Can I retire at age 52 with 2,350,000?

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 $2,350,000?

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$194,061$192,332$190,646$189,000$187,392$181,977
2 years$96,070$94,280$92,546$90,865$89,234$83,822
3 years$63,410$61,613$59,884$58,218$56,614$51,373
4 years$47,084$45,292$43,580$41,943$40,378$35,349
5 years$37,290$35,510$33,820$32,216$30,694$25,892
6 years$30,764$28,996$27,331$25,764$24,287$19,716
7 years$26,103$24,351$22,713$21,182$19,752$15,411
8 years$22,610$20,873$19,262$17,769$16,386$12,273
9 years$19,894$18,174$16,590$15,135$13,800$9,910
10 years$17,723$16,020$14,464$13,047$11,758$8,087
11 years$15,948$14,261$12,734$11,354$10,112$6,653
12 years$14,469$12,800$11,301$9,959$8,763$5,510
13 years$13,219$11,568$10,097$8,793$7,642$4,587
14 years$12,149$10,515$9,072$7,805$6,699$3,834
15 years$11,222$9,605$8,191$6,961$5,898$3,216
16 years$10,411$8,813$7,426$6,233$5,213$2,706
17 years$9,697$8,116$6,757$5,600$4,622$2,282
18 years$9,063$7,500$6,169$5,047$4,110$1,928
19 years$8,496$6,951$5,647$4,560$3,663$1,632
20 years$7,987$6,459$5,183$4,130$3,272$1,383
21 years$7,527$6,016$4,767$3,748$2,928$1,173
22 years$7,109$5,616$4,394$3,408$2,624$996
23 years$6,728$5,252$4,057$3,104$2,356$847
24 years$6,379$4,921$3,752$2,831$2,117$720
25 years$6,059$4,618$3,475$2,585$1,905$613
26 years$5,763$4,340$3,223$2,364$1,716$522
27 years$5,491$4,085$2,993$2,164$1,547$445
28 years$5,238$3,849$2,782$1,982$1,396$379
29 years$5,003$3,631$2,589$1,818$1,261$323
30 years$4,784$3,429$2,411$1,668$1,139$276
31 years$4,579$3,242$2,248$1,532$1,030$235
32 years$4,388$3,067$2,098$1,408$932$200
33 years$4,209$2,905$1,958$1,295$843$171
34 years$4,040$2,753$1,830$1,191$763$146
35 years$3,882$2,611$1,711$1,097$691$125
36 years$3,732$2,479$1,600$1,010$626$106
37 years$3,591$2,354$1,498$931$568$91
38 years$3,458$2,237$1,403$858$515$77
39 years$3,332$2,127$1,314$791$467$66
40 years$3,213$2,024$1,232$730$423$56
41 years$3,100$1,927$1,155$673$384$48
42 years$2,992$1,835$1,084$621$349$41
43 years$2,890$1,748$1,017$573$316$35
44 years$2,792$1,666$954$529$287$30
45 years$2,699$1,589$896$489$261$26
46 years$2,611$1,516$842$452$237$22
47 years$2,526$1,447$791$417$215$19
48 years$2,446$1,381$743$386$195$16
49 years$2,368$1,319$698$356$177$14
50 years$2,294$1,260$657$329$161$12

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,350,000, adding $5,739 every year, while hoping to spend $55,509 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: 48/23/29 Blend
51$2,350,000$2,350,000$2,350,000$2,350,000
52$2,595,620$2,471,070$2,434,645$2,698,460
53$2,801,312$2,533,091$2,457,144$2,833,515
54$3,026,124$2,596,291$2,478,537$2,974,222
55$3,271,948$2,660,669$2,498,727$3,125,971
56$3,540,867$2,726,221$2,517,615$3,289,833
57$3,835,173$2,792,944$2,535,093$3,466,989
58$4,157,393$2,860,830$2,551,050$3,658,739
59$4,510,306$2,929,871$2,565,370$3,866,517
60$4,896,976$3,000,053$2,577,928$4,091,904
61$5,320,775$3,071,362$2,588,596$4,336,640
62$5,785,416$3,143,782$2,597,237$4,602,646
63$6,294,992$3,217,290$2,603,707$4,892,038
64$6,854,008$3,291,864$2,607,858$5,207,149
65$7,467,426$3,367,475$2,609,531$5,550,549
66$8,140,714$3,444,091$2,608,560$5,925,075
67$8,879,892$3,521,678$2,604,773$6,333,850
68$9,691,595$3,600,194$2,597,987$6,780,319
69$10,583,130$3,679,595$2,588,011$7,268,279
70$11,562,545$3,759,831$2,574,645$7,801,917
71$12,638,708$3,840,846$2,557,679$8,385,846
72$13,821,389$3,922,580$2,536,894$9,025,155
73$15,121,349$4,004,965$2,512,059$9,725,450
74$16,550,446$4,087,928$2,482,932$10,492,914
75$18,121,743$4,171,387$2,449,261$11,334,361
76$19,849,631$4,255,256$2,410,782$12,257,304
77$21,749,966$4,339,437$2,367,217$13,270,024
78$23,840,220$4,423,826$2,318,276$14,381,651
79$26,139,640$4,508,312$2,263,655$15,602,248
80$28,669,434$4,592,770$2,203,039$16,942,909
81$31,452,969$4,677,068$2,136,093$18,415,863
82$34,515,991$4,761,063$2,062,471$20,034,589
83$37,886,868$4,844,601$1,981,810$21,813,947
84$41,596,857$4,927,515$1,893,729$23,770,319
85$45,680,400$5,009,626$1,797,832$25,921,759
86$50,175,444$5,090,742$1,693,703$28,288,170
87$55,123,806$5,170,654$1,580,908$30,891,492
88$60,571,560$5,249,143$1,458,995$33,755,907
89$66,569,477$5,325,968$1,327,489$36,908,072
90$73,173,499$5,400,876$1,185,895$40,377,368
91$80,445,270$5,473,593$1,033,697$44,196,183
92$88,452,717$5,543,828$870,355$48,400,214
93$97,270,687$5,611,269$695,304$53,028,810
94$106,981,657$5,675,581$507,957$58,125,340
95$117,676,511$5,736,410$307,699$63,737,610
96$129,455,396$5,793,375$93,888$69,918,309
97$142,428,667$5,846,071$0$76,725,514
98$156,717,930$5,894,068$0$84,264,787
99$172,457,187$5,936,904$0$92,598,833
100$189,794,099$5,974,092$0$101,776,559