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%16.6%
1 years$213,054$211,156$209,305$207,497$205,733$200,191
2 years$105,472$103,508$101,604$99,758$97,968$92,424
3 years$69,616$67,644$65,745$63,916$62,155$56,783
4 years$51,692$49,725$47,845$46,048$44,329$39,170
5 years$40,940$38,985$37,130$35,369$33,699$28,766
6 years$33,775$31,834$30,006$28,285$26,664$21,964
7 years$28,658$26,734$24,936$23,255$21,685$17,217
8 years$24,823$22,916$21,147$19,508$17,990$13,752
9 years$21,841$19,953$18,214$16,616$15,150$11,138
10 years$19,457$17,587$15,880$14,323$12,909$9,117
11 years$17,508$15,657$13,980$12,466$11,102$7,525
12 years$15,885$14,053$12,407$10,934$9,621$6,252
13 years$14,513$12,700$11,085$9,653$8,389$5,222
14 years$13,338$11,544$9,960$8,569$7,354$4,381
15 years$12,320$10,545$8,992$7,642$6,475$3,688
16 years$11,430$9,675$8,153$6,843$5,723$3,114
17 years$10,646$8,910$7,419$6,148$5,074$2,635
18 years$9,950$8,234$6,772$5,541$4,512$2,235
19 years$9,328$7,631$6,200$5,006$4,021$1,898
20 years$8,769$7,091$5,690$4,534$3,592$1,615
21 years$8,263$6,605$5,234$4,115$3,214$1,376
22 years$7,804$6,166$4,824$3,742$2,881$1,173
23 years$7,386$5,766$4,454$3,408$2,586$1,001
24 years$7,003$5,403$4,119$3,108$2,325$855
25 years$6,652$5,070$3,815$2,838$2,092$730
26 years$6,328$4,765$3,538$2,595$1,884$624
27 years$6,028$4,485$3,285$2,375$1,699$534
28 years$5,750$4,226$3,054$2,176$1,533$457
29 years$5,492$3,987$2,842$1,996$1,384$391
30 years$5,252$3,765$2,647$1,832$1,251$335
31 years$5,027$3,559$2,468$1,682$1,131$287
32 years$4,817$3,368$2,303$1,546$1,023$246
33 years$4,620$3,189$2,150$1,422$926$210
34 years$4,436$3,023$2,009$1,308$838$180
35 years$4,262$2,867$1,878$1,204$759$155
36 years$4,098$2,721$1,757$1,109$688$132
37 years$3,943$2,584$1,645$1,022$623$114
38 years$3,797$2,456$1,540$942$565$97
39 years$3,658$2,336$1,443$868$512$83
40 years$3,527$2,222$1,352$801$465$72
41 years$3,403$2,115$1,268$739$422$61
42 years$3,285$2,014$1,190$682$383$53
43 years$3,172$1,919$1,116$630$347$45
44 years$3,065$1,830$1,048$581$315$39
45 years$2,963$1,745$984$537$286$33
46 years$2,866$1,664$924$496$260$28
47 years$2,774$1,588$868$458$236$24
48 years$2,685$1,516$816$423$214$21
49 years$2,600$1,448$767$391$195$18
50 years$2,519$1,383$721$362$177$15

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 $6,403 every year, while hoping to spend $30,054 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: 74/6/20 Blend
51$2,580,000$2,580,000$2,580,000$2,580,000
52$2,849,765$2,713,025$2,673,035$3,046,638
53$3,108,463$2,813,986$2,730,604$3,279,140
54$3,392,542$2,918,886$2,789,095$3,529,579
55$3,704,558$3,027,888$2,848,506$3,803,251
56$4,047,328$3,141,160$2,908,836$4,102,463
57$4,423,954$3,258,876$2,970,081$4,429,757
58$4,837,857$3,381,220$3,032,238$4,787,931
59$5,292,801$3,508,382$3,095,300$5,180,068
60$5,792,936$3,640,562$3,159,262$5,609,562
61$6,342,833$3,777,967$3,224,115$6,080,152
62$6,947,529$3,920,815$3,289,850$6,595,957
63$7,612,572$4,069,330$3,356,455$7,161,515
64$8,344,076$4,223,749$3,423,918$7,781,823
65$9,148,777$4,384,318$3,492,225$8,462,386
66$10,034,096$4,551,293$3,561,358$9,209,269
67$11,008,210$4,724,942$3,631,299$10,029,154
68$12,080,128$4,905,545$3,702,029$10,929,401
69$13,259,778$5,093,394$3,773,524$11,918,120
70$14,558,098$5,288,793$3,845,760$13,004,245
71$15,987,140$5,492,060$3,918,709$14,197,617
72$17,560,185$5,703,527$3,992,341$15,509,083
73$19,291,863$5,923,540$4,066,624$16,950,589
74$21,198,300$6,152,460$4,141,523$18,535,299
75$23,297,262$6,390,665$4,216,999$20,277,718
76$25,608,325$6,638,550$4,293,011$22,193,827
77$28,153,060$6,896,526$4,369,513$24,301,233
78$30,955,238$7,165,021$4,446,458$26,619,337
79$34,041,052$7,444,486$4,523,793$29,169,517
80$37,439,362$7,735,389$4,601,463$31,975,327
81$41,181,973$8,038,219$4,679,408$35,062,721
82$45,303,929$8,353,487$4,757,563$38,460,296
83$49,843,849$8,681,727$4,835,861$42,199,564
84$54,844,287$9,023,497$4,914,228$46,315,248
85$60,352,135$9,379,379$4,992,585$50,845,608
86$66,419,066$9,749,982$5,070,850$55,832,803
87$73,102,021$10,135,941$5,148,933$61,323,290
88$80,463,746$10,537,921$5,226,742$67,368,259
89$88,573,384$10,956,615$5,304,174$74,024,118
90$97,507,129$11,392,749$5,381,123$81,353,026
91$107,348,943$11,847,081$5,457,478$89,423,477
92$118,191,348$12,320,401$5,533,116$98,310,946
93$130,136,303$12,813,538$5,607,913$108,098,603
94$143,296,160$13,327,355$5,681,732$118,878,098
95$157,794,730$13,862,757$5,754,432$130,750,423
96$173,768,449$14,420,689$5,825,861$143,826,867
97$191,367,664$15,002,136$5,895,862$158,230,066
98$210,758,057$15,608,132$5,964,264$174,095,159
99$232,122,203$16,239,755$6,030,891$191,571,065
100$255,661,297$16,898,132$6,095,555$210,821,887