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%19.4%
1 years$211,402$209,519$207,682$205,889$204,138$196,427
2 years$104,655$102,706$100,817$98,985$97,209$89,529
3 years$69,077$67,119$65,235$63,421$61,673$54,267
4 years$51,291$49,340$47,474$45,691$43,986$36,909
5 years$40,623$38,683$36,842$35,095$33,437$26,709
6 years$33,513$31,588$29,774$28,066$26,458$20,082
7 years$28,436$26,527$24,742$23,074$21,517$15,493
8 years$24,630$22,739$20,983$19,357$17,851$12,172
9 years$21,672$19,798$18,073$16,488$15,033$9,691
10 years$19,307$17,451$15,756$14,212$12,809$7,794
11 years$17,373$15,536$13,872$12,369$11,016$6,318
12 years$15,762$13,944$12,311$10,849$9,546$5,153
13 years$14,400$12,601$10,999$9,578$8,324$4,223
14 years$13,234$11,454$9,883$8,503$7,297$3,474
15 years$12,224$10,464$8,923$7,583$6,425$2,867
16 years$11,342$9,600$8,090$6,790$5,678$2,372
17 years$10,564$8,841$7,361$6,100$5,035$1,967
18 years$9,873$8,170$6,720$5,498$4,477$1,634
19 years$9,256$7,572$6,152$4,968$3,990$1,359
20 years$8,701$7,036$5,646$4,499$3,564$1,131
21 years$8,199$6,554$5,193$4,083$3,190$943
22 years$7,744$6,118$4,786$3,713$2,859$787
23 years$7,329$5,722$4,419$3,381$2,566$657
24 years$6,949$5,361$4,087$3,084$2,307$548
25 years$6,600$5,031$3,785$2,816$2,076$458
26 years$6,278$4,728$3,511$2,575$1,870$383
27 years$5,981$4,450$3,260$2,357$1,686$320
28 years$5,706$4,193$3,031$2,160$1,521$268
29 years$5,450$3,956$2,820$1,980$1,373$224
30 years$5,211$3,736$2,627$1,817$1,241$188
31 years$4,988$3,532$2,449$1,669$1,122$157
32 years$4,780$3,342$2,285$1,534$1,015$131
33 years$4,585$3,164$2,134$1,411$918$110
34 years$4,401$2,999$1,993$1,298$832$92
35 years$4,229$2,845$1,864$1,195$753$77
36 years$4,066$2,700$1,743$1,100$682$65
37 years$3,912$2,564$1,632$1,014$619$54
38 years$3,767$2,437$1,528$935$561$45
39 years$3,630$2,317$1,432$862$509$38
40 years$3,500$2,205$1,342$795$461$32
41 years$3,376$2,099$1,258$733$418$27
42 years$3,259$1,999$1,180$677$380$22
43 years$3,148$1,905$1,108$625$345$19
44 years$3,042$1,815$1,040$577$313$16
45 years$2,941$1,731$976$533$284$13
46 years$2,844$1,651$917$492$258$11
47 years$2,752$1,576$861$455$234$9
48 years$2,664$1,504$809$420$213$8
49 years$2,580$1,437$761$388$193$6
50 years$2,499$1,372$715$359$175$5

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 $3,383 every year, while hoping to spend $23,231 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: 67/22/11 Blend
51$2,560,000$2,560,000$2,560,000$2,560,000
52$2,824,610$2,688,930$2,649,250$3,006,964
53$3,088,002$2,795,970$2,713,282$3,235,756
54$3,377,482$2,907,476$2,778,681$3,482,723
55$3,695,686$3,023,643$2,845,467$3,752,134
56$4,045,518$3,144,674$2,913,662$4,046,182
57$4,430,179$3,270,780$2,983,288$4,367,281
58$4,853,193$3,402,185$3,054,364$4,718,088
59$5,318,446$3,539,119$3,126,912$5,101,528
60$5,830,217$3,681,825$3,200,953$5,520,817
61$6,393,221$3,830,556$3,276,507$5,979,499
62$7,012,653$3,985,577$3,353,594$6,481,473
63$7,694,238$4,147,165$3,432,234$7,031,031
64$8,444,284$4,315,609$3,512,447$7,632,900
65$9,269,738$4,491,212$3,594,252$8,292,283
66$10,178,260$4,674,289$3,677,667$9,014,908
67$11,178,285$4,865,172$3,762,712$9,807,083
68$12,279,111$5,064,207$3,849,404$10,675,755
69$13,490,982$5,271,754$3,937,760$11,628,573
70$14,825,184$5,488,192$4,027,797$12,673,959
71$16,294,156$5,713,917$4,119,531$13,821,191
72$17,911,602$5,949,341$4,212,978$15,080,483
73$19,692,624$6,194,898$4,308,151$16,463,089
74$21,653,863$6,451,039$4,405,066$17,981,400
75$23,813,655$6,718,237$4,503,733$19,649,065
76$26,192,205$6,996,988$4,604,165$21,481,119
77$28,811,778$7,287,809$4,706,373$23,494,121
78$31,696,909$7,591,241$4,810,366$25,706,313
79$34,874,632$7,907,850$4,916,152$28,137,787
80$38,374,740$8,238,230$5,023,738$30,810,676
81$42,230,059$8,582,999$5,133,129$33,749,364
82$46,476,766$8,942,807$5,244,329$36,980,709
83$51,154,722$9,318,331$5,357,341$40,534,301
84$56,307,856$9,710,281$5,472,164$44,442,737
85$61,984,574$10,119,401$5,588,798$48,741,930
86$68,238,215$10,546,467$5,707,238$53,471,441
87$75,127,562$10,992,293$5,827,479$58,674,858
88$82,717,387$11,457,729$5,949,513$64,400,201
89$91,079,069$11,943,666$6,073,330$70,700,377
90$100,291,265$12,451,036$6,198,917$77,633,674
91$110,440,651$12,980,814$6,326,259$85,264,314
92$121,622,745$13,534,021$6,455,336$93,663,054
93$133,942,802$14,111,726$6,586,127$102,907,853
94$147,516,814$14,715,046$6,718,608$113,084,607
95$162,472,597$15,345,152$6,852,749$124,287,956
96$178,951,006$16,003,268$6,988,521$136,622,177
97$197,107,258$16,690,678$7,125,886$150,202,166
98$217,112,401$17,408,723$7,264,805$165,154,518
99$239,154,924$18,158,809$7,405,234$181,618,725
100$263,442,542$18,942,407$7,547,125$199,748,483