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%19%
1 years$213,054$211,156$209,305$207,497$205,733$198,276
2 years$105,472$103,508$101,604$99,758$97,968$90,537
3 years$69,616$67,644$65,745$63,916$62,155$54,983
4 years$51,692$49,725$47,845$46,048$44,329$37,472
5 years$40,940$38,985$37,130$35,369$33,699$27,174
6 years$33,775$31,834$30,006$28,285$26,664$20,477
7 years$28,658$26,734$24,936$23,255$21,685$15,833
8 years$24,823$22,916$21,147$19,508$17,990$12,469
9 years$21,841$19,953$18,214$16,616$15,150$9,952
10 years$19,457$17,587$15,880$14,323$12,909$8,024
11 years$17,508$15,657$13,980$12,466$11,102$6,521
12 years$15,885$14,053$12,407$10,934$9,621$5,333
13 years$14,513$12,700$11,085$9,653$8,389$4,382
14 years$13,338$11,544$9,960$8,569$7,354$3,615
15 years$12,320$10,545$8,992$7,642$6,475$2,992
16 years$11,430$9,675$8,153$6,843$5,723$2,483
17 years$10,646$8,910$7,419$6,148$5,074$2,065
18 years$9,950$8,234$6,772$5,541$4,512$1,720
19 years$9,328$7,631$6,200$5,006$4,021$1,435
20 years$8,769$7,091$5,690$4,534$3,592$1,199
21 years$8,263$6,605$5,234$4,115$3,214$1,002
22 years$7,804$6,166$4,824$3,742$2,881$839
23 years$7,386$5,766$4,454$3,408$2,586$702
24 years$7,003$5,403$4,119$3,108$2,325$588
25 years$6,652$5,070$3,815$2,838$2,092$493
26 years$6,328$4,765$3,538$2,595$1,884$414
27 years$6,028$4,485$3,285$2,375$1,699$347
28 years$5,750$4,226$3,054$2,176$1,533$291
29 years$5,492$3,987$2,842$1,996$1,384$244
30 years$5,252$3,765$2,647$1,832$1,251$205
31 years$5,027$3,559$2,468$1,682$1,131$172
32 years$4,817$3,368$2,303$1,546$1,023$145
33 years$4,620$3,189$2,150$1,422$926$121
34 years$4,436$3,023$2,009$1,308$838$102
35 years$4,262$2,867$1,878$1,204$759$86
36 years$4,098$2,721$1,757$1,109$688$72
37 years$3,943$2,584$1,645$1,022$623$60
38 years$3,797$2,456$1,540$942$565$51
39 years$3,658$2,336$1,443$868$512$43
40 years$3,527$2,222$1,352$801$465$36
41 years$3,403$2,115$1,268$739$422$30
42 years$3,285$2,014$1,190$682$383$25
43 years$3,172$1,919$1,116$630$347$21
44 years$3,065$1,830$1,048$581$315$18
45 years$2,963$1,745$984$537$286$15
46 years$2,866$1,664$924$496$260$13
47 years$2,774$1,588$868$458$236$11
48 years$2,685$1,516$816$423$214$9
49 years$2,600$1,448$767$391$195$7
50 years$2,519$1,383$721$362$177$6

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 $3,691 every year, while hoping to spend $34,517 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: 43/28/29 Blend
51$2,580,000$2,580,000$2,580,000$2,580,000
52$2,846,967$2,710,227$2,670,237$2,945,166
53$3,100,632$2,806,303$2,722,964$3,112,117
54$3,379,014$2,905,929$2,776,301$3,289,357
55$3,684,597$3,009,243$2,830,231$3,480,751
56$4,020,119$3,116,389$2,884,737$3,687,631
57$4,388,595$3,227,516$2,939,799$3,911,465
58$4,793,345$3,342,778$2,995,396$4,153,867
59$5,238,030$3,462,337$3,051,505$4,416,609
60$5,726,678$3,586,361$3,108,100$4,701,644
61$6,263,731$3,715,024$3,165,153$5,011,120
62$6,854,081$3,848,510$3,222,635$5,347,399
63$7,503,118$3,987,007$3,280,513$5,713,080
64$8,216,778$4,130,713$3,338,753$6,111,026
65$9,001,605$4,279,833$3,397,317$6,544,386
66$9,864,805$4,434,582$3,456,164$7,016,625
67$10,814,321$4,595,182$3,515,251$7,531,560
68$11,858,901$4,761,866$3,574,531$8,093,390
69$13,008,187$4,934,875$3,633,955$8,706,741
70$14,272,799$5,114,461$3,693,470$9,376,704
71$15,664,442$5,300,887$3,753,019$10,108,884
72$17,196,011$5,494,426$3,812,541$10,909,455
73$18,881,714$5,695,363$3,871,971$11,785,214
74$20,737,208$5,903,994$3,931,241$12,743,647
75$22,779,743$6,120,630$3,990,278$13,792,996
76$25,028,328$6,345,593$4,049,003$14,942,342
77$27,503,908$6,579,217$4,107,335$16,201,682
78$30,229,562$6,821,854$4,165,186$17,582,031
79$33,230,721$7,073,868$4,222,463$19,095,517
80$36,535,406$7,335,640$4,279,068$20,755,502
81$40,174,497$7,607,566$4,334,896$22,576,705
82$44,182,019$7,890,059$4,389,838$24,575,335
83$48,595,463$8,183,550$4,443,776$26,769,252
84$53,456,146$8,488,490$4,496,588$29,178,128
85$58,809,593$8,805,346$4,548,144$31,823,634
86$64,705,970$9,134,606$4,598,305$34,729,646
87$71,200,558$9,476,782$4,646,928$37,922,465
88$78,354,274$9,832,403$4,693,859$41,431,067
89$86,234,243$10,202,024$4,738,936$45,287,375
90$94,914,436$10,586,223$4,781,991$49,526,560
91$104,476,364$10,985,603$4,822,843$54,187,371
92$115,009,849$11,400,794$4,861,304$59,312,499
93$126,613,872$11,832,451$4,897,176$64,948,980
94$139,397,506$12,281,260$4,930,250$71,148,638
95$153,480,944$12,747,934$4,960,306$77,968,574
96$168,996,637$13,233,220$4,987,113$85,471,699
97$186,090,541$13,737,894$5,010,428$93,727,332
98$204,923,494$14,262,769$5,029,996$102,811,852
99$225,672,739$14,808,693$5,045,549$112,809,413
100$248,533,587$15,376,548$5,056,804$123,812,743