12,792,236$3,969,510$2,677,231$11,837,906
72$13,999,292$4,066,263$2,669,166$12,896,046
73$15,326,388$4,164,679$2,657,752$14,058,389
74$16,785,673$4,264,741$2,642,779$15,335,480
75$18,390,528$4,366,430$2,624,028$16,738,940
76$20,155,698$4,469,722$2,601,270$18,281,574
77$22,097,431$4,574,589$2,574,264$19,977,489
78$24,233,624$4,680,999$2,542,757$21,842,232
79$26,584,000$4,788,914$2,506,486$23,892,935
80$29,170,288$4,898,292$2,465,174$26,148,474
81$32,016,432$5,009,082$2,418,531$28,629,652
82$35,148,812$5,121,231$2,366,256$31,359,389
83$38,596,495$5,234,676$2,308,030$34,362,943
84$42,391,512$5,349,349$2,243,523$37,668,150
85$46,569,152$5,465,173$2,172,387$41,305,680
86$51,168,303$5,582,065$2,094,260$45,309,331
87$56,231,815$5,699,931$2,008,762$49,716,350
88$61,806,901$5,818,668$1,915,497$54,567,778
89$67,945,589$5,938,167$1,814,050$59,908,845
90$74,705,206$6,058,304$1,703,988$65,789,390
91$82,148,923$6,178,947$1,584,857$72,264,337
92$90,346,348$6,299,950$1,456,184$79,394,212
93$99,374,185$6,421,157$1,317,476$87,245,710
94$109,316,955$6,542,397$1,168,215$95,892,332
95$120,267,795$6,663,485$1,007,861$105,415,074
96$132,329,338$6,784,224$835,852$115,903,192
97$145,614,676$6,904,396$651,598$127,455,047
98$160,248,433$7,023,771$454,487$140,179,032
99$176,367,936$7,142,099$243,875$154,194,595
100$194,124,514$7,259,111$19,094$169,633,368