Can I retire at age 52 with 2,330,000?

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 $2,330,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.7%
1 years$192,409$190,695$189,023$187,391$185,797$179,277
2 years$95,252$93,478$91,759$90,092$88,475$81,974
3 years$62,871$61,089$59,374$57,723$56,132$49,855
4 years$46,683$44,907$43,209$41,586$40,034$34,029
5 years$36,973$35,208$33,532$31,942$30,433$24,715
6 years$30,502$28,750$27,099$25,544$24,081$18,655
7 years$25,881$24,144$22,519$21,001$19,584$14,450
8 years$22,418$20,696$19,098$17,618$16,247$11,399
9 years$19,725$18,019$16,449$15,006$13,682$9,115
10 years$17,572$15,883$14,341$12,936$11,658$7,364
11 years$15,812$14,140$12,625$11,258$10,026$5,996
12 years$14,346$12,691$11,205$9,875$8,689$4,913
13 years$13,107$11,469$10,011$8,718$7,577$4,046
14 years$12,045$10,425$8,995$7,739$6,642$3,345
15 years$11,126$9,524$8,121$6,902$5,848$2,774
16 years$10,323$8,738$7,363$6,180$5,168$2,307
17 years$9,615$8,047$6,700$5,552$4,583$1,923
18 years$8,986$7,436$6,116$5,004$4,075$1,605
19 years$8,424$6,891$5,599$4,521$3,632$1,342
20 years$7,919$6,404$5,139$4,095$3,244$1,124
21 years$7,463$5,965$4,726$3,716$2,903$942
22 years$7,048$5,568$4,356$3,379$2,602$790
23 years$6,670$5,208$4,022$3,077$2,336$663
24 years$6,325$4,879$3,720$2,807$2,099$557
25 years$6,007$4,579$3,445$2,563$1,889$468
26 years$5,714$4,303$3,195$2,344$1,702$393
27 years$5,444$4,050$2,967$2,145$1,534$331
28 years$5,193$3,816$2,758$1,966$1,384$278
29 years$4,960$3,600$2,567$1,802$1,250$234
30 years$4,743$3,400$2,391$1,654$1,130$197
31 years$4,540$3,214$2,229$1,519$1,021$166
32 years$4,350$3,041$2,080$1,396$924$140
33 years$4,173$2,880$1,942$1,284$836$117
34 years$4,006$2,730$1,814$1,181$757$99
35 years$3,849$2,589$1,696$1,087$686$83
36 years$3,701$2,457$1,587$1,002$621$70
37 years$3,561$2,334$1,485$923$563$59
38 years$3,429$2,218$1,391$851$510$50
39 years$3,304$2,109$1,303$784$463$42
40 years$3,185$2,007$1,221$723$420$35
41 years$3,073$1,910$1,145$667$381$30
42 years$2,966$1,819$1,074$616$346$25
43 years$2,865$1,733$1,008$569$314$21
44 years$2,768$1,652$946$525$285$18
45 years$2,676$1,576$889$485$258$15
46 years$2,589$1,503$835$448$235$13
47 years$2,505$1,434$784$414$213$11
48 years$2,425$1,369$737$382$194$9
49 years$2,348$1,308$692$353$176$8
50 years$2,275$1,249$651$327$160$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,330,000, adding $3,681 every year, while hoping to spend $24,454 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: 69/11/20 Blend
51$2,330,000$2,330,000$2,330,000$2,330,000
52$2,571,457$2,447,967$2,411,852$2,735,972
53$2,807,727$2,541,898$2,466,630$2,940,247
54$3,067,276$2,639,613$2,522,424$3,160,479
55$3,352,455$2,741,270$2,579,241$3,400,867
56$3,665,849$2,847,037$2,637,090$3,663,399
57$4,010,310$2,957,086$2,695,977$3,950,266
58$4,388,979$3,071,600$2,755,909$4,263,876
59$4,805,314$3,190,768$2,816,891$4,606,884
60$5,263,129$3,314,788$2,878,930$4,982,212
61$5,766,622$3,443,867$2,942,028$5,393,079
62$6,320,421$3,578,220$3,006,190$5,843,029
63$6,929,624$3,718,073$3,071,417$6,335,964
64$7,599,849$3,863,661$3,137,712$6,876,184
65$8,337,283$4,015,230$3,205,075$7,468,423
66$9,148,746$4,173,037$3,273,506$8,117,896
67$10,041,753$4,337,350$3,343,003$8,830,346
68$11,024,580$4,508,449$3,413,562$9,612,100
69$12,106,351$4,686,627$3,485,180$10,470,128
70$13,297,117$4,872,189$3,557,851$11,412,107
71$14,607,952$5,065,456$3,631,568$12,446,492
72$16,051,059$5,266,759$3,706,323$13,582,601
73$17,639,887$5,476,450$3,782,104$14,830,695
74$19,389,250$5,694,891$3,858,899$16,202,082
75$21,315,477$5,922,464$3,936,696$17,709,216
76$23,436,557$6,159,566$4,015,477$19,365,820
77$25,772,315$6,406,614$4,095,224$21,187,012
78$28,344,595$6,664,042$4,175,918$23,189,449
79$31,177,468$6,932,304$4,257,535$25,391,480
80$34,297,458$7,211,876$4,340,051$27,813,326
81$37,733,794$7,503,253$4,423,438$30,477,261
82$41,518,683$7,806,954$4,507,665$33,407,829
83$45,687,616$8,123,522$4,592,699$36,632,074
84$50,279,701$8,453,523$4,678,503$40,179,790
85$55,338,036$8,797,551$4,765,039$44,083,808
86$60,910,110$9,156,226$4,852,262$48,380,300
87$67,048,255$9,530,194$4,940,126$53,109,125
88$73,810,138$9,920,135$5,028,581$58,314,198
89$81,259,306$10,326,755$5,117,573$64,043,911
90$89,465,786$10,750,797$5,207,042$70,351,585
91$98,506,745$11,193,035$5,296,927$77,295,971
92$108,467,219$11,654,279$5,387,160$84,941,810
93$119,440,913$12,135,377$5,477,668$93,360,436
94$131,531,091$12,637,215$5,568,374$102,630,455
95$144,851,544$13,160,720$5,659,196$112,838,482
96$159,527,668$13,706,862$5,750,046$124,079,960
97$175,697,646$14,276,655$5,840,828$136,460,057
98$193,513,754$14,871,159$5,931,444$150,094,664
99$213,143,796$15,491,485$6,021,786$165,111,482
100$234,772,689$16,138,793$6,111,742$181,651,227