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%16.5%
1 years$199,016$197,243$195,513$193,825$192,177$187,076
2 years$98,523$96,688$94,909$93,185$91,513$86,409
3 years$65,029$63,186$61,413$59,705$58,059$53,113
4 years$48,286$46,449$44,693$43,014$41,408$36,657
5 years$38,243$36,416$34,683$33,039$31,478$26,935
6 years$31,549$29,737$28,029$26,421$24,908$20,577
7 years$26,770$24,973$23,292$21,722$20,256$16,139
8 years$23,187$21,406$19,754$18,222$16,805$12,898
9 years$20,402$18,638$17,014$15,521$14,152$10,453
10 years$18,175$16,429$14,833$13,380$12,058$8,562
11 years$16,355$14,625$13,059$11,644$10,370$7,071
12 years$14,839$13,127$11,589$10,214$8,987$5,879
13 years$13,557$11,863$10,354$9,017$7,837$4,914
14 years$12,459$10,783$9,303$8,004$6,870$4,125
15 years$11,508$9,851$8,400$7,138$6,049$3,475
16 years$10,677$9,038$7,616$6,392$5,346$2,936
17 years$9,945$8,323$6,930$5,743$4,740$2,487
18 years$9,294$7,691$6,326$5,176$4,214$2,110
19 years$8,713$7,128$5,791$4,677$3,756$1,794
20 years$8,191$6,624$5,315$4,236$3,355$1,527
21 years$7,719$6,170$4,889$3,844$3,003$1,302
22 years$7,290$5,759$4,506$3,495$2,691$1,111
23 years$6,899$5,387$4,160$3,183$2,416$949
24 years$6,542$5,047$3,848$2,903$2,172$811
25 years$6,213$4,736$3,564$2,651$1,954$693
26 years$5,911$4,451$3,305$2,424$1,760$593
27 years$5,631$4,189$3,069$2,219$1,587$508
28 years$5,371$3,947$2,853$2,033$1,432$435
29 years$5,130$3,724$2,655$1,864$1,293$373
30 years$4,906$3,517$2,473$1,711$1,168$319
31 years$4,696$3,325$2,306$1,571$1,056$274
32 years$4,500$3,146$2,151$1,444$955$235
33 years$4,316$2,979$2,008$1,328$865$201
34 years$4,143$2,823$1,877$1,222$783$173
35 years$3,981$2,678$1,755$1,125$709$148
36 years$3,828$2,542$1,641$1,036$642$127
37 years$3,683$2,414$1,536$954$582$109
38 years$3,547$2,294$1,439$880$528$93
39 years$3,417$2,182$1,348$811$479$80
40 years$3,295$2,076$1,263$748$434$69
41 years$3,179$1,976$1,185$690$394$59
42 years$3,068$1,882$1,111$637$357$51
43 years$2,963$1,793$1,043$588$324$43
44 years$2,863$1,709$979$543$294$37
45 years$2,768$1,630$919$501$267$32
46 years$2,677$1,555$863$463$243$27
47 years$2,591$1,484$811$428$220$24
48 years$2,508$1,416$762$395$200$20
49 years$2,429$1,353$716$365$182$17
50 years$2,353$1,292$673$338$165$15

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 $3,368 every year, while hoping to spend $28,077 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: 40/31/29 Blend
51$2,410,000$2,410,000$2,410,000$2,410,000
52$2,659,294$2,531,564$2,494,209$2,742,780
53$2,900,668$2,625,737$2,547,891$2,898,082
54$3,165,722$2,723,583$2,602,431$3,063,145
55$3,456,840$2,825,254$2,657,827$3,241,198
56$3,776,651$2,930,904$2,714,078$3,433,453
57$4,128,050$3,040,699$2,771,180$3,641,236
58$4,514,226$3,154,809$2,829,130$3,866,008
59$4,938,694$3,273,411$2,887,922$4,109,375
60$5,405,324$3,396,691$2,947,550$4,373,100
61$5,918,380$3,524,842$3,008,007$4,659,126
62$6,482,563$3,658,067$3,069,283$4,969,586
63$7,103,048$3,796,577$3,131,367$5,306,827
64$7,785,540$3,940,589$3,194,249$5,673,431
65$8,536,321$4,090,335$3,257,913$6,072,240
66$9,362,318$4,246,053$3,322,345$6,506,378
67$10,271,158$4,407,993$3,387,527$6,979,284
68$11,271,246$4,576,415$3,453,439$7,494,743
69$12,371,845$4,751,592$3,520,062$8,056,919
70$13,583,160$4,933,806$3,587,370$8,670,396
71$14,916,435$5,123,355$3,655,339$9,340,219
72$16,384,059$5,320,547$3,723,941$10,071,941
73$17,999,684$5,525,705$3,793,144$10,871,677
74$19,778,353$5,739,166$3,862,916$11,746,156
75$21,736,642$5,961,282$3,933,220$12,702,790
76$23,892,814$6,192,420$4,004,018$13,749,736
77$26,266,996$6,432,963$4,075,267$14,895,978
78$28,881,363$6,683,311$4,146,922$16,151,408
79$31,760,352$6,943,884$4,218,934$17,526,919
80$34,930,891$7,215,117$4,291,251$19,034,508
81$38,422,651$7,497,466$4,363,817$20,687,384
82$42,268,327$7,791,408$4,436,571$22,500,098
83$46,503,949$8,097,440$4,509,449$24,488,674
84$51,169,219$8,416,081$4,582,382$26,670,760
85$56,307,885$8,747,875$4,655,298$29,065,795
86$61,968,156$9,093,388$4,728,117$31,695,192
87$68,203,156$9,453,212$4,800,757$34,582,534
88$75,071,425$9,827,966$4,873,130$37,753,802
89$82,637,471$10,218,298$4,945,140$41,237,613
90$90,972,380$10,624,881$5,016,689$45,065,491
91$100,154,485$11,048,422$5,087,670$49,272,163
92$110,270,107$11,489,659$5,157,972$53,895,886
93$121,414,367$11,949,363$5,227,474$58,978,805
94$133,692,089$12,428,338$5,296,050$64,567,350
95$147,218,783$12,927,426$5,363,568$70,712,672
96$162,121,737$13,447,509$5,429,886$77,471,124
97$178,541,221$13,989,504$5,494,855$84,904,791
98$196,631,810$14,554,374$5,558,316$93,082,075
99$216,563,839$15,143,123$5,620,105$102,078,337
100$238,525,017$15,756,801$5,680,044$111,976,608