Can I retire at age 52 with 2,550,000?

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 $2,550,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.7%
1 years$210,577$208,701$206,871$205,085$203,341$196,204
2 years$104,246$102,304$100,423$98,598$96,829$89,714
3 years$68,807$66,857$64,980$63,173$61,432$54,562
4 years$51,091$49,147$47,289$45,513$43,814$37,242
5 years$40,464$38,532$36,698$34,958$33,307$27,049
6 years$33,382$31,464$29,658$27,956$26,354$20,417
7 years$28,325$26,424$24,646$22,984$21,433$15,814
8 years$24,534$22,650$20,901$19,281$17,781$12,475
9 years$21,587$19,721$18,002$16,423$14,974$9,976
10 years$19,231$17,383$15,695$14,157$12,759$8,059
11 years$17,305$15,475$13,818$12,321$10,973$6,562
12 years$15,701$13,889$12,263$10,807$9,509$5,377
13 years$14,344$12,552$10,956$9,541$8,292$4,428
14 years$13,183$11,409$9,844$8,469$7,269$3,660
15 years$12,177$10,423$8,888$7,553$6,400$3,036
16 years$11,297$9,563$8,058$6,763$5,656$2,525
17 years$10,522$8,807$7,332$6,077$5,015$2,104
18 years$9,834$8,138$6,694$5,476$4,459$1,757
19 years$9,219$7,542$6,128$4,948$3,975$1,469
20 years$8,667$7,009$5,624$4,482$3,550$1,230
21 years$8,167$6,528$5,173$4,067$3,177$1,031
22 years$7,714$6,094$4,767$3,698$2,848$864
23 years$7,300$5,699$4,402$3,368$2,556$726
24 years$6,922$5,340$4,071$3,072$2,298$609
25 years$6,574$5,011$3,771$2,805$2,068$512
26 years$6,254$4,710$3,497$2,565$1,862$430
27 years$5,958$4,433$3,247$2,348$1,679$362
28 years$5,683$4,177$3,019$2,151$1,515$304
29 years$5,428$3,940$2,809$1,973$1,368$256
30 years$5,191$3,721$2,617$1,810$1,236$216
31 years$4,969$3,518$2,439$1,663$1,118$181
32 years$4,761$3,328$2,276$1,528$1,011$153
33 years$4,567$3,152$2,125$1,405$915$129
34 years$4,384$2,988$1,986$1,293$828$108
35 years$4,212$2,834$1,856$1,190$750$91
36 years$4,050$2,690$1,737$1,096$680$77
37 years$3,897$2,554$1,625$1,010$616$65
38 years$3,753$2,428$1,522$931$559$54
39 years$3,616$2,308$1,426$858$507$46
40 years$3,486$2,196$1,337$792$459$39
41 years$3,363$2,091$1,253$730$417$33
42 years$3,247$1,991$1,176$674$378$27
43 years$3,135$1,897$1,103$622$343$23
44 years$3,030$1,808$1,036$575$312$19
45 years$2,929$1,724$972$531$283$16
46 years$2,833$1,645$913$490$257$14
47 years$2,741$1,570$858$453$233$12
48 years$2,654$1,499$806$418$212$10
49 years$2,570$1,431$758$387$192$8
50 years$2,490$1,367$713$357$175$7

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,550,000, adding $2,847 every year, while hoping to spend $54,550 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: 52/33/15 Blend
51$2,550,000$2,550,000$2,550,000$2,550,000
52$2,813,037$2,677,887$2,638,362$2,947,781
53$3,041,926$2,751,062$2,668,706$3,113,505
54$3,292,333$2,825,995$2,698,239$3,287,652
55$3,566,396$2,902,714$2,726,875$3,475,838
56$3,866,468$2,981,247$2,754,525$3,679,408
57$4,195,141$3,061,621$2,781,095$3,899,842
58$4,555,269$3,143,864$2,806,485$4,138,770
59$4,949,995$3,228,002$2,830,590$4,397,985
60$5,382,781$3,314,060$2,853,301$4,679,463
61$5,857,439$3,402,064$2,874,502$4,985,381
62$6,378,169$3,492,037$2,894,069$5,318,134
63$6,949,597$3,584,001$2,911,875$5,680,360
64$7,576,818$3,677,979$2,927,784$6,074,966
65$8,265,443$3,773,990$2,941,655$6,505,153
66$9,021,656$3,872,053$2,953,338$6,974,448
67$9,852,266$3,972,184$2,962,676$7,486,734
68$10,764,776$4,074,400$2,969,504$8,046,290
69$11,767,450$4,178,713$2,973,650$8,657,832
70$12,869,395$4,285,135$2,974,932$9,326,552
71$14,080,640$4,393,673$2,973,159$10,058,172
72$15,412,237$4,504,335$2,968,132$10,858,996
73$16,876,361$4,617,124$2,959,640$11,735,970
74$18,486,427$4,732,039$2,947,465$12,696,747
75$20,257,212$4,849,079$2,931,375$13,749,759
76$22,205,000$4,968,236$2,911,128$14,904,298
77$24,347,732$5,089,501$2,886,473$16,170,602
78$26,705,173$5,212,860$2,857,142$17,559,952
79$29,299,104$5,338,293$2,822,860$19,084,779
80$32,153,520$5,465,777$2,783,333$20,758,782
81$35,294,864$5,595,285$2,738,259$22,597,055
82$38,752,267$5,726,781$2,687,318$24,616,232
83$42,557,832$5,860,226$2,630,177$26,834,642
84$46,746,928$5,995,574$2,566,485$29,272,486
85$51,358,530$6,132,773$2,495,878$31,952,021
86$56,435,583$6,271,762$2,417,973$34,897,779
87$62,025,408$6,412,474$2,332,370$38,136,789
88$68,180,147$6,554,832$2,238,652$41,698,842
89$74,957,256$6,698,753$2,136,380$45,616,765
90$82,420,046$6,844,142$2,025,099$49,926,735
91$90,638,281$6,990,895$1,904,330$54,668,619
92$99,688,834$7,138,898$1,773,575$59,886,353
93$109,656,416$7,288,025$1,632,310$65,628,355
94$120,634,370$7,438,138$1,479,992$71,947,982
95$132,725,555$7,589,085$1,316,050$78,904,037
96$146,043,314$7,740,703$1,139,891$86,561,322
97$160,712,547$7,892,813$950,892$94,991,250
98$176,870,886$8,045,219$748,406$104,272,524
99$194,669,993$8,197,712$531,755$114,491,875
100$214,276,995$8,350,063$300,231$125,744,884