Can I retire at age 52 with 2,510,000?

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 $2,510,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11%
1 years$207,273$205,427$203,626$201,868$200,151$199,308
2 years$102,611$100,700$98,848$97,052$95,310$94,459
3 years$67,728$65,808$63,961$62,182$60,469$59,635
4 years$50,289$48,376$46,547$44,799$43,127$42,318
5 years$39,829$37,927$36,122$34,410$32,784$32,003
6 years$32,858$30,971$29,192$27,518$25,941$25,188
7 years$27,881$26,009$24,259$22,624$21,097$20,372
8 years$24,149$22,295$20,574$18,979$17,502$16,806
9 years$21,249$19,411$17,720$16,166$14,739$14,071
10 years$18,930$17,110$15,449$13,935$12,559$11,919
11 years$17,033$15,232$13,601$12,127$10,801$10,189
12 years$15,454$13,672$12,070$10,637$9,360$8,775
13 years$14,119$12,355$10,784$9,391$8,162$7,604
14 years$12,976$11,230$9,690$8,337$7,155$6,623
15 years$11,986$10,259$8,748$7,435$6,300$5,793
16 years$11,120$9,413$7,932$6,657$5,568$5,086
17 years$10,357$8,669$7,217$5,981$4,937$4,479
18 years$9,680$8,010$6,589$5,390$4,389$3,955
19 years$9,075$7,424$6,032$4,871$3,912$3,500
20 years$8,531$6,899$5,535$4,411$3,495$3,104
21 years$8,039$6,426$5,092$4,003$3,127$2,758
22 years$7,593$5,998$4,693$3,640$2,803$2,454
23 years$7,186$5,610$4,333$3,315$2,516$2,187
24 years$6,813$5,256$4,007$3,024$2,262$1,951
25 years$6,471$4,933$3,711$2,761$2,035$1,742
26 years$6,156$4,636$3,442$2,525$1,833$1,557
27 years$5,864$4,363$3,196$2,311$1,653$1,393
28 years$5,594$4,111$2,971$2,117$1,491$1,247
29 years$5,343$3,878$2,765$1,942$1,347$1,117
30 years$5,109$3,663$2,576$1,782$1,217$1,001
31 years$4,891$3,463$2,401$1,637$1,100$898
32 years$4,687$3,276$2,240$1,504$995$806
33 years$4,495$3,103$2,092$1,383$901$723
34 years$4,315$2,941$1,954$1,273$815$650
35 years$4,146$2,789$1,827$1,171$738$583
36 years$3,986$2,647$1,709$1,079$669$524
37 years$3,836$2,514$1,600$994$606$471
38 years$3,694$2,390$1,498$916$550$424
39 years$3,559$2,272$1,404$845$499$381
40 years$3,432$2,162$1,316$779$452$343
41 years$3,311$2,058$1,234$719$410$308
42 years$3,196$1,960$1,157$664$372$277
43 years$3,086$1,867$1,086$612$338$249
44 years$2,982$1,780$1,019$566$307$224
45 years$2,883$1,697$957$522$278$202
46 years$2,789$1,619$899$482$253$182
47 years$2,698$1,545$845$446$230$164
48 years$2,612$1,475$794$412$208$147
49 years$2,530$1,409$746$381$189$133
50 years$2,451$1,346$701$352$172$119

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,510,000, adding $4,105 every year, while hoping to spend $42,186 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: 67/15/18 Blend
51$2,510,000$2,510,000$2,510,000$2,510,000
52$2,770,254$2,637,224$2,598,319$2,943,376
53$3,007,935$2,721,563$2,640,477$3,143,992
54$3,268,445$2,808,620$2,682,634$3,357,994
55$3,554,068$2,898,484$2,724,744$3,590,974
56$3,867,321$2,991,248$2,766,761$3,844,797
57$4,210,973$3,087,005$2,808,633$4,121,513
58$4,588,078$3,185,853$2,850,308$4,423,382
59$5,001,996$3,287,894$2,891,727$4,752,890
60$5,456,431$3,393,232$2,932,832$5,112,778
61$5,955,461$3,501,975$2,973,556$5,506,063
62$6,503,581$3,614,235$3,013,832$5,936,066
63$7,105,739$3,730,125$3,053,589$6,406,448
64$7,767,390$3,849,767$3,092,750$6,921,239
65$8,494,540$3,973,282$3,131,233$7,484,880
66$9,293,808$4,100,798$3,168,955$8,102,261
67$10,172,486$4,232,446$3,205,824$8,778,771
68$11,138,606$4,368,362$3,241,745$9,520,343
69$12,201,019$4,508,687$3,276,619$10,333,516
70$13,369,476$4,653,565$3,310,338$11,225,494
71$14,654,719$4,803,147$3,342,792$12,204,211
72$16,068,587$4,957,588$3,373,862$13,278,409
73$17,624,120$5,117,047$3,403,423$14,457,720
74$19,335,689$5,281,691$3,431,347$15,752,755
75$21,219,126$5,451,690$3,457,493$17,175,207
76$23,291,876$5,627,222$3,481,718$18,737,957
77$25,573,161$5,808,470$3,503,870$20,455,197
78$28,084,161$5,995,622$3,523,787$22,342,565
79$30,848,213$6,188,875$3,541,301$24,417,293
80$33,891,031$6,388,431$3,556,235$26,698,364
81$37,240,950$6,594,498$3,568,403$29,206,699
82$40,929,192$6,807,293$3,577,610$31,965,346
83$44,990,158$7,027,040$3,583,649$34,999,705
84$49,461,759$7,253,969$3,586,305$38,337,761
85$54,385,764$7,488,319$3,585,352$42,010,351
86$59,808,204$7,730,339$3,580,553$46,051,456
87$65,779,798$7,980,282$3,571,659$50,498,518
88$72,356,435$8,238,415$3,558,408$55,392,796
89$79,599,704$8,505,009$3,540,527$60,779,755
90$87,577,467$8,780,348$3,517,728$66,709,494
91$96,364,509$9,064,725$3,489,711$73,237,217
92$106,043,233$9,358,441$3,456,162$80,423,757
93$116,704,449$9,661,810$3,416,749$88,336,149
94$128,448,220$9,975,156$3,371,127$97,048,262
95$141,384,812$10,298,813$3,318,934$106,641,496
96$155,635,736$10,633,128$3,259,791$117,205,550
97$171,334,889$10,978,459$3,193,301$128,839,270
98$188,629,821$11,335,176$3,119,050$141,651,579
99$207,683,127$11,703,665$3,036,603$155,762,507
100$228,673,982$12,084,320$2,945,506$171,304,326