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%14.3%
1 years$213,880$211,975$210,116$208,302$206,530$202,858
2 years$105,881$103,909$101,998$100,145$98,348$94,661
3 years$69,886$67,906$65,999$64,164$62,396$58,809
4 years$51,892$49,918$48,031$46,226$44,501$41,042
5 years$41,099$39,136$37,274$35,506$33,829$30,507
6 years$33,905$31,958$30,123$28,395$26,768$23,587
7 years$28,769$26,838$25,032$23,345$21,769$18,731
8 years$24,919$23,005$21,229$19,583$18,060$15,162
9 years$21,926$20,030$18,285$16,681$15,209$12,451
10 years$19,533$17,656$15,941$14,379$12,959$10,338
11 years$17,576$15,718$14,034$12,514$11,145$8,659
12 years$15,947$14,107$12,455$10,976$9,658$7,303
13 years$14,569$12,749$11,128$9,691$8,422$6,194
14 years$13,389$11,588$9,998$8,602$7,383$5,278
15 years$12,368$10,586$9,027$7,672$6,500$4,515
16 years$11,475$9,713$8,184$6,869$5,745$3,875
17 years$10,688$8,945$7,448$6,172$5,094$3,334
18 years$9,989$8,266$6,799$5,562$4,529$2,876
19 years$9,364$7,660$6,224$5,026$4,037$2,485
20 years$8,803$7,118$5,712$4,552$3,606$2,151
21 years$8,295$6,631$5,254$4,131$3,227$1,865
22 years$7,835$6,189$4,842$3,756$2,892$1,618
23 years$7,415$5,789$4,471$3,421$2,596$1,406
24 years$7,030$5,424$4,135$3,120$2,334$1,223
25 years$6,677$5,090$3,830$2,849$2,100$1,064
26 years$6,352$4,784$3,552$2,605$1,892$927
27 years$6,051$4,502$3,298$2,385$1,705$808
28 years$5,773$4,242$3,066$2,185$1,539$704
29 years$5,513$4,002$2,853$2,004$1,390$614
30 years$5,272$3,780$2,658$1,839$1,256$536
31 years$5,047$3,573$2,478$1,689$1,135$468
32 years$4,836$3,381$2,312$1,552$1,027$408
33 years$4,638$3,202$2,159$1,427$929$357
34 years$4,453$3,034$2,017$1,313$841$312
35 years$4,278$2,878$1,886$1,209$762$272
36 years$4,114$2,732$1,764$1,113$690$238
37 years$3,958$2,594$1,651$1,026$626$208
38 years$3,811$2,466$1,546$945$567$182
39 years$3,673$2,345$1,448$872$514$159
40 years$3,541$2,231$1,358$804$467$139
41 years$3,416$2,123$1,273$742$423$121
42 years$3,297$2,022$1,194$685$384$106
43 years$3,185$1,927$1,121$632$349$93
44 years$3,077$1,837$1,052$584$316$81
45 years$2,975$1,751$988$539$287$71
46 years$2,877$1,671$928$498$261$62
47 years$2,784$1,594$871$460$237$54
48 years$2,695$1,522$819$425$215$48
49 years$2,610$1,454$770$393$195$42
50 years$2,529$1,388$724$363$177$36

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 $4,794 every year, while hoping to spend $49,855 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: 38/33/29 Blend
51$2,590,000$2,590,000$2,590,000$2,590,000
52$2,859,125$2,721,855$2,681,710$2,942,941
53$3,097,710$2,802,181$2,718,502$3,085,433
54$3,358,961$2,884,771$2,754,856$3,234,428
55$3,645,135$2,969,685$2,790,703$3,394,517
56$3,958,721$3,056,982$2,825,974$3,566,740
57$4,302,459$3,146,723$2,860,593$3,752,243
58$4,679,366$3,238,969$2,894,480$3,952,289
59$5,092,768$3,333,784$2,927,550$4,168,264
60$5,546,323$3,431,232$2,959,716$4,401,700
61$6,044,065$3,531,380$2,990,884$4,654,278
62$6,590,435$3,634,293$3,020,954$4,927,852
63$7,190,325$3,740,039$3,049,822$5,224,464
64$7,849,127$3,848,689$3,077,379$5,546,361
65$8,572,775$3,960,313$3,103,509$5,896,020
66$9,367,812$4,074,982$3,128,090$6,276,169
67$10,241,441$4,192,768$3,150,994$6,689,810
68$11,201,601$4,313,747$3,172,085$7,140,254
69$12,257,037$4,437,994$3,191,223$7,631,147
70$13,417,383$4,565,583$3,208,257$8,166,504
71$14,693,253$4,696,594$3,223,030$8,750,750
72$16,096,342$4,831,104$3,235,379$9,388,761
73$17,639,534$4,969,193$3,245,129$10,085,907
74$19,337,024$5,110,941$3,252,098$10,848,107
75$21,204,454$5,256,430$3,256,097$11,681,881
76$23,259,055$5,405,742$3,256,923$12,594,414
77$25,519,816$5,558,961$3,254,367$13,593,625
78$28,007,657$5,716,170$3,248,208$14,688,235
79$30,745,629$5,877,454$3,238,215$15,887,860
80$33,759,133$6,042,898$3,224,144$17,203,091
81$37,076,153$6,212,589$3,205,741$18,645,602
82$40,727,527$6,386,612$3,182,741$20,228,257
83$44,747,234$6,565,056$3,154,862$21,965,231
84$49,172,715$6,748,006$3,121,812$23,872,146
85$54,045,224$6,935,551$3,083,285$25,966,216
86$59,410,222$7,127,778$3,038,960$28,266,412
87$65,317,799$7,324,773$2,988,500$30,793,640
88$71,823,153$7,526,625$2,931,553$33,570,939
89$78,987,105$7,733,421$2,867,751$36,623,700
90$86,876,678$7,945,246$2,796,708$39,979,902
91$95,565,722$8,162,187$2,718,021$43,670,381
92$105,135,620$8,384,328$2,631,269$47,729,120
93$115,676,046$8,611,752$2,536,009$52,193,567
94$127,285,818$8,844,544$2,431,781$57,104,996
95$140,073,827$9,082,782$2,318,101$62,508,887
96$154,160,067$9,326,548$2,194,467$68,455,368
97$169,676,762$9,575,917$2,060,350$74,999,676
98$186,769,620$9,830,965$1,915,200$82,202,690
99$205,599,202$10,091,764$1,758,440$90,131,500
100$226,342,444$10,358,383$1,589,471$98,860,043