Can I retire at age 52 with 2,260,000?

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 $2,260,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.8%
1 years$186,629$184,966$183,344$181,761$180,216$177,376
2 years$92,390$90,670$89,002$87,385$85,817$82,964
3 years$60,982$59,254$57,590$55,989$54,446$51,667
4 years$45,281$43,558$41,911$40,337$38,831$36,149
5 years$35,862$34,150$32,525$30,982$29,519$26,941
6 years$29,585$27,886$26,285$24,777$23,357$20,886
7 years$25,104$23,419$21,843$20,370$18,996$16,632
8 years$21,744$20,074$18,524$17,088$15,759$13,503
9 years$19,132$17,478$15,955$14,555$13,271$11,121
10 years$17,044$15,406$13,910$12,547$11,308$9,262
11 years$15,337$13,715$12,246$10,920$9,725$7,782
12 years$13,915$12,310$10,868$9,578$8,427$6,585
13 years$12,713$11,125$9,710$8,456$7,349$5,603
14 years$11,683$10,112$8,724$7,506$6,442$4,791
15 years$10,792$9,237$7,877$6,694$5,672$4,112
16 years$10,013$8,475$7,142$5,994$5,013$3,541
17 years$9,326$7,805$6,499$5,385$4,445$3,058
18 years$8,716$7,212$5,932$4,853$3,952$2,647
19 years$8,171$6,684$5,431$4,385$3,523$2,296
20 years$7,681$6,211$4,984$3,972$3,146$1,995
21 years$7,238$5,786$4,584$3,605$2,816$1,736
22 years$6,836$5,401$4,225$3,278$2,524$1,512
23 years$6,470$5,051$3,901$2,985$2,266$1,319
24 years$6,135$4,733$3,608$2,722$2,036$1,152
25 years$5,827$4,441$3,342$2,486$1,832$1,006
26 years$5,543$4,174$3,099$2,273$1,651$880
27 years$5,280$3,928$2,878$2,081$1,488$770
28 years$5,037$3,702$2,675$1,906$1,343$674
29 years$4,811$3,492$2,490$1,748$1,213$590
30 years$4,600$3,298$2,319$1,604$1,096$517
31 years$4,404$3,118$2,162$1,474$991$453
32 years$4,220$2,950$2,017$1,354$896$397
33 years$4,047$2,794$1,883$1,245$811$349
34 years$3,885$2,648$1,760$1,146$734$306
35 years$3,733$2,511$1,645$1,055$665$268
36 years$3,589$2,384$1,539$971$602$235
37 years$3,454$2,264$1,441$895$546$207
38 years$3,326$2,152$1,349$825$495$181
39 years$3,205$2,046$1,264$761$449$159
40 years$3,090$1,946$1,185$702$407$140
41 years$2,981$1,853$1,111$647$369$123
42 years$2,877$1,765$1,042$597$335$108
43 years$2,779$1,681$978$551$304$95
44 years$2,685$1,603$918$509$276$83
45 years$2,596$1,528$862$470$251$73
46 years$2,511$1,458$809$434$228$64
47 years$2,430$1,391$760$401$207$56
48 years$2,352$1,328$715$371$188$50
49 years$2,278$1,268$672$343$170$44
50 years$2,207$1,212$631$317$155$38

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,260,000, adding $2,592 every year, while hoping to spend $53,927 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: 45/39/16 Blend
51$2,260,000$2,260,000$2,260,000$2,260,000
52$2,493,194$2,373,414$2,338,384$2,593,849
53$2,690,121$2,432,333$2,359,342$2,723,301
54$2,905,329$2,492,332$2,379,194$2,857,979
55$3,140,622$2,553,407$2,397,848$3,002,863
56$3,397,993$2,615,551$2,415,203$3,158,922
57$3,679,632$2,678,756$2,431,156$3,327,223
58$3,987,952$2,743,013$2,445,597$3,508,938
59$4,325,610$2,808,308$2,458,411$3,705,363
60$4,695,532$2,874,625$2,469,478$3,917,922
61$5,100,941$2,941,945$2,478,670$4,148,183
62$5,545,385$3,010,249$2,485,853$4,397,877
63$6,032,772$3,079,509$2,490,888$4,668,909
64$6,567,409$3,149,699$2,493,626$4,963,377
65$7,154,037$3,220,786$2,493,914$5,283,594
66$7,797,878$3,292,734$2,491,590$5,632,110
67$8,504,686$3,365,502$2,486,483$6,011,732
68$9,280,798$3,439,046$2,478,414$6,425,556
69$10,133,195$3,513,316$2,467,197$6,876,992
70$11,069,569$3,588,256$2,452,636$7,369,799
71$12,098,390$3,663,806$2,434,525$7,908,121
72$13,228,993$3,739,899$2,412,648$8,496,522
73$14,471,659$3,816,463$2,386,780$9,140,035
74$15,837,716$3,893,417$2,356,685$9,844,205
75$17,339,644$3,970,676$2,322,115$10,615,146
76$18,991,193$4,048,144$2,282,812$11,459,595
77$20,807,512$4,125,720$2,238,503$12,384,977
78$22,805,290$4,203,293$2,188,905$13,399,477
79$25,002,918$4,280,742$2,133,721$14,512,117
80$27,420,655$4,357,938$2,072,640$15,732,839
81$30,080,825$4,434,741$2,005,337$17,072,603
82$33,008,026$4,511,000$1,931,473$18,543,489
83$36,229,359$4,586,552$1,850,691$20,158,812
84$39,774,684$4,661,224$1,762,620$21,933,247
85$43,676,906$4,734,828$1,666,872$23,882,970
86$47,972,278$4,807,163$1,563,040$26,025,811
87$52,700,749$4,878,012$1,450,700$28,381,422
88$57,906,335$4,947,144$1,329,408$30,971,464
89$63,637,540$5,014,313$1,198,702$33,819,810
90$69,947,807$5,079,253$1,058,097$36,952,778
91$76,896,028$5,141,680$907,087$40,399,370
92$84,547,094$5,201,294$745,146$44,191,556
93$92,972,510$5,257,770$571,721$48,364,574
94$102,251,069$5,310,764$386,237$52,957,260
95$112,469,596$5,359,909$188,093$58,012,422
96$123,723,763$5,404,812$0$63,577,239
97$136,118,996$5,445,058$0$69,707,704
98$149,771,469$5,480,201$0$76,491,670
99$164,809,196$5,509,768$0$83,960,283
100$181,373,245$5,533,257$0$92,183,289