Can I retire at age 52 with 2,270,000?

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 $2,270,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11%
1 years$187,454$185,785$184,156$182,566$181,013$180,250
2 years$92,799$91,071$89,396$87,772$86,197$85,427
3 years$61,252$59,516$57,845$56,236$54,687$53,933
4 years$45,481$43,750$42,096$40,515$39,003$38,272
5 years$36,021$34,301$32,669$31,119$29,649$28,943
6 years$29,716$28,009$26,401$24,887$23,461$22,779
7 years$25,215$23,522$21,939$20,461$19,080$18,424
8 years$21,840$20,163$18,606$17,164$15,829$15,199
9 years$19,217$17,555$16,026$14,620$13,330$12,726
10 years$17,120$15,474$13,972$12,602$11,358$10,779
11 years$15,405$13,776$12,300$10,968$9,768$9,215
12 years$13,977$12,364$10,916$9,620$8,465$7,936
13 years$12,769$11,174$9,753$8,493$7,381$6,877
14 years$11,735$10,157$8,763$7,539$6,471$5,989
15 years$10,840$9,278$7,912$6,724$5,697$5,239
16 years$10,057$8,513$7,173$6,020$5,035$4,599
17 years$9,367$7,840$6,527$5,409$4,465$4,050
18 years$8,755$7,244$5,959$4,875$3,970$3,577
19 years$8,207$6,714$5,455$4,405$3,538$3,166
20 years$7,715$6,239$5,006$3,989$3,160$2,808
21 years$7,270$5,811$4,605$3,621$2,828$2,494
22 years$6,867$5,425$4,244$3,292$2,535$2,219
23 years$6,499$5,074$3,919$2,998$2,276$1,978
24 years$6,162$4,754$3,624$2,734$2,045$1,764
25 years$5,852$4,461$3,357$2,497$1,841$1,575
26 years$5,567$4,193$3,113$2,283$1,658$1,408
27 years$5,304$3,946$2,891$2,090$1,495$1,260
28 years$5,059$3,718$2,687$1,915$1,349$1,128
29 years$4,832$3,508$2,501$1,756$1,218$1,010
30 years$4,621$3,313$2,329$1,612$1,100$906
31 years$4,423$3,131$2,172$1,480$995$812
32 years$4,238$2,963$2,026$1,360$900$729
33 years$4,065$2,806$1,892$1,251$814$654
34 years$3,903$2,659$1,768$1,151$737$587
35 years$3,750$2,522$1,653$1,059$668$528
36 years$3,605$2,394$1,546$976$605$474
37 years$3,469$2,274$1,447$899$548$426
38 years$3,341$2,161$1,355$829$497$383
39 years$3,219$2,055$1,270$764$451$344
40 years$3,103$1,955$1,190$705$409$310
41 years$2,994$1,861$1,116$650$371$279
42 years$2,890$1,772$1,047$600$337$251
43 years$2,791$1,689$982$554$306$226
44 years$2,697$1,610$922$511$277$203
45 years$2,607$1,535$866$472$252$183
46 years$2,522$1,464$813$436$229$164
47 years$2,440$1,397$764$403$208$148
48 years$2,362$1,334$718$372$189$133
49 years$2,288$1,274$675$344$171$120
50 years$2,216$1,217$634$318$156$108

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,270,000, adding $6,023 every year, while hoping to spend $33,808 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: 37/44/19 Blend
51$2,270,000$2,270,000$2,270,000$2,270,000
52$2,507,753$2,387,443$2,352,258$2,585,952
53$2,727,572$2,468,456$2,395,087$2,724,154
54$2,968,680$2,552,306$2,438,218$2,869,709
55$3,233,212$2,639,095$2,481,625$3,026,228
56$3,523,521$2,728,932$2,525,280$3,194,715
57$3,842,197$2,821,927$2,569,155$3,376,272
58$4,192,096$2,918,196$2,613,216$3,572,110
59$4,576,361$3,017,860$2,657,430$3,783,560
60$4,998,457$3,121,041$2,701,761$4,012,085
61$5,462,198$3,227,871$2,746,169$4,259,292
62$5,971,789$3,338,484$2,790,612$4,526,949
63$6,531,860$3,453,018$2,835,046$4,817,000
64$7,147,514$3,571,619$2,879,424$5,131,584
65$7,824,370$3,694,439$2,923,694$5,473,052
66$8,568,621$3,821,632$2,967,804$5,843,990
67$9,387,091$3,953,362$3,011,695$6,247,244
68$10,287,295$4,089,798$3,055,308$6,685,945
69$11,277,516$4,231,114$3,098,577$7,163,539
70$12,366,878$4,377,494$3,141,435$7,683,817
71$13,565,435$4,529,127$3,183,809$8,250,951
72$14,884,265$4,686,210$3,225,622$8,869,534
73$16,335,572$4,848,947$3,266,793$9,544,622
74$17,932,807$5,017,551$3,307,237$10,281,780
75$19,690,786$5,192,244$3,346,862$11,087,133
76$21,625,837$5,373,255$3,385,573$11,967,426
77$23,755,950$5,560,823$3,423,268$12,930,087
78$26,100,950$5,755,196$3,459,840$13,983,290
79$28,682,680$5,956,634$3,495,178$15,136,041
80$31,525,209$6,165,404$3,529,161$16,398,253
81$34,655,057$6,381,786$3,561,665$17,780,845
82$38,101,450$6,606,070$3,592,558$19,295,842
83$41,896,589$6,838,559$3,621,700$20,956,485
84$46,075,960$7,079,567$3,648,946$22,777,360
85$50,678,663$7,329,421$3,674,141$24,774,531
86$55,747,784$7,588,461$3,697,122$26,965,690
87$61,330,803$7,857,040$3,717,721$29,370,328
88$67,480,038$8,135,527$3,735,757$32,009,910
89$74,253,139$8,424,305$3,751,042$34,908,085
90$81,713,635$8,723,773$3,763,378$38,090,899
91$89,931,533$9,034,345$3,772,558$41,587,050
92$98,983,974$9,356,452$3,778,364$45,428,146
93$108,955,966$9,690,545$3,780,566$49,649,012
94$119,941,184$10,037,091$3,778,924$54,288,011
95$132,042,852$10,396,576$3,773,185$59,387,407
96$145,374,723$10,769,508$3,763,086$64,993,765
97$160,062,144$11,156,413$3,748,349$71,158,383
98$176,243,247$11,557,841$3,728,683$77,937,779
99$194,070,247$11,974,365$3,703,783$85,394,221
100$213,710,883$12,406,579$3,673,330$93,596,317