Can I retire at age 52 with 2,580,000?

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 $2,580,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.8%
1 years$213,054$211,156$209,305$207,497$205,733$197,648
2 years$105,472$103,508$101,604$99,758$97,968$89,922
3 years$69,616$67,644$65,745$63,916$62,155$54,401
4 years$51,692$49,725$47,845$46,048$44,329$36,926
5 years$40,940$38,985$37,130$35,369$33,699$26,665
6 years$33,775$31,834$30,006$28,285$26,664$20,005
7 years$28,658$26,734$24,936$23,255$21,685$15,398
8 years$24,823$22,916$21,147$19,508$17,990$12,068
9 years$21,841$19,953$18,214$16,616$15,150$9,585
10 years$19,457$17,587$15,880$14,323$12,909$7,690
11 years$17,508$15,657$13,980$12,466$11,102$6,217
12 years$15,885$14,053$12,407$10,934$9,621$5,057
13 years$14,513$12,700$11,085$9,653$8,389$4,133
14 years$13,338$11,544$9,960$8,569$7,354$3,390
15 years$12,320$10,545$8,992$7,642$6,475$2,790
16 years$11,430$9,675$8,153$6,843$5,723$2,302
17 years$10,646$8,910$7,419$6,148$5,074$1,903
18 years$9,950$8,234$6,772$5,541$4,512$1,576
19 years$9,328$7,631$6,200$5,006$4,021$1,307
20 years$8,769$7,091$5,690$4,534$3,592$1,085
21 years$8,263$6,605$5,234$4,115$3,214$901
22 years$7,804$6,166$4,824$3,742$2,881$749
23 years$7,386$5,766$4,454$3,408$2,586$624
24 years$7,003$5,403$4,119$3,108$2,325$519
25 years$6,652$5,070$3,815$2,838$2,092$432
26 years$6,328$4,765$3,538$2,595$1,884$360
27 years$6,028$4,485$3,285$2,375$1,699$300
28 years$5,750$4,226$3,054$2,176$1,533$250
29 years$5,492$3,987$2,842$1,996$1,384$209
30 years$5,252$3,765$2,647$1,832$1,251$174
31 years$5,027$3,559$2,468$1,682$1,131$145
32 years$4,817$3,368$2,303$1,546$1,023$121
33 years$4,620$3,189$2,150$1,422$926$101
34 years$4,436$3,023$2,009$1,308$838$84
35 years$4,262$2,867$1,878$1,204$759$70
36 years$4,098$2,721$1,757$1,109$688$59
37 years$3,943$2,584$1,645$1,022$623$49
38 years$3,797$2,456$1,540$942$565$41
39 years$3,658$2,336$1,443$868$512$34
40 years$3,527$2,222$1,352$801$465$28
41 years$3,403$2,115$1,268$739$422$24
42 years$3,285$2,014$1,190$682$383$20
43 years$3,172$1,919$1,116$630$347$17
44 years$3,065$1,830$1,048$581$315$14
45 years$2,963$1,745$984$537$286$12
46 years$2,866$1,664$924$496$260$10
47 years$2,774$1,588$868$458$236$8
48 years$2,685$1,516$816$423$214$7
49 years$2,600$1,448$767$391$195$6
50 years$2,519$1,383$721$362$177$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,580,000, adding $6,624 every year, while hoping to spend $56,111 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: 55/37/8 Blend
51$2,580,000$2,580,000$2,580,000$2,580,000
52$2,849,993$2,713,253$2,673,263$3,000,975
53$3,080,990$2,786,500$2,703,115$3,176,998
54$3,333,669$2,861,457$2,732,087$3,361,779
55$3,610,181$2,938,146$2,760,090$3,561,603
56$3,912,897$3,016,592$2,787,030$3,777,907
57$4,244,425$3,096,818$2,812,809$4,012,275
58$4,607,640$3,178,846$2,837,322$4,266,448
59$5,005,707$3,262,697$2,860,460$4,542,344
60$5,442,112$3,348,392$2,882,108$4,842,073
61$5,920,694$3,435,950$2,902,145$5,167,962
62$6,445,681$3,525,387$2,920,442$5,522,568
63$7,021,730$3,616,721$2,936,867$5,908,710
64$7,653,972$3,709,965$2,951,278$6,329,491
65$8,348,057$3,805,134$2,963,525$6,788,330
66$9,110,210$3,902,237$2,973,455$7,288,991
67$9,947,289$4,001,284$2,980,903$7,835,619
68$10,866,846$4,102,281$2,985,698$8,432,783
69$11,877,204$4,205,232$2,987,658$9,085,512
70$12,987,530$4,310,139$2,986,595$9,799,347
71$14,207,922$4,417,000$2,982,310$10,580,394
72$15,549,508$4,525,811$2,974,595$11,435,377
73$17,024,545$4,636,564$2,963,232$12,371,704
74$18,646,540$4,749,246$2,947,991$13,397,539
75$20,430,371$4,863,843$2,928,633$14,521,875
76$22,392,432$4,980,334$2,904,905$15,754,618
77$24,550,785$5,098,696$2,876,545$17,106,686
78$26,925,331$5,218,898$2,843,275$18,590,107
79$29,537,998$5,340,907$2,804,808$20,218,133
80$32,412,945$5,464,683$2,760,840$22,005,368
81$35,576,792$5,590,179$2,711,054$23,967,902
82$39,058,869$5,717,342$2,655,119$26,123,465
83$42,891,495$5,846,113$2,592,687$28,491,593
84$47,110,281$5,976,426$2,523,396$31,093,815
85$51,754,465$6,108,206$2,446,864$33,953,853
86$56,867,281$6,241,369$2,362,695$37,097,847
87$62,496,372$6,375,824$2,270,474$40,554,603
88$68,694,231$6,511,469$2,169,764$44,355,862
89$75,518,704$6,648,192$2,060,112$48,536,603
90$83,033,530$6,785,871$1,941,044$53,135,373
91$91,308,943$6,924,372$1,812,062$58,194,649
92$100,422,337$7,063,548$1,672,648$63,761,239
93$110,458,993$7,203,240$1,522,260$69,886,726
94$121,512,886$7,343,275$1,360,331$76,627,954
95$133,687,569$7,483,464$1,186,271$84,047,565
96$147,097,152$7,623,604$999,461$92,214,592
97$161,867,375$7,763,474$799,257$101,205,109
98$178,136,800$7,902,838$584,985$111,102,949
99$196,058,114$8,041,437$355,942$122,000,498
100$215,799,569$8,178,995$111,394$133,999,568