Can I retire at age 52 with 2,440,000?

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 $2,440,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.7%
1 years$201,493$199,698$197,947$196,238$194,569$191,582
2 years$99,749$97,891$96,091$94,345$92,652$89,650
3 years$65,839$63,973$62,177$60,448$58,782$55,859
4 years$48,887$47,027$45,249$43,549$41,924$39,101
5 years$38,719$36,870$35,115$33,450$31,870$29,156
6 years$31,942$30,107$28,378$26,750$25,218$22,616
7 years$27,103$25,284$23,582$21,993$20,509$18,020
8 years$23,476$21,673$20,000$18,449$17,014$14,638
9 years$20,656$18,870$17,226$15,715$14,328$12,063
10 years$18,402$16,633$15,018$13,546$12,208$10,053
11 years$16,558$14,807$13,221$11,789$10,500$8,452
12 years$15,023$13,290$11,734$10,341$9,099$7,156
13 years$13,725$12,011$10,483$9,129$7,934$6,093
14 years$12,614$10,917$9,419$8,104$6,955$5,213
15 years$11,651$9,973$8,504$7,227$6,124$4,478
16 years$10,810$9,150$7,710$6,471$5,412$3,859
17 years$10,069$8,427$7,016$5,814$4,799$3,335
18 years$9,410$7,787$6,405$5,240$4,267$2,889
19 years$8,822$7,217$5,863$4,735$3,803$2,508
20 years$8,293$6,706$5,381$4,288$3,397$2,180
21 years$7,815$6,247$4,950$3,892$3,040$1,899
22 years$7,381$5,831$4,562$3,539$2,725$1,655
23 years$6,985$5,454$4,212$3,223$2,446$1,445
24 years$6,623$5,110$3,895$2,939$2,199$1,262
25 years$6,291$4,795$3,608$2,684$1,978$1,104
26 years$5,984$4,507$3,346$2,454$1,782$966
27 years$5,701$4,241$3,107$2,247$1,607$846
28 years$5,438$3,997$2,889$2,058$1,450$741
29 years$5,194$3,770$2,688$1,888$1,309$650
30 years$4,967$3,561$2,504$1,732$1,183$570
31 years$4,754$3,366$2,334$1,591$1,069$500
32 years$4,556$3,185$2,178$1,462$967$438
33 years$4,370$3,016$2,033$1,345$875$385
34 years$4,195$2,859$1,900$1,237$793$338
35 years$4,030$2,711$1,776$1,139$718$297
36 years$3,875$2,573$1,662$1,049$650$261
37 years$3,729$2,444$1,555$966$590$229
38 years$3,591$2,323$1,457$891$534$201
39 years$3,460$2,209$1,365$821$485$177
40 years$3,336$2,102$1,279$758$440$155
41 years$3,218$2,000$1,199$699$399$137
42 years$3,106$1,905$1,125$645$362$120
43 years$3,000$1,815$1,056$595$328$105
44 years$2,899$1,730$991$550$298$93
45 years$2,803$1,650$930$508$271$82
46 years$2,711$1,574$874$469$246$72
47 years$2,623$1,502$821$433$223$63
48 years$2,539$1,434$772$400$203$55
49 years$2,459$1,369$725$370$184$49
50 years$2,382$1,308$682$342$167$43

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,440,000, adding $3,795 every year, while hoping to spend $34,374 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: 62/33/5 Blend
51$2,440,000$2,440,000$2,440,000$2,440,000
52$2,692,795$2,563,475$2,525,655$2,857,419
53$2,930,886$2,652,511$2,573,690$3,056,679
54$3,192,111$2,744,758$2,622,183$3,269,691
55$3,478,792$2,840,337$2,671,112$3,501,274
56$3,793,489$2,939,374$2,720,455$3,753,221
57$4,139,020$3,041,999$2,770,186$4,027,500
58$4,518,492$3,148,349$2,820,278$4,326,279
59$4,935,324$3,258,564$2,870,704$4,651,943
60$5,393,285$3,372,792$2,921,431$5,007,117
61$5,896,528$3,491,186$2,972,426$5,394,688
62$6,449,624$3,613,904$3,023,652$5,817,834
63$7,057,613$3,741,113$3,075,072$6,280,053
64$7,726,046$3,872,984$3,126,644$6,785,195
65$8,461,039$4,009,697$3,178,322$7,337,499
66$9,269,329$4,151,436$3,230,061$7,941,631
67$10,158,341$4,298,397$3,281,808$8,602,727
68$11,136,254$4,450,780$3,333,511$9,326,442
69$12,212,080$4,608,796$3,385,111$10,119,005
70$13,395,747$4,772,662$3,436,547$10,987,271
71$14,698,196$4,942,606$3,487,755$11,938,790
72$16,131,482$5,118,864$3,538,664$12,981,877
73$17,708,886$5,301,681$3,589,203$14,125,689
74$19,445,044$5,491,314$3,639,292$15,380,308
75$21,356,079$5,688,030$3,688,849$16,756,841
76$23,459,761$5,892,105$3,737,788$18,267,519
77$25,775,668$6,103,829$3,786,014$19,925,815
78$28,325,371$6,323,502$3,833,431$21,746,565
79$31,132,643$6,551,438$3,879,935$23,746,116
80$34,223,676$6,787,962$3,925,417$25,942,471
81$37,627,333$7,033,414$3,969,760$28,355,461
82$41,375,418$7,288,148$4,012,844$31,006,932
83$45,502,975$7,552,532$4,054,539$33,920,950
84$50,048,622$7,826,949$4,094,709$37,124,026
85$55,054,912$8,111,800$4,133,212$40,645,364
86$60,568,735$8,407,500$4,169,897$44,517,139
87$66,641,762$8,714,484$4,204,605$48,774,796
88$73,330,931$9,033,203$4,237,168$53,457,386
89$80,698,984$9,364,128$4,267,411$58,607,930
90$88,815,060$9,707,750$4,295,149$64,273,828
91$97,755,346$10,064,579$4,320,186$70,507,301
92$107,603,798$10,435,150$4,342,319$77,365,884
93$118,452,929$10,820,017$4,361,331$84,912,970
94$130,404,689$11,219,759$4,376,997$93,218,402
95$143,571,420$11,634,979$4,389,078$102,359,133
96$158,076,919$12,066,307$4,397,326$112,419,953
97$174,057,607$12,514,398$4,401,479$123,494,283
98$191,663,815$12,979,937$4,401,262$135,685,059
99$211,061,206$13,463,635$4,396,385$149,105,699
100$232,432,332$13,966,236$4,386,547$163,881,173