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%12.8%
1 years$194,887$193,151$191,457$189,804$188,190$185,992
2 years$96,479$94,682$92,940$91,252$89,614$87,402
3 years$63,680$61,876$60,139$58,466$56,855$54,697
4 years$47,284$45,485$43,765$42,121$40,549$38,463
5 years$37,449$35,661$33,964$32,353$30,825$28,815
6 years$30,895$29,120$27,448$25,873$24,391$22,461
7 years$26,215$24,455$22,809$21,272$19,836$17,986
8 years$22,706$20,962$19,344$17,844$16,456$14,686
9 years$19,979$18,251$16,661$15,199$13,858$12,168
10 years$17,798$16,088$14,525$13,102$11,808$10,196
11 years$16,015$14,322$12,788$11,403$10,155$8,620
12 years$14,531$12,855$11,349$10,002$8,800$7,340
13 years$13,275$11,617$10,140$8,830$7,674$6,287
14 years$12,200$10,559$9,110$7,838$6,727$5,412
15 years$11,269$9,646$8,226$6,990$5,923$4,677
16 years$10,456$8,850$7,458$6,259$5,235$4,056
17 years$9,738$8,151$6,786$5,624$4,642$3,527
18 years$9,102$7,532$6,195$5,068$4,127$3,075
19 years$8,532$6,980$5,671$4,580$3,679$2,687
20 years$8,021$6,486$5,205$4,148$3,286$2,352
21 years$7,559$6,042$4,787$3,764$2,940$2,062
22 years$7,139$5,640$4,412$3,423$2,636$1,810
23 years$6,756$5,275$4,074$3,117$2,366$1,591
24 years$6,406$4,942$3,768$2,843$2,127$1,400
25 years$6,084$4,638$3,490$2,596$1,914$1,233
26 years$5,788$4,359$3,236$2,374$1,724$1,087
27 years$5,514$4,102$3,005$2,173$1,554$958
28 years$5,260$3,866$2,794$1,991$1,402$846
29 years$5,024$3,647$2,600$1,826$1,266$747
30 years$4,804$3,444$2,422$1,675$1,144$660
31 years$4,599$3,256$2,258$1,539$1,034$583
32 years$4,407$3,080$2,106$1,414$936$515
33 years$4,226$2,917$1,967$1,300$847$456
34 years$4,057$2,765$1,838$1,197$767$403
35 years$3,898$2,622$1,718$1,101$694$357
36 years$3,748$2,489$1,607$1,014$629$316
37 years$3,607$2,364$1,504$935$570$279
38 years$3,473$2,247$1,409$862$517$247
39 years$3,346$2,136$1,320$794$469$219
40 years$3,226$2,033$1,237$733$425$194
41 years$3,113$1,935$1,160$676$386$172
42 years$3,005$1,843$1,088$624$350$152
43 years$2,902$1,756$1,021$576$318$135
44 years$2,804$1,674$958$532$288$119
45 years$2,711$1,596$900$491$262$106
46 years$2,622$1,522$845$454$238$94
47 years$2,537$1,453$794$419$216$83
48 years$2,456$1,387$746$387$196$74
49 years$2,378$1,324$701$358$178$65
50 years$2,304$1,265$659$331$162$58

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 $4,916 every year, while hoping to spend $25,733 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: 66/20/14 Blend
51$2,360,000$2,360,000$2,360,000$2,360,000
52$2,605,791$2,480,711$2,444,131$2,768,923
53$2,844,202$2,574,886$2,498,630$2,972,623
54$3,106,068$2,672,813$2,554,091$3,191,724
55$3,393,755$2,774,649$2,610,522$3,430,567
56$3,709,869$2,880,558$2,667,925$3,691,083
57$4,057,280$2,990,709$2,726,304$3,975,396
58$4,439,150$3,105,281$2,785,663$4,285,844
59$4,858,963$3,224,461$2,846,003$4,624,999
60$5,320,559$3,348,441$2,907,326$4,995,696
61$5,828,166$3,477,424$2,969,631$5,401,052
62$6,386,444$3,611,623$3,032,919$5,844,501
63$7,000,526$3,751,257$3,097,186$6,329,823
64$7,676,068$3,896,557$3,162,430$6,861,178
65$8,419,303$4,047,764$3,228,647$7,443,151
66$9,237,095$4,205,128$3,295,831$8,080,786
67$10,137,013$4,368,913$3,363,975$8,779,641
68$11,127,390$4,539,392$3,433,070$9,545,835
69$12,217,412$4,716,850$3,503,106$10,386,107
70$13,417,200$4,901,588$3,574,072$11,307,879
71$14,737,905$5,093,916$3,645,954$12,319,325
72$16,191,815$5,294,162$3,718,737$13,429,448
73$17,792,469$5,502,665$3,792,404$14,648,166
74$19,554,786$5,719,780$3,866,934$15,986,400
75$21,495,205$5,945,880$3,942,307$17,456,182
76$23,631,840$6,181,353$4,018,499$19,070,766
77$25,984,653$6,426,604$4,095,483$20,844,750
78$28,575,636$6,682,056$4,173,231$22,794,216
79$31,429,027$6,948,153$4,251,710$24,936,879
80$34,571,532$7,225,357$4,330,887$27,292,258
81$38,032,581$7,514,152$4,410,724$29,881,851
82$41,844,601$7,815,042$4,491,180$32,729,346
83$46,043,327$8,128,555$4,572,211$35,860,836
84$50,668,136$8,455,244$4,653,770$39,305,071
85$55,762,419$8,795,685$4,735,805$43,093,724
86$61,373,993$9,150,481$4,818,262$47,261,692
87$67,555,548$9,520,262$4,901,081$51,847,419
88$74,365,145$9,905,686$4,984,199$56,893,267
89$81,866,768$10,307,443$5,067,547$62,445,904
90$90,130,922$10,726,251$5,151,054$68,556,753
91$99,235,303$11,162,864$5,234,641$75,282,469
92$109,265,528$11,618,069$5,318,225$82,685,477
93$120,315,945$12,092,687$5,401,719$90,834,558
94$132,490,522$12,587,580$5,485,028$99,805,498
95$145,903,831$13,103,647$5,568,051$109,681,801
96$160,682,124$13,641,828$5,650,683$120,555,475
97$176,964,530$14,203,107$5,732,811$132,527,902
98$194,904,366$14,788,513$5,814,313$145,710,790
99$214,670,583$15,399,121$5,895,064$160,227,229
100$236,449,362$16,036,058$5,974,929$176,212,850