Can I retire at age 52 with 2,410,000?

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 $2,410,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.3%
1 years$199,016$197,243$195,513$193,825$192,177$189,540
2 years$98,523$96,688$94,909$93,185$91,513$88,861
3 years$65,029$63,186$61,413$59,705$58,059$55,475
4 years$48,286$46,449$44,693$43,014$41,408$38,911
5 years$38,243$36,416$34,683$33,039$31,478$29,075
6 years$31,549$29,737$28,029$26,421$24,908$22,602
7 years$26,770$24,973$23,292$21,722$20,256$18,049
8 years$23,187$21,406$19,754$18,222$16,805$14,695
9 years$20,402$18,638$17,014$15,521$14,152$12,140
10 years$18,175$16,429$14,833$13,380$12,058$10,141
11 years$16,355$14,625$13,059$11,644$10,370$8,547
12 years$14,839$13,127$11,589$10,214$8,987$7,255
13 years$13,557$11,863$10,354$9,017$7,837$6,194
14 years$12,459$10,783$9,303$8,004$6,870$5,314
15 years$11,508$9,851$8,400$7,138$6,049$4,577
16 years$10,677$9,038$7,616$6,392$5,346$3,955
17 years$9,945$8,323$6,930$5,743$4,740$3,428
18 years$9,294$7,691$6,326$5,176$4,214$2,978
19 years$8,713$7,128$5,791$4,677$3,756$2,592
20 years$8,191$6,624$5,315$4,236$3,355$2,261
21 years$7,719$6,170$4,889$3,844$3,003$1,975
22 years$7,290$5,759$4,506$3,495$2,691$1,727
23 years$6,899$5,387$4,160$3,183$2,416$1,512
24 years$6,542$5,047$3,848$2,903$2,172$1,325
25 years$6,213$4,736$3,564$2,651$1,954$1,162
26 years$5,911$4,451$3,305$2,424$1,760$1,020
27 years$5,631$4,189$3,069$2,219$1,587$896
28 years$5,371$3,947$2,853$2,033$1,432$788
29 years$5,130$3,724$2,655$1,864$1,293$693
30 years$4,906$3,517$2,473$1,711$1,168$610
31 years$4,696$3,325$2,306$1,571$1,056$537
32 years$4,500$3,146$2,151$1,444$955$472
33 years$4,316$2,979$2,008$1,328$865$416
34 years$4,143$2,823$1,877$1,222$783$366
35 years$3,981$2,678$1,755$1,125$709$323
36 years$3,828$2,542$1,641$1,036$642$285
37 years$3,683$2,414$1,536$954$582$251
38 years$3,547$2,294$1,439$880$528$221
39 years$3,417$2,182$1,348$811$479$195
40 years$3,295$2,076$1,263$748$434$172
41 years$3,179$1,976$1,185$690$394$152
42 years$3,068$1,882$1,111$637$357$134
43 years$2,963$1,793$1,043$588$324$118
44 years$2,863$1,709$979$543$294$104
45 years$2,768$1,630$919$501$267$92
46 years$2,677$1,555$863$463$243$81
47 years$2,591$1,484$811$428$220$71
48 years$2,508$1,416$762$395$200$63
49 years$2,429$1,353$716$365$182$56
50 years$2,353$1,292$673$338$165$49

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,410,000, adding $6,078 every year, while hoping to spend $43,072 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: 49/27/24 Blend
51$2,410,000$2,410,000$2,410,000$2,410,000
52$2,662,089$2,534,359$2,497,004$2,774,192
53$2,887,794$2,612,715$2,534,826$2,931,354
54$3,135,077$2,693,466$2,572,471$3,097,193
55$3,406,094$2,776,685$2,609,887$3,276,494
56$3,703,219$2,862,446$2,647,022$3,470,546
57$4,029,066$2,950,824$2,683,816$3,680,767
58$4,386,516$3,041,899$2,720,208$3,908,721
59$4,778,739$3,135,751$2,756,134$4,156,127
60$5,209,230$3,232,462$2,791,524$4,424,877
61$5,681,838$3,332,119$2,826,307$4,717,057
62$6,200,802$3,434,809$2,860,404$5,034,961
63$6,770,791$3,540,623$2,893,735$5,381,117
64$7,396,951$3,649,653$2,926,215$5,758,308
65$8,084,949$3,761,995$2,957,752$6,169,599
66$8,841,028$3,877,747$2,988,251$6,618,365
67$9,672,067$3,997,010$3,017,611$7,108,325
68$10,585,643$4,119,889$3,045,726$7,643,573
69$11,590,105$4,246,490$3,072,485$8,228,621
70$12,694,651$4,376,924$3,097,769$8,868,437
71$13,909,416$4,511,303$3,121,454$9,568,494
72$15,245,563$4,649,743$3,143,409$10,334,823
73$16,715,395$4,792,365$3,163,498$11,174,066
74$18,332,465$4,939,292$3,181,576$12,093,541
75$20,111,708$5,090,648$3,197,490$13,101,310
76$22,069,578$5,246,565$3,211,081$14,206,256
77$24,224,204$5,407,177$3,222,182$15,418,164
78$26,595,564$5,572,619$3,230,615$16,747,817
79$29,205,667$5,743,033$3,236,197$18,207,095
80$32,078,768$5,918,564$3,238,732$19,809,087
81$35,241,590$6,099,362$3,238,017$21,568,215
82$38,723,580$6,285,578$3,233,838$23,500,370
83$42,557,183$6,477,370$3,225,971$25,623,063
84$46,778,155$6,674,900$3,214,179$27,955,585
85$51,425,889$6,878,333$3,198,217$30,519,197
86$56,543,798$7,087,839$3,177,826$33,337,323
87$62,179,717$7,303,594$3,152,734$36,435,777
88$68,386,355$7,525,778$3,122,658$39,843,002
89$75,221,796$7,754,574$3,087,300$43,590,340
90$82,750,044$7,990,172$3,046,348$47,712,328
91$91,041,624$8,232,766$2,999,477$52,247,024
92$100,174,255$8,482,557$2,946,345$57,236,365
93$110,233,575$8,739,748$2,886,593$62,726,565
94$121,313,954$9,004,551$2,819,849$68,768,549
95$133,519,384$9,277,180$2,745,720$75,418,433
96$146,964,457$9,557,858$2,663,797$82,738,058
97$161,775,449$9,846,810$2,573,652$90,795,569
98$178,091,512$10,144,271$2,474,837$99,666,059
99$196,065,985$10,450,479$2,366,882$109,432,280
100$215,867,842$10,765,679$2,249,299$120,185,424