Can I retire at age 52 with 2,520,000?

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 $2,520,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%20%
1 years$208,099$206,246$204,437$202,672$200,948$192,899
2 years$103,019$101,101$99,241$97,438$95,690$87,682
3 years$67,997$66,070$64,216$62,430$60,709$52,994
4 years$50,490$48,569$46,733$44,977$43,299$35,935
5 years$39,988$38,079$36,266$34,547$32,915$25,922
6 years$32,989$31,094$29,309$27,627$26,044$19,426
7 years$27,992$26,113$24,356$22,714$21,181$14,935
8 years$24,246$22,383$20,655$19,054$17,572$11,692
9 years$21,333$19,489$17,791$16,230$14,798$9,274
10 years$19,005$17,178$15,510$13,990$12,609$7,431
11 years$17,101$15,293$13,655$12,176$10,844$6,000
12 years$15,516$13,726$12,118$10,680$9,397$4,874
13 years$14,175$12,404$10,827$9,429$8,194$3,978
14 years$13,027$11,275$9,728$8,370$7,183$3,259
15 years$12,033$10,300$8,783$7,464$6,325$2,678
16 years$11,165$9,450$7,963$6,683$5,590$2,206
17 years$10,399$8,703$7,246$6,005$4,956$1,821
18 years$9,719$8,042$6,615$5,412$4,407$1,506
19 years$9,111$7,453$6,056$4,890$3,928$1,247
20 years$8,565$6,926$5,558$4,429$3,508$1,033
21 years$8,071$6,451$5,112$4,019$3,140$857
22 years$7,623$6,022$4,711$3,655$2,814$712
23 years$7,214$5,632$4,350$3,328$2,526$591
24 years$6,840$5,277$4,023$3,036$2,271$491
25 years$6,497$4,952$3,726$2,772$2,043$409
26 years$6,180$4,654$3,456$2,535$1,840$340
27 years$5,888$4,380$3,209$2,320$1,659$283
28 years$5,617$4,128$2,983$2,126$1,497$235
29 years$5,364$3,894$2,776$1,949$1,352$196
30 years$5,130$3,677$2,586$1,789$1,222$163
31 years$4,910$3,476$2,411$1,643$1,104$136
32 years$4,705$3,289$2,249$1,510$999$113
33 years$4,513$3,115$2,100$1,389$904$94
34 years$4,332$2,952$1,962$1,278$819$79
35 years$4,162$2,800$1,835$1,176$741$65
36 years$4,002$2,658$1,716$1,083$672$55
37 years$3,851$2,524$1,606$998$609$45
38 years$3,708$2,399$1,504$920$552$38
39 years$3,573$2,281$1,409$848$501$32
40 years$3,445$2,170$1,321$782$454$26
41 years$3,324$2,066$1,239$722$412$22
42 years$3,208$1,968$1,162$666$374$18
43 years$3,099$1,875$1,090$615$339$15
44 years$2,994$1,787$1,023$568$308$13
45 years$2,895$1,704$961$524$280$11
46 years$2,800$1,626$903$484$254$9
47 years$2,709$1,551$848$447$230$7
48 years$2,622$1,481$797$414$209$6
49 years$2,540$1,414$749$382$190$5
50 years$2,460$1,351$704$353$173$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,520,000, adding $2,113 every year, while hoping to spend $39,901 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: 59/23/18 Blend
51$2,520,000$2,520,000$2,520,000$2,520,000
52$2,779,220$2,645,660$2,606,600$2,930,048
53$3,020,246$2,732,843$2,651,466$3,119,598
54$3,284,519$2,822,960$2,696,499$3,321,647
55$3,574,369$2,916,114$2,741,660$3,541,085
56$3,892,360$3,012,410$2,786,912$3,779,598
57$4,241,320$3,111,956$2,832,212$4,039,043
58$4,624,358$3,214,866$2,877,515$4,321,461
59$5,044,906$3,321,257$2,922,775$4,629,102
60$5,506,738$3,431,251$2,967,940$4,964,442
61$6,014,016$3,544,973$3,012,956$5,330,204
62$6,571,322$3,662,553$3,057,766$5,729,391
63$7,183,705$3,784,126$3,102,310$6,165,306
64$7,856,728$3,909,833$3,146,522$6,641,587
65$8,596,518$4,039,819$3,190,335$7,162,242
66$9,409,826$4,174,234$3,233,675$7,731,682
67$10,304,091$4,313,234$3,276,465$8,354,766
68$11,287,506$4,456,980$3,318,624$9,036,848
69$12,369,100$4,605,640$3,360,067$9,783,820
70$13,558,820$4,759,388$3,400,701$10,602,177
71$14,867,626$4,918,405$3,440,430$11,499,068
72$16,307,593$5,082,875$3,479,154$12,482,372
73$17,892,025$5,252,994$3,516,764$13,560,767
74$19,635,583$5,428,963$3,553,147$14,743,810
75$21,554,419$5,610,988$3,588,184$16,042,033
76$23,666,331$5,799,288$3,621,749$17,467,036
77$25,990,928$5,994,084$3,653,709$19,031,598
78$28,549,820$6,195,611$3,683,925$20,749,800
79$31,366,814$6,404,109$3,712,249$22,637,151
80$34,468,146$6,619,828$3,738,527$24,710,743
81$37,882,725$6,843,027$3,762,595$26,989,402
82$41,642,404$7,073,976$3,784,283$29,493,873
83$45,782,283$7,312,955$3,803,410$32,247,010
84$50,341,039$7,560,252$3,819,787$35,273,997
85$55,361,290$7,816,170$3,833,215$38,602,578
86$60,889,999$8,081,020$3,843,485$42,263,324
87$66,978,915$8,355,125$3,850,378$46,289,920
88$73,685,061$8,638,824$3,853,663$50,719,478
89$81,071,275$8,932,463$3,853,098$55,592,895
90$89,206,798$9,236,407$3,848,430$60,955,230
91$98,167,931$9,551,031$3,839,392$66,856,134
92$108,038,754$9,876,726$3,825,706$73,350,317
93$118,911,919$10,213,897$3,807,079$80,498,062
94$130,889,523$10,562,966$3,783,204$88,365,797
95$144,084,072$10,924,370$3,753,759$97,026,718
96$158,619,546$11,298,562$3,718,409$106,561,478
97$174,632,564$11,686,016$3,676,800$117,058,956
98$192,273,675$12,087,220$3,628,562$128,617,084
99$211,708,780$12,502,684$3,573,308$141,343,779
100$233,120,695$12,932,936$3,510,635$155,357,957