Can I retire at age 52 with 2,410,000?

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 $2,410,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.2%
1 years$199,016$197,243$195,513$193,825$192,177$187,303
2 years$98,523$96,688$94,909$93,185$91,513$86,634
3 years$65,029$63,186$61,413$59,705$58,059$53,329
4 years$48,286$46,449$44,693$43,014$41,408$36,862
5 years$38,243$36,416$34,683$33,039$31,478$27,128
6 years$31,549$29,737$28,029$26,421$24,908$20,759
7 years$26,770$24,973$23,292$21,722$20,256$16,309
8 years$23,187$21,406$19,754$18,222$16,805$13,057
9 years$20,402$18,638$17,014$15,521$14,152$10,601
10 years$18,175$16,429$14,833$13,380$12,058$8,699
11 years$16,355$14,625$13,059$11,644$10,370$7,199
12 years$14,839$13,127$11,589$10,214$8,987$5,997
13 years$13,557$11,863$10,354$9,017$7,837$5,022
14 years$12,459$10,783$9,303$8,004$6,870$4,225
15 years$11,508$9,851$8,400$7,138$6,049$3,566
16 years$10,677$9,038$7,616$6,392$5,346$3,020
17 years$9,945$8,323$6,930$5,743$4,740$2,563
18 years$9,294$7,691$6,326$5,176$4,214$2,180
19 years$8,713$7,128$5,791$4,677$3,756$1,858
20 years$8,191$6,624$5,315$4,236$3,355$1,585
21 years$7,719$6,170$4,889$3,844$3,003$1,354
22 years$7,290$5,759$4,506$3,495$2,691$1,158
23 years$6,899$5,387$4,160$3,183$2,416$991
24 years$6,542$5,047$3,848$2,903$2,172$849
25 years$6,213$4,736$3,564$2,651$1,954$728
26 years$5,911$4,451$3,305$2,424$1,760$625
27 years$5,631$4,189$3,069$2,219$1,587$536
28 years$5,371$3,947$2,853$2,033$1,432$460
29 years$5,130$3,724$2,655$1,864$1,293$395
30 years$4,906$3,517$2,473$1,711$1,168$339
31 years$4,696$3,325$2,306$1,571$1,056$292
32 years$4,500$3,146$2,151$1,444$955$251
33 years$4,316$2,979$2,008$1,328$865$215
34 years$4,143$2,823$1,877$1,222$783$185
35 years$3,981$2,678$1,755$1,125$709$159
36 years$3,828$2,542$1,641$1,036$642$137
37 years$3,683$2,414$1,536$954$582$118
38 years$3,547$2,294$1,439$880$528$101
39 years$3,417$2,182$1,348$811$479$87
40 years$3,295$2,076$1,263$748$434$75
41 years$3,179$1,976$1,185$690$394$64
42 years$3,068$1,882$1,111$637$357$55
43 years$2,963$1,793$1,043$588$324$48
44 years$2,863$1,709$979$543$294$41
45 years$2,768$1,630$919$501$267$35
46 years$2,677$1,555$863$463$243$30
47 years$2,591$1,484$811$428$220$26
48 years$2,508$1,416$762$395$200$23
49 years$2,429$1,353$716$365$182$19
50 years$2,353$1,292$673$338$165$17

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,410,000, adding $5,838 every year, while hoping to spend $50,143 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: 38/40/22 Blend
51$2,410,000$2,410,000$2,410,000$2,410,000
52$2,661,842$2,534,112$2,496,757$2,745,278
53$2,879,998$2,604,932$2,527,046$2,877,139
54$3,118,725$2,677,541$2,556,670$3,014,421
55$3,380,070$2,751,975$2,585,553$3,161,775
56$3,666,283$2,828,267$2,613,615$3,320,140
57$3,979,845$2,906,454$2,640,772$3,490,550
58$4,323,488$2,986,569$2,666,937$3,674,145
59$4,700,221$3,068,648$2,692,016$3,872,177
60$5,113,355$3,152,724$2,715,911$4,086,025
61$5,566,542$3,238,831$2,738,518$4,317,210
62$6,063,799$3,327,004$2,759,729$4,567,403
63$6,609,556$3,417,276$2,779,429$4,838,447
64$7,208,687$3,509,680$2,797,496$5,132,371
65$7,866,566$3,604,247$2,813,806$5,451,408
66$8,589,111$3,701,010$2,828,223$5,798,021
67$9,382,840$3,799,999$2,840,608$6,174,920
68$10,254,935$3,901,244$2,850,814$6,585,092
69$11,213,308$4,004,775$2,858,685$7,031,827
70$12,266,674$4,110,618$2,864,060$7,518,750
71$13,424,636$4,218,799$2,866,768$8,049,854
72$14,697,774$4,329,345$2,866,629$8,629,540
73$16,097,742$4,442,278$2,863,456$9,262,655
74$17,637,381$4,557,620$2,857,052$9,954,541
75$19,330,841$4,675,390$2,847,210$10,711,085
76$21,193,708$4,795,606$2,833,713$11,538,771
77$23,243,159$4,918,282$2,816,335$12,444,748
78$25,498,115$5,043,433$2,794,836$13,436,892
79$27,979,428$5,171,066$2,768,968$14,523,880
80$30,710,071$5,301,190$2,738,470$15,715,276
81$33,715,357$5,433,806$2,703,067$17,021,621
82$37,023,177$5,568,916$2,662,474$18,454,530
83$40,664,264$5,706,516$2,616,389$20,026,801
84$44,672,480$5,846,596$2,564,499$21,752,541
85$49,085,138$5,989,145$2,506,476$23,647,296
86$53,943,354$6,134,145$2,441,974$25,728,197
87$59,292,431$6,281,573$2,370,636$28,014,124
88$65,182,290$6,431,401$2,292,083$30,525,886
89$71,667,939$6,583,595$2,205,923$33,286,414
90$78,809,991$6,738,113$2,111,743$36,320,979
91$86,675,238$6,894,909$2,009,114$39,657,434
92$95,337,279$7,053,926$1,897,586$43,326,475
93$104,877,214$7,215,101$1,776,689$47,361,929
94$115,384,413$7,378,364$1,645,930$51,801,080
95$126,957,352$7,543,632$1,504,798$56,685,015
96$139,704,548$7,710,817$1,352,755$62,059,018
97$153,745,581$7,879,816$1,189,241$67,972,994
98$169,212,221$8,050,517$1,013,671$74,481,944
99$186,249,672$8,222,798$825,435$81,646,483
100$205,017,945$8,396,522$623,893$89,533,415