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%14.7%
1 years$197,364$195,606$193,891$192,217$190,582$186,887
2 years$97,705$95,885$94,122$92,412$90,753$87,046
3 years$64,490$62,662$60,903$59,209$57,578$53,973
4 years$47,885$46,063$44,322$42,657$41,065$37,591
5 years$37,925$36,114$34,396$32,765$31,217$27,883
6 years$31,287$29,490$27,797$26,202$24,701$21,512
7 years$26,548$24,766$23,099$21,542$20,088$17,044
8 years$22,995$21,229$19,590$18,071$16,665$13,765
9 years$20,233$18,483$16,873$15,393$14,035$11,277
10 years$18,025$16,292$14,710$13,269$11,958$9,340
11 years$16,219$14,504$12,951$11,548$10,284$7,803
12 years$14,715$13,018$11,493$10,129$8,912$6,564
13 years$13,444$11,764$10,268$8,942$7,772$5,553
14 years$12,355$10,694$9,226$7,938$6,813$4,719
15 years$11,413$9,769$8,330$7,079$5,998$4,026
16 years$10,589$8,963$7,552$6,339$5,301$3,445
17 years$9,862$8,254$6,872$5,695$4,701$2,956
18 years$9,217$7,627$6,274$5,133$4,180$2,542
19 years$8,641$7,069$5,743$4,638$3,725$2,190
20 years$8,123$6,569$5,271$4,200$3,327$1,890
21 years$7,655$6,119$4,848$3,812$2,978$1,634
22 years$7,230$5,711$4,468$3,466$2,669$1,413
23 years$6,842$5,342$4,126$3,157$2,396$1,224
24 years$6,488$5,005$3,816$2,879$2,154$1,061
25 years$6,162$4,697$3,534$2,629$1,938$921
26 years$5,862$4,414$3,278$2,404$1,746$799
27 years$5,584$4,154$3,044$2,201$1,574$694
28 years$5,327$3,915$2,829$2,016$1,420$603
29 years$5,088$3,693$2,633$1,849$1,282$525
30 years$4,865$3,488$2,453$1,697$1,159$456
31 years$4,657$3,297$2,286$1,558$1,047$397
32 years$4,463$3,120$2,133$1,432$948$345
33 years$4,280$2,954$1,992$1,317$858$301
34 years$4,109$2,800$1,861$1,212$776$262
35 years$3,948$2,656$1,740$1,115$703$228
36 years$3,796$2,521$1,628$1,027$637$198
37 years$3,653$2,394$1,523$947$577$173
38 years$3,517$2,275$1,427$872$524$151
39 years$3,389$2,164$1,337$804$475$131
40 years$3,268$2,058$1,253$742$431$114
41 years$3,152$1,959$1,175$685$391$100
42 years$3,043$1,866$1,102$632$354$87
43 years$2,939$1,778$1,034$583$322$76
44 years$2,840$1,695$971$538$292$66
45 years$2,745$1,616$911$497$265$57
46 years$2,655$1,542$856$459$241$50
47 years$2,569$1,471$804$424$219$44
48 years$2,487$1,405$756$392$198$38
49 years$2,409$1,341$710$362$180$33
50 years$2,333$1,281$668$335$164$29

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 $4,152 every year, while hoping to spend $58,204 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: 48/34/18 Blend
51$2,390,000$2,390,000$2,390,000$2,390,000
52$2,638,063$2,511,393$2,474,348$2,751,139
53$2,845,217$2,572,522$2,495,310$2,891,161
54$3,071,549$2,634,697$2,515,023$3,036,864
55$3,318,956$2,697,905$2,533,385$3,193,837
56$3,589,522$2,762,135$2,550,286$3,363,156
57$3,885,545$2,827,372$2,565,613$3,546,013
58$4,209,554$2,893,597$2,579,244$3,743,714
59$4,564,334$2,960,788$2,591,055$3,957,704
60$4,952,952$3,028,923$2,600,911$4,189,570
61$5,378,786$3,097,972$2,608,673$4,441,063
62$5,845,554$3,167,905$2,614,196$4,714,114
63$6,357,353$3,238,685$2,617,324$5,010,847
64$6,918,696$3,310,274$2,617,898$5,333,605
65$7,534,553$3,382,626$2,615,747$5,684,970
66$8,210,396$3,455,694$2,610,693$6,067,787
67$8,952,256$3,529,422$2,602,551$6,485,191
68$9,766,774$3,603,752$2,591,124$6,940,639
69$10,661,266$3,678,618$2,576,208$7,437,939
70$11,643,793$3,753,948$2,557,589$7,981,290
71$12,723,232$3,829,664$2,535,041$8,575,317
72$13,909,366$3,905,680$2,508,328$9,225,121
73$15,212,968$3,981,906$2,477,204$9,936,323
74$16,645,910$4,058,238$2,441,410$10,715,118
75$18,221,271$4,134,570$2,400,675$11,568,335
76$19,953,459$4,210,782$2,354,716$12,503,502
77$21,858,349$4,286,748$2,303,236$13,528,915
78$23,953,431$4,362,330$2,245,926$14,653,720
79$26,257,977$4,437,379$2,182,459$15,887,996
80$28,793,216$4,511,737$2,112,498$17,242,855
81$31,582,544$4,585,231$2,035,686$18,730,544
82$34,651,733$4,657,678$1,951,652$20,364,561
83$38,029,185$4,728,879$1,860,007$22,159,788
84$41,746,191$4,798,623$1,760,346$24,132,625
85$45,837,230$4,866,683$1,652,245$26,301,150
86$50,340,291$4,932,814$1,535,259$28,685,290
87$55,297,236$4,996,758$1,408,926$31,307,009
88$60,754,190$5,058,235$1,272,760$34,190,516
89$66,761,977$5,116,948$1,126,258$37,362,496
90$73,376,601$5,172,580$968,889$40,852,361
91$80,659,771$5,224,793$800,104$44,692,529
92$88,679,485$5,273,225$619,324$48,918,735
93$97,510,670$5,317,492$425,950$53,570,362
94$107,235,892$5,357,182$219,353$58,690,822
95$117,946,130$5,391,860$0$64,327,960
96$129,741,635$5,421,061$0$70,534,731
97$142,732,879$5,444,291$0$77,414,018
98$157,041,594$5,461,022$0$84,987,850
99$172,801,922$5,470,698$0$93,326,983
100$190,161,679$5,472,723$0$102,509,393