Can I retire at age 52 with 2,350,000?

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 $2,350,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.6%
1 years$194,061$192,332$190,646$189,000$187,392$182,345
2 years$96,070$94,280$92,546$90,865$89,234$84,185
3 years$63,410$61,613$59,884$58,218$56,614$51,721
4 years$47,084$45,292$43,580$41,943$40,378$35,678
5 years$37,290$35,510$33,820$32,216$30,694$26,202
6 years$30,764$28,996$27,331$25,764$24,287$20,006
7 years$26,103$24,351$22,713$21,182$19,752$15,682
8 years$22,610$20,873$19,262$17,769$16,386$12,526
9 years$19,894$18,174$16,590$15,135$13,800$10,145
10 years$17,723$16,020$14,464$13,047$11,758$8,304
11 years$15,948$14,261$12,734$11,354$10,112$6,854
12 years$14,469$12,800$11,301$9,959$8,763$5,695
13 years$13,219$11,568$10,097$8,793$7,642$4,757
14 years$12,149$10,515$9,072$7,805$6,699$3,990
15 years$11,222$9,605$8,191$6,961$5,898$3,359
16 years$10,411$8,813$7,426$6,233$5,213$2,836
17 years$9,697$8,116$6,757$5,600$4,622$2,400
18 years$9,063$7,500$6,169$5,047$4,110$2,036
19 years$8,496$6,951$5,647$4,560$3,663$1,729
20 years$7,987$6,459$5,183$4,130$3,272$1,471
21 years$7,527$6,016$4,767$3,748$2,928$1,253
22 years$7,109$5,616$4,394$3,408$2,624$1,068
23 years$6,728$5,252$4,057$3,104$2,356$912
24 years$6,379$4,921$3,752$2,831$2,117$779
25 years$6,059$4,618$3,475$2,585$1,905$665
26 years$5,763$4,340$3,223$2,364$1,716$569
27 years$5,491$4,085$2,993$2,164$1,547$486
28 years$5,238$3,849$2,782$1,982$1,396$416
29 years$5,003$3,631$2,589$1,818$1,261$356
30 years$4,784$3,429$2,411$1,668$1,139$305
31 years$4,579$3,242$2,248$1,532$1,030$261
32 years$4,388$3,067$2,098$1,408$932$224
33 years$4,209$2,905$1,958$1,295$843$192
34 years$4,040$2,753$1,830$1,191$763$164
35 years$3,882$2,611$1,711$1,097$691$141
36 years$3,732$2,479$1,600$1,010$626$121
37 years$3,591$2,354$1,498$931$568$103
38 years$3,458$2,237$1,403$858$515$89
39 years$3,332$2,127$1,314$791$467$76
40 years$3,213$2,024$1,232$730$423$65
41 years$3,100$1,927$1,155$673$384$56
42 years$2,992$1,835$1,084$621$349$48
43 years$2,890$1,748$1,017$573$316$41
44 years$2,792$1,666$954$529$287$35
45 years$2,699$1,589$896$489$261$30
46 years$2,611$1,516$842$452$237$26
47 years$2,526$1,447$791$417$215$22
48 years$2,446$1,381$743$386$195$19
49 years$2,368$1,319$698$356$177$16
50 years$2,294$1,260$657$329$161$14

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,350,000, adding $4,780 every year, while hoping to spend $50,081 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: 64/23/13 Blend
51$2,350,000$2,350,000$2,350,000$2,350,000
52$2,594,631$2,470,081$2,433,656$2,752,472
53$2,805,997$2,537,829$2,461,897$2,926,395
54$3,037,244$2,607,218$2,489,406$3,110,062
55$3,290,348$2,678,276$2,516,106$3,309,443
56$3,567,482$2,751,030$2,541,914$3,526,065
57$3,871,041$2,825,507$2,566,744$3,761,613
58$4,203,663$2,901,733$2,590,506$4,017,942
59$4,568,253$2,979,733$2,613,104$4,297,094
60$4,968,009$3,059,535$2,634,437$4,601,317
61$5,406,454$3,141,160$2,654,400$4,933,089
62$5,887,470$3,224,635$2,672,880$5,295,137
63$6,415,331$3,309,981$2,689,760$5,690,465
64$6,994,744$3,397,219$2,704,916$6,122,383
65$7,630,897$3,486,372$2,718,220$6,594,537
66$8,329,502$3,577,458$2,729,534$7,110,943
67$9,096,853$3,670,495$2,738,715$7,676,024
68$9,939,882$3,765,499$2,745,612$8,294,654
69$10,866,228$3,862,486$2,750,068$8,972,202
70$11,884,304$3,961,469$2,751,916$9,714,583
71$13,003,380$4,062,458$2,750,982$10,528,315
72$14,233,668$4,165,462$2,747,083$11,420,578
73$15,586,420$4,270,487$2,740,028$12,399,283
74$17,074,031$4,377,537$2,729,616$13,473,147
75$18,710,160$4,486,614$2,715,635$14,651,775
76$20,509,852$4,597,714$2,697,865$15,945,749
77$22,489,688$4,710,833$2,676,074$17,366,729
78$24,667,934$4,825,962$2,650,021$18,927,565
79$27,064,716$4,943,087$2,619,449$20,642,414
80$29,702,211$5,062,192$2,584,094$22,526,876
81$32,604,852$5,183,255$2,543,677$24,598,143
82$35,799,563$5,306,250$2,497,906$26,875,158
83$39,316,008$5,431,146$2,446,476$29,378,794
84$43,186,874$5,557,906$2,389,066$32,132,053
85$47,448,179$5,686,487$2,325,344$35,160,283
86$52,139,609$5,816,840$2,254,958$38,491,414
87$57,304,894$5,948,910$2,177,544$42,156,228
88$62,992,219$6,082,633$2,092,718$46,188,641
89$69,254,682$6,217,938$2,000,080$50,626,031
90$76,150,789$6,354,747$1,899,213$55,509,589
91$83,745,012$6,492,972$1,789,679$60,884,703
92$92,108,391$6,632,515$1,671,020$66,801,393
93$101,319,208$6,773,270$1,542,761$73,314,781
94$111,463,725$6,915,118$1,404,401$80,485,610
95$122,636,997$7,057,930$1,255,420$88,380,819
96$134,943,767$7,201,565$1,095,273$97,074,176
97$148,499,458$7,345,869$923,392$106,646,973
98$163,431,260$7,490,674$739,183$117,188,793
99$179,879,329$7,635,797$542,026$128,798,360
100$197,998,110$7,781,041$331,273$141,584,467