Can I retire at age 52 with 2,570,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $2,570,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.1%
1 years$212,228$210,338$208,493$206,693$204,935$199,819
2 years$105,063$103,107$101,210$99,372$97,588$92,466
3 years$69,347$67,381$65,490$63,668$61,914$56,946
4 years$51,492$49,532$47,660$45,870$44,158$39,382
5 years$40,781$38,834$36,986$35,232$33,568$28,998
6 years$33,644$31,711$29,890$28,175$26,561$22,202
7 years$28,547$26,631$24,839$23,165$21,601$17,453
8 years$24,727$22,828$21,065$19,432$17,920$13,981
9 years$21,757$19,875$18,144$16,552$15,092$11,357
10 years$19,382$17,519$15,818$14,268$12,859$9,326
11 years$17,440$15,596$13,926$12,417$11,059$7,722
12 years$15,824$13,998$12,359$10,892$9,583$6,437
13 years$14,457$12,650$11,042$9,616$8,357$5,395
14 years$13,286$11,499$9,921$8,536$7,326$4,541
15 years$12,272$10,505$8,957$7,612$6,450$3,836
16 years$11,386$9,638$8,121$6,816$5,701$3,250
17 years$10,605$8,876$7,390$6,124$5,055$2,761
18 years$9,912$8,202$6,746$5,519$4,494$2,350
19 years$9,292$7,601$6,176$4,987$4,006$2,004
20 years$8,735$7,064$5,668$4,517$3,578$1,711
21 years$8,231$6,579$5,213$4,099$3,202$1,463
22 years$7,774$6,142$4,805$3,727$2,870$1,252
23 years$7,358$5,744$4,436$3,394$2,576$1,073
24 years$6,976$5,382$4,103$3,096$2,316$920
25 years$6,626$5,051$3,800$2,827$2,084$789
26 years$6,303$4,747$3,524$2,585$1,877$677
27 years$6,005$4,467$3,273$2,366$1,692$582
28 years$5,728$4,209$3,042$2,168$1,527$500
29 years$5,471$3,971$2,831$1,988$1,379$430
30 years$5,231$3,750$2,637$1,825$1,246$369
31 years$5,008$3,545$2,459$1,676$1,126$318
32 years$4,799$3,355$2,294$1,540$1,019$273
33 years$4,602$3,177$2,142$1,416$922$235
34 years$4,418$3,011$2,001$1,303$835$202
35 years$4,245$2,856$1,871$1,199$756$174
36 years$4,082$2,711$1,750$1,105$685$150
37 years$3,928$2,574$1,638$1,018$621$129
38 years$3,782$2,447$1,534$938$563$111
39 years$3,644$2,327$1,437$865$510$96
40 years$3,514$2,213$1,347$798$463$82
41 years$3,390$2,107$1,263$736$420$71
42 years$3,272$2,007$1,185$679$381$61
43 years$3,160$1,912$1,112$627$346$53
44 years$3,054$1,822$1,044$579$314$45
45 years$2,952$1,738$980$535$285$39
46 years$2,855$1,658$920$494$259$34
47 years$2,763$1,582$865$456$235$29
48 years$2,674$1,510$813$422$213$25
49 years$2,590$1,442$764$390$194$21
50 years$2,509$1,378$718$360$176$18

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,570,000, adding $4,364 every year, while hoping to spend $36,001 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: 33/44/23 Blend
51$2,570,000$2,570,000$2,570,000$2,570,000
52$2,836,641$2,700,431$2,660,596$2,910,138
53$3,087,674$2,794,448$2,711,422$3,059,598
54$3,363,105$2,891,864$2,762,743$3,217,000
55$3,665,386$2,992,810$2,814,539$3,385,910
56$3,997,216$3,097,418$2,866,786$3,567,366
57$4,361,568$3,205,827$2,919,459$3,762,508
58$4,761,718$3,318,183$2,972,531$3,972,587
59$5,201,274$3,434,634$3,025,972$4,198,977
60$5,684,211$3,555,339$3,079,750$4,443,189
61$6,214,909$3,680,459$3,133,830$4,706,883
62$6,798,192$3,810,164$3,188,175$4,991,881
63$7,439,375$3,944,629$3,242,746$5,300,189
64$8,144,313$4,084,037$3,297,499$5,634,011
65$8,919,457$4,228,579$3,352,390$5,995,770
66$9,771,915$4,378,454$3,407,369$6,388,130
67$10,709,519$4,533,866$3,462,384$6,814,022
68$11,740,895$4,695,031$3,517,379$7,276,669
69$12,875,550$4,862,171$3,572,295$7,779,618
70$14,123,959$5,035,520$3,627,069$8,326,770
71$15,497,660$5,215,318$3,681,634$8,922,417
72$17,009,371$5,401,818$3,735,918$9,571,282
73$18,673,101$5,595,281$3,789,846$10,278,565
74$20,504,288$5,795,981$3,843,336$11,049,985
75$22,519,941$6,004,200$3,896,304$11,891,840
76$24,738,804$6,220,235$3,948,659$12,811,060
77$27,181,529$6,444,393$4,000,306$13,815,275
78$29,870,872$6,676,995$4,051,143$14,912,886
79$32,831,908$6,918,374$4,101,063$16,113,138
80$36,092,266$7,168,879$4,149,953$17,426,214
81$39,682,394$7,428,871$4,197,693$18,863,326
82$43,635,840$7,698,727$4,244,157$20,436,816
83$47,989,571$7,978,839$4,289,211$22,160,279
84$52,784,323$8,269,618$4,332,716$24,048,684
85$58,064,984$8,571,490$4,374,522$26,118,517
86$63,881,017$8,884,897$4,414,473$28,387,934
87$70,286,927$9,210,304$4,452,405$30,876,930
88$77,342,778$9,548,193$4,488,144$33,607,529
89$85,114,752$9,899,065$4,521,508$36,603,990
90$93,675,782$10,263,445$4,552,304$39,893,029
91$103,106,236$10,641,878$4,580,331$43,504,079
92$113,494,676$11,034,934$4,605,375$47,469,558
93$124,938,692$11,443,205$4,627,214$51,825,176
94$137,545,826$11,867,309$4,645,613$56,610,272
95$151,434,584$12,307,891$4,660,325$61,868,181
96$166,735,556$12,765,623$4,671,091$67,646,641
97$183,592,650$13,241,204$4,677,639$73,998,246
98$202,164,443$13,735,367$4,679,683$80,980,933
99$222,625,688$14,248,871$4,676,924$88,658,533
100$245,168,955$14,782,513$4,669,048$97,101,369