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%14.8%
1 years$208,099$206,246$204,437$202,672$200,948$196,972
2 years$103,019$101,101$99,241$97,438$95,690$91,700
3 years$67,997$66,070$64,216$62,430$60,709$56,831
4 years$50,490$48,569$46,733$44,977$43,299$39,562
5 years$39,988$38,079$36,266$34,547$32,915$29,330
6 years$32,989$31,094$29,309$27,627$26,044$22,615
7 years$27,992$26,113$24,356$22,714$21,181$17,909
8 years$24,246$22,383$20,655$19,054$17,572$14,455
9 years$21,333$19,489$17,791$16,230$14,798$11,835
10 years$19,005$17,178$15,510$13,990$12,609$9,796
11 years$17,101$15,293$13,655$12,176$10,844$8,179
12 years$15,516$13,726$12,118$10,680$9,397$6,876
13 years$14,175$12,404$10,827$9,429$8,194$5,813
14 years$13,027$11,275$9,728$8,370$7,183$4,936
15 years$12,033$10,300$8,783$7,464$6,325$4,208
16 years$11,165$9,450$7,963$6,683$5,590$3,599
17 years$10,399$8,703$7,246$6,005$4,956$3,086
18 years$9,719$8,042$6,615$5,412$4,407$2,652
19 years$9,111$7,453$6,056$4,890$3,928$2,283
20 years$8,565$6,926$5,558$4,429$3,508$1,969
21 years$8,071$6,451$5,112$4,019$3,140$1,700
22 years$7,623$6,022$4,711$3,655$2,814$1,470
23 years$7,214$5,632$4,350$3,328$2,526$1,272
24 years$6,840$5,277$4,023$3,036$2,271$1,102
25 years$6,497$4,952$3,726$2,772$2,043$955
26 years$6,180$4,654$3,456$2,535$1,840$829
27 years$5,888$4,380$3,209$2,320$1,659$719
28 years$5,617$4,128$2,983$2,126$1,497$624
29 years$5,364$3,894$2,776$1,949$1,352$542
30 years$5,130$3,677$2,586$1,789$1,222$471
31 years$4,910$3,476$2,411$1,643$1,104$410
32 years$4,705$3,289$2,249$1,510$999$356
33 years$4,513$3,115$2,100$1,389$904$310
34 years$4,332$2,952$1,962$1,278$819$270
35 years$4,162$2,800$1,835$1,176$741$235
36 years$4,002$2,658$1,716$1,083$672$204
37 years$3,851$2,524$1,606$998$609$178
38 years$3,708$2,399$1,504$920$552$155
39 years$3,573$2,281$1,409$848$501$135
40 years$3,445$2,170$1,321$782$454$117
41 years$3,324$2,066$1,239$722$412$102
42 years$3,208$1,968$1,162$666$374$89
43 years$3,099$1,875$1,090$615$339$77
44 years$2,994$1,787$1,023$568$308$67
45 years$2,895$1,704$961$524$280$59
46 years$2,800$1,626$903$484$254$51
47 years$2,709$1,551$848$447$230$44
48 years$2,622$1,481$797$414$209$39
49 years$2,540$1,414$749$382$190$34
50 years$2,460$1,351$704$353$173$29

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 $5,123 every year, while hoping to spend $53,617 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: 58/20/22 Blend
51$2,520,000$2,520,000$2,520,000$2,520,000
52$2,782,324$2,648,764$2,609,704$2,927,026
53$3,009,073$2,721,506$2,640,081$3,098,881
54$3,257,154$2,796,014$2,669,679$3,279,943
55$3,528,685$2,872,320$2,698,415$3,476,179
56$3,826,000$2,950,453$2,726,201$3,689,067
57$4,151,669$3,030,443$2,752,946$3,920,234
58$4,508,522$3,112,317$2,778,552$4,171,475
59$4,899,675$3,196,105$2,802,918$4,444,764
60$5,328,562$3,281,834$2,825,935$4,742,275
61$5,798,962$3,369,530$2,847,491$5,066,407
62$6,315,040$3,459,221$2,867,466$5,419,798
63$6,881,383$3,550,932$2,885,734$5,805,357
64$7,503,041$3,644,685$2,902,164$6,226,289
65$8,185,582$3,740,505$2,916,617$6,686,123
66$8,935,134$3,838,413$2,928,946$7,188,751
67$9,758,452$3,938,428$2,939,000$7,738,457
68$10,662,973$4,040,571$2,946,616$8,339,964
69$11,656,894$4,144,857$2,951,625$8,998,475
70$12,749,244$4,251,301$2,953,851$9,719,725
71$13,949,969$4,359,917$2,953,107$10,510,031
72$15,270,027$4,470,714$2,949,197$11,376,355
73$16,721,492$4,583,701$2,941,918$12,326,370
74$18,317,664$4,698,883$2,931,052$13,368,529
75$20,073,200$4,816,262$2,916,376$14,512,150
76$22,004,245$4,935,837$2,897,653$15,767,498
77$24,128,589$5,057,604$2,874,636$17,145,887
78$26,465,833$5,181,555$2,847,065$18,659,784
79$29,037,575$5,307,678$2,814,668$20,322,931
80$31,867,609$5,435,956$2,777,161$22,150,468
81$34,982,155$5,566,368$2,734,245$24,159,080
82$38,410,102$5,698,887$2,685,610$26,367,159
83$42,183,283$5,833,483$2,630,928$28,794,967
84$46,336,771$5,970,117$2,569,858$31,464,839
85$50,909,216$6,108,747$2,502,042$34,401,386
86$55,943,201$6,249,321$2,427,106$37,631,733
87$61,485,653$6,391,782$2,344,659$41,185,770
88$67,588,276$6,536,066$2,254,292$45,096,441
89$74,308,046$6,682,099$2,155,576$49,400,048
90$81,707,744$6,829,800$2,048,065$54,136,600
91$89,856,550$6,979,076$1,931,292$59,350,191
92$98,830,695$7,129,827$1,804,767$65,089,410
93$108,714,179$7,281,942$1,667,979$71,407,810
94$119,599,565$7,435,297$1,520,397$78,364,406
95$131,588,851$7,589,757$1,361,461$86,024,236
96$144,794,434$7,745,175$1,190,589$94,458,976
97$159,340,167$7,901,390$1,007,175$103,747,618
98$175,362,531$8,058,225$810,582$113,977,214
99$193,011,920$8,215,489$600,148$125,243,699
100$212,454,063$8,372,975$375,180$137,652,800