Can I retire at age 52 with 2,380,000?

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 $2,380,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.8%
1 years$196,538$194,788$193,080$191,412$189,785$183,051
2 years$97,296$95,484$93,728$92,025$90,374$83,661
3 years$64,220$62,400$60,648$58,961$57,337$50,857
4 years$47,685$45,871$44,136$42,478$40,893$34,695
5 years$37,766$35,963$34,252$32,627$31,086$25,186
6 years$31,156$29,367$27,680$26,092$24,597$19,000
7 years$26,437$24,662$23,003$21,452$20,004$14,708
8 years$22,899$21,140$19,508$17,996$16,596$11,596
9 years$20,148$18,406$16,802$15,328$13,976$9,267
10 years$17,949$16,224$14,649$13,213$11,908$7,482
11 years$16,151$14,443$12,896$11,499$10,241$6,088
12 years$14,654$12,964$11,445$10,086$8,875$4,985
13 years$13,388$11,715$10,226$8,905$7,739$4,102
14 years$12,304$10,649$9,188$7,905$6,784$3,389
15 years$11,365$9,728$8,295$7,050$5,973$2,809
16 years$10,544$8,925$7,521$6,312$5,279$2,334
17 years$9,821$8,220$6,844$5,671$4,681$1,944
18 years$9,179$7,595$6,247$5,111$4,162$1,622
19 years$8,605$7,039$5,719$4,618$3,710$1,355
20 years$8,089$6,541$5,249$4,183$3,314$1,134
21 years$7,623$6,093$4,828$3,796$2,965$949
22 years$7,199$5,688$4,450$3,452$2,658$796
23 years$6,814$5,319$4,108$3,143$2,386$667
24 years$6,460$4,984$3,800$2,867$2,145$560
25 years$6,136$4,677$3,519$2,618$1,930$470
26 years$5,837$4,396$3,264$2,394$1,738$395
27 years$5,561$4,137$3,031$2,191$1,567$332
28 years$5,305$3,898$2,818$2,008$1,414$279
29 years$5,066$3,678$2,622$1,841$1,277$234
30 years$4,845$3,473$2,442$1,690$1,154$197
31 years$4,638$3,283$2,277$1,552$1,043$166
32 years$4,444$3,107$2,124$1,426$944$139
33 years$4,262$2,942$1,983$1,311$854$117
34 years$4,092$2,788$1,853$1,207$773$99
35 years$3,931$2,645$1,733$1,111$700$83
36 years$3,780$2,510$1,621$1,023$634$70
37 years$3,637$2,384$1,517$943$575$59
38 years$3,502$2,266$1,421$869$521$49
39 years$3,375$2,155$1,331$801$473$42
40 years$3,254$2,050$1,248$739$429$35
41 years$3,139$1,951$1,170$682$389$29
42 years$3,030$1,858$1,097$629$353$25
43 years$2,926$1,771$1,030$581$320$21
44 years$2,828$1,688$967$536$291$18
45 years$2,734$1,609$908$495$264$15
46 years$2,644$1,535$852$457$240$12
47 years$2,559$1,465$801$423$218$10
48 years$2,477$1,399$753$391$198$9
49 years$2,399$1,336$707$361$180$7
50 years$2,324$1,276$665$334$163$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,380,000, adding $3,331 every year, while hoping to spend $57,856 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: 60/23/17 Blend
51$2,380,000$2,380,000$2,380,000$2,380,000
52$2,626,196$2,500,056$2,463,166$2,772,127
53$2,832,510$2,561,000$2,484,124$2,932,008
54$3,057,928$2,622,992$2,503,844$3,099,628
55$3,304,339$2,686,021$2,522,226$3,281,147
56$3,573,821$2,750,075$2,539,159$3,477,920
57$3,868,662$2,815,140$2,554,532$3,691,434
58$4,191,381$2,881,198$2,568,225$3,923,331
59$4,544,754$2,948,228$2,580,112$4,175,419
60$4,931,834$3,016,207$2,590,062$4,449,688
61$5,355,988$3,085,108$2,597,935$4,748,334
62$5,820,920$3,154,899$2,603,588$5,073,773
63$6,330,712$3,225,547$2,606,866$5,428,669
64$6,889,859$3,297,013$2,607,610$5,815,957
65$7,503,311$3,369,253$2,605,651$6,238,870
66$8,176,521$3,442,220$2,600,813$6,700,971
67$8,915,497$3,515,859$2,592,911$7,206,188
68$9,726,856$3,590,114$2,581,752$7,758,847
69$10,617,885$3,664,919$2,567,130$8,363,716
70$11,596,614$3,740,205$2,548,834$9,026,050
71$12,671,888$3,815,895$2,526,640$9,751,641
72$13,853,452$3,891,905$2,500,313$10,546,869
73$15,152,039$3,968,144$2,469,609$11,418,767
74$16,579,477$4,044,512$2,434,270$12,375,088
75$18,148,794$4,120,904$2,394,029$13,424,372
76$19,874,345$4,197,202$2,348,603$14,576,033
77$21,771,945$4,273,282$2,297,698$15,840,448
78$23,859,019$4,349,008$2,241,006$17,229,050
79$26,154,763$4,424,234$2,178,204$18,754,441
80$28,680,331$4,498,803$2,108,955$20,430,510
81$31,459,026$4,572,546$2,032,907$22,272,564
82$34,516,527$4,645,281$1,949,690$24,297,473
83$37,881,127$4,716,814$1,858,918$26,523,830
84$41,583,999$4,786,935$1,760,190$28,972,125
85$45,659,493$4,855,420$1,653,082$31,664,943
86$50,145,456$4,922,031$1,537,154$34,627,174
87$55,083,590$4,986,508$1,411,947$37,886,249
88$60,519,849$5,048,579$1,276,980$41,472,401
89$66,504,864$5,107,950$1,131,749$45,418,950
90$73,094,429$5,164,309$975,731$49,762,619
91$80,350,020$5,217,319$808,378$54,543,880
92$88,339,381$5,266,626$629,117$59,807,339
93$97,137,156$5,311,849$437,351$65,602,155
94$106,825,600$5,352,584$232,456$71,982,507
95$117,495,349$5,388,399$13,782$79,008,107
96$129,246,280$5,418,836$0$86,744,763
97$142,188,447$5,443,405$0$95,304,831
98$156,443,125$5,461,588$0$104,733,671
99$172,143,951$5,472,834$0$115,117,007
100$189,438,186$5,476,554$0$126,552,065