Can I retire at age 52 with 2,490,000?

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 $2,490,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.1%
1 years$205,622$203,790$202,003$200,259$198,556$196,810
2 years$101,793$99,897$98,060$96,278$94,551$92,791
3 years$67,188$65,284$63,451$61,687$59,987$58,269
4 years$49,889$47,991$46,176$44,442$42,783$41,119
5 years$39,512$37,625$35,835$34,135$32,523$30,918
6 years$32,596$30,724$28,960$27,298$25,734$24,191
7 years$27,659$25,802$24,066$22,444$20,929$19,447
8 years$23,957$22,117$20,410$18,827$17,363$15,943
9 years$21,079$19,257$17,579$16,037$14,622$13,264
10 years$18,779$16,974$15,326$13,824$12,458$11,161
11 years$16,898$15,111$13,492$12,031$10,715$9,477
12 years$15,331$13,563$11,974$10,553$9,285$8,106
13 years$14,007$12,257$10,698$9,316$8,097$6,975
14 years$12,872$11,141$9,612$8,270$7,098$6,031
15 years$11,890$10,178$8,679$7,375$6,249$5,237
16 years$11,032$9,338$7,868$6,604$5,523$4,563
17 years$10,275$8,600$7,160$5,934$4,897$3,988
18 years$9,603$7,946$6,536$5,347$4,354$3,495
19 years$9,002$7,365$5,984$4,832$3,881$3,069
20 years$8,463$6,844$5,491$4,376$3,467$2,700
21 years$7,975$6,375$5,051$3,972$3,102$2,379
22 years$7,532$5,950$4,655$3,611$2,781$2,100
23 years$7,129$5,565$4,298$3,289$2,496$1,856
24 years$6,759$5,214$3,975$2,999$2,244$1,642
25 years$6,420$4,893$3,682$2,739$2,019$1,454
26 years$6,107$4,599$3,415$2,505$1,819$1,288
27 years$5,818$4,328$3,171$2,293$1,640$1,142
28 years$5,550$4,078$2,948$2,100$1,479$1,014
29 years$5,301$3,848$2,743$1,926$1,336$900
30 years$5,069$3,634$2,555$1,768$1,207$800
31 years$4,852$3,435$2,382$1,624$1,091$711
32 years$4,649$3,250$2,223$1,492$987$632
33 years$4,459$3,078$2,075$1,372$893$562
34 years$4,281$2,917$1,939$1,262$809$500
35 years$4,113$2,767$1,813$1,162$733$445
36 years$3,955$2,626$1,696$1,070$664$396
37 years$3,805$2,494$1,587$986$602$353
38 years$3,664$2,370$1,486$909$545$314
39 years$3,531$2,254$1,393$838$495$280
40 years$3,404$2,145$1,305$773$449$250
41 years$3,284$2,041$1,224$713$407$222
42 years$3,170$1,944$1,148$658$369$198
43 years$3,062$1,852$1,077$608$335$177
44 years$2,958$1,766$1,011$561$304$157
45 years$2,860$1,684$950$518$276$140
46 years$2,766$1,606$892$479$251$125
47 years$2,677$1,533$838$442$228$112
48 years$2,591$1,463$787$409$207$99
49 years$2,509$1,397$740$378$188$89
50 years$2,431$1,335$696$349$171$79

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,490,000, adding $4,253 every year, while hoping to spend $36,977 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: 65/16/19 Blend
51$2,490,000$2,490,000$2,490,000$2,490,000
52$2,748,367$2,616,397$2,577,802$2,913,628
53$2,989,357$2,705,257$2,624,815$3,113,916
54$3,253,689$2,797,232$2,672,164$3,328,091
55$3,543,704$2,892,436$2,719,820$3,561,269
56$3,861,983$2,990,986$2,767,755$3,815,312
57$4,211,365$3,093,004$2,815,935$4,092,268
58$4,594,982$3,198,619$2,864,326$4,394,394
59$5,016,280$3,307,961$2,912,891$4,724,175
60$5,479,058$3,421,169$2,961,590$5,084,346
61$5,987,500$3,538,383$3,010,381$5,477,921
62$6,546,214$3,659,753$3,059,218$5,908,216
63$7,160,278$3,785,432$3,108,053$6,378,886
64$7,835,288$3,915,579$3,156,834$6,893,954
65$8,577,405$4,050,360$3,205,505$7,457,852
66$9,393,420$4,189,948$3,254,009$8,075,461
67$10,290,814$4,334,520$3,302,284$8,752,158
68$11,277,828$4,484,264$3,350,262$9,493,865
69$12,363,545$4,639,371$3,397,874$10,307,105
70$13,557,970$4,800,043$3,445,046$11,199,066
71$14,872,126$4,966,488$3,491,698$12,177,662
72$16,318,160$5,138,923$3,537,747$13,251,614
73$17,909,455$5,317,574$3,583,105$14,430,530
74$19,660,759$5,502,673$3,627,678$15,724,994
75$21,588,318$5,694,466$3,671,366$17,146,665
76$23,710,036$5,893,205$3,714,067$18,708,391
77$26,045,640$6,099,152$3,755,669$20,424,323
78$28,616,867$6,312,583$3,796,056$22,310,056
79$31,447,669$6,533,780$3,835,104$24,382,769
80$34,564,436$6,763,041$3,872,686$26,661,392
81$37,996,251$7,000,671$3,908,662$29,166,779
82$41,775,157$7,246,993$3,942,891$31,921,912
83$45,936,465$7,502,338$3,975,220$34,952,107
84$50,519,084$7,767,052$4,005,490$38,285,264
85$55,565,889$8,041,496$4,033,532$41,952,120
86$61,124,124$8,326,044$4,059,170$45,986,547
87$67,245,851$8,621,087$4,082,219$50,425,863
88$73,988,437$8,927,029$4,102,482$55,311,192
89$81,415,097$9,244,292$4,119,754$60,687,845
90$89,595,491$9,573,317$4,133,820$66,605,752
91$98,606,381$9,914,559$4,144,453$73,119,928
92$108,532,354$10,268,495$4,151,415$80,290,999
93$119,466,623$10,635,620$4,154,456$88,185,766
94$131,511,902$11,016,449$4,153,314$96,877,838
95$144,781,380$11,411,519$4,147,713$106,448,329
96$159,399,785$11,821,387$4,137,366$116,986,621
97$175,504,564$12,246,637$4,121,969$128,591,203
98$193,247,181$12,687,873$4,101,206$141,370,610
99$212,794,540$13,145,725$4,074,743$155,444,435
100$234,330,568$13,620,851$4,042,233$170,944,469