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%17.9%
1 years$211,402$209,519$207,682$205,889$204,138$197,603
2 years$104,655$102,706$100,817$98,985$97,209$90,685
3 years$69,077$67,119$65,235$63,421$61,673$55,366
4 years$51,291$49,340$47,474$45,691$43,986$37,943
5 years$40,623$38,683$36,842$35,095$33,437$27,675
6 years$33,513$31,588$29,774$28,066$26,458$20,981
7 years$28,436$26,527$24,742$23,074$21,517$16,325
8 years$24,630$22,739$20,983$19,357$17,851$12,940
9 years$21,672$19,798$18,073$16,488$15,033$10,398
10 years$19,307$17,451$15,756$14,212$12,809$8,442
11 years$17,373$15,536$13,872$12,369$11,016$6,910
12 years$15,762$13,944$12,311$10,849$9,546$5,692
13 years$14,400$12,601$10,999$9,578$8,324$4,713
14 years$13,234$11,454$9,883$8,503$7,297$3,918
15 years$12,224$10,464$8,923$7,583$6,425$3,268
16 years$11,342$9,600$8,090$6,790$5,678$2,734
17 years$10,564$8,841$7,361$6,100$5,035$2,292
18 years$9,873$8,170$6,720$5,498$4,477$1,925
19 years$9,256$7,572$6,152$4,968$3,990$1,619
20 years$8,701$7,036$5,646$4,499$3,564$1,364
21 years$8,199$6,554$5,193$4,083$3,190$1,150
22 years$7,744$6,118$4,786$3,713$2,859$971
23 years$7,329$5,722$4,419$3,381$2,566$820
24 years$6,949$5,361$4,087$3,084$2,307$693
25 years$6,600$5,031$3,785$2,816$2,076$586
26 years$6,278$4,728$3,511$2,575$1,870$496
27 years$5,981$4,450$3,260$2,357$1,686$420
28 years$5,706$4,193$3,031$2,160$1,521$355
29 years$5,450$3,956$2,820$1,980$1,373$301
30 years$5,211$3,736$2,627$1,817$1,241$255
31 years$4,988$3,532$2,449$1,669$1,122$216
32 years$4,780$3,342$2,285$1,534$1,015$183
33 years$4,585$3,164$2,134$1,411$918$155
34 years$4,401$2,999$1,993$1,298$832$131
35 years$4,229$2,845$1,864$1,195$753$111
36 years$4,066$2,700$1,743$1,100$682$94
37 years$3,912$2,564$1,632$1,014$619$80
38 years$3,767$2,437$1,528$935$561$68
39 years$3,630$2,317$1,432$862$509$58
40 years$3,500$2,205$1,342$795$461$49
41 years$3,376$2,099$1,258$733$418$41
42 years$3,259$1,999$1,180$677$380$35
43 years$3,148$1,905$1,108$625$345$30
44 years$3,042$1,815$1,040$577$313$25
45 years$2,941$1,731$976$533$284$21
46 years$2,844$1,651$917$492$258$18
47 years$2,752$1,576$861$455$234$15
48 years$2,664$1,504$809$420$213$13
49 years$2,580$1,437$761$388$193$11
50 years$2,499$1,372$715$359$175$9

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 $6,681 every year, while hoping to spend $26,928 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: 30/49/21 Blend
51$2,560,000$2,560,000$2,560,000$2,560,000
52$2,828,011$2,692,331$2,652,651$2,894,119
53$3,087,817$2,795,605$2,712,864$3,048,354
54$3,373,221$2,903,035$2,774,191$3,211,295
55$3,686,805$3,014,800$2,836,642$3,386,025
56$4,031,414$3,131,080$2,900,225$3,573,581
57$4,410,183$3,252,067$2,964,947$3,775,098
58$4,826,565$3,377,961$3,030,815$3,991,824
59$5,284,363$3,508,971$3,097,837$4,225,123
60$5,787,770$3,645,312$3,166,016$4,476,494
61$6,341,403$3,787,213$3,235,358$4,747,583
62$6,950,350$3,934,910$3,305,867$5,040,193
63$7,620,217$4,088,651$3,377,544$5,356,305
64$8,357,179$4,248,695$3,450,392$5,698,095
65$9,168,042$4,415,312$3,524,410$6,067,952
66$10,060,303$4,588,784$3,599,599$6,468,499
67$11,042,225$4,769,405$3,675,956$6,902,619
68$12,122,909$4,957,483$3,753,478$7,373,478
69$13,312,386$5,153,340$3,832,160$7,884,557
70$14,621,707$5,357,311$3,911,995$8,439,680
71$16,063,050$5,569,748$3,992,976$9,043,052
72$17,649,832$5,791,017$4,075,092$9,699,297
73$19,396,840$6,021,501$4,158,332$10,413,495
74$21,320,364$6,261,601$4,242,682$11,191,236
75$23,438,356$6,511,735$4,328,128$12,038,667
76$25,770,598$6,772,340$4,414,650$12,962,548
77$28,338,887$7,043,872$4,502,228$13,970,316
78$31,167,242$7,326,810$4,590,841$15,070,152
79$34,282,129$7,621,653$4,680,463$16,271,057
80$37,712,713$7,928,921$4,771,065$17,582,936
81$41,491,132$8,249,160$4,862,618$19,016,686
82$45,652,798$8,582,940$4,955,087$20,584,301
83$50,236,736$8,930,856$5,048,435$22,298,980
84$55,285,948$9,293,533$5,142,622$24,175,251
85$60,847,818$9,671,620$5,237,603$26,229,106
86$66,974,565$10,065,798$5,333,332$28,478,147
87$73,723,728$10,476,779$5,429,756$30,941,751
88$81,158,715$10,905,308$5,526,820$33,641,252
89$89,349,398$11,352,163$5,624,463$36,600,136
90$98,372,775$11,818,157$5,722,621$39,844,264
91$108,313,693$12,304,142$5,821,223$43,402,108
92$119,265,652$12,811,007$5,920,196$47,305,020
93$131,331,685$13,339,683$6,019,460$51,587,526
94$144,625,333$13,891,144$6,118,928$56,287,643
95$159,271,715$14,466,408$6,218,510$61,447,239
96$175,408,707$15,066,539$6,318,108$67,112,423
97$193,188,248$15,692,652$6,417,617$73,333,976
98$212,777,770$16,345,913$6,516,927$80,167,826
99$234,361,778$17,027,538$6,615,920$87,675,571
100$258,143,597$17,738,805$6,714,471$95,925,059