Can I retire at age 52 with 2,600,000?

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 $2,600,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.6%
1 years$214,706$212,793$210,927$209,106$207,328$204,229
2 years$106,290$104,310$102,392$100,532$98,727$95,613
3 years$70,156$68,168$66,254$64,412$62,637$59,603
4 years$52,093$50,111$48,216$46,405$44,673$41,743
5 years$41,257$39,287$37,418$35,643$33,960$31,143
6 years$34,036$32,081$30,239$28,504$26,871$24,170
7 years$28,880$26,942$25,129$23,435$21,853$19,269
8 years$25,015$23,094$21,311$19,659$18,130$15,661
9 years$22,011$20,107$18,355$16,745$15,268$12,915
10 years$19,608$17,724$16,003$14,434$13,009$10,769
11 years$17,644$15,778$14,088$12,562$11,188$9,059
12 years$16,008$14,162$12,503$11,019$9,695$7,675
13 years$14,625$12,798$11,171$9,728$8,455$6,540
14 years$13,441$11,633$10,037$8,635$7,411$5,599
15 years$12,415$10,627$9,062$7,701$6,525$4,813
16 years$11,519$9,750$8,216$6,896$5,767$4,150
17 years$10,729$8,980$7,476$6,196$5,114$3,589
18 years$10,027$8,298$6,825$5,584$4,547$3,111
19 years$9,400$7,690$6,248$5,045$4,053$2,703
20 years$8,837$7,146$5,734$4,569$3,620$2,352
21 years$8,327$6,656$5,274$4,147$3,239$2,049
22 years$7,865$6,213$4,861$3,771$2,904$1,788
23 years$7,443$5,811$4,488$3,434$2,606$1,562
24 years$7,058$5,445$4,151$3,132$2,343$1,366
25 years$6,703$5,110$3,845$2,860$2,108$1,195
26 years$6,377$4,802$3,566$2,615$1,899$1,047
27 years$6,075$4,519$3,311$2,394$1,712$917
28 years$5,795$4,259$3,078$2,193$1,545$804
29 years$5,535$4,018$2,864$2,011$1,395$706
30 years$5,292$3,794$2,668$1,846$1,260$619
31 years$5,066$3,587$2,487$1,695$1,140$544
32 years$4,855$3,394$2,321$1,558$1,031$477
33 years$4,656$3,214$2,167$1,433$933$419
34 years$4,470$3,046$2,025$1,318$845$369
35 years$4,295$2,889$1,893$1,213$765$324
36 years$4,129$2,742$1,771$1,118$693$285
37 years$3,974$2,604$1,657$1,030$628$250
38 years$3,826$2,475$1,552$949$570$220
39 years$3,687$2,354$1,454$875$516$194
40 years$3,555$2,239$1,363$807$468$170
41 years$3,429$2,132$1,278$745$425$150
42 years$3,310$2,030$1,199$687$386$132
43 years$3,197$1,934$1,125$634$350$116
44 years$3,089$1,844$1,056$586$318$102
45 years$2,986$1,758$991$541$288$90
46 years$2,889$1,677$931$500$262$79
47 years$2,795$1,601$875$462$238$69
48 years$2,706$1,528$822$427$216$61
49 years$2,620$1,459$773$394$196$54
50 years$2,539$1,394$726$364$178$47

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,600,000, adding $4,483 every year, while hoping to spend $57,663 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: 57/28/15 Blend
51$2,600,000$2,600,000$2,600,000$2,600,000
52$2,869,824$2,732,024$2,691,724$3,022,031
53$3,101,193$2,804,540$2,720,544$3,198,203
54$3,354,229$2,878,677$2,748,397$3,383,387
55$3,631,082$2,954,453$2,775,189$3,583,852
56$3,934,117$3,031,886$2,800,822$3,801,076
57$4,265,940$3,110,992$2,825,193$4,036,684
58$4,629,422$3,191,786$2,848,193$4,292,466
59$5,027,722$3,274,283$2,869,706$4,570,393
60$5,464,320$3,358,494$2,889,612$4,872,638
61$5,943,051$3,444,430$2,907,784$5,201,590
62$6,468,135$3,532,100$2,924,088$5,559,885
63$7,044,222$3,621,511$2,938,383$5,950,423
64$7,676,436$3,712,667$2,950,521$6,376,401
65$8,370,417$3,805,572$2,960,348$6,841,338
66$9,132,379$3,900,226$2,967,700$7,349,114
67$9,969,170$3,996,625$2,972,406$7,904,002
68$10,888,330$4,094,764$2,974,286$8,510,710
69$11,898,167$4,194,635$2,973,152$9,174,423
70$13,007,833$4,296,224$2,968,806$9,900,858
71$14,227,410$4,399,518$2,961,039$10,696,311
72$15,568,007$4,504,495$2,949,635$11,567,719
73$17,041,861$4,611,133$2,934,365$12,522,728
74$18,662,454$4,719,402$2,914,990$13,569,760
75$20,444,641$4,829,269$2,891,258$14,718,100
76$22,404,788$4,940,697$2,862,909$15,977,974
77$24,560,925$5,053,640$2,829,665$17,360,653
78$26,932,920$5,168,049$2,791,240$18,878,559
79$29,542,663$5,283,868$2,747,331$20,545,376
80$32,414,270$5,401,033$2,697,623$22,376,188
81$35,574,317$5,519,475$2,641,784$24,387,616
82$39,052,083$5,639,115$2,579,469$26,597,974
83$42,879,830$5,759,866$2,510,316$29,027,447
84$47,093,107$5,881,634$2,433,946$31,698,278
85$51,731,084$6,004,314$2,349,963$34,634,979
86$56,836,920$6,127,791$2,257,953$37,864,564
87$62,458,173$6,251,941$2,157,482$41,416,801
88$68,647,247$6,376,626$2,048,098$45,324,498
89$75,461,885$6,501,698$1,929,327$49,623,808
90$82,965,712$6,626,997$1,800,675$54,354,574
91$91,228,842$6,752,347$1,661,624$59,560,706
92$100,328,530$6,877,558$1,511,635$65,290,592
93$110,349,909$7,002,427$1,350,144$71,597,560
94$121,386,786$7,126,733$1,176,560$78,540,379
95$133,542,532$7,250,236$990,268$86,183,815
96$146,931,054$7,372,682$790,626$94,599,244
97$161,677,872$7,493,794$576,963$103,865,323
98$177,921,301$7,613,275$348,577$114,068,741
99$195,813,756$7,730,809$104,737$125,305,028
100$215,523,193$7,846,052$0$137,679,467