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

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 $2,490,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.1%
1 years$205,622$203,790$202,003$200,259$198,556$192,818
2 years$101,793$99,897$98,060$96,278$94,551$88,815
3 years$67,188$65,284$63,451$61,687$59,987$54,434
4 years$49,889$47,991$46,176$44,442$42,783$37,455
5 years$39,512$37,625$35,835$34,135$32,523$27,435
6 years$32,596$30,724$28,960$27,298$25,734$20,890
7 years$27,659$25,802$24,066$22,444$20,929$16,329
8 years$23,957$22,117$20,410$18,827$17,363$13,004
9 years$21,079$19,257$17,579$16,037$14,622$10,500
10 years$18,779$16,974$15,326$13,824$12,458$8,568
11 years$16,898$15,111$13,492$12,031$10,715$7,050
12 years$15,331$13,563$11,974$10,553$9,285$5,838
13 years$14,007$12,257$10,698$9,316$8,097$4,860
14 years$12,872$11,141$9,612$8,270$7,098$4,063
15 years$11,890$10,178$8,679$7,375$6,249$3,408
16 years$11,032$9,338$7,868$6,604$5,523$2,867
17 years$10,275$8,600$7,160$5,934$4,897$2,418
18 years$9,603$7,946$6,536$5,347$4,354$2,043
19 years$9,002$7,365$5,984$4,832$3,881$1,729
20 years$8,463$6,844$5,491$4,376$3,467$1,465
21 years$7,975$6,375$5,051$3,972$3,102$1,243
22 years$7,532$5,950$4,655$3,611$2,781$1,056
23 years$7,129$5,565$4,298$3,289$2,496$897
24 years$6,759$5,214$3,975$2,999$2,244$763
25 years$6,420$4,893$3,682$2,739$2,019$650
26 years$6,107$4,599$3,415$2,505$1,819$553
27 years$5,818$4,328$3,171$2,293$1,640$471
28 years$5,550$4,078$2,948$2,100$1,479$402
29 years$5,301$3,848$2,743$1,926$1,336$342
30 years$5,069$3,634$2,555$1,768$1,207$292
31 years$4,852$3,435$2,382$1,624$1,091$249
32 years$4,649$3,250$2,223$1,492$987$212
33 years$4,459$3,078$2,075$1,372$893$181
34 years$4,281$2,917$1,939$1,262$809$155
35 years$4,113$2,767$1,813$1,162$733$132
36 years$3,955$2,626$1,696$1,070$664$113
37 years$3,805$2,494$1,587$986$602$96
38 years$3,664$2,370$1,486$909$545$82
39 years$3,531$2,254$1,393$838$495$70
40 years$3,404$2,145$1,305$773$449$60
41 years$3,284$2,041$1,224$713$407$51
42 years$3,170$1,944$1,148$658$369$44
43 years$3,062$1,852$1,077$608$335$37
44 years$2,958$1,766$1,011$561$304$32
45 years$2,860$1,684$950$518$276$27
46 years$2,766$1,606$892$479$251$23
47 years$2,677$1,533$838$442$228$20
48 years$2,591$1,463$787$409$207$17
49 years$2,509$1,397$740$378$188$14
50 years$2,431$1,335$696$349$171$12

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 $4,345 every year, while hoping to spend $22,923 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: 44/26/30 Blend
51$2,490,000$2,490,000$2,490,000$2,490,000
52$2,748,462$2,616,492$2,577,897$2,845,270
53$3,004,415$2,720,310$2,639,867$3,018,859
54$3,285,707$2,828,447$2,703,144$3,204,417
55$3,594,899$2,941,090$2,767,749$3,405,144
56$3,934,810$3,058,436$2,833,700$3,622,469
57$4,308,550$3,180,688$2,901,018$3,857,959
58$4,719,541$3,308,060$2,969,721$4,113,340
59$5,171,556$3,440,777$3,039,828$4,390,508
60$5,668,751$3,579,072$3,111,359$4,691,547
61$6,215,705$3,723,188$3,184,331$5,018,750
62$6,817,464$3,873,381$3,258,763$5,374,639
63$7,479,587$4,029,918$3,334,673$5,761,988
64$8,208,199$4,193,078$3,412,079$6,183,848
65$9,010,048$4,363,152$3,490,997$6,643,577
66$9,892,572$4,540,445$3,571,444$7,144,867
67$10,863,963$4,725,276$3,653,436$7,691,786
68$11,933,250$4,917,977$3,736,989$8,288,805
69$13,110,381$5,118,898$3,822,117$8,940,848
70$14,406,317$5,328,401$3,908,836$9,653,334
71$15,833,137$5,546,869$3,997,157$10,432,228
72$17,404,150$5,774,698$4,087,095$11,284,095
73$19,134,022$6,012,307$4,178,661$12,216,164
74$21,038,912$6,260,129$4,271,866$13,236,393
75$23,136,627$6,518,622$4,366,720$14,353,543
76$25,446,789$6,788,260$4,463,231$15,577,262
77$27,991,019$7,069,543$4,561,407$16,918,171
78$30,793,144$7,362,992$4,661,255$18,387,968
79$33,879,417$7,669,151$4,762,780$19,999,533
80$37,278,770$7,988,591$4,865,985$21,767,050
81$41,023,081$8,321,909$4,970,872$23,706,141
82$45,147,482$8,669,729$5,077,443$25,834,011
83$49,690,682$9,032,703$5,185,694$28,169,607
84$54,695,341$9,411,515$5,295,625$30,733,799
85$60,208,466$9,806,879$5,407,228$33,549,573
86$66,281,857$10,219,544$5,520,498$36,642,249
87$72,972,596$10,650,291$5,635,424$40,039,713
88$80,343,585$11,099,939$5,751,995$43,772,688
89$88,464,140$11,569,345$5,870,196$47,875,010
90$97,410,645$12,059,406$5,990,010$52,383,958
91$107,267,273$12,571,059$6,111,418$57,340,595
92$118,126,781$13,105,287$6,234,396$62,790,156
93$130,091,383$13,663,117$6,358,919$68,782,478
94$143,273,718$14,245,624$6,484,957$75,372,459
95$157,797,912$14,853,933$6,612,477$82,620,583
96$173,800,746$15,489,224$6,741,443$90,593,484
97$191,432,955$16,152,728$6,871,814$99,364,572
98$210,860,641$16,845,737$7,003,544$109,014,727
99$232,266,850$17,569,601$7,136,586$119,633,056
100$255,853,292$18,325,735$7,270,886$131,317,734