Can I retire at age 52 with 2,360,000?

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 $2,360,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.5%
1 years$194,887$193,151$191,457$189,804$188,190$186,224
2 years$96,479$94,682$92,940$91,252$89,614$87,635
3 years$63,680$61,876$60,139$58,466$56,855$54,923
4 years$47,284$45,485$43,765$42,121$40,549$38,680
5 years$37,449$35,661$33,964$32,353$30,825$29,024
6 years$30,895$29,120$27,448$25,873$24,391$22,660
7 years$26,215$24,455$22,809$21,272$19,836$18,176
8 years$22,706$20,962$19,344$17,844$16,456$14,867
9 years$19,979$18,251$16,661$15,199$13,858$12,339
10 years$17,798$16,088$14,525$13,102$11,808$10,358
11 years$16,015$14,322$12,788$11,403$10,155$8,773
12 years$14,531$12,855$11,349$10,002$8,800$7,485
13 years$13,275$11,617$10,140$8,830$7,674$6,424
14 years$12,200$10,559$9,110$7,838$6,727$5,540
15 years$11,269$9,646$8,226$6,990$5,923$4,798
16 years$10,456$8,850$7,458$6,259$5,235$4,169
17 years$9,738$8,151$6,786$5,624$4,642$3,634
18 years$9,102$7,532$6,195$5,068$4,127$3,175
19 years$8,532$6,980$5,671$4,580$3,679$2,780
20 years$8,021$6,486$5,205$4,148$3,286$2,439
21 years$7,559$6,042$4,787$3,764$2,940$2,143
22 years$7,139$5,640$4,412$3,423$2,636$1,885
23 years$6,756$5,275$4,074$3,117$2,366$1,661
24 years$6,406$4,942$3,768$2,843$2,127$1,465
25 years$6,084$4,638$3,490$2,596$1,914$1,293
26 years$5,788$4,359$3,236$2,374$1,724$1,142
27 years$5,514$4,102$3,005$2,173$1,554$1,010
28 years$5,260$3,866$2,794$1,991$1,402$893
29 years$5,024$3,647$2,600$1,826$1,266$791
30 years$4,804$3,444$2,422$1,675$1,144$700
31 years$4,599$3,256$2,258$1,539$1,034$620
32 years$4,407$3,080$2,106$1,414$936$550
33 years$4,226$2,917$1,967$1,300$847$487
34 years$4,057$2,765$1,838$1,197$767$432
35 years$3,898$2,622$1,718$1,101$694$383
36 years$3,748$2,489$1,607$1,014$629$340
37 years$3,607$2,364$1,504$935$570$302
38 years$3,473$2,247$1,409$862$517$268
39 years$3,346$2,136$1,320$794$469$238
40 years$3,226$2,033$1,237$733$425$211
41 years$3,113$1,935$1,160$676$386$188
42 years$3,005$1,843$1,088$624$350$167
43 years$2,902$1,756$1,021$576$318$148
44 years$2,804$1,674$958$532$288$131
45 years$2,711$1,596$900$491$262$117
46 years$2,622$1,522$845$454$238$104
47 years$2,537$1,453$794$419$216$92
48 years$2,456$1,387$746$387$196$82
49 years$2,378$1,324$701$358$178$73
50 years$2,304$1,265$659$331$162$65

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,360,000, adding $6,908 every year, while hoping to spend $31,222 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: 54/30/16 Blend
51$2,360,000$2,360,000$2,360,000$2,360,000
52$2,607,846$2,482,766$2,446,186$2,737,169
53$2,840,626$2,571,201$2,494,913$2,914,612
54$3,096,103$2,662,924$2,544,226$3,103,739
55$3,376,560$2,758,061$2,594,112$3,308,903
56$3,684,510$2,856,747$2,644,555$3,531,640
57$4,022,722$2,959,120$2,695,540$3,773,637
58$4,394,248$3,065,324$2,747,049$4,036,753
59$4,802,447$3,175,511$2,799,061$4,323,033
60$5,251,022$3,289,836$2,851,554$4,634,724
61$5,744,051$3,408,464$2,904,507$4,974,302
62$6,286,028$3,531,562$2,957,892$5,344,489
63$6,881,904$3,659,310$3,011,682$5,748,284
64$7,537,132$3,791,890$3,065,847$6,188,984
65$8,257,721$3,929,494$3,120,355$6,670,220
66$9,050,293$4,072,323$3,175,170$7,195,990
67$9,922,140$4,220,584$3,230,256$7,770,693
68$10,881,300$4,374,495$3,285,572$8,399,175
69$11,936,629$4,534,281$3,341,074$9,086,767
70$13,097,882$4,700,178$3,396,717$9,839,344
71$14,375,811$4,872,431$3,452,452$10,663,371
72$15,782,259$5,051,296$3,508,224$11,565,969
73$17,330,278$5,237,038$3,563,979$12,554,979
74$19,034,250$5,429,937$3,619,656$13,639,036
75$20,910,020$5,630,280$3,675,190$14,827,651
76$22,975,048$5,838,369$3,730,515$16,131,298
77$25,248,573$6,054,520$3,785,558$17,561,513
78$27,751,795$6,279,059$3,840,242$19,131,000
79$30,508,074$6,512,329$3,894,485$20,853,757
80$33,543,149$6,754,684$3,948,202$22,745,198
81$36,885,384$7,006,498$4,001,301$24,822,303
82$40,566,034$7,268,157$4,053,685$27,103,778
83$44,619,537$7,540,065$4,105,252$29,610,226
84$49,083,845$7,822,643$4,155,893$32,364,347
85$54,000,775$8,116,330$4,205,493$35,391,145
86$59,416,409$8,421,586$4,253,932$38,718,166
87$65,381,526$8,738,886$4,301,082$42,375,758
88$71,952,081$9,068,731$4,346,807$46,397,353
89$79,189,734$9,411,639$4,390,966$50,819,783
90$87,162,432$9,768,154$4,433,408$55,683,630
91$95,945,048$10,138,842$4,473,975$61,033,601
92$105,620,090$10,524,293$4,512,501$66,918,953
93$116,278,480$10,925,124$4,548,810$73,393,956
94$128,020,406$11,341,977$4,582,717$80,518,404
95$140,956,278$11,775,523$4,614,028$88,358,178
96$155,207,759$12,226,464$4,642,538$96,985,864
97$170,908,919$12,695,531$4,668,033$106,481,440
98$188,207,503$13,183,485$4,690,285$116,933,027
99$207,266,316$13,691,124$4,709,059$128,437,722
100$228,264,771$14,219,280$4,724,102$141,102,508