Can I retire at age 52 with 2,290,000?

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 $2,290,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.9%
1 years$189,106$187,422$185,778$184,174$182,608$180,401
2 years$93,617$91,873$90,184$88,545$86,956$84,735
3 years$61,791$60,040$58,355$56,732$55,169$53,002
4 years$45,882$44,136$42,467$40,872$39,347$37,252
5 years$36,338$34,603$32,956$31,394$29,911$27,894
6 years$29,978$28,256$26,634$25,106$23,667$21,731
7 years$25,437$23,729$22,133$20,641$19,248$17,392
8 years$22,033$20,340$18,770$17,315$15,968$14,193
9 years$19,386$17,710$16,167$14,749$13,447$11,752
10 years$17,270$15,611$14,095$12,713$11,458$9,842
11 years$15,540$13,897$12,409$11,065$9,854$8,315
12 years$14,100$12,473$11,012$9,705$8,539$7,076
13 years$12,882$11,272$9,839$8,568$7,446$6,057
14 years$11,838$10,246$8,840$7,606$6,528$5,210
15 years$10,935$9,360$7,982$6,783$5,747$4,500
16 years$10,146$8,588$7,236$6,073$5,080$3,899
17 years$9,450$7,909$6,585$5,457$4,504$3,389
18 years$8,832$7,308$6,011$4,918$4,005$2,953
19 years$8,279$6,773$5,503$4,444$3,569$2,578
20 years$7,783$6,294$5,050$4,025$3,188$2,255
21 years$7,334$5,863$4,645$3,653$2,853$1,975
22 years$6,927$5,472$4,281$3,321$2,557$1,733
23 years$6,556$5,118$3,953$3,025$2,296$1,522
24 years$6,216$4,796$3,656$2,759$2,063$1,338
25 years$5,904$4,500$3,386$2,519$1,857$1,177
26 years$5,616$4,230$3,140$2,303$1,673$1,037
27 years$5,350$3,981$2,916$2,108$1,508$914
28 years$5,104$3,751$2,711$1,932$1,361$806
29 years$4,875$3,539$2,523$1,771$1,229$711
30 years$4,661$3,342$2,350$1,626$1,110$627
31 years$4,462$3,159$2,191$1,493$1,004$554
32 years$4,276$2,989$2,044$1,372$908$489
33 years$4,101$2,831$1,908$1,262$822$432
34 years$3,937$2,683$1,783$1,161$744$382
35 years$3,783$2,545$1,667$1,069$674$338
36 years$3,637$2,415$1,560$984$610$299
37 years$3,500$2,294$1,460$907$553$264
38 years$3,370$2,180$1,367$836$502$234
39 years$3,247$2,073$1,281$771$455$207
40 years$3,131$1,972$1,200$711$413$183
41 years$3,020$1,877$1,126$656$374$162
42 years$2,916$1,788$1,056$605$340$143
43 years$2,816$1,704$991$559$308$127
44 years$2,721$1,624$930$516$280$112
45 years$2,630$1,549$873$477$254$99
46 years$2,544$1,477$820$440$231$88
47 years$2,462$1,410$771$407$209$78
48 years$2,383$1,346$724$376$190$69
49 years$2,308$1,285$681$347$173$61
50 years$2,236$1,228$640$321$157$54

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,290,000, adding $2,929 every year, while hoping to spend $41,652 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: 40/32/28 Blend
51$2,290,000$2,290,000$2,290,000$2,290,000
52$2,526,601$2,405,231$2,369,736$2,606,669
53$2,739,997$2,478,770$2,404,805$2,738,686
54$2,973,763$2,554,517$2,439,653$2,877,332
55$3,229,934$2,632,534$2,474,228$3,026,542
56$3,510,749$2,712,890$2,508,475$3,187,307
57$3,818,674$2,795,651$2,542,339$3,360,722
58$4,156,428$2,880,886$2,575,756$3,547,990
59$4,527,002$2,968,668$2,608,662$3,750,435
60$4,933,693$3,059,070$2,640,989$3,969,517
61$5,380,133$3,152,167$2,672,665$4,206,839
62$5,870,320$3,248,037$2,703,613$4,464,168
63$6,408,660$3,346,759$2,733,752$4,743,451
64$7,000,008$3,448,415$2,762,997$5,046,829
65$7,649,710$3,553,088$2,791,259$5,376,662
66$8,363,656$3,660,865$2,818,441$5,735,547
67$9,148,335$3,771,833$2,844,445$6,126,346
68$10,010,896$3,886,084$2,869,165$6,552,210
69$10,959,216$4,003,711$2,892,491$7,016,611
70$12,001,971$4,124,808$2,914,304$7,523,371
71$13,148,722$4,249,473$2,934,484$8,076,702
72$14,410,002$4,377,808$2,952,899$8,681,243
73$15,797,416$4,509,915$2,969,415$9,342,106
74$17,323,751$4,645,899$2,983,889$10,064,921
75$19,003,094$4,785,868$2,996,170$10,855,891
76$20,850,969$4,929,935$3,006,100$11,721,849
77$22,884,477$5,078,211$3,013,515$12,670,326
78$25,122,465$5,230,815$3,018,239$13,709,618
79$27,585,697$5,387,865$3,020,090$14,848,864
80$30,297,051$5,549,483$3,018,876$16,098,136
81$33,281,738$5,715,796$3,014,396$17,468,530
82$36,567,537$5,886,932$3,006,440$18,972,274
83$40,185,055$6,063,021$2,994,785$20,622,839
84$44,168,021$6,244,199$2,979,201$22,435,071
85$48,553,598$6,430,604$2,959,443$24,425,329
86$53,382,738$6,622,376$2,935,257$26,611,637
87$58,700,565$6,819,660$2,906,376$29,013,858
88$64,556,804$7,022,605$2,872,520$31,653,879
89$71,006,245$7,231,360$2,833,397$34,555,818
90$78,109,266$7,446,080$2,788,700$37,746,254
91$85,932,397$7,666,924$2,738,107$41,254,472
92$94,548,951$7,894,052$2,681,283$45,112,746
93$104,039,714$8,127,631$2,617,876$49,356,642
94$114,493,708$8,367,828$2,547,518$54,025,349
95$126,009,030$8,614,816$2,469,825$59,162,058
96$138,693,780$8,868,771$2,384,393$64,814,359
97$152,667,078$9,129,873$2,290,802$71,034,700
98$168,060,187$9,398,304$2,188,611$77,880,878
99$185,017,757$9,674,252$2,077,360$85,416,582
100$203,699,185$9,957,907$1,956,569$93,712,001