Can I retire at age 52 with 2,490,000?

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 $2,490,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.9%
1 years$205,622$203,790$202,003$200,259$198,556$196,156
2 years$101,793$99,897$98,060$96,278$94,551$92,135
3 years$67,188$65,284$63,451$61,687$59,987$57,631
4 years$49,889$47,991$46,176$44,442$42,783$40,505
5 years$39,512$37,625$35,835$34,135$32,523$30,330
6 years$32,596$30,724$28,960$27,298$25,734$23,628
7 years$27,659$25,802$24,066$22,444$20,929$18,911
8 years$23,957$22,117$20,410$18,827$17,363$15,432
9 years$21,079$19,257$17,579$16,037$14,622$12,779
10 years$18,779$16,974$15,326$13,824$12,458$10,701
11 years$16,898$15,111$13,492$12,031$10,715$9,041
12 years$15,331$13,563$11,974$10,553$9,285$7,694
13 years$14,007$12,257$10,698$9,316$8,097$6,586
14 years$12,872$11,141$9,612$8,270$7,098$5,665
15 years$11,890$10,178$8,679$7,375$6,249$4,893
16 years$11,032$9,338$7,868$6,604$5,523$4,240
17 years$10,275$8,600$7,160$5,934$4,897$3,685
18 years$9,603$7,946$6,536$5,347$4,354$3,211
19 years$9,002$7,365$5,984$4,832$3,881$2,803
20 years$8,463$6,844$5,491$4,376$3,467$2,452
21 years$7,975$6,375$5,051$3,972$3,102$2,148
22 years$7,532$5,950$4,655$3,611$2,781$1,884
23 years$7,129$5,565$4,298$3,289$2,496$1,655
24 years$6,759$5,214$3,975$2,999$2,244$1,455
25 years$6,420$4,893$3,682$2,739$2,019$1,280
26 years$6,107$4,599$3,415$2,505$1,819$1,127
27 years$5,818$4,328$3,171$2,293$1,640$994
28 years$5,550$4,078$2,948$2,100$1,479$876
29 years$5,301$3,848$2,743$1,926$1,336$773
30 years$5,069$3,634$2,555$1,768$1,207$682
31 years$4,852$3,435$2,382$1,624$1,091$602
32 years$4,649$3,250$2,223$1,492$987$532
33 years$4,459$3,078$2,075$1,372$893$470
34 years$4,281$2,917$1,939$1,262$809$416
35 years$4,113$2,767$1,813$1,162$733$367
36 years$3,955$2,626$1,696$1,070$664$325
37 years$3,805$2,494$1,587$986$602$287
38 years$3,664$2,370$1,486$909$545$254
39 years$3,531$2,254$1,393$838$495$225
40 years$3,404$2,145$1,305$773$449$199
41 years$3,284$2,041$1,224$713$407$176
42 years$3,170$1,944$1,148$658$369$156
43 years$3,062$1,852$1,077$608$335$138
44 years$2,958$1,766$1,011$561$304$122
45 years$2,860$1,684$950$518$276$108
46 years$2,766$1,606$892$479$251$96
47 years$2,677$1,533$838$442$228$85
48 years$2,591$1,463$787$409$207$75
49 years$2,509$1,397$740$378$188$66
50 years$2,431$1,335$696$349$171$59

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,490,000, adding $4,270 every year, while hoping to spend $46,906 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: 36/43/21 Blend
51$2,490,000$2,490,000$2,490,000$2,490,000
52$2,748,385$2,616,415$2,577,820$2,829,717
53$2,978,812$2,694,711$2,614,269$2,967,881
54$3,231,171$2,775,272$2,650,367$3,112,272
55$3,507,649$2,858,159$2,686,053$3,267,194
56$3,810,656$2,943,435$2,721,262$3,433,618
57$4,142,843$3,031,164$2,755,925$3,612,611
58$4,507,134$3,121,412$2,789,969$3,805,344
59$4,906,747$3,214,246$2,823,318$4,013,110
60$5,345,226$3,309,736$2,855,891$4,237,329
61$5,826,478$3,407,951$2,887,601$4,479,562
62$6,354,802$3,508,964$2,918,359$4,741,528
63$6,934,937$3,612,848$2,948,070$5,025,122
64$7,572,102$3,719,679$2,976,631$5,332,424
65$8,272,046$3,829,534$3,003,939$5,665,728
66$9,041,104$3,942,490$3,029,880$6,027,558
67$9,886,253$4,058,629$3,054,337$6,420,692
68$10,815,180$4,178,031$3,077,187$6,848,192
69$11,836,355$4,300,781$3,098,299$7,313,425
70$12,959,108$4,426,963$3,117,536$7,820,103
71$14,193,717$4,556,665$3,134,754$8,372,312
72$15,551,509$4,689,975$3,149,802$8,974,551
73$17,044,963$4,826,983$3,162,519$9,631,778
74$18,687,825$4,967,781$3,172,740$10,349,452
75$20,495,244$5,112,463$3,180,287$11,133,586
76$22,483,909$5,261,124$3,184,977$11,990,806
77$24,672,210$5,413,862$3,186,616$12,928,407
78$27,080,408$5,570,774$3,185,001$13,954,430
79$29,730,829$5,731,961$3,179,918$15,077,730
80$32,648,072$5,897,525$3,171,143$16,308,063
81$35,859,241$6,067,570$3,158,443$17,656,179
82$39,394,204$6,242,201$3,141,570$19,133,921
83$43,285,868$6,421,524$3,120,268$20,754,337
84$47,570,496$6,605,648$3,094,266$22,531,802
85$52,288,044$6,794,682$3,063,282$24,482,157
86$57,482,540$6,988,737$3,027,018$26,622,855
87$63,202,501$7,187,927$2,985,164$28,973,126
88$69,501,385$7,392,364$2,937,396$31,554,160
89$76,438,100$7,602,164$2,883,373$34,389,305
90$84,077,558$7,817,442$2,822,738$37,504,288
91$92,491,289$8,038,317$2,755,120$40,927,459
92$101,758,112$8,264,906$2,680,127$44,690,055
93$111,964,881$8,497,328$2,597,353$48,826,500
94$123,207,305$8,735,703$2,506,371$53,374,724
95$135,590,849$8,980,151$2,406,733$58,376,526
96$149,231,731$9,230,795$2,297,975$63,877,965
97$164,258,018$9,487,754$2,179,607$69,929,796
98$180,810,832$9,751,150$2,051,120$76,587,952
99$199,045,687$10,021,106$1,911,982$83,914,066
100$219,133,949$10,297,742$1,761,635$91,976,057