Can I retire at age 52 with 2,360,000?

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 $2,360,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.6%
1 years$194,887$193,151$191,457$189,804$188,190$184,617
2 years$96,479$94,682$92,940$91,252$89,614$86,028
3 years$63,680$61,876$60,139$58,466$56,855$53,368
4 years$47,284$45,485$43,765$42,121$40,549$37,188
5 years$37,449$35,661$33,964$32,353$30,825$27,599
6 years$30,895$29,120$27,448$25,873$24,391$21,304
7 years$26,215$24,455$22,809$21,272$19,836$16,889
8 years$22,706$20,962$19,344$17,844$16,456$13,648
9 years$19,979$18,251$16,661$15,199$13,858$11,188
10 years$17,798$16,088$14,525$13,102$11,808$9,272
11 years$16,015$14,322$12,788$11,403$10,155$7,751
12 years$14,531$12,855$11,349$10,002$8,800$6,525
13 years$13,275$11,617$10,140$8,830$7,674$5,523
14 years$12,200$10,559$9,110$7,838$6,727$4,697
15 years$11,269$9,646$8,226$6,990$5,923$4,009
16 years$10,456$8,850$7,458$6,259$5,235$3,434
17 years$9,738$8,151$6,786$5,624$4,642$2,948
18 years$9,102$7,532$6,195$5,068$4,127$2,537
19 years$8,532$6,980$5,671$4,580$3,679$2,188
20 years$8,021$6,486$5,205$4,148$3,286$1,890
21 years$7,559$6,042$4,787$3,764$2,940$1,634
22 years$7,139$5,640$4,412$3,423$2,636$1,415
23 years$6,756$5,275$4,074$3,117$2,366$1,227
24 years$6,406$4,942$3,768$2,843$2,127$1,064
25 years$6,084$4,638$3,490$2,596$1,914$924
26 years$5,788$4,359$3,236$2,374$1,724$803
27 years$5,514$4,102$3,005$2,173$1,554$698
28 years$5,260$3,866$2,794$1,991$1,402$607
29 years$5,024$3,647$2,600$1,826$1,266$528
30 years$4,804$3,444$2,422$1,675$1,144$460
31 years$4,599$3,256$2,258$1,539$1,034$400
32 years$4,407$3,080$2,106$1,414$936$349
33 years$4,226$2,917$1,967$1,300$847$304
34 years$4,057$2,765$1,838$1,197$767$265
35 years$3,898$2,622$1,718$1,101$694$231
36 years$3,748$2,489$1,607$1,014$629$201
37 years$3,607$2,364$1,504$935$570$175
38 years$3,473$2,247$1,409$862$517$153
39 years$3,346$2,136$1,320$794$469$133
40 years$3,226$2,033$1,237$733$425$116
41 years$3,113$1,935$1,160$676$386$101
42 years$3,005$1,843$1,088$624$350$88
43 years$2,902$1,756$1,021$576$318$77
44 years$2,804$1,674$958$532$288$67
45 years$2,711$1,596$900$491$262$59
46 years$2,622$1,522$845$454$238$51
47 years$2,537$1,453$794$419$216$45
48 years$2,456$1,387$746$387$196$39
49 years$2,378$1,324$701$358$178$34
50 years$2,304$1,265$659$331$162$30

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,360,000, adding $6,865 every year, while hoping to spend $50,281 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: 69/14/17 Blend
51$2,360,000$2,360,000$2,360,000$2,360,000
52$2,607,801$2,482,721$2,446,141$2,776,720
53$2,820,298$2,550,876$2,474,588$2,958,330
54$3,052,785$2,620,685$2,502,303$3,150,369
55$3,307,247$2,692,177$2,529,208$3,359,228
56$3,585,871$2,765,378$2,555,222$3,586,557
57$3,891,065$2,840,317$2,580,257$3,834,178
58$4,225,481$2,917,020$2,604,223$4,104,095
59$4,592,040$2,995,514$2,627,024$4,398,516
60$4,993,958$3,075,824$2,648,559$4,719,873
61$5,434,778$3,157,975$2,668,722$5,070,844
62$5,918,401$3,241,992$2,687,401$5,454,381
63$6,449,127$3,327,898$2,704,477$5,873,735
64$7,031,688$3,415,716$2,719,827$6,332,488
65$7,671,300$3,505,466$2,733,322$6,834,584
66$8,373,708$3,597,169$2,744,823$7,384,372
67$9,145,239$3,690,843$2,754,188$7,986,641
68$9,992,865$3,786,506$2,761,264$8,646,667
69$10,924,266$3,884,172$2,765,895$9,370,264
70$11,947,901$3,983,857$2,767,912$10,163,840
71$13,073,092$4,085,571$2,767,142$11,034,452
72$14,310,107$4,189,324$2,763,402$11,989,877
73$15,670,260$4,295,123$2,756,497$13,038,687
74$17,166,015$4,402,972$2,746,229$14,190,324
75$18,811,104$4,512,874$2,732,383$15,455,193
76$20,620,659$4,624,827$2,714,740$16,844,760
77$22,611,349$4,738,826$2,693,067$18,371,660
78$24,801,543$4,854,865$2,667,120$20,049,816
79$27,211,476$4,972,929$2,636,645$21,894,570
80$29,863,449$5,093,005$2,601,375$23,922,827
81$32,782,029$5,215,071$2,561,030$26,153,218
82$35,994,289$5,339,102$2,515,317$28,606,273
83$39,530,057$5,465,068$2,463,930$31,304,615
84$43,422,200$5,592,933$2,406,549$34,273,173
85$47,706,934$5,722,657$2,342,838$37,539,422
86$52,424,164$5,854,190$2,272,446$41,133,637
87$57,617,862$5,987,479$2,195,007$45,089,179
88$63,336,480$6,122,462$2,110,136$49,442,815
89$69,633,408$6,259,069$2,017,432$54,235,061
90$76,567,475$6,397,223$1,916,475$59,510,566
91$84,203,508$6,536,837$1,806,828$65,318,532
92$92,612,940$6,677,817$1,688,031$71,713,183
93$101,874,486$6,820,055$1,559,605$78,754,271
94$112,074,882$6,963,437$1,421,051$86,507,645
95$123,309,709$7,107,834$1,271,845$95,045,872
96$135,684,289$7,253,107$1,111,441$104,448,922
97$149,314,680$7,399,103$939,268$114,804,921
98$164,328,776$7,545,657$754,732$126,210,986
99$180,867,505$7,692,589$557,209$138,774,144
100$199,086,166$7,839,701$346,051$152,612,337