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%19.1%
1 years$209,751$207,882$206,060$204,280$202,543$195,124
2 years$103,837$101,903$100,029$98,212$96,449$89,057
3 years$68,537$66,595$64,725$62,925$61,191$54,059
4 years$50,891$48,954$47,103$45,334$43,642$36,824
5 years$40,305$38,381$36,554$34,821$33,176$26,689
6 years$33,251$31,341$29,541$27,847$26,251$20,101
7 years$28,214$26,320$24,549$22,894$21,349$15,534
8 years$24,438$22,561$20,819$19,205$17,711$12,225
9 years$21,503$19,643$17,932$16,359$14,915$9,752
10 years$19,156$17,315$15,633$14,101$12,709$7,858
11 years$17,237$15,414$13,763$12,272$10,930$6,382
12 years$15,639$13,835$12,215$10,765$9,472$5,215
13 years$14,288$12,503$10,913$9,503$8,259$4,283
14 years$13,131$11,365$9,805$8,436$7,240$3,531
15 years$12,129$10,382$8,853$7,524$6,375$2,920
16 years$11,253$9,525$8,026$6,737$5,634$2,422
17 years$10,481$8,772$7,304$6,053$4,996$2,012
18 years$9,796$8,106$6,667$5,455$4,442$1,675
19 years$9,183$7,513$6,104$4,929$3,959$1,396
20 years$8,633$6,981$5,602$4,464$3,536$1,165
21 years$8,135$6,503$5,152$4,051$3,165$974
22 years$7,683$6,070$4,749$3,684$2,837$814
23 years$7,272$5,677$4,385$3,355$2,546$681
24 years$6,895$5,319$4,055$3,060$2,289$570
25 years$6,549$4,992$3,756$2,794$2,059$478
26 years$6,229$4,691$3,483$2,555$1,855$400
27 years$5,934$4,415$3,235$2,339$1,673$335
28 years$5,661$4,160$3,007$2,143$1,509$281
29 years$5,407$3,925$2,798$1,965$1,363$236
30 years$5,170$3,707$2,606$1,803$1,231$198
31 years$4,949$3,504$2,430$1,656$1,113$166
32 years$4,743$3,315$2,267$1,522$1,007$139
33 years$4,549$3,140$2,117$1,400$911$117
34 years$4,367$2,976$1,978$1,288$825$98
35 years$4,195$2,822$1,849$1,185$747$82
36 years$4,034$2,679$1,730$1,092$677$69
37 years$3,882$2,544$1,619$1,006$614$58
38 years$3,738$2,418$1,516$927$556$49
39 years$3,602$2,299$1,421$855$505$41
40 years$3,473$2,188$1,331$789$458$34
41 years$3,350$2,082$1,248$728$415$29
42 years$3,234$1,983$1,171$671$377$24
43 years$3,123$1,890$1,099$620$342$20
44 years$3,018$1,801$1,032$572$310$17
45 years$2,918$1,718$969$529$282$14
46 years$2,822$1,639$910$488$256$12
47 years$2,731$1,564$855$451$232$10
48 years$2,643$1,493$803$417$211$8
49 years$2,560$1,425$755$385$192$7
50 years$2,480$1,362$710$356$174$6

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 $5,210 every year, while hoping to spend $23,636 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: 39/40/21 Blend
51$2,540,000$2,540,000$2,540,000$2,540,000
52$2,804,454$2,669,834$2,630,464$2,896,107
53$3,065,360$2,775,507$2,693,436$3,068,273
54$3,352,086$2,885,567$2,757,726$3,251,689
55$3,667,241$3,000,202$2,823,352$3,449,535
56$4,013,699$3,119,611$2,890,333$3,663,133
57$4,394,626$3,244,002$2,958,689$3,893,935
58$4,813,511$3,373,591$3,028,438$4,143,537
59$5,274,197$3,508,605$3,099,599$4,413,688
60$5,780,919$3,649,280$3,172,189$4,706,313
61$6,338,342$3,795,864$3,246,227$5,023,523
62$6,951,607$3,948,616$3,321,730$5,367,641
63$7,626,378$4,107,805$3,398,715$5,741,218
64$8,368,896$4,273,715$3,477,199$6,147,058
65$9,186,036$4,446,639$3,557,198$6,588,244
66$10,085,374$4,626,888$3,638,727$7,068,165
67$11,075,260$4,814,783$3,721,802$7,590,548
68$12,164,892$5,010,662$3,806,437$8,159,491
69$13,364,404$5,214,878$3,892,646$8,779,500
70$14,684,965$5,427,799$3,980,442$9,455,534
71$16,138,882$5,649,811$4,069,837$10,193,045
72$17,739,713$5,881,317$4,160,842$10,998,034
73$19,502,401$6,122,739$4,253,468$11,877,101
74$21,443,411$6,374,518$4,347,723$12,837,509
75$23,580,884$6,637,115$4,443,617$13,887,251
76$25,934,812$6,911,011$4,541,156$15,035,122
77$28,527,224$7,196,712$4,640,346$16,290,804
78$31,382,395$7,494,745$4,741,192$17,664,952
79$34,527,072$7,805,661$4,843,695$19,169,293
80$37,990,733$8,130,037$4,947,858$20,816,738
81$41,805,857$8,468,478$5,053,680$22,621,500
82$46,008,236$8,821,615$5,161,160$24,599,227
83$50,637,310$9,190,108$5,270,293$26,767,145
84$55,736,540$9,574,649$5,381,073$29,144,222
85$61,353,821$9,975,960$5,493,492$31,751,344
86$67,541,927$10,394,798$5,607,540$34,611,507
87$74,359,015$10,831,955$5,723,205$37,750,036
88$81,869,173$11,288,259$5,840,470$41,194,818
89$90,143,021$11,764,575$5,959,318$44,976,565
90$99,258,382$12,261,813$6,079,728$49,129,099
91$109,301,014$12,780,919$6,201,676$53,689,672
92$120,365,420$13,322,886$6,325,135$58,699,308
93$132,555,741$13,888,755$6,450,075$64,203,195
94$145,986,735$14,479,613$6,576,461$70,251,104
95$160,784,865$15,096,597$6,704,256$76,897,854
96$177,089,490$15,740,900$6,833,417$84,203,831
97$195,054,181$16,413,767$6,963,900$92,235,550
98$214,848,170$17,116,503$7,095,652$101,066,280
99$236,657,947$17,850,476$7,228,621$110,776,732
100$260,689,022$18,617,114$7,362,744$121,455,817