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%17.4%
1 years$205,622$203,790$202,003$200,259$198,556$192,586
2 years$101,793$99,897$98,060$96,278$94,551$88,586
3 years$67,188$65,284$63,451$61,687$59,987$54,215
4 years$49,889$47,991$46,176$44,442$42,783$37,248
5 years$39,512$37,625$35,835$34,135$32,523$27,240
6 years$32,596$30,724$28,960$27,298$25,734$20,708
7 years$27,659$25,802$24,066$22,444$20,929$16,159
8 years$23,957$22,117$20,410$18,827$17,363$12,846
9 years$21,079$19,257$17,579$16,037$14,622$10,354
10 years$18,779$16,974$15,326$13,824$12,458$8,433
11 years$16,898$15,111$13,492$12,031$10,715$6,925
12 years$15,331$13,563$11,974$10,553$9,285$5,723
13 years$14,007$12,257$10,698$9,316$8,097$4,755
14 years$12,872$11,141$9,612$8,270$7,098$3,966
15 years$11,890$10,178$8,679$7,375$6,249$3,320
16 years$11,032$9,338$7,868$6,604$5,523$2,787
17 years$10,275$8,600$7,160$5,934$4,897$2,345
18 years$9,603$7,946$6,536$5,347$4,354$1,977
19 years$9,002$7,365$5,984$4,832$3,881$1,670
20 years$8,463$6,844$5,491$4,376$3,467$1,412
21 years$7,975$6,375$5,051$3,972$3,102$1,195
22 years$7,532$5,950$4,655$3,611$2,781$1,013
23 years$7,129$5,565$4,298$3,289$2,496$859
24 years$6,759$5,214$3,975$2,999$2,244$729
25 years$6,420$4,893$3,682$2,739$2,019$619
26 years$6,107$4,599$3,415$2,505$1,819$525
27 years$5,818$4,328$3,171$2,293$1,640$447
28 years$5,550$4,078$2,948$2,100$1,479$380
29 years$5,301$3,848$2,743$1,926$1,336$323
30 years$5,069$3,634$2,555$1,768$1,207$275
31 years$4,852$3,435$2,382$1,624$1,091$234
32 years$4,649$3,250$2,223$1,492$987$199
33 years$4,459$3,078$2,075$1,372$893$169
34 years$4,281$2,917$1,939$1,262$809$144
35 years$4,113$2,767$1,813$1,162$733$123
36 years$3,955$2,626$1,696$1,070$664$104
37 years$3,805$2,494$1,587$986$602$89
38 years$3,664$2,370$1,486$909$545$76
39 years$3,531$2,254$1,393$838$495$64
40 years$3,404$2,145$1,305$773$449$55
41 years$3,284$2,041$1,224$713$407$47
42 years$3,170$1,944$1,148$658$369$40
43 years$3,062$1,852$1,077$608$335$34
44 years$2,958$1,766$1,011$561$304$29
45 years$2,860$1,684$950$518$276$25
46 years$2,766$1,606$892$479$251$21
47 years$2,677$1,533$838$442$228$18
48 years$2,591$1,463$787$409$207$15
49 years$2,509$1,397$740$378$188$13
50 years$2,431$1,335$696$349$171$11

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 $2,855 every year, while hoping to spend $58,647 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: 50/39/11 Blend
51$2,490,000$2,490,000$2,490,000$2,490,000
52$2,746,925$2,614,955$2,576,360$2,876,036
53$2,964,711$2,680,688$2,600,268$3,030,468
54$3,202,746$2,747,676$2,623,011$3,191,762
55$3,463,033$2,815,919$2,644,489$3,365,690
56$3,747,778$2,885,415$2,664,595$3,553,456
57$4,059,410$2,956,158$2,683,217$3,756,383
58$4,400,603$3,028,143$2,700,238$3,975,930
59$4,774,302$3,101,360$2,715,534$4,213,700
60$5,183,751$3,175,797$2,728,975$4,471,462
61$5,632,522$3,251,439$2,740,423$4,751,162
62$6,124,548$3,328,268$2,749,736$5,054,945
63$6,664,162$3,406,263$2,756,763$5,385,171
64$7,256,137$3,485,400$2,761,344$5,744,444
65$7,905,728$3,565,650$2,763,315$6,135,628
66$8,618,726$3,646,981$2,762,499$6,561,880
67$9,401,507$3,729,354$2,758,715$7,026,680
68$10,261,099$3,812,730$2,751,769$7,533,859
69$11,205,238$3,897,062$2,741,461$8,087,640
70$12,242,452$3,982,297$2,727,579$8,692,675
71$13,382,130$4,068,378$2,709,902$9,354,091
72$14,634,621$4,155,242$2,688,197$10,077,536
73$16,011,323$4,242,819$2,662,222$10,869,236
74$17,524,794$4,331,033$2,631,722$11,736,050
75$19,188,868$4,419,799$2,596,430$12,685,536
76$21,018,789$4,509,026$2,556,067$13,726,024
77$23,031,351$4,598,613$2,510,340$14,866,694
78$25,245,056$4,688,453$2,458,944$16,117,662
79$27,680,291$4,778,426$2,401,558$17,490,077
80$30,359,518$4,868,406$2,337,848$18,996,225
81$33,307,485$4,958,254$2,267,462$20,649,645
82$36,551,460$5,047,821$2,190,033$22,465,262
83$40,121,489$5,136,944$2,105,180$24,459,519
84$44,050,677$5,225,450$2,012,499$26,650,541
85$48,375,501$5,313,152$1,911,573$29,058,305
86$53,136,155$5,399,849$1,801,963$31,704,824
87$58,376,925$5,485,324$1,683,211$34,614,360
88$64,146,611$5,569,345$1,554,839$37,813,654
89$70,498,986$5,651,664$1,416,347$41,332,175
90$77,493,300$5,732,012$1,267,211$45,202,401
91$85,194,841$5,810,105$1,106,887$49,460,130
92$93,675,552$5,885,638$934,805$54,144,811
93$103,014,707$5,958,283$750,370$59,299,924
94$113,299,659$6,027,691$552,960$64,973,387
95$124,626,667$6,093,490$341,926$71,218,013
96$137,101,798$6,155,282$116,592$78,092,007
97$150,841,934$6,212,643$0$85,659,516
98$165,975,870$6,265,122$0$94,005,778
99$182,645,531$6,312,235$0$103,209,719
100$201,007,311$6,353,471$0$113,343,604