Can I retire at age 52 with 2,390,000?

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 $2,390,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.7%
1 years$197,364$195,606$193,891$192,217$190,582$184,629
2 years$97,705$95,885$94,122$92,412$90,753$84,809
3 years$64,490$62,662$60,903$59,209$57,578$51,828
4 years$47,885$46,063$44,322$42,657$41,065$35,554
5 years$37,925$36,114$34,396$32,765$31,217$25,960
6 years$31,287$29,490$27,797$26,202$24,701$19,703
7 years$26,548$24,766$23,099$21,542$20,088$15,348
8 years$22,995$21,229$19,590$18,071$16,665$12,180
9 years$20,233$18,483$16,873$15,393$14,035$9,799
10 years$18,025$16,292$14,710$13,269$11,958$7,966
11 years$16,219$14,504$12,951$11,548$10,284$6,529
12 years$14,715$13,018$11,493$10,129$8,912$5,385
13 years$13,444$11,764$10,268$8,942$7,772$4,465
14 years$12,355$10,694$9,226$7,938$6,813$3,717
15 years$11,413$9,769$8,330$7,079$5,998$3,105
16 years$10,589$8,963$7,552$6,339$5,301$2,601
17 years$9,862$8,254$6,872$5,695$4,701$2,184
18 years$9,217$7,627$6,274$5,133$4,180$1,837
19 years$8,641$7,069$5,743$4,638$3,725$1,547
20 years$8,123$6,569$5,271$4,200$3,327$1,305
21 years$7,655$6,119$4,848$3,812$2,978$1,102
22 years$7,230$5,711$4,468$3,466$2,669$932
23 years$6,842$5,342$4,126$3,157$2,396$788
24 years$6,488$5,005$3,816$2,879$2,154$667
25 years$6,162$4,697$3,534$2,629$1,938$565
26 years$5,862$4,414$3,278$2,404$1,746$479
27 years$5,584$4,154$3,044$2,201$1,574$406
28 years$5,327$3,915$2,829$2,016$1,420$344
29 years$5,088$3,693$2,633$1,849$1,282$292
30 years$4,865$3,488$2,453$1,697$1,159$248
31 years$4,657$3,297$2,286$1,558$1,047$210
32 years$4,463$3,120$2,133$1,432$948$179
33 years$4,280$2,954$1,992$1,317$858$152
34 years$4,109$2,800$1,861$1,212$776$129
35 years$3,948$2,656$1,740$1,115$703$109
36 years$3,796$2,521$1,628$1,027$637$93
37 years$3,653$2,394$1,523$947$577$79
38 years$3,517$2,275$1,427$872$524$67
39 years$3,389$2,164$1,337$804$475$57
40 years$3,268$2,058$1,253$742$431$48
41 years$3,152$1,959$1,175$685$391$41
42 years$3,043$1,866$1,102$632$354$35
43 years$2,939$1,778$1,034$583$322$30
44 years$2,840$1,695$971$538$292$25
45 years$2,745$1,616$911$497$265$21
46 years$2,655$1,542$856$459$241$18
47 years$2,569$1,471$804$424$219$15
48 years$2,487$1,405$756$392$198$13
49 years$2,409$1,341$710$362$180$11
50 years$2,333$1,281$668$335$164$9

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,390,000, adding $4,511 every year, while hoping to spend $22,670 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: 39/43/18 Blend
51$2,390,000$2,390,000$2,390,000$2,390,000
52$2,638,433$2,511,763$2,474,718$2,726,987
53$2,883,433$2,610,719$2,533,500$2,889,779
54$3,152,662$2,713,763$2,593,492$3,063,180
55$3,448,569$2,821,074$2,654,710$3,250,200
56$3,773,851$2,932,834$2,717,170$3,452,085
57$4,131,477$3,049,236$2,780,889$3,670,200
58$4,524,721$3,170,482$2,845,882$3,906,047
59$4,957,189$3,296,781$2,912,165$4,161,273
60$5,432,853$3,428,355$2,979,753$4,437,687
61$5,956,091$3,565,431$3,048,662$4,737,277
62$6,531,725$3,708,250$3,118,905$5,062,227
63$7,165,069$3,857,063$3,190,497$5,414,937
64$7,861,979$4,012,131$3,263,451$5,798,042
65$8,628,905$4,173,730$3,337,780$6,214,443
66$9,472,954$4,342,144$3,413,498$6,667,324
67$10,401,960$4,517,673$3,490,614$7,160,190
68$11,424,551$4,700,630$3,569,141$7,696,893
69$12,550,237$4,891,343$3,649,089$8,281,669
70$13,789,495$5,090,152$3,730,467$8,919,176
71$15,153,870$5,297,416$3,813,284$9,614,540
72$16,656,083$5,513,508$3,897,547$10,373,398
73$18,310,152$5,738,818$3,983,264$11,201,952
74$20,131,523$5,973,756$4,070,439$12,107,026
75$22,137,217$6,218,749$4,159,077$13,096,129
76$24,345,989$6,474,243$4,249,182$14,177,523
77$26,778,504$6,740,706$4,340,754$15,360,302
78$29,457,537$7,018,626$4,433,795$16,654,474
79$32,408,182$7,308,514$4,528,302$18,071,053
80$35,658,090$7,610,905$4,624,274$19,622,166
81$39,237,734$7,926,358$4,721,706$21,321,159
82$43,180,690$8,255,457$4,820,591$23,182,726
83$47,523,961$8,598,815$4,920,921$25,223,045
84$52,308,318$8,957,070$5,022,685$27,459,924
85$57,578,693$9,330,893$5,125,872$29,912,975
86$63,384,596$9,720,983$5,230,465$32,603,788
87$69,780,587$10,128,073$5,336,447$35,556,141
88$76,826,788$10,552,930$5,443,799$38,796,214
89$84,589,452$10,996,355$5,552,498$42,352,839
90$93,141,587$11,459,187$5,662,518$46,257,767
91$102,563,646$11,942,305$5,773,829$50,545,967
92$112,944,286$12,446,626$5,886,401$55,255,949
93$124,381,205$12,973,112$6,000,196$60,430,130
94$136,982,062$13,522,769$6,115,177$66,115,225
95$150,865,496$14,096,649$6,231,300$72,362,692
96$166,162,246$14,695,854$6,348,518$79,229,205
97$183,016,382$15,321,536$6,466,779$86,777,195
98$201,586,664$15,974,904$6,586,028$95,075,429
99$222,048,048$16,657,218$6,706,205$104,199,655
100$244,593,329$17,369,802$6,827,242$114,233,320