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

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 $2,380,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.1%
1 years$196,538$194,788$193,080$191,412$189,785$183,562
2 years$97,296$95,484$93,728$92,025$90,374$84,164
3 years$64,220$62,400$60,648$58,961$57,337$51,335
4 years$47,685$45,871$44,136$42,478$40,893$35,145
5 years$37,766$35,963$34,252$32,627$31,086$25,607
6 years$31,156$29,367$27,680$26,092$24,597$19,392
7 years$26,437$24,662$23,003$21,452$20,004$15,072
8 years$22,899$21,140$19,508$17,996$16,596$11,932
9 years$20,148$18,406$16,802$15,328$13,976$9,577
10 years$17,949$16,224$14,649$13,213$11,908$7,766
11 years$16,151$14,443$12,896$11,499$10,241$6,348
12 years$14,654$12,964$11,445$10,086$8,875$5,222
13 years$13,388$11,715$10,226$8,905$7,739$4,318
14 years$12,304$10,649$9,188$7,905$6,784$3,585
15 years$11,365$9,728$8,295$7,050$5,973$2,986
16 years$10,544$8,925$7,521$6,312$5,279$2,494
17 years$9,821$8,220$6,844$5,671$4,681$2,088
18 years$9,179$7,595$6,247$5,111$4,162$1,751
19 years$8,605$7,039$5,719$4,618$3,710$1,471
20 years$8,089$6,541$5,249$4,183$3,314$1,237
21 years$7,623$6,093$4,828$3,796$2,965$1,041
22 years$7,199$5,688$4,450$3,452$2,658$878
23 years$6,814$5,319$4,108$3,143$2,386$740
24 years$6,460$4,984$3,800$2,867$2,145$625
25 years$6,136$4,677$3,519$2,618$1,930$527
26 years$5,837$4,396$3,264$2,394$1,738$445
27 years$5,561$4,137$3,031$2,191$1,567$376
28 years$5,305$3,898$2,818$2,008$1,414$318
29 years$5,066$3,678$2,622$1,841$1,277$269
30 years$4,845$3,473$2,442$1,690$1,154$227
31 years$4,638$3,283$2,277$1,552$1,043$192
32 years$4,444$3,107$2,124$1,426$944$163
33 years$4,262$2,942$1,983$1,311$854$138
34 years$4,092$2,788$1,853$1,207$773$117
35 years$3,931$2,645$1,733$1,111$700$99
36 years$3,780$2,510$1,621$1,023$634$83
37 years$3,637$2,384$1,517$943$575$71
38 years$3,502$2,266$1,421$869$521$60
39 years$3,375$2,155$1,331$801$473$51
40 years$3,254$2,050$1,248$739$429$43
41 years$3,139$1,951$1,170$682$389$36
42 years$3,030$1,858$1,097$629$353$31
43 years$2,926$1,771$1,030$581$320$26
44 years$2,828$1,688$967$536$291$22
45 years$2,734$1,609$908$495$264$19
46 years$2,644$1,535$852$457$240$16
47 years$2,559$1,465$801$423$218$13
48 years$2,477$1,399$753$391$198$11
49 years$2,399$1,336$707$361$180$10
50 years$2,324$1,276$665$334$163$8

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 $2,119 every year, while hoping to spend $40,278 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: 35/45/20 Blend
51$2,380,000$2,380,000$2,380,000$2,380,000
52$2,624,946$2,498,806$2,461,916$2,700,740
53$2,849,835$2,578,392$2,501,534$2,836,140
54$3,096,312$2,660,528$2,541,130$2,978,250
55$3,366,538$2,745,295$2,580,660$3,130,752
56$3,662,891$2,832,781$2,620,078$3,294,593
57$3,987,990$2,923,071$2,659,335$3,470,815
58$4,344,721$3,016,258$2,698,379$3,660,564
59$4,736,262$3,112,434$2,737,154$3,865,097
60$5,166,114$3,211,697$2,775,602$4,085,800
61$5,638,134$3,314,146$2,813,661$4,324,195
62$6,156,570$3,419,885$2,851,265$4,581,954
63$6,726,102$3,529,021$2,888,344$4,860,919
64$7,351,885$3,641,664$2,924,824$5,163,116
65$8,039,599$3,757,927$2,960,628$5,490,772
66$8,795,502$3,877,929$2,995,672$5,846,341
67$9,626,486$4,001,791$3,029,870$6,232,519
68$10,540,147$4,129,638$3,063,130$6,652,277
69$11,544,851$4,261,599$3,095,354$7,108,883
70$12,649,818$4,397,810$3,126,441$7,605,936
71$13,865,205$4,538,408$3,156,281$8,147,395
72$15,202,201$4,683,535$3,184,763$8,737,621
73$16,673,138$4,833,341$3,211,765$9,381,416
74$18,291,601$4,987,977$3,237,161$10,084,064
75$20,072,557$5,147,601$3,260,819$10,851,386
76$22,032,500$5,312,375$3,282,598$11,689,792
77$24,189,602$5,482,469$3,302,353$12,606,339
78$26,563,887$5,658,055$3,319,927$13,608,803
79$29,177,418$5,839,314$3,335,159$14,705,742
80$32,054,505$6,026,432$3,347,878$15,906,587
81$35,221,937$6,219,599$3,357,903$17,221,723
82$38,709,229$6,419,014$3,365,048$18,662,590
83$42,548,907$6,624,882$3,369,114$20,241,788
84$46,776,809$6,837,415$3,369,893$21,973,198
85$51,432,427$7,056,832$3,367,167$23,872,109
86$56,559,276$7,283,357$3,360,708$25,955,366
87$62,205,306$7,517,226$3,350,276$28,241,524
88$68,423,357$7,758,680$3,335,620$30,751,024
89$75,271,651$8,007,967$3,316,476$33,506,388
90$82,814,349$8,265,347$3,292,567$36,532,427
91$91,122,149$8,531,086$3,263,605$39,856,475
92$100,272,958$8,805,459$3,229,285$43,508,648
93$110,352,625$9,088,751$3,189,291$47,522,129
94$121,455,750$9,381,257$3,143,289$51,933,474
95$133,686,579$9,683,281$3,090,932$56,782,963
96$147,159,986$9,995,139$3,031,855$62,114,977
97$162,002,559$10,317,154$2,965,676$67,978,416
98$178,353,790$10,649,665$2,891,996$74,427,158
99$196,367,396$10,993,018$2,810,397$81,520,571
100$216,212,767$11,347,573$2,720,443$89,324,067