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

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 $2,590,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.3%
1 years$213,880$211,975$210,116$208,302$206,530$205,401
2 years$105,881$103,909$101,998$100,145$98,348$97,208
3 years$69,886$67,906$65,999$64,164$62,396$61,281
4 years$51,892$49,918$48,031$46,226$44,501$43,420
5 years$41,099$39,136$37,274$35,506$33,829$32,785
6 years$33,905$31,958$30,123$28,395$26,768$25,762
7 years$28,769$26,838$25,032$23,345$21,769$20,802
8 years$24,919$23,005$21,229$19,583$18,060$17,131
9 years$21,926$20,030$18,285$16,681$15,209$14,319
10 years$19,533$17,656$15,941$14,379$12,959$12,107
11 years$17,576$15,718$14,034$12,514$11,145$10,331
12 years$15,947$14,107$12,455$10,976$9,658$8,881
13 years$14,569$12,749$11,128$9,691$8,422$7,681
14 years$13,389$11,588$9,998$8,602$7,383$6,676
15 years$12,368$10,586$9,027$7,672$6,500$5,828
16 years$11,475$9,713$8,184$6,869$5,745$5,106
17 years$10,688$8,945$7,448$6,172$5,094$4,488
18 years$9,989$8,266$6,799$5,562$4,529$3,955
19 years$9,364$7,660$6,224$5,026$4,037$3,493
20 years$8,803$7,118$5,712$4,552$3,606$3,091
21 years$8,295$6,631$5,254$4,131$3,227$2,740
22 years$7,835$6,189$4,842$3,756$2,892$2,433
23 years$7,415$5,789$4,471$3,421$2,596$2,163
24 years$7,030$5,424$4,135$3,120$2,334$1,925
25 years$6,677$5,090$3,830$2,849$2,100$1,715
26 years$6,352$4,784$3,552$2,605$1,892$1,529
27 years$6,051$4,502$3,298$2,385$1,705$1,365
28 years$5,773$4,242$3,066$2,185$1,539$1,219
29 years$5,513$4,002$2,853$2,004$1,390$1,090
30 years$5,272$3,780$2,658$1,839$1,256$974
31 years$5,047$3,573$2,478$1,689$1,135$872
32 years$4,836$3,381$2,312$1,552$1,027$780
33 years$4,638$3,202$2,159$1,427$929$699
34 years$4,453$3,034$2,017$1,313$841$626
35 years$4,278$2,878$1,886$1,209$762$561
36 years$4,114$2,732$1,764$1,113$690$503
37 years$3,958$2,594$1,651$1,026$626$451
38 years$3,811$2,466$1,546$945$567$404
39 years$3,673$2,345$1,448$872$514$362
40 years$3,541$2,231$1,358$804$467$325
41 years$3,416$2,123$1,273$742$423$292
42 years$3,297$2,022$1,194$685$384$262
43 years$3,185$1,927$1,121$632$349$235
44 years$3,077$1,837$1,052$584$316$211
45 years$2,975$1,751$988$539$287$189
46 years$2,877$1,671$928$498$261$170
47 years$2,784$1,594$871$460$237$152
48 years$2,695$1,522$819$425$215$137
49 years$2,610$1,454$770$393$195$123
50 years$2,529$1,388$724$363$177$110

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 $4,178 every year, while hoping to spend $38,747 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: 57/34/9 Blend
51$2,590,000$2,590,000$2,590,000$2,590,000
52$2,858,490$2,721,220$2,681,075$3,015,127
53$3,108,829$2,813,333$2,729,664$3,213,291
54$3,383,404$2,908,661$2,778,583$3,424,414
55$3,684,647$3,007,321$2,827,801$3,653,506
56$4,015,235$3,109,433$2,877,285$3,902,291
57$4,378,117$3,215,124$2,927,003$4,172,663
58$4,776,543$3,324,523$2,976,916$4,466,706
59$5,214,092$3,437,766$3,026,984$4,786,712
60$5,694,707$3,554,994$3,077,165$5,135,206
61$6,222,731$3,676,353$3,127,414$5,514,962
62$6,802,949$3,801,994$3,177,682$5,929,037
63$7,440,633$3,932,074$3,227,918$6,380,792
64$8,141,589$4,066,758$3,278,065$6,873,929
65$8,912,217$4,206,214$3,328,065$7,412,523
66$9,759,564$4,350,620$3,377,857$8,001,057
67$10,691,397$4,500,158$3,427,373$8,644,470
68$11,716,273$4,655,019$3,476,543$9,348,198
69$12,843,618$4,815,400$3,525,292$10,118,225
70$14,083,819$4,981,507$3,573,541$10,961,142
71$15,448,320$5,153,552$3,621,207$11,884,207
72$16,949,731$5,331,759$3,668,199$12,895,410
73$18,601,945$5,516,356$3,714,426$14,003,552
74$20,420,270$5,707,584$3,759,785$15,218,325
75$22,421,573$5,905,692$3,804,174$16,550,403
76$24,624,440$6,110,937$3,847,480$18,011,543
77$27,049,350$6,323,589$3,889,587$19,614,693
78$29,718,866$6,543,928$3,930,371$21,374,115
79$32,657,853$6,772,243$3,969,701$23,305,519
80$35,893,708$7,008,837$4,007,440$25,426,209
81$39,456,620$7,254,024$4,043,444$27,755,248
82$43,379,855$7,508,130$4,077,558$30,313,632
83$47,700,067$7,771,496$4,109,623$33,124,493
84$52,457,648$8,044,473$4,139,470$36,213,312
85$57,697,106$8,327,430$4,166,920$39,608,162
86$63,467,485$8,620,748$4,191,786$43,339,968
87$69,822,829$8,924,825$4,213,871$47,442,802
88$76,822,690$9,240,074$4,232,968$51,954,197
89$84,532,692$9,566,926$4,248,860$56,915,510
90$93,025,147$9,905,826$4,261,318$62,372,301
91$102,379,742$10,257,242$4,270,102$68,374,768
92$112,684,286$10,621,657$4,274,961$74,978,216
93$124,035,540$10,999,575$4,275,629$82,243,582
94$136,540,132$11,391,521$4,271,830$90,238,004
95$150,315,561$11,798,041$4,263,271$99,035,456
96$165,491,306$12,219,703$4,249,649$108,717,443
97$182,210,050$12,657,098$4,230,642$119,373,771
98$200,629,022$13,110,843$4,205,915$131,103,393
99$220,921,485$13,581,578$4,175,117$144,015,336
100$243,278,372$14,069,970$4,137,879$158,229,738