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

Use the below retirement simulation to view the chances of a successful retirement.
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 $5,768 every year, while hoping to spend $36,839 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: 71/23/6 Blend
51$2,450,000$2,450,000$2,450,000$2,450,000
52$2,705,850$2,576,000$2,538,025$2,895,495
53$2,942,650$2,663,027$2,583,852$3,108,481
54$3,202,369$2,753,085$2,629,980$3,336,384
55$3,487,306$2,846,281$2,676,380$3,584,797
56$3,799,993$2,942,730$2,723,020$3,855,724
57$4,143,219$3,042,551$2,769,868$4,151,376
58$4,520,056$3,145,864$2,816,887$4,474,183
59$4,933,889$3,252,799$2,864,040$4,826,821
60$5,388,445$3,363,486$2,911,285$5,212,238
61$5,887,832$3,478,062$2,958,579$5,633,676
62$6,436,574$3,596,671$3,005,874$6,094,708
63$7,039,656$3,719,459$3,053,122$6,599,266
64$7,702,568$3,846,580$3,100,269$7,151,680
65$8,431,361$3,978,193$3,147,259$7,756,719
66$9,232,700$4,114,464$3,194,032$8,419,635
67$10,113,926$4,255,564$3,240,524$9,146,209
68$11,083,133$4,401,672$3,286,667$9,942,811
69$12,149,232$4,552,974$3,332,390$10,816,457
70$13,322,045$4,709,661$3,377,616$11,774,871
71$14,612,393$4,871,934$3,422,266$12,826,565
72$16,032,199$5,040,001$3,466,254$13,980,912
73$17,594,600$5,214,077$3,509,490$15,248,237
74$19,314,069$5,394,387$3,551,878$16,639,913
75$21,206,556$5,581,164$3,593,318$18,168,469
76$23,289,635$5,774,651$3,633,704$19,847,707
77$25,582,667$5,975,099$3,672,922$21,692,832
78$28,106,990$6,182,769$3,710,856$23,720,592
79$30,886,113$6,397,934$3,747,379$25,949,441
80$33,945,940$6,620,878$3,782,361$28,399,707
81$37,315,018$6,851,892$3,815,662$31,093,787
82$41,024,800$7,091,285$3,847,136$34,056,356
83$45,109,944$7,339,372$3,876,630$37,314,600
84$49,608,642$7,596,485$3,903,981$40,898,469
85$54,562,978$7,862,967$3,929,018$44,840,964
86$60,019,325$8,139,176$3,951,564$49,178,444
87$66,028,784$8,425,484$3,971,429$53,950,968
88$72,647,663$8,722,276$3,988,416$59,202,676
89$79,938,013$9,029,955$4,002,315$64,982,200
90$87,968,207$9,348,940$4,012,910$71,343,126
91$96,813,591$9,679,665$4,019,969$78,344,497
92$106,557,192$10,022,583$4,023,253$86,051,368
93$117,290,502$10,378,166$4,022,508$94,535,424
94$129,114,340$10,746,903$4,017,469$103,875,651
95$142,139,806$11,129,305$4,007,858$114,159,080
96$156,489,328$11,525,903$3,993,383$125,481,611
97$172,297,816$11,937,248$3,973,738$137,948,917
98$189,713,937$12,363,917$3,948,601$151,677,436
99$208,901,516$12,806,507$3,917,638$166,795,473
100$230,041,087$13,265,642$3,880,495$183,444,409