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

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 $2,410,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.7%
1 years$199,016$197,243$195,513$193,825$192,177$186,174
2 years$98,523$96,688$94,909$93,185$91,513$85,519
3 years$65,029$63,186$61,413$59,705$58,059$52,262
4 years$48,286$46,449$44,693$43,014$41,408$35,852
5 years$38,243$36,416$34,683$33,039$31,478$26,177
6 years$31,549$29,737$28,029$26,421$24,908$19,867
7 years$26,770$24,973$23,292$21,722$20,256$15,477
8 years$23,187$21,406$19,754$18,222$16,805$12,282
9 years$20,402$18,638$17,014$15,521$14,152$9,881
10 years$18,175$16,429$14,833$13,380$12,058$8,033
11 years$16,355$14,625$13,059$11,644$10,370$6,583
12 years$14,839$13,127$11,589$10,214$8,987$5,430
13 years$13,557$11,863$10,354$9,017$7,837$4,502
14 years$12,459$10,783$9,303$8,004$6,870$3,748
15 years$11,508$9,851$8,400$7,138$6,049$3,131
16 years$10,677$9,038$7,616$6,392$5,346$2,623
17 years$9,945$8,323$6,930$5,743$4,740$2,202
18 years$9,294$7,691$6,326$5,176$4,214$1,852
19 years$8,713$7,128$5,791$4,677$3,756$1,560
20 years$8,191$6,624$5,315$4,236$3,355$1,316
21 years$7,719$6,170$4,889$3,844$3,003$1,112
22 years$7,290$5,759$4,506$3,495$2,691$940
23 years$6,899$5,387$4,160$3,183$2,416$795
24 years$6,542$5,047$3,848$2,903$2,172$673
25 years$6,213$4,736$3,564$2,651$1,954$570
26 years$5,911$4,451$3,305$2,424$1,760$483
27 years$5,631$4,189$3,069$2,219$1,587$410
28 years$5,371$3,947$2,853$2,033$1,432$347
29 years$5,130$3,724$2,655$1,864$1,293$295
30 years$4,906$3,517$2,473$1,711$1,168$250
31 years$4,696$3,325$2,306$1,571$1,056$212
32 years$4,500$3,146$2,151$1,444$955$180
33 years$4,316$2,979$2,008$1,328$865$153
34 years$4,143$2,823$1,877$1,222$783$130
35 years$3,981$2,678$1,755$1,125$709$110
36 years$3,828$2,542$1,641$1,036$642$94
37 years$3,683$2,414$1,536$954$582$79
38 years$3,547$2,294$1,439$880$528$67
39 years$3,417$2,182$1,348$811$479$57
40 years$3,295$2,076$1,263$748$434$49
41 years$3,179$1,976$1,185$690$394$41
42 years$3,068$1,882$1,111$637$357$35
43 years$2,963$1,793$1,043$588$324$30
44 years$2,863$1,709$979$543$294$25
45 years$2,768$1,630$919$501$267$22
46 years$2,677$1,555$863$463$243$18
47 years$2,591$1,484$811$428$220$16
48 years$2,508$1,416$762$395$200$13
49 years$2,429$1,353$716$365$182$11
50 years$2,353$1,292$673$338$165$10

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 $3,140 every year, while hoping to spend $30,225 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: 47/42/11 Blend
51$2,410,000$2,410,000$2,410,000$2,410,000
52$2,659,059$2,531,329$2,493,974$2,775,779
53$2,898,124$2,623,205$2,545,363$2,948,477
54$3,160,560$2,718,570$2,597,460$3,132,415
55$3,448,720$2,817,563$2,650,258$3,331,357
56$3,765,195$2,920,328$2,703,747$3,546,707
57$4,112,838$3,027,018$2,757,916$3,780,009
58$4,494,794$3,137,788$2,812,752$4,032,959
59$4,914,526$3,252,803$2,868,243$4,307,423
60$5,375,851$3,372,234$2,924,372$4,605,449
61$5,882,973$3,496,258$2,981,124$4,929,293
62$6,440,522$3,625,061$3,038,478$5,281,432
63$7,053,603$3,758,836$3,096,414$5,664,593
64$7,727,836$3,897,785$3,154,910$6,081,774
65$8,469,417$4,042,117$3,213,940$6,536,271
66$9,285,168$4,192,052$3,273,478$7,031,715
67$10,182,611$4,347,818$3,333,495$7,572,096
68$11,170,028$4,509,652$3,393,958$8,161,807
69$12,256,549$4,677,804$3,454,834$8,805,681
70$13,452,232$4,852,530$3,516,086$9,509,037
71$14,768,158$5,034,102$3,577,673$10,277,730
72$16,216,538$5,222,801$3,639,552$11,118,204
73$17,810,826$5,418,920$3,701,679$12,037,550
74$19,565,848$5,622,765$3,764,003$13,043,578
75$21,497,940$5,834,656$3,826,472$14,144,882
76$23,625,100$6,054,925$3,889,030$15,350,926
77$25,967,164$6,283,919$3,951,616$16,672,130
78$28,545,986$6,522,002$4,014,166$18,119,964
79$31,385,648$6,769,552$4,076,612$19,707,062
80$34,512,686$7,026,963$4,138,881$21,447,333
81$37,956,343$7,294,646$4,200,896$23,356,096
82$41,748,838$7,573,032$4,262,574$25,450,218
83$45,925,677$7,862,568$4,323,828$27,748,278
84$50,525,985$8,163,723$4,384,566$30,270,735
85$55,592,876$8,476,986$4,444,689$33,040,123
86$61,173,856$8,802,865$4,504,092$36,081,263
87$67,321,277$9,141,893$4,562,667$39,421,490
88$74,092,828$9,494,626$4,620,297$43,090,915
89$81,552,077$9,861,643$4,676,857$47,122,706
90$89,769,075$10,243,550$4,732,219$51,553,396
91$98,821,016$10,640,980$4,786,244$56,423,230
92$108,792,963$11,054,591$4,838,786$61,776,540
93$119,778,653$11,485,074$4,889,693$67,662,163
94$131,881,381$11,933,148$4,938,803$74,133,898
95$145,214,975$12,399,565$4,985,946$81,251,014
96$159,904,868$12,885,109$5,030,941$89,078,803
97$176,089,286$13,390,601$5,073,599$97,689,197
98$193,920,550$13,916,897$5,113,721$107,161,445
99$213,566,512$14,464,891$5,151,097$117,582,854
100$235,212,144$15,035,519$5,185,506$129,049,616