Can I retire at age 52 with 2,540,000?

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 $2,540,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.2%
1 years$209,751$207,882$206,060$204,280$202,543$197,406
2 years$103,837$101,903$100,029$98,212$96,449$91,307
3 years$68,537$66,595$64,725$62,925$61,191$56,205
4 years$50,891$48,954$47,103$45,334$43,642$38,850
5 years$40,305$38,381$36,554$34,821$33,176$28,591
6 years$33,251$31,341$29,541$27,847$26,251$21,878
7 years$28,214$26,320$24,549$22,894$21,349$17,189
8 years$24,438$22,561$20,819$19,205$17,711$13,761
9 years$21,503$19,643$17,932$16,359$14,915$11,172
10 years$19,156$17,315$15,633$14,101$12,709$9,168
11 years$17,237$15,414$13,763$12,272$10,930$7,587
12 years$15,639$13,835$12,215$10,765$9,472$6,320
13 years$14,288$12,503$10,913$9,503$8,259$5,293
14 years$13,131$11,365$9,805$8,436$7,240$4,452
15 years$12,129$10,382$8,853$7,524$6,375$3,759
16 years$11,253$9,525$8,026$6,737$5,634$3,183
17 years$10,481$8,772$7,304$6,053$4,996$2,701
18 years$9,796$8,106$6,667$5,455$4,442$2,298
19 years$9,183$7,513$6,104$4,929$3,959$1,958
20 years$8,633$6,981$5,602$4,464$3,536$1,671
21 years$8,135$6,503$5,152$4,051$3,165$1,427
22 years$7,683$6,070$4,749$3,684$2,837$1,221
23 years$7,272$5,677$4,385$3,355$2,546$1,045
24 years$6,895$5,319$4,055$3,060$2,289$895
25 years$6,549$4,992$3,756$2,794$2,059$767
26 years$6,229$4,691$3,483$2,555$1,855$658
27 years$5,934$4,415$3,235$2,339$1,673$565
28 years$5,661$4,160$3,007$2,143$1,509$485
29 years$5,407$3,925$2,798$1,965$1,363$416
30 years$5,170$3,707$2,606$1,803$1,231$358
31 years$4,949$3,504$2,430$1,656$1,113$307
32 years$4,743$3,315$2,267$1,522$1,007$264
33 years$4,549$3,140$2,117$1,400$911$227
34 years$4,367$2,976$1,978$1,288$825$195
35 years$4,195$2,822$1,849$1,185$747$168
36 years$4,034$2,679$1,730$1,092$677$144
37 years$3,882$2,544$1,619$1,006$614$124
38 years$3,738$2,418$1,516$927$556$107
39 years$3,602$2,299$1,421$855$505$92
40 years$3,473$2,188$1,331$789$458$79
41 years$3,350$2,082$1,248$728$415$68
42 years$3,234$1,983$1,171$671$377$58
43 years$3,123$1,890$1,099$620$342$50
44 years$3,018$1,801$1,032$572$310$43
45 years$2,918$1,718$969$529$282$37
46 years$2,822$1,639$910$488$256$32
47 years$2,731$1,564$855$451$232$28
48 years$2,643$1,493$803$417$211$24
49 years$2,560$1,425$755$385$192$20
50 years$2,480$1,362$710$356$174$18

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,540,000, adding $6,478 every year, while hoping to spend $44,766 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: 47/44/9 Blend
51$2,540,000$2,540,000$2,540,000$2,540,000
52$2,805,762$2,671,142$2,631,772$2,930,418
53$3,044,319$2,754,397$2,672,306$3,100,113
54$3,305,709$2,840,232$2,712,697$3,278,980
55$3,592,212$2,928,724$2,752,894$3,472,068
56$3,906,343$3,019,957$2,792,841$3,680,709
57$4,250,868$3,114,013$2,832,479$3,906,372
58$4,628,836$3,210,979$2,871,747$4,150,668
59$5,043,605$3,310,945$2,910,578$4,415,373
60$5,498,874$3,414,002$2,948,903$4,702,437
61$5,998,715$3,520,244$2,986,647$5,014,008
62$6,547,617$3,629,770$3,023,734$5,352,448
63$7,150,524$3,742,679$3,060,079$5,720,356
64$7,812,882$3,859,074$3,095,595$6,120,593
65$8,540,690$3,979,062$3,130,192$6,556,307
66$9,340,557$4,102,753$3,163,770$7,030,962
67$10,219,765$4,230,260$3,196,228$7,548,373
68$11,186,337$4,361,698$3,227,456$8,112,738
69$12,249,109$4,497,187$3,257,342$8,728,680
70$13,417,820$4,636,851$3,285,765$9,401,288
71$14,703,198$4,780,816$3,312,598$10,136,165
72$16,117,061$4,929,214$3,337,708$10,939,482
73$17,672,435$5,082,179$3,360,954$11,818,033
74$19,383,666$5,239,849$3,382,190$12,779,300
75$21,266,566$5,402,367$3,401,258$13,831,523
76$23,338,553$5,569,880$3,417,998$14,983,778
77$25,618,820$5,742,539$3,432,236$16,246,058
78$28,128,517$5,920,501$3,443,793$17,629,374
79$30,890,945$6,103,924$3,452,479$19,145,852
80$33,931,780$6,292,975$3,458,095$20,808,846
81$37,279,314$6,487,823$3,460,434$22,633,071
82$40,964,720$6,688,644$3,459,275$24,634,732
83$45,022,351$6,895,616$3,454,390$26,831,684
84$49,490,055$7,108,925$3,445,536$29,243,595
85$54,409,541$7,328,763$3,432,462$31,892,130
86$59,826,766$7,555,325$3,414,902$34,801,160
87$65,792,374$7,788,813$3,392,579$37,996,982
88$72,362,166$8,029,435$3,365,200$41,508,568
89$79,597,635$8,277,406$3,332,463$45,367,837
90$87,566,540$8,532,944$3,294,046$49,609,956
91$96,343,546$8,796,278$3,249,616$54,273,673
92$106,010,931$9,067,639$3,198,821$59,401,677
93$116,659,360$9,347,267$3,141,296$65,041,004
94$128,388,742$9,635,410$3,076,656$71,243,478
95$141,309,169$9,932,321$3,004,499$78,066,203
96$155,541,960$10,238,261$2,924,406$85,572,095
97$171,220,803$10,553,498$2,835,936$93,830,479
98$188,493,015$10,878,309$2,738,630$102,917,744
99$207,520,934$11,212,978$2,632,006$112,918,056
100$228,483,453$11,557,798$2,515,562$123,924,160