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

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 $2,580,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.4%
1 years$213,054$211,156$209,305$207,497$205,733$203,669
2 years$105,472$103,508$101,604$99,758$97,968$95,889
3 years$69,616$67,644$65,745$63,916$62,155$60,126
4 years$51,692$49,725$47,845$46,048$44,329$42,366
5 years$40,940$38,985$37,130$35,369$33,699$31,806
6 years$33,775$31,834$30,006$28,285$26,664$24,845
7 years$28,658$26,734$24,936$23,255$21,685$19,940
8 years$24,823$22,916$21,147$19,508$17,990$16,319
9 years$21,841$19,953$18,214$16,616$15,150$13,552
10 years$19,457$17,587$15,880$14,323$12,909$11,383
11 years$17,508$15,657$13,980$12,466$11,102$9,648
12 years$15,885$14,053$12,407$10,934$9,621$8,236
13 years$14,513$12,700$11,085$9,653$8,389$7,073
14 years$13,338$11,544$9,960$8,569$7,354$6,104
15 years$12,320$10,545$8,992$7,642$6,475$5,290
16 years$11,430$9,675$8,153$6,843$5,723$4,600
17 years$10,646$8,910$7,419$6,148$5,074$4,012
18 years$9,950$8,234$6,772$5,541$4,512$3,508
19 years$9,328$7,631$6,200$5,006$4,021$3,074
20 years$8,769$7,091$5,690$4,534$3,592$2,698
21 years$8,263$6,605$5,234$4,115$3,214$2,373
22 years$7,804$6,166$4,824$3,742$2,881$2,089
23 years$7,386$5,766$4,454$3,408$2,586$1,842
24 years$7,003$5,403$4,119$3,108$2,325$1,626
25 years$6,652$5,070$3,815$2,838$2,092$1,436
26 years$6,328$4,765$3,538$2,595$1,884$1,270
27 years$6,028$4,485$3,285$2,375$1,699$1,123
28 years$5,750$4,226$3,054$2,176$1,533$995
29 years$5,492$3,987$2,842$1,996$1,384$881
30 years$5,252$3,765$2,647$1,832$1,251$781
31 years$5,027$3,559$2,468$1,682$1,131$692
32 years$4,817$3,368$2,303$1,546$1,023$614
33 years$4,620$3,189$2,150$1,422$926$545
34 years$4,436$3,023$2,009$1,308$838$484
35 years$4,262$2,867$1,878$1,204$759$429
36 years$4,098$2,721$1,757$1,109$688$381
37 years$3,943$2,584$1,645$1,022$623$339
38 years$3,797$2,456$1,540$942$565$301
39 years$3,658$2,336$1,443$868$512$267
40 years$3,527$2,222$1,352$801$465$238
41 years$3,403$2,115$1,268$739$422$211
42 years$3,285$2,014$1,190$682$383$188
43 years$3,172$1,919$1,116$630$347$167
44 years$3,065$1,830$1,048$581$315$148
45 years$2,963$1,745$984$537$286$132
46 years$2,866$1,664$924$496$260$117
47 years$2,774$1,588$868$458$236$104
48 years$2,685$1,516$816$423$214$93
49 years$2,600$1,448$767$391$195$82
50 years$2,519$1,383$721$362$177$73

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 $4,576 every year, while hoping to spend $23,572 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: 71/9/20 Blend
51$2,580,000$2,580,000$2,580,000$2,580,000
52$2,847,880$2,711,140$2,671,150$3,035,930
53$3,113,283$2,818,906$2,735,553$3,269,562
54$3,404,968$2,931,162$2,801,324$3,522,041
55$3,725,589$3,048,103$2,868,483$3,797,891
56$4,078,073$3,169,934$2,937,051$4,099,427
57$4,465,644$3,296,868$3,007,049$4,429,195
58$4,891,852$3,429,127$3,078,498$4,789,999
59$5,360,611$3,566,944$3,151,418$5,184,926
60$5,876,232$3,710,563$3,225,829$5,617,377
61$6,443,464$3,860,237$3,301,751$6,091,097
62$7,067,542$4,016,233$3,379,204$6,610,210
63$7,754,231$4,178,829$3,458,207$7,179,257
64$8,509,885$4,348,314$3,538,779$7,803,241
65$9,341,505$4,524,993$3,620,940$8,487,673
66$10,256,804$4,709,182$3,704,706$9,238,620
67$11,264,281$4,901,215$3,790,097$10,062,769
68$12,373,300$5,101,438$3,877,128$10,967,483
69$13,594,182$5,310,213$3,965,817$11,960,873
70$14,938,296$5,527,921$4,056,180$13,051,875
71$16,418,171$5,754,959$4,148,231$14,250,332
72$18,047,613$5,991,740$4,241,985$15,567,089
73$19,841,834$6,238,699$4,337,456$17,014,091
74$21,817,596$6,496,291$4,434,655$18,604,500
75$23,993,371$6,764,989$4,533,596$20,352,815
76$26,389,512$7,045,290$4,634,289$22,275,010
77$29,028,446$7,337,714$4,736,742$24,388,685
78$31,934,889$7,642,803$4,840,964$26,713,229
79$35,136,074$7,961,127$4,946,962$29,270,007
80$38,662,010$8,293,279$5,054,742$32,082,554
81$42,545,767$8,639,881$5,164,308$35,176,805
82$46,823,784$9,001,583$5,275,660$38,581,333
83$51,536,216$9,379,068$5,388,802$42,327,621
84$56,727,314$9,773,045$5,503,730$46,450,358
85$62,445,837$10,184,262$5,620,442$50,987,765
86$68,745,518$10,613,496$5,738,933$55,981,956
87$75,685,568$11,061,565$5,859,194$61,479,333
88$83,331,235$11,529,321$5,981,217$67,531,029
89$91,754,422$12,017,658$6,104,988$74,193,381
90$101,034,360$12,527,511$6,230,492$81,528,469
91$111,258,363$13,059,857$6,357,712$89,604,697
92$122,522,647$13,615,721$6,486,627$98,497,438
93$134,933,241$14,196,175$6,617,212$108,289,748
94$148,606,982$14,802,339$6,749,440$119,073,145
95$163,672,628$15,435,387$6,883,280$130,948,474
96$180,272,064$16,096,548$7,018,697$144,026,858
97$198,561,644$16,787,109$7,155,653$158,430,746
98$218,713,669$17,508,414$7,294,104$174,295,068
99$240,918,010$18,261,874$7,434,004$191,768,507
100$265,383,904$19,048,963$7,575,300$211,014,901