Can I retire at age 52 with 2,480,000?

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 $2,480,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.3%
1 years$204,796$202,972$201,192$199,455$197,759$190,364
2 years$101,384$99,496$97,666$95,892$94,171$86,805
3 years$66,918$65,022$63,196$61,439$59,746$52,641
4 years$49,688$47,798$45,991$44,263$42,611$35,822
5 years$39,353$37,474$35,691$33,998$32,392$25,936
6 years$32,465$30,600$28,843$27,189$25,631$19,512
7 years$27,548$25,698$23,969$22,353$20,845$15,061
8 years$23,861$22,028$20,328$18,752$17,293$11,839
9 years$20,995$19,179$17,508$15,972$14,563$9,432
10 years$18,703$16,906$15,264$13,768$12,408$7,591
11 years$16,830$15,050$13,438$11,983$10,672$6,157
12 years$15,270$13,508$11,926$10,510$9,248$5,025
13 years$13,950$12,207$10,655$9,279$8,064$4,121
14 years$12,821$11,096$9,574$8,237$7,069$3,393
15 years$11,842$10,137$8,644$7,346$6,224$2,802
16 years$10,987$9,300$7,837$6,577$5,501$2,320
17 years$10,234$8,565$7,131$5,910$4,878$1,925
18 years$9,564$7,915$6,510$5,326$4,337$1,600
19 years$8,966$7,335$5,959$4,812$3,866$1,332
20 years$8,429$6,816$5,469$4,359$3,453$1,110
21 years$7,943$6,349$5,031$3,956$3,090$926
22 years$7,502$5,927$4,637$3,597$2,770$773
23 years$7,100$5,543$4,281$3,275$2,486$646
24 years$6,732$5,193$3,959$2,987$2,235$540
25 years$6,394$4,874$3,667$2,728$2,011$451
26 years$6,082$4,581$3,401$2,495$1,811$378
27 years$5,794$4,311$3,158$2,283$1,633$316
28 years$5,527$4,062$2,936$2,092$1,474$264
29 years$5,279$3,832$2,732$1,918$1,331$221
30 years$5,048$3,619$2,545$1,761$1,202$185
31 years$4,832$3,421$2,373$1,617$1,087$155
32 years$4,631$3,237$2,214$1,486$983$130
33 years$4,441$3,066$2,067$1,367$890$109
34 years$4,264$2,905$1,931$1,257$806$91
35 years$4,096$2,756$1,805$1,157$730$76
36 years$3,939$2,616$1,689$1,066$661$64
37 years$3,790$2,484$1,581$982$599$54
38 years$3,650$2,361$1,480$905$543$45
39 years$3,517$2,245$1,387$835$493$38
40 years$3,391$2,136$1,300$770$447$32
41 years$3,271$2,033$1,219$710$405$26
42 years$3,157$1,936$1,143$656$368$22
43 years$3,049$1,845$1,073$605$334$19
44 years$2,947$1,759$1,007$559$303$16
45 years$2,849$1,677$946$516$275$13
46 years$2,755$1,600$888$477$250$11
47 years$2,666$1,527$834$440$227$9
48 years$2,581$1,457$784$407$206$8
49 years$2,499$1,392$737$376$187$6
50 years$2,421$1,330$693$348$170$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,480,000, adding $3,843 every year, while hoping to spend $55,070 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: 56/24/20 Blend
51$2,480,000$2,480,000$2,480,000$2,480,000
52$2,736,924$2,605,484$2,567,044$2,875,276
53$2,957,496$2,674,559$2,594,446$3,039,178
54$3,198,721$2,745,172$2,620,920$3,211,432
55$3,462,647$2,817,342$2,646,377$3,397,881
56$3,751,530$2,891,084$2,670,724$3,599,902
57$4,067,852$2,966,414$2,693,860$3,819,012
58$4,414,351$3,043,346$2,715,681$4,056,880
59$4,794,037$3,121,892$2,736,079$4,315,345
60$5,210,227$3,202,064$2,754,936$4,596,435
61$5,666,576$3,283,871$2,772,132$4,902,380
62$6,167,107$3,367,320$2,787,539$5,235,640
63$6,716,252$3,452,419$2,801,022$5,598,925
64$7,318,893$3,539,171$2,812,439$5,995,217
65$7,980,407$3,627,578$2,821,643$6,427,807
66$8,706,718$3,717,638$2,828,477$6,900,317
67$9,504,351$3,809,350$2,832,778$7,416,738
68$10,380,492$3,902,705$2,834,374$7,981,471
69$11,343,061$3,997,697$2,833,084$8,599,362
70$12,400,780$4,094,311$2,828,720$9,275,753
71$13,563,260$4,192,532$2,821,082$10,016,528
72$14,841,087$4,292,341$2,809,963$10,828,174
73$16,245,925$4,393,713$2,795,144$11,717,837
74$17,790,625$4,496,620$2,776,396$12,693,395
75$19,489,344$4,601,030$2,753,481$13,763,525
76$21,357,680$4,706,904$2,726,146$14,937,794
77$23,412,820$4,814,199$2,694,129$16,226,741
78$25,673,700$4,922,866$2,657,153$17,641,984
79$28,161,181$5,032,850$2,614,932$19,196,323
80$30,898,251$5,144,090$2,567,162$20,903,868
81$33,910,238$5,256,516$2,513,528$22,780,166
82$37,225,050$5,370,052$2,453,698$24,842,353
83$40,873,435$5,484,615$2,387,327$27,109,310
84$44,889,276$5,600,111$2,314,053$29,601,851
85$49,309,905$5,716,440$2,233,497$32,342,911
86$54,176,459$5,833,489$2,145,262$35,357,765
87$59,534,265$5,951,137$2,048,936$38,674,271
88$65,433,269$6,069,252$1,944,084$42,323,128
89$71,928,506$6,187,689$1,830,255$46,338,172
90$79,080,621$6,306,293$1,706,976$50,756,689
91$86,956,437$6,424,894$1,573,752$55,619,773
92$95,629,588$6,543,308$1,430,067$60,972,714
93$105,181,214$6,661,338$1,275,382$66,865,422
94$115,700,723$6,778,770$1,109,133$73,352,906
95$127,286,641$6,895,373$930,733$80,495,785
96$140,047,531$7,010,899$739,566$88,360,870
97$154,103,029$7,125,083$534,990$97,021,789
98$169,584,963$7,237,637$316,338$106,559,687
99$186,638,602$7,348,254$82,908$117,063,991
100$205,424,025$7,456,604$0$128,633,256