Can I retire at age 52 with 2,430,000?

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 $2,430,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.2%
1 years$200,667$198,880$197,136$195,434$193,772$191,988
2 years$99,340$97,490$95,697$93,958$92,272$90,475
3 years$65,569$63,711$61,922$60,200$58,541$56,786
4 years$48,687$46,834$45,064$43,371$41,752$40,053
5 years$38,560$36,719$34,971$33,313$31,739$30,101
6 years$31,811$29,983$28,262$26,641$25,114$23,539
7 years$26,992$25,180$23,486$21,903$20,425$18,913
8 years$23,380$21,584$19,918$18,374$16,944$15,496
9 years$20,571$18,793$17,155$15,650$14,269$12,884
10 years$18,326$16,565$14,956$13,491$12,158$10,835
11 years$16,490$14,747$13,167$11,741$10,457$9,194
12 years$14,962$13,236$11,686$10,298$9,061$7,859
13 years$13,669$11,961$10,440$9,092$7,902$6,758
14 years$12,562$10,873$9,381$8,071$6,927$5,840
15 years$11,604$9,932$8,469$7,198$6,099$5,068
16 years$10,766$9,113$7,679$6,445$5,390$4,413
17 years$10,027$8,392$6,987$5,791$4,779$3,854
18 years$9,372$7,755$6,379$5,218$4,249$3,375
19 years$8,786$7,187$5,839$4,715$3,788$2,961
20 years$8,259$6,679$5,359$4,271$3,383$2,603
21 years$7,783$6,221$4,929$3,876$3,028$2,293
22 years$7,351$5,807$4,543$3,524$2,714$2,022
23 years$6,957$5,431$4,195$3,209$2,436$1,785
24 years$6,596$5,089$3,879$2,927$2,190$1,578
25 years$6,265$4,775$3,593$2,673$1,970$1,396
26 years$5,960$4,488$3,332$2,444$1,775$1,236
27 years$5,677$4,224$3,094$2,237$1,600$1,096
28 years$5,416$3,980$2,877$2,050$1,444$972
29 years$5,173$3,755$2,677$1,880$1,304$862
30 years$4,946$3,546$2,494$1,725$1,178$765
31 years$4,735$3,352$2,325$1,584$1,065$680
32 years$4,537$3,172$2,169$1,456$963$604
33 years$4,352$3,004$2,025$1,339$872$537
34 years$4,178$2,847$1,892$1,232$789$477
35 years$4,014$2,700$1,769$1,134$715$424
36 years$3,859$2,563$1,655$1,045$648$377
37 years$3,714$2,434$1,549$962$587$336
38 years$3,576$2,313$1,451$887$532$299
39 years$3,446$2,200$1,359$818$483$266
40 years$3,322$2,093$1,274$754$438$237
41 years$3,205$1,992$1,194$696$397$211
42 years$3,094$1,897$1,120$642$360$188
43 years$2,988$1,808$1,051$593$327$167
44 years$2,887$1,723$987$548$297$149
45 years$2,791$1,643$927$506$270$133
46 years$2,700$1,568$870$467$245$118
47 years$2,612$1,496$818$432$222$105
48 years$2,529$1,428$768$399$202$94
49 years$2,449$1,364$722$369$183$83
50 years$2,373$1,303$679$341$166$74

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,430,000, adding $4,566 every year, while hoping to spend $39,405 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: 49/22/29 Blend
51$2,430,000$2,430,000$2,430,000$2,430,000
52$2,682,570$2,553,780$2,516,115$2,791,681
53$2,914,265$2,636,988$2,558,478$2,951,978
54$3,168,273$2,722,954$2,600,940$3,121,796
55$3,446,827$2,811,769$2,643,462$3,305,547
56$3,752,389$2,903,531$2,686,003$3,504,570
57$4,087,668$2,998,339$2,728,520$3,720,339
58$4,455,651$3,096,299$2,770,966$3,954,477
59$4,859,626$3,197,516$2,813,291$4,208,768
60$5,303,215$3,302,101$2,855,444$4,485,180
61$5,790,410$3,410,171$2,897,368$4,785,877
62$6,325,606$3,521,844$2,939,004$5,113,242
63$6,913,646$3,637,242$2,980,289$5,469,900
64$7,559,865$3,756,494$3,021,156$5,858,742
65$8,270,141$3,879,732$3,061,534$6,282,950
66$9,050,949$4,007,092$3,101,349$6,746,031
67$9,909,422$4,138,717$3,140,521$7,251,846
68$10,853,422$4,274,752$3,178,967$7,804,647
69$11,891,606$4,415,350$3,216,598$8,409,120
70$13,033,516$4,560,668$3,253,319$9,070,424
71$14,289,663$4,710,869$3,289,034$9,794,243
72$15,671,628$4,866,122$3,323,637$10,586,840
73$17,192,174$5,026,602$3,357,018$11,455,112
74$18,865,360$5,192,489$3,389,062$12,406,660
75$20,706,677$5,363,971$3,419,646$13,449,854
76$22,733,196$5,541,244$3,448,642$14,593,919
77$24,963,724$5,724,507$3,475,914$15,849,017
78$27,418,987$5,913,971$3,501,320$17,226,345
79$30,121,818$6,109,850$3,524,709$18,738,237
80$33,097,380$6,312,369$3,545,924$20,398,285
81$36,373,399$6,521,761$3,564,798$22,221,465
82$39,980,423$6,738,266$3,581,156$24,224,276
83$43,952,118$6,962,132$3,594,817$26,424,898
84$48,325,578$7,193,620$3,605,586$28,843,365
85$53,141,675$7,432,996$3,613,263$31,501,749
86$58,445,452$7,680,539$3,617,633$34,424,371
87$64,286,539$7,936,536$3,618,474$37,638,032
88$70,719,626$8,201,286$3,615,553$41,172,260
89$77,804,977$8,475,098$3,608,623$45,059,597
90$85,609,000$8,758,294$3,597,427$49,335,898
91$94,204,873$9,051,205$3,581,696$54,040,674
92$103,673,233$9,354,177$3,561,146$59,217,463
93$114,102,940$9,667,568$3,535,481$64,914,240
94$125,591,909$9,991,749$3,504,390$71,183,871
95$138,248,044$10,327,105$3,467,547$78,084,614
96$152,190,246$10,674,034$3,424,611$85,680,662
97$167,549,540$11,032,951$3,375,225$94,042,756
98$184,470,314$11,404,286$3,319,015$103,248,850
99$203,111,673$11,788,484$3,255,590$113,384,843
100$223,648,952$12,186,007$3,184,539$124,545,395