Can I retire at age 52 with 2,460,000?

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 $2,460,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.7%
1 years$203,145$201,335$199,570$197,846$196,164$193,954
2 years$100,567$98,694$96,878$95,118$93,411$91,187
3 years$66,378$64,497$62,687$60,943$59,264$57,093
4 years$49,288$47,412$45,620$43,906$42,268$40,168
5 years$39,036$37,172$35,403$33,724$32,131$30,109
6 years$32,204$30,354$28,611$26,970$25,424$23,481
7 years$27,325$25,491$23,776$22,173$20,677$18,814
8 years$23,668$21,850$20,164$18,600$17,153$15,371
9 years$20,825$19,025$17,367$15,843$14,446$12,743
10 years$18,552$16,769$15,141$13,657$12,308$10,684
11 years$16,694$14,929$13,330$11,886$10,586$9,038
12 years$15,146$13,399$11,830$10,426$9,173$7,701
13 years$13,838$12,109$10,569$9,204$7,999$6,601
14 years$12,717$11,007$9,496$8,170$7,012$5,685
15 years$11,747$10,055$8,574$7,287$6,174$4,917
16 years$10,899$9,225$7,774$6,524$5,457$4,267
17 years$10,151$8,496$7,074$5,862$4,838$3,713
18 years$9,487$7,851$6,457$5,283$4,302$3,240
19 years$8,894$7,276$5,911$4,774$3,834$2,833
20 years$8,361$6,761$5,425$4,323$3,425$2,481
21 years$7,879$6,298$4,990$3,924$3,065$2,177
22 years$7,441$5,879$4,599$3,568$2,747$1,913
23 years$7,043$5,498$4,247$3,249$2,466$1,682
24 years$6,678$5,152$3,927$2,963$2,217$1,481
25 years$6,342$4,834$3,637$2,706$1,995$1,306
26 years$6,033$4,544$3,374$2,474$1,797$1,152
27 years$5,748$4,276$3,133$2,265$1,620$1,017
28 years$5,483$4,029$2,912$2,075$1,462$898
29 years$5,237$3,801$2,710$1,903$1,320$793
30 years$5,007$3,590$2,524$1,746$1,193$701
31 years$4,793$3,394$2,353$1,604$1,078$620
32 years$4,593$3,211$2,196$1,474$975$549
33 years$4,405$3,041$2,050$1,356$883$486
34 years$4,229$2,882$1,916$1,247$799$430
35 years$4,063$2,734$1,791$1,148$724$381
36 years$3,907$2,595$1,675$1,057$656$337
37 years$3,760$2,464$1,568$974$594$299
38 years$3,620$2,342$1,468$898$539$265
39 years$3,488$2,227$1,376$828$489$235
40 years$3,363$2,119$1,290$764$443$208
41 years$3,245$2,017$1,209$705$402$184
42 years$3,132$1,921$1,134$650$365$164
43 years$3,025$1,830$1,064$600$331$145
44 years$2,923$1,744$999$554$301$129
45 years$2,826$1,664$938$512$273$114
46 years$2,733$1,587$881$473$248$101
47 years$2,645$1,514$828$437$225$90
48 years$2,560$1,446$778$404$204$80
49 years$2,479$1,381$731$373$186$71
50 years$2,402$1,319$687$345$169$63

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,460,000, adding $6,007 every year, while hoping to spend $38,197 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: 40/41/19 Blend
51$2,460,000$2,460,000$2,460,000$2,460,000
52$2,717,116$2,586,736$2,548,606$2,810,275
53$2,953,621$2,672,845$2,593,343$2,963,495
54$3,212,969$2,761,893$2,638,299$3,125,028
55$3,497,449$2,853,984$2,683,440$3,298,987
56$3,809,585$2,949,225$2,728,731$3,486,524
57$4,152,153$3,047,727$2,774,134$3,688,904
58$4,528,215$3,149,608$2,819,609$3,907,516
59$4,941,139$3,254,985$2,865,112$4,143,891
60$5,394,640$3,363,984$2,910,598$4,399,709
61$5,892,807$3,476,733$2,956,017$4,676,819
62$6,440,147$3,593,366$3,001,317$4,977,254
63$7,041,622$3,714,022$3,046,442$5,303,253
64$7,702,703$3,838,844$3,091,333$5,657,274
65$8,429,413$3,967,982$3,135,927$6,042,027
66$9,228,390$4,101,590$3,180,158$6,460,489
67$10,106,947$4,239,829$3,223,954$6,915,941
68$11,073,140$4,382,865$3,267,241$7,411,991
69$12,135,847$4,530,872$3,309,940$7,952,610
70$13,304,847$4,684,028$3,351,967$8,542,170
71$14,590,916$4,842,520$3,393,232$9,185,484
72$16,005,927$5,006,541$3,433,643$9,887,850
73$17,562,961$5,176,291$3,473,099$10,655,102
74$19,276,432$5,351,978$3,511,497$11,493,661
75$21,162,221$5,533,819$3,548,726$12,410,600
76$23,237,829$5,722,037$3,584,669$13,413,707
77$25,522,535$5,916,864$3,619,203$14,511,556
78$28,037,587$6,118,544$3,652,200$15,713,592
79$30,806,395$6,327,326$3,683,522$17,030,215
80$33,854,753$6,543,471$3,713,026$18,472,880
81$37,211,086$6,767,250$3,740,561$20,054,203
82$40,906,715$6,998,943$3,765,968$21,788,079
83$44,976,151$7,238,842$3,789,078$23,689,814
84$49,457,423$7,487,250$3,809,717$25,776,267
85$54,392,436$7,744,482$3,827,699$28,066,010
86$59,827,368$8,010,864$3,842,830$30,579,500
87$65,813,099$8,286,736$3,854,905$33,339,271
88$72,405,701$8,572,452$3,863,709$36,370,149
89$79,666,957$8,868,377$3,869,018$39,699,483
90$87,664,951$9,174,892$3,870,595$43,357,400
91$96,474,708$9,492,393$3,868,192$47,377,095
92$106,178,900$9,821,292$3,861,548$51,795,134
93$116,868,628$10,162,016$3,850,390$56,651,805
94$128,644,282$10,515,009$3,834,432$61,991,496
95$141,616,487$10,880,732$3,813,374$67,863,110
96$155,907,147$11,259,667$3,786,901$74,320,527
97$171,650,597$11,652,311$3,754,682$81,423,113
98$188,994,867$12,059,184$3,716,374$89,236,274
99$208,103,084$12,480,825$3,671,613$97,832,077
100$229,155,008$12,917,794$3,620,021$107,289,929