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%15.5%
1 years$200,667$198,880$197,136$195,434$193,772$189,395
2 years$99,340$97,490$95,697$93,958$92,272$87,886
3 years$65,569$63,711$61,922$60,200$58,541$54,283
4 years$48,687$46,834$45,064$43,371$41,752$37,654
5 years$38,560$36,719$34,971$33,313$31,739$27,814
6 years$31,811$29,983$28,262$26,641$25,114$21,365
7 years$26,992$25,180$23,486$21,903$20,425$16,852
8 years$23,380$21,584$19,918$18,374$16,944$13,547
9 years$20,571$18,793$17,155$15,650$14,269$11,045
10 years$18,326$16,565$14,956$13,491$12,158$9,103
11 years$16,490$14,747$13,167$11,741$10,457$7,566
12 years$14,962$13,236$11,686$10,298$9,061$6,332
13 years$13,669$11,961$10,440$9,092$7,902$5,328
14 years$12,562$10,873$9,381$8,071$6,927$4,503
15 years$11,604$9,932$8,469$7,198$6,099$3,820
16 years$10,766$9,113$7,679$6,445$5,390$3,251
17 years$10,027$8,392$6,987$5,791$4,779$2,773
18 years$9,372$7,755$6,379$5,218$4,249$2,371
19 years$8,786$7,187$5,839$4,715$3,788$2,031
20 years$8,259$6,679$5,359$4,271$3,383$1,742
21 years$7,783$6,221$4,929$3,876$3,028$1,496
22 years$7,351$5,807$4,543$3,524$2,714$1,287
23 years$6,957$5,431$4,195$3,209$2,436$1,108
24 years$6,596$5,089$3,879$2,927$2,190$954
25 years$6,265$4,775$3,593$2,673$1,970$823
26 years$5,960$4,488$3,332$2,444$1,775$709
27 years$5,677$4,224$3,094$2,237$1,600$612
28 years$5,416$3,980$2,877$2,050$1,444$529
29 years$5,173$3,755$2,677$1,880$1,304$457
30 years$4,946$3,546$2,494$1,725$1,178$394
31 years$4,735$3,352$2,325$1,584$1,065$341
32 years$4,537$3,172$2,169$1,456$963$295
33 years$4,352$3,004$2,025$1,339$872$255
34 years$4,178$2,847$1,892$1,232$789$220
35 years$4,014$2,700$1,769$1,134$715$191
36 years$3,859$2,563$1,655$1,045$648$165
37 years$3,714$2,434$1,549$962$587$143
38 years$3,576$2,313$1,451$887$532$123
39 years$3,446$2,200$1,359$818$483$107
40 years$3,322$2,093$1,274$754$438$92
41 years$3,205$1,992$1,194$696$397$80
42 years$3,094$1,897$1,120$642$360$69
43 years$2,988$1,808$1,051$593$327$60
44 years$2,887$1,723$987$548$297$52
45 years$2,791$1,643$927$506$270$45
46 years$2,700$1,568$870$467$245$39
47 years$2,612$1,496$818$432$222$34
48 years$2,529$1,428$768$399$202$29
49 years$2,449$1,364$722$369$183$25
50 years$2,373$1,303$679$341$166$22

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 $2,910 every year, while hoping to spend $21,318 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: 44/48/8 Blend
51$2,430,000$2,430,000$2,430,000$2,430,000
52$2,680,862$2,552,072$2,514,407$2,792,593
53$2,931,627$2,654,441$2,575,957$2,972,644
54$3,207,257$2,761,112$2,638,855$3,165,253
55$3,510,263$2,872,273$2,703,123$3,373,513
56$3,843,416$2,988,120$2,768,784$3,598,866
57$4,209,767$3,108,860$2,835,860$3,842,899
58$4,612,676$3,234,707$2,904,374$4,107,350
59$5,055,848$3,365,887$2,974,350$4,394,132
60$5,543,362$3,502,633$3,045,808$4,705,342
61$6,079,716$3,645,193$3,118,773$5,043,286
62$6,669,861$3,793,822$3,193,267$5,410,498
63$7,319,257$3,948,789$3,269,312$5,809,761
64$8,033,917$4,110,376$3,346,930$6,244,134
65$8,820,468$4,278,875$3,426,143$6,716,980
66$9,686,210$4,454,595$3,506,973$7,231,996
67$10,639,188$4,637,855$3,589,441$7,793,246
68$11,688,268$4,828,992$3,673,570$8,405,199
69$12,843,215$5,028,356$3,759,379$9,072,770
70$14,114,794$5,236,317$3,846,888$9,801,364
71$15,514,863$5,453,256$3,936,119$10,596,926
72$17,056,491$5,679,578$4,027,091$11,465,998
73$18,754,076$5,915,700$4,119,822$12,415,775
74$20,623,487$6,162,065$4,214,331$13,454,173
75$22,682,207$6,419,131$4,310,636$14,589,903
76$24,949,504$6,687,379$4,408,753$15,832,550
77$27,446,606$6,967,314$4,508,700$17,192,665
78$30,196,909$7,259,461$4,610,490$18,681,857
79$33,226,191$7,564,372$4,714,139$20,312,904
80$36,562,860$7,882,623$4,819,660$22,099,872
81$40,238,218$8,214,819$4,927,065$24,058,244
82$44,286,760$8,561,589$5,036,365$26,205,065
83$48,746,497$8,923,594$5,147,571$28,559,099
84$53,659,316$9,301,526$5,260,691$31,141,004
85$59,071,373$9,696,108$5,375,731$33,973,527
86$65,033,533$10,108,097$5,492,698$37,081,711
87$71,601,844$10,538,285$5,611,594$40,493,134
88$78,838,073$10,987,501$5,732,423$44,238,162
89$86,810,281$11,456,614$5,855,184$48,350,234
90$95,593,473$11,946,531$5,979,876$52,866,175
91$105,270,299$12,458,202$6,106,493$57,826,541
92$115,931,839$12,992,624$6,235,031$63,275,993
93$127,678,462$13,550,838$6,365,479$69,263,723
94$140,620,770$14,133,934$6,497,828$75,843,907
95$154,880,645$14,743,053$6,632,061$83,076,219
96$170,592,398$15,379,390$6,768,163$91,026,382
97$187,904,040$16,044,197$6,906,114$99,766,793
98$206,978,672$16,738,783$7,045,888$109,377,194
99$227,996,032$17,464,519$7,187,461$119,945,424
100$251,154,186$18,222,840$7,330,801$131,568,243