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%11.6%
1 years$200,667$198,880$197,136$195,434$193,772$192,470
2 years$99,340$97,490$95,697$93,958$92,272$90,959
3 years$65,569$63,711$61,922$60,200$58,541$57,258
4 years$48,687$46,834$45,064$43,371$41,752$40,508
5 years$38,560$36,719$34,971$33,313$31,739$30,538
6 years$31,811$29,983$28,262$26,641$25,114$23,958
7 years$26,992$25,180$23,486$21,903$20,425$19,314
8 years$23,380$21,584$19,918$18,374$16,944$15,878
9 years$20,571$18,793$17,155$15,650$14,269$13,249
10 years$18,326$16,565$14,956$13,491$12,158$11,182
11 years$16,490$14,747$13,167$11,741$10,457$9,524
12 years$14,962$13,236$11,686$10,298$9,061$8,171
13 years$13,669$11,961$10,440$9,092$7,902$7,054
14 years$12,562$10,873$9,381$8,071$6,927$6,120
15 years$11,604$9,932$8,469$7,198$6,099$5,332
16 years$10,766$9,113$7,679$6,445$5,390$4,662
17 years$10,027$8,392$6,987$5,791$4,779$4,088
18 years$9,372$7,755$6,379$5,218$4,249$3,595
19 years$8,786$7,187$5,839$4,715$3,788$3,168
20 years$8,259$6,679$5,359$4,271$3,383$2,798
21 years$7,783$6,221$4,929$3,876$3,028$2,475
22 years$7,351$5,807$4,543$3,524$2,714$2,192
23 years$6,957$5,431$4,195$3,209$2,436$1,945
24 years$6,596$5,089$3,879$2,927$2,190$1,727
25 years$6,265$4,775$3,593$2,673$1,970$1,535
26 years$5,960$4,488$3,332$2,444$1,775$1,366
27 years$5,677$4,224$3,094$2,237$1,600$1,216
28 years$5,416$3,980$2,877$2,050$1,444$1,083
29 years$5,173$3,755$2,677$1,880$1,304$966
30 years$4,946$3,546$2,494$1,725$1,178$862
31 years$4,735$3,352$2,325$1,584$1,065$769
32 years$4,537$3,172$2,169$1,456$963$687
33 years$4,352$3,004$2,025$1,339$872$613
34 years$4,178$2,847$1,892$1,232$789$548
35 years$4,014$2,700$1,769$1,134$715$490
36 years$3,859$2,563$1,655$1,045$648$438
37 years$3,714$2,434$1,549$962$587$392
38 years$3,576$2,313$1,451$887$532$350
39 years$3,446$2,200$1,359$818$483$313
40 years$3,322$2,093$1,274$754$438$280
41 years$3,205$1,992$1,194$696$397$251
42 years$3,094$1,897$1,120$642$360$225
43 years$2,988$1,808$1,051$593$327$201
44 years$2,887$1,723$987$548$297$180
45 years$2,791$1,643$927$506$270$161
46 years$2,700$1,568$870$467$245$144
47 years$2,612$1,496$818$432$222$129
48 years$2,529$1,428$768$399$202$116
49 years$2,449$1,364$722$369$183$104
50 years$2,373$1,303$679$341$166$93

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 $3,349 every year, while hoping to spend $27,684 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: 66/18/16 Blend
51$2,430,000$2,430,000$2,430,000$2,430,000
52$2,681,314$2,552,524$2,514,859$2,847,717
53$2,925,353$2,648,143$2,569,652$3,055,008
54$3,193,356$2,747,518$2,625,352$3,277,982
55$3,487,737$2,850,806$2,681,960$3,521,034
56$3,811,159$2,958,168$2,739,478$3,786,128
57$4,166,551$3,069,772$2,797,905$4,075,430
58$4,557,143$3,185,794$2,857,238$4,391,319
59$4,986,491$3,306,418$2,917,476$4,736,418
60$5,458,516$3,431,835$2,978,614$5,113,613
61$5,977,534$3,562,245$3,040,647$5,526,081
62$6,548,303$3,697,856$3,103,569$5,977,321
63$7,176,064$3,838,884$3,167,373$6,471,183
64$7,866,591$3,985,558$3,232,048$7,011,911
65$8,626,247$4,138,114$3,297,585$7,604,173
66$9,462,042$4,296,799$3,363,972$8,253,113
67$10,381,699$4,461,871$3,431,194$8,964,396
68$11,393,729$4,633,599$3,499,235$9,744,259
69$12,507,508$4,812,265$3,568,079$10,599,573
70$13,733,369$4,998,161$3,637,704$11,537,905
71$15,082,695$5,191,594$3,708,090$12,567,588
72$16,568,032$5,392,883$3,779,213$13,697,803
73$18,203,200$5,602,363$3,851,045$14,938,662
74$20,003,430$5,820,382$3,923,559$16,301,303
75$21,985,504$6,047,305$3,996,722$17,797,996
76$24,167,913$6,283,511$4,070,500$19,442,256
77$26,571,035$6,529,398$4,144,857$21,248,973
78$29,217,322$6,785,380$4,219,751$23,234,549
79$32,131,516$7,051,891$4,295,139$25,417,053
80$35,340,879$7,329,382$4,370,975$27,816,393
81$38,875,454$7,618,327$4,447,208$30,454,499
82$42,768,344$7,919,219$4,523,783$33,355,533
83$47,056,028$8,232,573$4,600,643$36,546,114
84$51,778,703$8,558,930$4,677,725$40,055,571
85$56,980,665$8,898,851$4,754,963$43,916,215
86$62,710,723$9,252,926$4,832,285$48,163,648
87$69,022,666$9,621,767$4,909,615$52,837,092
88$75,975,763$10,006,019$4,986,872$57,979,765
89$83,635,328$10,406,352$5,063,970$63,639,284
90$92,073,336$10,823,467$5,140,817$69,868,114
91$101,369,097$11,258,098$5,217,315$76,724,062
92$111,610,011$11,711,011$5,293,361$84,270,823
93$122,892,388$12,183,006$5,368,845$92,578,579
94$135,322,359$12,674,921$5,443,649$101,724,660
95$149,016,878$13,187,631$5,517,649$111,794,274
96$164,104,825$13,722,050$5,590,716$122,881,309
97$180,728,221$14,279,134$5,662,709$135,089,218
98$199,043,572$14,859,884$5,733,482$148,531,995
99$219,223,342$15,465,345$5,802,880$163,335,250
100$241,457,585$16,096,609$5,870,738$179,637,391