Can I retire at age 52 with 2,590,000?

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 $2,590,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.8%
1 years$213,880$211,975$210,116$208,302$206,530$203,276
2 years$105,881$103,909$101,998$100,145$98,348$95,078
3 years$69,886$67,906$65,999$64,164$62,396$59,212
4 years$51,892$49,918$48,031$46,226$44,501$41,427
5 years$41,099$39,136$37,274$35,506$33,829$30,875
6 years$33,905$31,958$30,123$28,395$26,768$23,936
7 years$28,769$26,838$25,032$23,345$21,769$19,061
8 years$24,919$23,005$21,229$19,583$18,060$15,475
9 years$21,926$20,030$18,285$16,681$15,209$12,745
10 years$19,533$17,656$15,941$14,379$12,959$10,615
11 years$17,576$15,718$14,034$12,514$11,145$8,918
12 years$15,947$14,107$12,455$10,976$9,658$7,546
13 years$14,569$12,749$11,128$9,691$8,422$6,422
14 years$13,389$11,588$9,998$8,602$7,383$5,490
15 years$12,368$10,586$9,027$7,672$6,500$4,713
16 years$11,475$9,713$8,184$6,869$5,745$4,059
17 years$10,688$8,945$7,448$6,172$5,094$3,505
18 years$9,989$8,266$6,799$5,562$4,529$3,034
19 years$9,364$7,660$6,224$5,026$4,037$2,632
20 years$8,803$7,118$5,712$4,552$3,606$2,286
21 years$8,295$6,631$5,254$4,131$3,227$1,989
22 years$7,835$6,189$4,842$3,756$2,892$1,733
23 years$7,415$5,789$4,471$3,421$2,596$1,512
24 years$7,030$5,424$4,135$3,120$2,334$1,320
25 years$6,677$5,090$3,830$2,849$2,100$1,153
26 years$6,352$4,784$3,552$2,605$1,892$1,008
27 years$6,051$4,502$3,298$2,385$1,705$882
28 years$5,773$4,242$3,066$2,185$1,539$772
29 years$5,513$4,002$2,853$2,004$1,390$676
30 years$5,272$3,780$2,658$1,839$1,256$593
31 years$5,047$3,573$2,478$1,689$1,135$519
32 years$4,836$3,381$2,312$1,552$1,027$455
33 years$4,638$3,202$2,159$1,427$929$399
34 years$4,453$3,034$2,017$1,313$841$350
35 years$4,278$2,878$1,886$1,209$762$307
36 years$4,114$2,732$1,764$1,113$690$270
37 years$3,958$2,594$1,651$1,026$626$237
38 years$3,811$2,466$1,546$945$567$208
39 years$3,673$2,345$1,448$872$514$182
40 years$3,541$2,231$1,358$804$467$160
41 years$3,416$2,123$1,273$742$423$141
42 years$3,297$2,022$1,194$685$384$124
43 years$3,185$1,927$1,121$632$349$109
44 years$3,077$1,837$1,052$584$316$95
45 years$2,975$1,751$988$539$287$84
46 years$2,877$1,671$928$498$261$74
47 years$2,784$1,594$871$460$237$65
48 years$2,695$1,522$819$425$215$57
49 years$2,610$1,454$770$393$195$50
50 years$2,529$1,388$724$363$177$44

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,590,000, adding $2,952 every year, while hoping to spend $40,595 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: 43/37/20 Blend
51$2,590,000$2,590,000$2,590,000$2,590,000
52$2,857,225$2,719,955$2,679,810$2,963,328
53$3,105,469$2,810,040$2,726,391$3,128,730
54$3,377,674$2,903,179$2,773,172$3,303,630
55$3,676,240$2,999,478$2,820,116$3,492,285
56$4,003,812$3,099,048$2,867,186$3,695,983
57$4,363,303$3,202,003$2,914,339$3,916,141
58$4,757,922$3,308,464$2,961,531$4,154,316
59$5,191,203$3,418,552$3,008,716$4,412,221
60$5,667,040$3,532,395$3,055,842$4,691,741
61$6,189,722$3,650,126$3,102,857$4,994,948
62$6,763,974$3,771,883$3,149,703$5,324,123
63$7,395,001$3,897,807$3,196,319$5,681,776
64$8,088,538$4,028,046$3,242,642$6,070,667
65$8,850,901$4,162,752$3,288,604$6,493,836
66$9,689,052$4,302,086$3,334,130$6,954,628
67$10,610,657$4,446,210$3,379,146$7,456,723
68$11,624,166$4,595,297$3,423,569$8,004,176
69$12,738,887$4,749,522$3,467,314$8,601,448
70$13,965,074$4,909,069$3,510,290$9,253,451
71$15,314,027$5,074,129$3,552,401$9,965,593
72$16,798,196$5,244,899$3,593,544$10,743,830
73$18,431,297$5,421,584$3,633,613$11,594,718
74$20,228,444$5,604,397$3,672,494$12,525,481
75$22,206,291$5,793,558$3,710,068$13,544,068
76$24,383,187$5,989,297$3,746,209$14,659,239
77$26,779,349$6,191,849$3,780,785$15,880,639
78$29,417,056$6,401,463$3,813,654$17,218,891
79$32,320,855$6,618,394$3,844,670$18,685,696
80$35,517,794$6,842,907$3,873,678$20,293,943
81$39,037,677$7,075,277$3,900,515$22,057,828
82$42,913,346$7,315,792$3,925,008$23,992,988
83$47,180,988$7,564,747$3,946,977$26,116,651
84$51,880,480$7,822,451$3,966,232$28,447,792
85$57,055,763$8,089,224$3,982,574$31,007,317
86$62,755,253$8,365,399$3,995,793$33,818,253
87$69,032,305$8,651,319$4,005,668$36,905,973
88$75,945,711$8,947,345$4,011,969$40,298,426
89$83,560,255$9,253,847$4,014,452$44,026,407
90$91,947,328$9,571,212$4,012,863$48,123,841
91$101,185,596$9,899,842$4,006,934$52,628,107
92$111,361,746$10,240,153$3,996,386$57,580,386
93$122,571,303$10,592,580$3,980,923$63,026,050
94$134,919,530$10,957,570$3,960,238$69,015,093
95$148,522,424$11,335,593$3,934,008$75,602,594
96$163,507,808$11,727,134$3,901,894$82,849,242
97$180,016,538$12,132,697$3,863,541$90,821,907
98$198,203,832$12,552,807$3,818,578$99,594,268
99$218,240,738$12,988,009$3,766,615$109,247,508
100$240,315,742$13,438,870$3,707,245$119,871,079