Can I retire at age 52 with 2,450,000?

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 $2,450,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.3%
1 years$202,319$200,517$198,758$197,042$195,366$188,810
2 years$100,158$98,292$96,485$94,732$93,032$86,491
3 years$66,109$64,235$62,432$60,696$59,023$52,704
4 years$49,087$47,220$45,434$43,728$42,096$36,046
5 years$38,877$37,021$35,259$33,587$32,001$26,236
6 years$32,073$30,230$28,495$26,860$25,321$19,846
7 years$27,214$25,387$23,679$22,083$20,593$15,407
8 years$23,572$21,762$20,082$18,525$17,084$12,183
9 years$20,741$18,947$17,296$15,779$14,387$9,766
10 years$18,477$16,701$15,079$13,602$12,258$7,910
11 years$16,626$14,868$13,276$11,838$10,543$6,457
12 years$15,085$13,345$11,782$10,383$9,136$5,305
13 years$13,782$12,060$10,526$9,167$7,967$4,380
14 years$12,666$10,962$9,458$8,137$6,984$3,632
15 years$11,699$10,014$8,539$7,257$6,149$3,021
16 years$10,854$9,188$7,742$6,498$5,434$2,519
17 years$10,110$8,462$7,045$5,838$4,819$2,106
18 years$9,449$7,819$6,431$5,261$4,284$1,763
19 years$8,858$7,246$5,887$4,754$3,819$1,479
20 years$8,327$6,734$5,403$4,306$3,411$1,242
21 years$7,847$6,272$4,970$3,908$3,052$1,044
22 years$7,411$5,855$4,580$3,553$2,736$878
23 years$7,014$5,476$4,229$3,236$2,456$740
24 years$6,650$5,131$3,911$2,951$2,208$623
25 years$6,316$4,815$3,623$2,695$1,987$525
26 years$6,009$4,525$3,360$2,464$1,789$443
27 years$5,724$4,259$3,120$2,256$1,613$374
28 years$5,461$4,013$2,900$2,067$1,456$315
29 years$5,215$3,786$2,699$1,895$1,314$266
30 years$4,987$3,575$2,514$1,739$1,188$225
31 years$4,774$3,380$2,344$1,597$1,074$190
32 years$4,575$3,198$2,187$1,468$971$160
33 years$4,388$3,029$2,042$1,350$879$135
34 years$4,212$2,870$1,908$1,242$796$114
35 years$4,047$2,722$1,784$1,143$721$97
36 years$3,891$2,584$1,669$1,053$653$82
37 years$3,744$2,454$1,562$970$592$69
38 years$3,605$2,332$1,462$894$537$58
39 years$3,474$2,218$1,370$825$487$49
40 years$3,350$2,110$1,284$761$441$42
41 years$3,231$2,009$1,204$702$400$35
42 years$3,119$1,913$1,130$648$363$30
43 years$3,013$1,823$1,060$598$330$25
44 years$2,911$1,737$995$552$299$21
45 years$2,814$1,657$934$510$272$18
46 years$2,722$1,580$877$471$247$15
47 years$2,634$1,508$824$435$224$13
48 years$2,550$1,440$775$402$203$11
49 years$2,469$1,375$728$372$185$9
50 years$2,392$1,313$685$343$168$8

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,450,000, adding $6,671 every year, while hoping to spend $21,909 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: 69/6/25 Blend
51$2,450,000$2,450,000$2,450,000$2,450,000
52$2,706,781$2,576,931$2,538,956$2,875,815
53$2,959,562$2,679,890$2,600,700$3,092,924
54$3,237,392$2,787,159$2,663,778$3,327,290
55$3,542,803$2,898,927$2,728,212$3,583,263
56$3,878,585$3,015,391$2,794,023$3,862,983
57$4,247,811$3,136,755$2,861,233$4,168,805
58$4,653,866$3,263,235$2,929,863$4,503,322
59$5,100,482$3,395,054$2,999,935$4,869,391
60$5,591,768$3,532,449$3,071,470$5,270,158
61$6,132,253$3,675,663$3,144,488$5,709,086
62$6,726,926$3,824,954$3,219,012$6,189,992
63$7,381,285$3,980,590$3,295,062$6,717,078
64$8,101,388$4,142,850$3,372,658$7,294,973
65$8,893,908$4,312,028$3,451,820$7,928,776
66$9,766,200$4,488,431$3,532,570$8,624,102
67$10,726,366$4,672,378$3,614,925$9,387,140
68$11,783,336$4,864,206$3,698,906$10,224,704
69$12,946,948$5,064,263$3,784,531$11,144,301
70$14,228,042$5,272,917$3,871,818$12,154,203
71$15,638,564$5,490,552$3,960,785$13,263,522
72$17,191,675$5,717,567$4,051,449$14,482,296
73$18,901,880$5,954,382$4,143,827$15,821,583
74$20,785,161$6,201,436$4,237,934$17,293,568
75$22,859,128$6,459,186$4,333,786$18,911,675
76$25,143,187$6,728,114$4,431,395$20,690,692
77$27,658,721$7,008,721$4,530,776$22,646,916
78$30,429,294$7,301,532$4,631,941$24,798,298
79$33,480,872$7,607,096$4,734,900$27,164,621
80$36,842,065$7,925,989$4,839,663$29,767,679
81$40,544,404$8,258,810$4,946,240$32,631,486
82$44,622,631$8,606,190$5,054,637$35,782,503
83$49,115,032$8,968,786$5,164,861$39,249,883
84$54,063,797$9,347,288$5,276,915$43,065,752
85$59,515,415$9,742,416$5,390,802$47,265,505
86$65,521,117$10,154,924$5,506,524$51,888,146
87$72,137,357$10,585,602$5,624,079$56,976,649
88$79,426,346$11,035,275$5,743,464$62,578,372
89$87,456,638$11,504,807$5,864,674$68,745,492
90$96,303,777$11,995,105$5,987,703$75,535,510
91$106,051,010$12,507,113$6,112,539$83,011,781
92$116,790,076$13,041,824$6,239,171$91,244,119
93$128,622,064$13,600,274$6,367,585$100,309,456
94$141,658,377$14,183,550$6,497,761$110,292,560
95$156,021,774$14,792,787$6,629,679$121,286,844
96$171,847,537$15,429,175$6,763,315$133,395,241
97$189,284,741$16,093,960$6,898,641$146,731,176
98$208,497,666$16,788,445$7,035,627$161,419,639
99$229,667,344$17,513,996$7,174,237$177,598,361
100$252,993,272$18,272,040$7,314,432$195,419,114