Can I retire at age 52 with 2,560,000?

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 $2,560,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.8%
1 years$211,402$209,519$207,682$205,889$204,138$198,479
2 years$104,655$102,706$100,817$98,985$97,209$91,549
3 years$69,077$67,119$65,235$63,421$61,673$56,191
4 years$51,291$49,340$47,474$45,691$43,986$38,723
5 years$40,623$38,683$36,842$35,095$33,437$28,408
6 years$33,513$31,588$29,774$28,066$26,458$21,667
7 years$28,436$26,527$24,742$23,074$21,517$16,965
8 years$24,630$22,739$20,983$19,357$17,851$13,534
9 years$21,672$19,798$18,073$16,488$15,033$10,948
10 years$19,307$17,451$15,756$14,212$12,809$8,951
11 years$17,373$15,536$13,872$12,369$11,016$7,378
12 years$15,762$13,944$12,311$10,849$9,546$6,122
13 years$14,400$12,601$10,999$9,578$8,324$5,107
14 years$13,234$11,454$9,883$8,503$7,297$4,278
15 years$12,224$10,464$8,923$7,583$6,425$3,596
16 years$11,342$9,600$8,090$6,790$5,678$3,032
17 years$10,564$8,841$7,361$6,100$5,035$2,562
18 years$9,873$8,170$6,720$5,498$4,477$2,170
19 years$9,256$7,572$6,152$4,968$3,990$1,841
20 years$8,701$7,036$5,646$4,499$3,564$1,563
21 years$8,199$6,554$5,193$4,083$3,190$1,330
22 years$7,744$6,118$4,786$3,713$2,859$1,132
23 years$7,329$5,722$4,419$3,381$2,566$964
24 years$6,949$5,361$4,087$3,084$2,307$822
25 years$6,600$5,031$3,785$2,816$2,076$701
26 years$6,278$4,728$3,511$2,575$1,870$599
27 years$5,981$4,450$3,260$2,357$1,686$511
28 years$5,706$4,193$3,031$2,160$1,521$437
29 years$5,450$3,956$2,820$1,980$1,373$373
30 years$5,211$3,736$2,627$1,817$1,241$319
31 years$4,988$3,532$2,449$1,669$1,122$273
32 years$4,780$3,342$2,285$1,534$1,015$233
33 years$4,585$3,164$2,134$1,411$918$200
34 years$4,401$2,999$1,993$1,298$832$171
35 years$4,229$2,845$1,864$1,195$753$146
36 years$4,066$2,700$1,743$1,100$682$125
37 years$3,912$2,564$1,632$1,014$619$107
38 years$3,767$2,437$1,528$935$561$91
39 years$3,630$2,317$1,432$862$509$78
40 years$3,500$2,205$1,342$795$461$67
41 years$3,376$2,099$1,258$733$418$57
42 years$3,259$1,999$1,180$677$380$49
43 years$3,148$1,905$1,108$625$345$42
44 years$3,042$1,815$1,040$577$313$36
45 years$2,941$1,731$976$533$284$31
46 years$2,844$1,651$917$492$258$26
47 years$2,752$1,576$861$455$234$23
48 years$2,664$1,504$809$420$213$19
49 years$2,580$1,437$761$388$193$17
50 years$2,499$1,372$715$359$175$14

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,560,000, adding $3,300 every year, while hoping to spend $51,505 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: 75/18/7 Blend
51$2,560,000$2,560,000$2,560,000$2,560,000
52$2,824,524$2,688,844$2,649,164$3,033,532
53$3,057,824$2,765,796$2,683,110$3,248,443
54$3,313,195$2,844,793$2,716,467$3,476,988
55$3,592,834$2,925,880$2,749,161$3,725,941
56$3,899,158$3,009,104$2,781,113$3,997,305
57$4,234,833$3,094,511$2,812,242$4,293,286
58$4,602,793$3,182,149$2,842,459$4,616,309
59$5,006,269$3,272,065$2,871,672$4,969,050
60$5,448,820$3,364,308$2,899,785$5,354,452
61$5,934,367$3,458,926$2,926,694$5,775,757
62$6,467,227$3,555,968$2,952,293$6,236,535
63$7,052,156$3,655,483$2,976,468$6,740,719
64$7,694,395$3,757,520$2,999,098$7,292,639
65$8,399,714$3,862,130$3,020,058$7,897,067
66$9,174,471$3,969,360$3,039,216$8,559,256
67$10,025,669$4,079,261$3,056,432$9,284,995
68$10,961,025$4,191,883$3,071,561$10,080,660
69$11,989,039$4,307,274$3,084,447$10,953,275
70$13,119,074$4,425,484$3,094,930$11,910,577
71$14,361,449$4,546,562$3,102,839$12,961,090
72$15,727,529$4,670,555$3,107,996$14,114,205
73$17,229,837$4,797,513$3,110,214$15,380,268
74$18,882,171$4,927,482$3,109,297$16,770,678
75$20,699,732$5,060,508$3,105,038$18,297,992
76$22,699,269$5,196,637$3,097,221$19,976,048
77$24,899,236$5,335,914$3,085,620$21,820,088
78$27,319,966$5,478,381$3,069,996$23,846,910
79$29,983,862$5,624,082$3,050,100$26,075,021
80$32,915,609$5,773,055$3,025,672$28,524,811
81$36,142,407$5,925,340$2,996,437$31,218,747
82$39,694,223$6,080,973$2,962,109$34,181,588
83$43,604,082$6,239,988$2,922,387$37,440,610
84$47,908,369$6,402,419$2,876,958$41,025,871
85$52,647,179$6,568,293$2,825,492$44,970,490
86$57,864,691$6,737,639$2,767,646$49,310,962
87$63,609,584$6,910,478$2,703,057$54,087,501
88$69,935,502$7,086,832$2,631,350$59,344,418
89$76,901,552$7,266,716$2,552,129$65,130,541
90$84,572,868$7,450,142$2,464,982$71,499,675
91$93,021,219$7,637,117$2,369,477$78,511,109
92$102,325,692$7,827,645$2,265,164$86,230,177
93$112,573,435$8,021,722$2,151,569$94,728,872
94$123,860,480$8,219,341$2,028,201$104,086,526
95$136,292,646$8,420,486$1,894,544$114,390,563
96$149,986,543$8,625,137$1,750,058$125,737,315
97$165,070,667$8,833,265$1,594,182$138,232,939
98$181,686,615$9,044,835$1,426,326$151,994,418
99$199,990,420$9,259,802$1,245,879$167,150,659
100$220,154,024$9,478,113$1,052,196$183,843,717