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%13.9%
1 years$202,319$200,517$198,758$197,042$195,366$192,209
2 years$100,158$98,292$96,485$94,732$93,032$89,859
3 years$66,109$64,235$62,432$60,696$59,023$55,935
4 years$49,087$47,220$45,434$43,728$42,096$39,115
5 years$38,877$37,021$35,259$33,587$32,001$29,136
6 years$32,073$30,230$28,495$26,860$25,321$22,576
7 years$27,214$25,387$23,679$22,083$20,593$17,968
8 years$23,572$21,762$20,082$18,525$17,084$14,579
9 years$20,741$18,947$17,296$15,779$14,387$12,000
10 years$18,477$16,701$15,079$13,602$12,258$9,988
11 years$16,626$14,868$13,276$11,838$10,543$8,387
12 years$15,085$13,345$11,782$10,383$9,136$7,092
13 years$13,782$12,060$10,526$9,167$7,967$6,031
14 years$12,666$10,962$9,458$8,137$6,984$5,153
15 years$11,699$10,014$8,539$7,257$6,149$4,420
16 years$10,854$9,188$7,742$6,498$5,434$3,804
17 years$10,110$8,462$7,045$5,838$4,819$3,283
18 years$9,449$7,819$6,431$5,261$4,284$2,839
19 years$8,858$7,246$5,887$4,754$3,819$2,461
20 years$8,327$6,734$5,403$4,306$3,411$2,137
21 years$7,847$6,272$4,970$3,908$3,052$1,858
22 years$7,411$5,855$4,580$3,553$2,736$1,617
23 years$7,014$5,476$4,229$3,236$2,456$1,410
24 years$6,650$5,131$3,911$2,951$2,208$1,230
25 years$6,316$4,815$3,623$2,695$1,987$1,074
26 years$6,009$4,525$3,360$2,464$1,789$938
27 years$5,724$4,259$3,120$2,256$1,613$820
28 years$5,461$4,013$2,900$2,067$1,456$717
29 years$5,215$3,786$2,699$1,895$1,314$628
30 years$4,987$3,575$2,514$1,739$1,188$549
31 years$4,774$3,380$2,344$1,597$1,074$481
32 years$4,575$3,198$2,187$1,468$971$422
33 years$4,388$3,029$2,042$1,350$879$369
34 years$4,212$2,870$1,908$1,242$796$324
35 years$4,047$2,722$1,784$1,143$721$284
36 years$3,891$2,584$1,669$1,053$653$249
37 years$3,744$2,454$1,562$970$592$218
38 years$3,605$2,332$1,462$894$537$191
39 years$3,474$2,218$1,370$825$487$168
40 years$3,350$2,110$1,284$761$441$147
41 years$3,231$2,009$1,204$702$400$129
42 years$3,119$1,913$1,130$648$363$113
43 years$3,013$1,823$1,060$598$330$100
44 years$2,911$1,737$995$552$299$87
45 years$2,814$1,657$934$510$272$77
46 years$2,722$1,580$877$471$247$67
47 years$2,634$1,508$824$435$224$59
48 years$2,550$1,440$775$402$203$52
49 years$2,469$1,375$728$372$185$45
50 years$2,392$1,313$685$343$168$40

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 $2,144 every year, while hoping to spend $51,176 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: 80/7/13 Blend
51$2,450,000$2,450,000$2,450,000$2,450,000
52$2,702,112$2,572,262$2,534,287$2,911,359
53$2,923,276$2,643,851$2,564,734$3,120,750
54$3,165,284$2,717,234$2,594,487$3,343,644
55$3,430,208$2,792,443$2,623,467$3,586,775
56$3,720,329$2,869,513$2,651,593$3,852,147
57$4,038,160$2,948,476$2,678,778$4,141,965
58$4,386,467$3,029,367$2,704,933$4,458,661
59$4,768,300$3,112,219$2,729,961$4,804,910
60$5,187,013$3,197,064$2,753,761$5,183,660
61$5,646,304$3,283,936$2,776,228$5,598,159
62$6,150,244$3,372,866$2,797,249$6,051,983
63$6,703,319$3,463,886$2,816,706$6,549,075
64$7,310,468$3,557,028$2,834,477$7,093,774
65$7,977,135$3,652,320$2,850,430$7,690,863
66$8,709,312$3,749,794$2,864,430$8,345,612
67$9,513,605$3,849,477$2,876,331$9,063,824
68$10,397,288$3,951,396$2,885,983$9,851,897
69$11,368,375$4,055,579$2,893,228$10,716,875
70$12,435,696$4,162,049$2,897,898$11,666,522
71$13,608,978$4,270,830$2,899,818$12,709,393
72$14,898,937$4,381,944$2,898,805$13,854,912
73$16,317,380$4,495,411$2,894,666$15,113,463
74$17,877,315$4,611,248$2,887,200$16,496,490
75$19,593,073$4,729,471$2,876,193$18,016,598
76$21,480,445$4,850,094$2,861,424$19,687,682
77$23,556,829$4,973,127$2,842,660$21,525,048
78$25,841,393$5,098,578$2,819,657$23,545,564
79$28,355,259$5,226,452$2,792,160$25,767,816
80$31,121,697$5,356,750$2,759,899$28,212,285
81$34,166,350$5,489,470$2,722,595$30,901,539
82$37,517,469$5,624,606$2,679,953$33,860,445
83$41,206,187$5,762,147$2,631,667$37,116,407
84$45,266,804$5,902,079$2,577,415$40,699,623
85$49,737,119$6,044,381$2,516,859$44,643,366
86$54,658,778$6,189,029$2,449,647$48,984,306
87$60,077,674$6,335,991$2,375,410$53,762,848
88$66,044,373$6,485,232$2,293,763$59,023,519
89$72,614,597$6,636,706$2,204,302$64,815,386
90$79,849,746$6,790,364$2,106,606$71,192,518
91$87,817,476$6,946,148$2,000,233$78,214,500
92$96,592,341$7,103,992$1,884,723$85,946,990
93$106,256,493$7,263,820$1,759,594$94,462,345
94$116,900,458$7,425,550$1,624,344$103,840,299
95$128,623,990$7,589,088$1,478,444$114,168,718
96$141,537,012$7,754,329$1,321,348$125,544,429
97$155,760,654$7,921,157$1,152,480$138,074,136
98$171,428,394$8,089,447$971,241$151,875,422
99$188,687,318$8,259,058$777,006$167,077,867
100$207,699,509$8,429,837$569,120$183,824,263