Can I retire at age 52 with 2,450,000?

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 $2,450,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.6%
1 years$202,319$200,517$198,758$197,042$195,366$193,246
2 years$100,158$98,292$96,485$94,732$93,032$90,896
3 years$66,109$64,235$62,432$60,696$59,023$56,940
4 years$49,087$47,220$45,434$43,728$42,096$40,080
5 years$38,877$37,021$35,259$33,587$32,001$30,058
6 years$32,073$30,230$28,495$26,860$25,321$23,455
7 years$27,214$25,387$23,679$22,083$20,593$18,803
8 years$23,572$21,762$20,082$18,525$17,084$15,371
9 years$20,741$18,947$17,296$15,779$14,387$12,750
10 years$18,477$16,701$15,079$13,602$12,258$10,697
11 years$16,626$14,868$13,276$11,838$10,543$9,055
12 years$15,085$13,345$11,782$10,383$9,136$7,720
13 years$13,782$12,060$10,526$9,167$7,967$6,621
14 years$12,666$10,962$9,458$8,137$6,984$5,707
15 years$11,699$10,014$8,539$7,257$6,149$4,939
16 years$10,854$9,188$7,742$6,498$5,434$4,289
17 years$10,110$8,462$7,045$5,838$4,819$3,735
18 years$9,449$7,819$6,431$5,261$4,284$3,261
19 years$8,858$7,246$5,887$4,754$3,819$2,854
20 years$8,327$6,734$5,403$4,306$3,411$2,501
21 years$7,847$6,272$4,970$3,908$3,052$2,196
22 years$7,411$5,855$4,580$3,553$2,736$1,931
23 years$7,014$5,476$4,229$3,236$2,456$1,700
24 years$6,650$5,131$3,911$2,951$2,208$1,498
25 years$6,316$4,815$3,623$2,695$1,987$1,321
26 years$6,009$4,525$3,360$2,464$1,789$1,166
27 years$5,724$4,259$3,120$2,256$1,613$1,030
28 years$5,461$4,013$2,900$2,067$1,456$911
29 years$5,215$3,786$2,699$1,895$1,314$805
30 years$4,987$3,575$2,514$1,739$1,188$713
31 years$4,774$3,380$2,344$1,597$1,074$631
32 years$4,575$3,198$2,187$1,468$971$559
33 years$4,388$3,029$2,042$1,350$879$495
34 years$4,212$2,870$1,908$1,242$796$438
35 years$4,047$2,722$1,784$1,143$721$389
36 years$3,891$2,584$1,669$1,053$653$345
37 years$3,744$2,454$1,562$970$592$305
38 years$3,605$2,332$1,462$894$537$271
39 years$3,474$2,218$1,370$825$487$240
40 years$3,350$2,110$1,284$761$441$213
41 years$3,231$2,009$1,204$702$400$189
42 years$3,119$1,913$1,130$648$363$168
43 years$3,013$1,823$1,060$598$330$149
44 years$2,911$1,737$995$552$299$132
45 years$2,814$1,657$934$510$272$117
46 years$2,722$1,580$877$471$247$104
47 years$2,634$1,508$824$435$224$92
48 years$2,550$1,440$775$402$203$82
49 years$2,469$1,375$728$372$185$73
50 years$2,392$1,313$685$343$168$65

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,450,000, adding $2,775 every year, while hoping to spend $25,057 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: 41/32/27 Blend
51$2,450,000$2,450,000$2,450,000$2,450,000
52$2,702,762$2,572,912$2,534,937$2,792,008
53$2,951,784$2,672,325$2,593,197$2,956,114
54$3,225,365$2,775,768$2,652,569$3,131,071
55$3,525,986$2,883,414$2,713,064$3,319,970
56$3,856,377$2,995,442$2,774,691$3,524,109
57$4,219,545$3,112,037$2,837,462$3,744,911
58$4,618,807$3,233,394$2,901,384$3,983,943
59$5,057,812$3,359,717$2,966,467$4,242,925
60$5,540,584$3,491,218$3,032,719$4,523,748
61$6,071,555$3,628,120$3,100,147$4,828,492
62$6,655,609$3,770,653$3,168,758$5,159,442
63$7,298,127$3,919,061$3,238,557$5,519,112
64$8,005,036$4,073,595$3,309,548$5,910,268
65$8,782,868$4,234,520$3,381,737$6,335,950
66$9,638,822$4,402,112$3,455,126$6,799,504
67$10,580,825$4,576,659$3,529,716$7,304,610
68$11,617,616$4,758,463$3,605,509$7,855,317
69$12,758,823$4,947,837$3,682,504$8,456,080
70$14,015,054$5,145,112$3,760,698$9,111,803
71$15,397,997$5,350,630$3,840,089$9,827,881
72$16,920,533$5,564,751$3,920,672$10,610,253
73$18,596,853$5,787,850$4,002,441$11,465,456
74$20,442,597$6,020,320$4,085,387$12,400,685
75$22,474,996$6,262,569$4,169,502$13,423,860
76$24,713,038$6,515,027$4,254,772$14,543,703
77$27,177,646$6,778,142$4,341,186$15,769,812
78$29,891,877$7,052,382$4,428,726$17,112,757
79$32,881,135$7,338,236$4,517,376$18,584,178
80$36,173,417$7,636,216$4,607,114$20,196,889
81$39,799,572$7,946,856$4,697,918$21,965,002
82$43,793,593$8,270,717$4,789,763$23,904,056
83$48,192,940$8,608,382$4,882,621$26,031,165
84$53,038,891$8,960,464$4,976,459$28,365,176
85$58,376,932$9,327,601$5,071,245$30,926,846
86$64,257,188$9,710,462$5,166,941$33,739,037
87$70,734,893$10,109,747$5,263,505$36,826,926
88$77,870,913$10,526,186$5,360,894$40,218,249
89$85,732,321$10,960,543$5,459,058$43,943,554
90$94,393,027$11,413,620$5,557,946$48,036,488
91$103,934,480$11,886,251$5,657,502$52,534,116
92$114,446,432$12,379,312$5,757,663$57,477,268
93$126,027,788$12,893,719$5,858,365$62,910,920
94$138,787,538$13,430,427$5,959,536$68,884,617
95$152,845,788$13,990,439$6,061,102$75,452,942
96$168,334,891$14,574,802$6,162,980$82,676,021
97$185,400,694$15,184,613$6,265,085$90,620,097
98$204,203,923$15,821,016$6,367,323$99,358,148
99$224,921,690$16,485,213$6,469,595$108,970,571
100$247,749,172$17,178,458$6,571,796$119,545,944