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%17.5%
1 years$210,577$208,701$206,871$205,085$203,341$197,147
2 years$104,246$102,304$100,423$98,598$96,829$90,642
3 years$68,807$66,857$64,980$63,173$61,432$55,447
4 years$51,091$49,147$47,289$45,513$43,814$38,075
5 years$40,464$38,532$36,698$34,958$33,307$27,830
6 years$33,382$31,464$29,658$27,956$26,354$21,145
7 years$28,325$26,424$24,646$22,984$21,433$16,490
8 years$24,534$22,650$20,901$19,281$17,781$13,102
9 years$21,587$19,721$18,002$16,423$14,974$10,553
10 years$19,231$17,383$15,695$14,157$12,759$8,590
11 years$17,305$15,475$13,818$12,321$10,973$7,049
12 years$15,701$13,889$12,263$10,807$9,509$5,822
13 years$14,344$12,552$10,956$9,541$8,292$4,834
14 years$13,183$11,409$9,844$8,469$7,269$4,030
15 years$12,177$10,423$8,888$7,553$6,400$3,371
16 years$11,297$9,563$8,058$6,763$5,656$2,828
17 years$10,522$8,807$7,332$6,077$5,015$2,378
18 years$9,834$8,138$6,694$5,476$4,459$2,003
19 years$9,219$7,542$6,128$4,948$3,975$1,690
20 years$8,667$7,009$5,624$4,482$3,550$1,428
21 years$8,167$6,528$5,173$4,067$3,177$1,208
22 years$7,714$6,094$4,767$3,698$2,848$1,023
23 years$7,300$5,699$4,402$3,368$2,556$866
24 years$6,922$5,340$4,071$3,072$2,298$735
25 years$6,574$5,011$3,771$2,805$2,068$623
26 years$6,254$4,710$3,497$2,565$1,862$529
27 years$5,958$4,433$3,247$2,348$1,679$449
28 years$5,683$4,177$3,019$2,151$1,515$382
29 years$5,428$3,940$2,809$1,973$1,368$324
30 years$5,191$3,721$2,617$1,810$1,236$276
31 years$4,969$3,518$2,439$1,663$1,118$234
32 years$4,761$3,328$2,276$1,528$1,011$199
33 years$4,567$3,152$2,125$1,405$915$169
34 years$4,384$2,988$1,986$1,293$828$144
35 years$4,212$2,834$1,856$1,190$750$122
36 years$4,050$2,690$1,737$1,096$680$104
37 years$3,897$2,554$1,625$1,010$616$89
38 years$3,753$2,428$1,522$931$559$75
39 years$3,616$2,308$1,426$858$507$64
40 years$3,486$2,196$1,337$792$459$55
41 years$3,363$2,091$1,253$730$417$46
42 years$3,247$1,991$1,176$674$378$40
43 years$3,135$1,897$1,103$622$343$34
44 years$3,030$1,808$1,036$575$312$29
45 years$2,929$1,724$972$531$283$24
46 years$2,833$1,645$913$490$257$21
47 years$2,741$1,570$858$453$233$18
48 years$2,654$1,499$806$418$212$15
49 years$2,570$1,431$758$387$192$13
50 years$2,490$1,367$713$357$175$11

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 $5,465 every year, while hoping to spend $59,458 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: 77/12/11 Blend
51$2,550,000$2,550,000$2,550,000$2,550,000
52$2,815,737$2,680,587$2,641,062$3,026,450
53$3,039,679$2,748,673$2,666,275$3,233,982
54$3,284,471$2,818,102$2,690,339$3,453,348
55$3,552,176$2,888,878$2,713,155$3,692,191
56$3,845,067$2,961,002$2,734,614$3,952,425
57$4,165,645$3,034,472$2,754,605$4,236,163
58$4,516,666$3,109,287$2,773,010$4,545,727
59$4,901,164$3,185,440$2,789,704$4,883,678
60$5,322,481$3,262,925$2,804,557$5,252,836
61$5,784,296$3,341,730$2,817,432$5,656,307
62$6,290,662$3,421,843$2,828,184$6,097,511
63$6,846,044$3,503,247$2,836,662$6,580,217
64$7,455,357$3,585,923$2,842,706$7,108,577
65$8,124,016$3,669,846$2,846,150$7,687,164
66$8,857,988$3,754,991$2,846,818$8,321,017
67$9,663,842$3,841,325$2,844,526$9,015,687
68$10,548,818$3,928,813$2,839,081$9,777,289
69$11,520,887$4,017,415$2,830,281$10,612,562
70$12,588,835$4,107,086$2,817,912$11,528,928
71$13,762,337$4,197,774$2,801,753$12,534,567
72$15,052,054$4,289,423$2,781,570$13,638,492
73$16,469,729$4,381,971$2,757,118$14,850,633
74$18,028,302$4,475,348$2,728,142$16,181,931
75$19,742,026$4,569,478$2,694,373$17,644,442
76$21,626,609$4,664,278$2,655,530$19,251,451
77$23,699,352$4,759,656$2,611,319$21,017,594
78$25,979,319$4,855,513$2,561,432$22,959,003
79$28,487,517$4,951,740$2,505,547$25,093,450
80$31,247,087$5,048,219$2,443,327$27,440,520
81$34,283,530$5,144,821$2,374,418$30,021,795
82$37,624,940$5,241,408$2,298,451$32,861,056
83$41,302,276$5,337,829$2,215,041$35,984,509
84$45,349,648$5,433,922$2,123,785$39,421,033
85$49,804,639$5,529,512$2,024,259$43,202,448
86$54,708,663$5,624,409$1,916,022$47,363,824
87$60,107,353$5,718,410$1,798,615$51,943,801
88$66,050,988$5,811,298$1,671,553$56,984,965
89$72,594,973$5,902,836$1,534,335$62,534,242
90$79,800,359$5,992,774$1,386,434$68,643,343
91$87,734,417$6,080,840$1,227,300$75,369,256
92$96,471,272$6,166,746$1,056,360$82,774,778
93$106,092,607$6,250,182$873,013$90,929,114
94$116,688,428$6,330,816$676,634$99,908,523
95$128,357,915$6,408,294$466,569$109,797,048
96$141,210,359$6,482,237$242,136$120,687,300
97$155,366,190$6,552,241$2,622$132,681,338
98$170,958,116$6,617,875$0$145,891,632
99$188,132,373$6,678,680$0$160,471,816
100$207,050,104$6,734,164$0$176,531,040