Can I retire at age 52 with 2,500,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $2,500,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.2%
1 years$206,448$204,609$202,815$201,063$199,354$192,741
2 years$102,202$100,298$98,454$96,665$94,930$88,332
3 years$67,458$65,546$63,706$61,934$60,228$53,851
4 years$50,089$48,183$46,362$44,620$42,955$36,849
5 years$39,671$37,776$35,979$34,273$32,654$26,835
6 years$32,727$30,847$29,076$27,408$25,838$20,311
7 years$27,770$25,905$24,162$22,534$21,013$15,777
8 years$24,053$22,206$20,492$18,903$17,432$12,483
9 years$21,164$19,334$17,649$16,101$14,680$10,012
10 years$18,854$17,042$15,387$13,879$12,509$8,114
11 years$16,965$15,172$13,547$12,079$10,758$6,629
12 years$15,393$13,617$12,022$10,595$9,322$5,449
13 years$14,063$12,306$10,741$9,354$8,129$4,503
14 years$12,924$11,186$9,651$8,303$7,126$3,735
15 years$11,938$10,218$8,713$7,405$6,274$3,109
16 years$11,076$9,375$7,900$6,630$5,545$2,595
17 years$10,316$8,634$7,189$5,957$4,917$2,171
18 years$9,642$7,978$6,562$5,369$4,372$1,819
19 years$9,039$7,394$6,008$4,851$3,897$1,527
20 years$8,497$6,871$5,513$4,394$3,481$1,283
21 years$8,007$6,400$5,071$3,988$3,115$1,080
22 years$7,562$5,974$4,674$3,626$2,792$909
23 years$7,157$5,588$4,316$3,302$2,506$766
24 years$6,786$5,235$3,991$3,012$2,253$646
25 years$6,445$4,913$3,697$2,750$2,027$545
26 years$6,131$4,617$3,428$2,515$1,826$460
27 years$5,841$4,346$3,184$2,302$1,646$388
28 years$5,572$4,095$2,960$2,109$1,485$328
29 years$5,322$3,863$2,754$1,934$1,341$277
30 years$5,089$3,648$2,565$1,775$1,212$234
31 years$4,871$3,449$2,392$1,630$1,096$198
32 years$4,668$3,263$2,231$1,498$991$167
33 years$4,477$3,090$2,084$1,378$897$141
34 years$4,298$2,929$1,947$1,268$812$120
35 years$4,129$2,778$1,820$1,167$736$101
36 years$3,971$2,637$1,703$1,075$666$85
37 years$3,821$2,504$1,594$990$604$72
38 years$3,679$2,380$1,492$913$548$61
39 years$3,545$2,263$1,398$841$497$52
40 years$3,418$2,153$1,310$776$450$44
41 years$3,297$2,050$1,229$716$409$37
42 years$3,183$1,952$1,153$661$371$31
43 years$3,074$1,860$1,082$610$337$26
44 years$2,970$1,773$1,015$563$305$22
45 years$2,872$1,691$953$520$277$19
46 years$2,777$1,613$895$481$252$16
47 years$2,688$1,539$841$444$229$14
48 years$2,602$1,469$791$410$208$11
49 years$2,519$1,403$743$379$189$10
50 years$2,441$1,340$699$350$171$8

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,500,000, adding $5,736 every year, while hoping to spend $27,095 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: 78/13/9 Blend
51$2,500,000$2,500,000$2,500,000$2,500,000
52$2,760,917$2,628,417$2,589,667$2,971,962
53$3,013,701$2,728,380$2,647,592$3,211,356
54$3,291,362$2,832,334$2,706,549$3,469,763
55$3,596,407$2,940,445$2,766,545$3,752,375
56$3,931,601$3,052,886$2,827,584$4,061,591
57$4,299,987$3,169,841$2,889,672$4,400,054
58$4,704,921$3,291,499$2,952,811$4,770,674
59$5,150,098$3,418,057$3,017,005$5,176,654
60$5,639,590$3,549,723$3,082,256$5,621,523
61$6,177,880$3,686,712$3,148,564$6,109,166
62$6,769,913$3,829,250$3,215,930$6,643,861
63$7,421,133$3,977,572$3,284,352$7,230,321
64$8,137,539$4,131,923$3,353,828$7,873,736
65$8,925,740$4,292,560$3,424,354$8,579,822
66$9,793,021$4,459,751$3,495,925$9,354,877
67$10,747,406$4,633,775$3,568,535$10,205,833
68$11,797,735$4,814,924$3,642,175$11,140,333
69$12,953,753$5,003,504$3,716,836$12,166,789
70$14,226,192$5,199,832$3,792,507$13,294,471
71$15,626,882$5,404,242$3,869,174$14,533,592
72$17,168,855$5,617,081$3,946,823$15,895,399
73$18,866,472$5,838,713$4,025,436$17,392,284
74$20,735,558$6,069,515$4,104,993$19,037,900
75$22,793,549$6,309,885$4,185,474$20,847,287
76$25,059,658$6,560,237$4,266,855$22,837,013
77$27,555,057$6,821,002$4,349,108$25,025,335
78$30,303,075$7,092,633$4,432,206$27,432,363
79$33,329,419$7,375,603$4,516,115$30,080,256
80$36,662,416$7,670,404$4,600,802$32,993,427
81$40,333,281$7,977,552$4,686,227$36,198,774
82$44,376,411$8,297,587$4,772,350$39,725,933
83$48,829,707$8,631,071$4,859,126$43,607,555
84$53,734,936$8,978,593$4,946,506$47,879,618
85$59,138,124$9,340,768$5,034,439$52,581,763
86$65,089,987$9,718,240$5,122,867$57,757,665
87$71,646,413$10,111,682$5,211,730$63,455,451
88$78,868,988$10,521,795$5,300,964$69,728,146
89$86,825,577$10,949,315$5,390,498$76,634,180
90$95,590,964$11,395,009$5,480,258$84,237,931
91$105,247,560$11,859,682$5,570,164$92,610,339
92$115,886,178$12,344,173$5,660,131$101,829,570
93$127,606,891$12,849,360$5,750,068$111,981,755
94$140,519,976$13,376,162$5,839,878$123,161,799
95$154,746,958$13,925,538$5,929,458$135,474,282
96$170,421,751$14,498,492$6,018,698$149,034,439
97$187,691,926$15,096,075$6,107,482$163,969,248
98$206,720,105$15,719,386$6,195,685$180,418,631
99$227,685,492$16,369,572$6,283,177$198,536,769
100$250,785,567$17,047,835$6,369,817$218,493,559