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%18.1%
1 years$207,273$205,427$203,626$201,868$200,151$193,589
2 years$102,611$100,700$98,848$97,052$95,310$88,762
3 years$67,728$65,808$63,961$62,182$60,469$54,139
4 years$50,289$48,376$46,547$44,799$43,127$37,065
5 years$39,829$37,927$36,122$34,410$32,784$27,006
6 years$32,858$30,971$29,192$27,518$25,941$20,451
7 years$27,881$26,009$24,259$22,624$21,097$15,895
8 years$24,149$22,295$20,574$18,979$17,502$12,584
9 years$21,249$19,411$17,720$16,166$14,739$10,100
10 years$18,930$17,110$15,449$13,935$12,559$8,190
11 years$17,033$15,232$13,601$12,127$10,801$6,695
12 years$15,454$13,672$12,070$10,637$9,360$5,508
13 years$14,119$12,355$10,784$9,391$8,162$4,554
14 years$12,976$11,230$9,690$8,337$7,155$3,781
15 years$11,986$10,259$8,748$7,435$6,300$3,149
16 years$11,120$9,413$7,932$6,657$5,568$2,630
17 years$10,357$8,669$7,217$5,981$4,937$2,202
18 years$9,680$8,010$6,589$5,390$4,389$1,847
19 years$9,075$7,424$6,032$4,871$3,912$1,551
20 years$8,531$6,899$5,535$4,411$3,495$1,304
21 years$8,039$6,426$5,092$4,003$3,127$1,098
22 years$7,593$5,998$4,693$3,640$2,803$926
23 years$7,186$5,610$4,333$3,315$2,516$781
24 years$6,813$5,256$4,007$3,024$2,262$659
25 years$6,471$4,933$3,711$2,761$2,035$556
26 years$6,156$4,636$3,442$2,525$1,833$470
27 years$5,864$4,363$3,196$2,311$1,653$397
28 years$5,594$4,111$2,971$2,117$1,491$336
29 years$5,343$3,878$2,765$1,942$1,347$284
30 years$5,109$3,663$2,576$1,782$1,217$240
31 years$4,891$3,463$2,401$1,637$1,100$203
32 years$4,687$3,276$2,240$1,504$995$172
33 years$4,495$3,103$2,092$1,383$901$145
34 years$4,315$2,941$1,954$1,273$815$123
35 years$4,146$2,789$1,827$1,171$738$104
36 years$3,986$2,647$1,709$1,079$669$88
37 years$3,836$2,514$1,600$994$606$75
38 years$3,694$2,390$1,498$916$550$63
39 years$3,559$2,272$1,404$845$499$53
40 years$3,432$2,162$1,316$779$452$45
41 years$3,311$2,058$1,234$719$410$38
42 years$3,196$1,960$1,157$664$372$32
43 years$3,086$1,867$1,086$612$338$27
44 years$2,982$1,780$1,019$566$307$23
45 years$2,883$1,697$957$522$278$20
46 years$2,789$1,619$899$482$253$17
47 years$2,698$1,545$845$446$230$14
48 years$2,612$1,475$794$412$208$12
49 years$2,530$1,409$746$381$189$10
50 years$2,451$1,346$701$352$172$9

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 $3,148 every year, while hoping to spend $39,361 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: 64/30/6 Blend
51$2,510,000$2,510,000$2,510,000$2,510,000
52$2,769,267$2,636,237$2,597,332$2,943,527
53$3,009,853$2,723,533$2,642,463$3,147,178
54$3,273,659$2,813,787$2,687,786$3,364,556
55$3,563,012$2,907,103$2,733,268$3,600,930
56$3,880,476$3,003,587$2,778,869$3,858,137
57$4,228,873$3,103,352$2,824,549$4,138,202
58$4,611,313$3,206,512$2,870,267$4,443,351
59$5,031,222$3,313,185$2,915,976$4,776,035
60$5,492,373$3,423,497$2,961,627$5,138,952
61$5,998,921$3,537,575$3,007,168$5,535,069
62$6,555,447$3,655,552$3,052,544$5,967,656
63$7,166,995$3,777,567$3,097,696$6,440,309
64$7,839,121$3,903,760$3,142,562$6,956,989
65$8,577,949$4,034,282$3,187,076$7,522,057
66$9,390,224$4,169,286$3,231,166$8,140,315
67$10,283,376$4,308,930$3,274,759$8,817,048
68$11,265,593$4,453,380$3,317,777$9,558,079
69$12,345,895$4,602,808$3,360,134$10,369,818
70$13,534,222$4,757,391$3,401,744$11,259,326
71$14,841,522$4,917,313$3,442,513$12,234,378
72$16,279,862$5,082,766$3,482,341$13,303,538
73$17,862,535$5,253,948$3,521,126$14,476,236
74$19,604,187$5,431,065$3,558,758$15,762,862
75$21,520,957$5,614,330$3,595,119$17,174,857
76$23,630,628$5,803,966$3,630,089$18,724,827
77$25,952,794$6,000,201$3,663,538$20,426,654
78$28,509,043$6,203,275$3,695,331$22,295,632
79$31,323,165$6,413,435$3,725,324$24,348,608
80$34,421,372$6,630,939$3,753,367$26,604,141
81$37,832,549$6,856,052$3,779,302$29,082,677
82$41,588,523$7,089,052$3,802,962$31,806,740
83$45,724,363$7,330,226$3,824,172$34,801,144
84$50,278,713$7,579,872$3,842,747$38,093,226
85$55,294,157$7,838,301$3,858,494$41,713,105
86$60,817,617$8,105,834$3,871,210$45,693,964
87$66,900,799$8,382,805$3,880,681$50,072,362
88$73,600,679$8,669,561$3,886,682$54,888,578
89$80,980,041$8,966,461$3,888,978$60,186,991
90$89,108,068$9,273,881$3,887,322$66,016,499
91$98,060,998$9,592,208$3,881,454$72,430,976
92$107,922,840$9,921,847$3,871,103$79,489,783
93$118,786,168$10,263,216$3,855,983$87,258,324
94$130,752,994$10,616,750$3,835,796$95,808,667
95$143,935,731$10,982,903$3,810,227$105,220,216
96$158,458,255$11,362,144$3,778,948$115,580,467
97$174,457,069$11,754,962$3,741,616$126,985,827
98$192,082,600$12,161,864$3,697,869$139,542,523
99$211,500,608$12,583,378$3,647,331$153,367,609
100$232,893,758$13,020,053$3,589,605$168,590,063