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

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 $2,570,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.5%
1 years$212,228$210,338$208,493$206,693$204,935$197,116
2 years$105,063$103,107$101,210$99,372$97,588$89,802
3 years$69,347$67,381$65,490$63,668$61,914$54,406
4 years$51,492$49,532$47,660$45,870$44,158$36,986
5 years$40,781$38,834$36,986$35,232$33,568$26,750
6 years$33,644$31,711$29,890$28,175$26,561$20,102
7 years$28,547$26,631$24,839$23,165$21,601$15,499
8 years$24,727$22,828$21,065$19,432$17,920$12,169
9 years$21,757$19,875$18,144$16,552$15,092$9,683
10 years$19,382$17,519$15,818$14,268$12,859$7,783
11 years$17,440$15,596$13,926$12,417$11,059$6,305
12 years$15,824$13,998$12,359$10,892$9,583$5,138
13 years$14,457$12,650$11,042$9,616$8,357$4,208
14 years$13,286$11,499$9,921$8,536$7,326$3,460
15 years$12,272$10,505$8,957$7,612$6,450$2,853
16 years$11,386$9,638$8,121$6,816$5,701$2,359
17 years$10,605$8,876$7,390$6,124$5,055$1,955
18 years$9,912$8,202$6,746$5,519$4,494$1,622
19 years$9,292$7,601$6,176$4,987$4,006$1,348
20 years$8,735$7,064$5,668$4,517$3,578$1,122
21 years$8,231$6,579$5,213$4,099$3,202$934
22 years$7,774$6,142$4,805$3,727$2,870$779
23 years$7,358$5,744$4,436$3,394$2,576$649
24 years$6,976$5,382$4,103$3,096$2,316$542
25 years$6,626$5,051$3,800$2,827$2,084$453
26 years$6,303$4,747$3,524$2,585$1,877$378
27 years$6,005$4,467$3,273$2,366$1,692$316
28 years$5,728$4,209$3,042$2,168$1,527$264
29 years$5,471$3,971$2,831$1,988$1,379$221
30 years$5,231$3,750$2,637$1,825$1,246$184
31 years$5,008$3,545$2,459$1,676$1,126$154
32 years$4,799$3,355$2,294$1,540$1,019$129
33 years$4,602$3,177$2,142$1,416$922$108
34 years$4,418$3,011$2,001$1,303$835$90
35 years$4,245$2,856$1,871$1,199$756$75
36 years$4,082$2,711$1,750$1,105$685$63
37 years$3,928$2,574$1,638$1,018$621$53
38 years$3,782$2,447$1,534$938$563$44
39 years$3,644$2,327$1,437$865$510$37
40 years$3,514$2,213$1,347$798$463$31
41 years$3,390$2,107$1,263$736$420$26
42 years$3,272$2,007$1,185$679$381$22
43 years$3,160$1,912$1,112$627$346$18
44 years$3,054$1,822$1,044$579$314$15
45 years$2,952$1,738$980$535$285$13
46 years$2,855$1,658$920$494$259$11
47 years$2,763$1,582$865$456$235$9
48 years$2,674$1,510$813$422$213$7
49 years$2,590$1,442$764$390$194$6
50 years$2,509$1,378$718$360$176$5

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 $3,571 every year, while hoping to spend $44,946 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: 63/22/15 Blend
51$2,570,000$2,570,000$2,570,000$2,570,000
52$2,835,823$2,699,613$2,659,778$3,003,853
53$3,077,255$2,784,072$2,701,059$3,201,484
54$3,341,807$2,871,163$2,742,216$3,411,751
55$3,631,789$2,960,968$2,783,198$3,640,277
56$3,949,746$3,053,570$2,823,949$3,888,838
57$4,298,481$3,149,056$2,864,413$4,159,393
58$4,681,083$3,247,516$2,904,527$4,454,096
59$5,100,950$3,349,042$2,944,226$4,775,318
60$5,561,829$3,453,727$2,983,440$5,125,672
61$6,067,847$3,561,671$3,022,096$5,508,033
62$6,623,548$3,672,973$3,060,117$5,925,569
63$7,233,938$3,787,737$3,097,419$6,381,767
64$7,904,535$3,906,071$3,133,918$6,880,466
65$8,641,413$4,028,085$3,169,520$7,425,899
66$9,451,267$4,153,891$3,204,129$8,022,722
67$10,341,472$4,283,607$3,237,643$8,676,068
68$11,320,153$4,417,355$3,269,954$9,391,588
69$12,396,260$4,555,257$3,300,949$10,175,508
70$13,579,656$4,697,441$3,330,508$11,034,687
71$14,881,206$4,844,041$3,358,506$11,976,678
72$16,312,882$4,995,192$3,384,808$13,009,804
73$17,887,873$5,151,033$3,409,276$14,143,232
74$19,620,711$5,311,710$3,431,763$15,387,064
75$21,527,411$5,477,370$3,452,114$16,752,427
76$23,625,613$5,648,167$3,470,166$18,251,578
77$25,934,757$5,824,260$3,485,748$19,898,025
78$28,476,264$6,005,809$3,498,682$21,706,649
79$31,273,733$6,192,984$3,508,778$23,693,843
80$34,353,170$6,385,957$3,515,838$25,877,671
81$37,743,229$6,584,904$3,519,654$28,278,037
82$41,475,484$6,790,011$3,520,009$30,916,870
83$45,584,727$7,001,464$3,516,672$33,818,331
84$50,109,292$7,219,460$3,509,404$37,009,044
85$55,091,424$7,444,197$3,497,953$40,518,343
86$60,577,668$7,675,882$3,482,054$44,378,553
87$66,619,318$7,914,728$3,461,430$48,625,288
88$73,272,892$8,160,953$3,435,792$53,297,793
89$80,600,670$8,414,783$3,404,834$58,439,313
90$88,671,281$8,676,450$3,368,238$64,097,498
91$97,560,348$8,946,192$3,325,671$70,324,854
92$107,351,205$9,224,257$3,276,782$77,179,239
93$118,135,680$9,510,898$3,221,207$84,724,409
94$130,014,963$9,806,375$3,158,561$93,030,615
95$143,100,561$10,110,959$3,088,443$102,175,274
96$157,515,347$10,424,925$3,010,436$112,243,691
97$173,394,726$10,748,559$2,924,098$123,329,870
98$190,887,904$11,082,155$2,828,972$135,537,397
99$210,159,305$11,426,015$2,724,577$148,980,419
100$231,390,115$11,780,451$2,610,411$163,784,721