Can I retire at age 52 with 2,530,000?

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 $2,530,000?

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%
1 years$208,925$207,064$205,248$203,476$201,746$200,811
2 years$103,428$101,502$99,635$97,825$96,069$95,126
3 years$68,267$66,333$64,471$62,677$60,950$60,027
4 years$50,690$48,762$46,918$45,156$43,470$42,575
5 years$40,147$38,230$36,410$34,684$33,045$32,180
6 years$33,120$31,217$29,425$27,737$26,148$25,314
7 years$28,103$26,216$24,452$22,804$21,265$20,463
8 years$24,342$22,472$20,737$19,130$17,641$16,871
9 years$21,418$19,566$17,861$16,294$14,857$14,118
10 years$19,080$17,247$15,572$14,046$12,659$11,951
11 years$17,169$15,354$13,709$12,224$10,887$10,210
12 years$15,577$13,781$12,167$10,722$9,434$8,788
13 years$14,232$12,454$10,870$9,466$8,227$7,610
14 years$13,079$11,320$9,767$8,403$7,212$6,624
15 years$12,081$10,341$8,818$7,494$6,350$5,790
16 years$11,209$9,488$7,995$6,710$5,612$5,080
17 years$10,440$8,738$7,275$6,029$4,976$4,470
18 years$9,757$8,074$6,641$5,433$4,424$3,945
19 years$9,147$7,483$6,080$4,909$3,943$3,489
20 years$8,599$6,954$5,580$4,446$3,522$3,092
21 years$8,103$6,477$5,132$4,035$3,152$2,745
22 years$7,653$6,046$4,730$3,669$2,825$2,441
23 years$7,243$5,655$4,367$3,342$2,536$2,173
24 years$6,868$5,298$4,039$3,048$2,280$1,937
25 years$6,523$4,972$3,741$2,783$2,051$1,729
26 years$6,205$4,673$3,470$2,545$1,848$1,544
27 years$5,911$4,398$3,222$2,329$1,666$1,380
28 years$5,639$4,144$2,995$2,134$1,503$1,235
29 years$5,386$3,909$2,787$1,957$1,357$1,105
30 years$5,150$3,692$2,596$1,796$1,226$990
31 years$4,930$3,490$2,420$1,650$1,109$887
32 years$4,724$3,302$2,258$1,516$1,003$795
33 years$4,531$3,127$2,109$1,394$908$713
34 years$4,350$2,964$1,970$1,283$822$640
35 years$4,179$2,811$1,842$1,181$744$574
36 years$4,018$2,668$1,723$1,088$674$516
37 years$3,867$2,534$1,613$1,002$611$463
38 years$3,723$2,409$1,510$924$554$416
39 years$3,587$2,290$1,415$852$503$374
40 years$3,459$2,179$1,326$785$456$336
41 years$3,337$2,074$1,244$725$414$302
42 years$3,221$1,975$1,167$669$375$271
43 years$3,111$1,882$1,095$617$341$244
44 years$3,006$1,794$1,027$570$309$219
45 years$2,906$1,711$965$526$281$197
46 years$2,811$1,632$906$486$255$177
47 years$2,720$1,558$851$449$231$159
48 years$2,633$1,487$800$415$210$143
49 years$2,550$1,420$752$384$191$129
50 years$2,470$1,356$707$355$173$116

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,530,000, adding $4,816 every year, while hoping to spend $52,114 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: 73/10/17 Blend
51$2,530,000$2,530,000$2,530,000$2,530,000
52$2,793,028$2,658,938$2,619,723$2,985,651
53$3,022,468$2,733,777$2,652,035$3,188,893
54$3,273,564$2,810,536$2,683,682$3,404,651
55$3,548,470$2,889,255$2,714,588$3,639,643
56$3,849,558$2,969,973$2,744,671$3,895,767
57$4,179,441$3,052,729$2,773,845$4,175,114
58$4,540,994$3,137,563$2,802,019$4,479,986
59$4,937,386$3,224,514$2,829,097$4,812,920
60$5,372,106$3,313,622$2,854,979$5,176,708
61$5,848,997$3,404,926$2,879,557$5,574,429
62$6,372,293$3,498,466$2,902,720$6,009,472
63$6,946,656$3,594,279$2,924,350$6,485,571
64$7,577,222$3,692,406$2,944,323$7,006,842
65$8,269,649$3,792,885$2,962,509$7,577,816
66$9,030,169$3,895,752$2,978,769$8,203,487
67$9,865,649$4,001,046$2,992,960$8,889,358
68$10,783,651$4,108,804$3,004,930$9,641,490
69$11,792,508$4,219,060$3,014,520$10,466,563
70$12,901,400$4,331,849$3,021,562$11,371,935
71$14,120,439$4,447,207$3,025,881$12,365,715
72$15,460,768$4,565,164$3,027,292$13,456,837
73$16,934,662$4,685,752$3,025,602$14,655,146
74$18,555,645$4,809,002$3,020,607$15,971,490
75$20,338,618$4,934,941$3,012,095$17,417,821
76$22,299,999$5,063,595$2,999,843$19,007,311
77$24,457,877$5,194,989$2,983,615$20,754,472
78$26,832,181$5,329,144$2,963,167$22,675,298
79$29,444,872$5,466,080$2,938,241$24,787,411
80$32,320,145$5,605,814$2,908,568$27,110,230
81$35,484,661$5,748,360$2,873,866$29,665,156
82$38,967,794$5,893,728$2,833,839$32,475,768
83$42,801,914$6,041,926$2,788,178$35,568,053
84$47,022,686$6,192,956$2,736,558$38,970,646
85$51,669,408$6,346,819$2,678,641$42,715,101
86$56,785,383$6,503,509$2,614,071$46,836,191
87$62,418,328$6,663,016$2,542,478$51,372,237
88$68,620,819$6,825,326$2,463,472$56,365,465
89$75,450,792$6,990,417$2,376,649$61,862,409
90$82,972,089$7,158,263$2,281,582$67,914,349
91$91,255,055$7,328,830$2,177,828$74,577,795
92$100,377,207$7,502,080$2,064,922$81,915,021
93$110,423,965$7,677,964$1,942,379$89,994,654
94$121,489,452$7,856,428$1,809,692$98,892,318
95$133,677,390$8,037,407$1,666,331$108,691,353
96$147,102,072$8,220,828$1,511,741$119,483,600
97$161,889,444$8,406,609$1,345,345$131,370,266
98$178,178,291$8,594,656$1,166,537$144,462,884
99$196,121,548$8,784,866$974,688$158,884,362
100$215,887,743$8,977,122$769,137$174,770,148