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

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 $2,390,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.8%
1 years$197,364$195,606$193,891$192,217$190,582$184,555
2 years$97,705$95,885$94,122$92,412$90,753$84,736
3 years$64,490$62,662$60,903$59,209$57,578$51,759
4 years$47,885$46,063$44,322$42,657$41,065$35,489
5 years$37,925$36,114$34,396$32,765$31,217$25,899
6 years$31,287$29,490$27,797$26,202$24,701$19,645
7 years$26,548$24,766$23,099$21,542$20,088$15,295
8 years$22,995$21,229$19,590$18,071$16,665$12,130
9 years$20,233$18,483$16,873$15,393$14,035$9,753
10 years$18,025$16,292$14,710$13,269$11,958$7,924
11 years$16,219$14,504$12,951$11,548$10,284$6,490
12 years$14,715$13,018$11,493$10,129$8,912$5,350
13 years$13,444$11,764$10,268$8,942$7,772$4,432
14 years$12,355$10,694$9,226$7,938$6,813$3,687
15 years$11,413$9,769$8,330$7,079$5,998$3,078
16 years$10,589$8,963$7,552$6,339$5,301$2,576
17 years$9,862$8,254$6,872$5,695$4,701$2,161
18 years$9,217$7,627$6,274$5,133$4,180$1,817
19 years$8,641$7,069$5,743$4,638$3,725$1,529
20 years$8,123$6,569$5,271$4,200$3,327$1,289
21 years$7,655$6,119$4,848$3,812$2,978$1,088
22 years$7,230$5,711$4,468$3,466$2,669$919
23 years$6,842$5,342$4,126$3,157$2,396$777
24 years$6,488$5,005$3,816$2,879$2,154$657
25 years$6,162$4,697$3,534$2,629$1,938$556
26 years$5,862$4,414$3,278$2,404$1,746$471
27 years$5,584$4,154$3,044$2,201$1,574$399
28 years$5,327$3,915$2,829$2,016$1,420$338
29 years$5,088$3,693$2,633$1,849$1,282$286
30 years$4,865$3,488$2,453$1,697$1,159$243
31 years$4,657$3,297$2,286$1,558$1,047$206
32 years$4,463$3,120$2,133$1,432$948$175
33 years$4,280$2,954$1,992$1,317$858$148
34 years$4,109$2,800$1,861$1,212$776$126
35 years$3,948$2,656$1,740$1,115$703$107
36 years$3,796$2,521$1,628$1,027$637$90
37 years$3,653$2,394$1,523$947$577$77
38 years$3,517$2,275$1,427$872$524$65
39 years$3,389$2,164$1,337$804$475$55
40 years$3,268$2,058$1,253$742$431$47
41 years$3,152$1,959$1,175$685$391$40
42 years$3,043$1,866$1,102$632$354$34
43 years$2,939$1,778$1,034$583$322$29
44 years$2,840$1,695$971$538$292$24
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 $3,463 every year, while hoping to spend $26,362 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: 53/24/23 Blend
51$2,390,000$2,390,000$2,390,000$2,390,000
52$2,637,352$2,510,682$2,473,637$2,760,194
53$2,878,313$2,605,657$2,528,455$2,940,196
54$3,142,968$2,704,401$2,584,226$3,132,953
55$3,433,707$2,807,073$2,640,953$3,342,162
56$3,753,162$2,913,836$2,698,641$3,569,403
57$4,104,230$3,024,860$2,757,292$3,816,412
58$4,490,108$3,140,324$2,816,908$4,085,102
59$4,914,313$3,260,414$2,877,488$4,377,573
60$5,380,723$3,385,325$2,939,034$4,696,140
61$5,893,610$3,515,258$3,001,544$5,043,348
62$6,457,678$3,650,426$3,065,016$5,421,998
63$7,078,113$3,791,048$3,129,446$5,835,174
64$7,760,627$3,937,357$3,194,830$6,286,269
65$8,511,516$4,089,592$3,261,161$6,779,018
66$9,337,713$4,248,004$3,328,432$7,317,534
67$10,246,860$4,412,857$3,396,635$7,906,342
68$11,247,376$4,584,423$3,465,758$8,550,429
69$12,348,537$4,762,989$3,535,791$9,255,279
70$13,560,566$4,948,854$3,606,718$10,026,937
71$14,894,725$5,142,329$3,678,524$10,872,053
72$16,363,424$5,343,740$3,751,191$11,797,956
73$17,980,338$5,553,427$3,824,701$12,812,712
74$19,760,534$5,771,747$3,899,030$13,925,207
75$21,720,615$5,999,069$3,974,154$15,145,224
76$23,878,876$6,235,782$4,050,047$16,483,542
77$26,255,478$6,482,291$4,126,679$17,952,029
78$28,872,632$6,739,019$4,204,018$19,563,759
79$31,754,818$7,006,408$4,282,030$21,333,131
80$34,929,007$7,284,921$4,360,677$23,276,007
81$38,424,923$7,575,039$4,439,916$25,409,857
82$42,275,317$7,877,267$4,519,705$27,753,928
83$46,516,279$8,192,133$4,599,995$30,329,420
84$51,187,579$8,520,187$4,680,734$33,159,687
85$56,333,040$8,862,005$4,761,867$36,270,457
86$62,000,955$9,218,188$4,843,335$39,690,073
87$68,244,539$9,589,365$4,925,073$43,449,758
88$75,122,432$9,976,194$5,007,012$47,583,912
89$82,699,254$10,379,361$5,089,081$52,130,433
90$91,046,213$10,799,585$5,171,201$57,131,072
91$100,241,779$11,237,617$5,253,288$62,631,830
92$110,372,421$11,694,241$5,335,254$68,683,387
93$121,533,427$12,170,278$5,417,004$75,341,582
94$133,829,801$12,666,586$5,498,438$82,667,934
95$147,377,253$13,184,062$5,579,449$90,730,228
96$162,303,296$13,723,643$5,659,923$99,603,145
97$178,748,442$14,286,312$5,739,740$109,368,974
98$196,867,535$14,873,093$5,818,773$120,118,380
99$216,831,207$15,485,058$5,896,886$131,951,262
100$238,827,495$16,123,331$5,973,936$144,977,691