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

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 $2,530,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.1%
1 years$208,925$207,064$205,248$203,476$201,746$196,709
2 years$103,428$101,502$99,635$97,825$96,069$91,027
3 years$68,267$66,333$64,471$62,677$60,950$56,060
4 years$50,690$48,762$46,918$45,156$43,470$38,769
5 years$40,147$38,230$36,410$34,684$33,045$28,547
6 years$33,120$31,217$29,425$27,737$26,148$21,856
7 years$28,103$26,216$24,452$22,804$21,265$17,181
8 years$24,342$22,472$20,737$19,130$17,641$13,763
9 years$21,418$19,566$17,861$16,294$14,857$11,181
10 years$19,080$17,247$15,572$14,046$12,659$9,181
11 years$17,169$15,354$13,709$12,224$10,887$7,602
12 years$15,577$13,781$12,167$10,722$9,434$6,337
13 years$14,232$12,454$10,870$9,466$8,227$5,311
14 years$13,079$11,320$9,767$8,403$7,212$4,470
15 years$12,081$10,341$8,818$7,494$6,350$3,777
16 years$11,209$9,488$7,995$6,710$5,612$3,200
17 years$10,440$8,738$7,275$6,029$4,976$2,718
18 years$9,757$8,074$6,641$5,433$4,424$2,314
19 years$9,147$7,483$6,080$4,909$3,943$1,973
20 years$8,599$6,954$5,580$4,446$3,522$1,685
21 years$8,103$6,477$5,132$4,035$3,152$1,440
22 years$7,653$6,046$4,730$3,669$2,825$1,233
23 years$7,243$5,655$4,367$3,342$2,536$1,056
24 years$6,868$5,298$4,039$3,048$2,280$906
25 years$6,523$4,972$3,741$2,783$2,051$777
26 years$6,205$4,673$3,470$2,545$1,848$667
27 years$5,911$4,398$3,222$2,329$1,666$573
28 years$5,639$4,144$2,995$2,134$1,503$492
29 years$5,386$3,909$2,787$1,957$1,357$423
30 years$5,150$3,692$2,596$1,796$1,226$364
31 years$4,930$3,490$2,420$1,650$1,109$313
32 years$4,724$3,302$2,258$1,516$1,003$269
33 years$4,531$3,127$2,109$1,394$908$231
34 years$4,350$2,964$1,970$1,283$822$199
35 years$4,179$2,811$1,842$1,181$744$171
36 years$4,018$2,668$1,723$1,088$674$147
37 years$3,867$2,534$1,613$1,002$611$127
38 years$3,723$2,409$1,510$924$554$109
39 years$3,587$2,290$1,415$852$503$94
40 years$3,459$2,179$1,326$785$456$81
41 years$3,337$2,074$1,244$725$414$70
42 years$3,221$1,975$1,167$669$375$60
43 years$3,111$1,882$1,095$617$341$52
44 years$3,006$1,794$1,027$570$309$45
45 years$2,906$1,711$965$526$281$38
46 years$2,811$1,632$906$486$255$33
47 years$2,720$1,558$851$449$231$28
48 years$2,633$1,487$800$415$210$24
49 years$2,550$1,420$752$384$191$21
50 years$2,470$1,356$707$355$173$18

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 $6,990 every year, while hoping to spend $22,245 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: 48/45/7 Blend
51$2,530,000$2,530,000$2,530,000$2,530,000
52$2,795,270$2,661,180$2,621,965$2,923,953
53$3,056,719$2,767,910$2,686,133$3,119,538
54$3,344,091$2,879,123$2,751,704$3,328,843
55$3,660,005$2,995,017$2,818,703$3,555,560
56$4,007,349$3,115,796$2,887,153$3,801,315
57$4,389,304$3,241,676$2,957,078$4,067,894
58$4,809,374$3,372,879$3,028,501$4,357,258
59$5,271,421$3,509,641$3,101,447$4,671,562
60$5,779,698$3,652,206$3,175,938$5,013,174
61$6,338,894$3,800,831$3,251,998$5,384,694
62$6,954,172$3,955,782$3,329,651$5,788,985
63$7,631,223$4,117,341$3,408,920$6,229,188
64$8,376,316$4,285,799$3,489,827$6,708,761
65$9,196,360$4,461,463$3,572,396$7,231,504
66$10,098,967$4,644,653$3,656,650$7,801,597
67$11,092,524$4,835,703$3,742,610$8,423,635
68$12,186,273$5,034,964$3,830,299$9,102,674
69$13,390,397$5,242,802$3,919,738$9,844,274
70$14,716,118$5,459,599$4,010,949$10,654,555
71$16,175,798$5,685,755$4,103,952$11,540,246
72$17,783,063$5,921,691$4,198,768$12,508,753
73$19,552,925$6,167,843$4,295,416$13,568,226
74$21,501,927$6,424,671$4,393,916$14,727,633
75$23,648,297$6,692,653$4,494,286$15,996,844
76$26,012,121$6,972,291$4,596,542$17,386,722
77$28,615,534$7,264,110$4,700,703$18,909,223
78$31,482,926$7,568,659$4,806,784$20,577,511
79$34,641,173$7,886,512$4,914,800$22,406,072
80$38,119,891$8,218,269$5,024,764$24,410,859
81$41,951,716$8,564,561$5,136,690$26,609,432
82$46,172,610$8,926,043$5,250,588$29,021,124
83$50,822,203$9,303,406$5,366,470$31,667,225
84$55,944,164$9,697,369$5,484,343$34,571,174
85$61,586,615$10,108,687$5,604,214$37,758,782
86$67,802,584$10,538,147$5,726,090$41,258,473
87$74,650,508$10,986,576$5,849,974$45,101,546
88$82,194,780$11,454,839$5,975,869$49,322,472
89$90,506,360$11,943,838$6,103,773$53,959,213
90$99,663,444$12,454,522$6,233,685$59,053,578
91$109,752,202$12,987,880$6,365,600$64,651,615
92$120,867,591$13,544,950$6,499,511$70,804,041
93$133,114,250$14,126,817$6,635,410$77,566,719
94$146,607,490$14,734,619$6,773,283$85,001,180
95$161,474,382$15,369,543$6,913,116$93,175,198
96$177,854,954$16,032,836$7,054,890$102,163,431
97$195,903,516$16,725,801$7,198,585$112,048,115
98$215,790,112$17,449,803$7,344,176$122,919,841
99$237,702,131$18,206,270$7,491,633$134,878,402
100$261,846,071$18,996,700$7,640,925$148,033,731