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%17.2%
1 years$214,706$212,793$210,927$209,106$207,328$201,255
2 years$106,290$104,310$102,392$100,532$98,727$92,659
3 years$70,156$68,168$66,254$64,412$62,637$56,762
4 years$52,093$50,111$48,216$46,405$44,673$39,038
5 years$41,257$39,287$37,418$35,643$33,960$28,579
6 years$34,036$32,081$30,239$28,504$26,871$21,749
7 years$28,880$26,942$25,129$23,435$21,853$16,991
8 years$25,015$23,094$21,311$19,659$18,130$13,523
9 years$22,011$20,107$18,355$16,745$15,268$10,913
10 years$19,608$17,724$16,003$14,434$13,009$8,900
11 years$17,644$15,778$14,088$12,562$11,188$7,317
12 years$16,008$14,162$12,503$11,019$9,695$6,056
13 years$14,625$12,798$11,171$9,728$8,455$5,038
14 years$13,441$11,633$10,037$8,635$7,411$4,208
15 years$12,415$10,627$9,062$7,701$6,525$3,528
16 years$11,519$9,750$8,216$6,896$5,767$2,966
17 years$10,729$8,980$7,476$6,196$5,114$2,499
18 years$10,027$8,298$6,825$5,584$4,547$2,110
19 years$9,400$7,690$6,248$5,045$4,053$1,784
20 years$8,837$7,146$5,734$4,569$3,620$1,511
21 years$8,327$6,656$5,274$4,147$3,239$1,281
22 years$7,865$6,213$4,861$3,771$2,904$1,087
23 years$7,443$5,811$4,488$3,434$2,606$923
24 years$7,058$5,445$4,151$3,132$2,343$785
25 years$6,703$5,110$3,845$2,860$2,108$667
26 years$6,377$4,802$3,566$2,615$1,899$568
27 years$6,075$4,519$3,311$2,394$1,712$483
28 years$5,795$4,259$3,078$2,193$1,545$412
29 years$5,535$4,018$2,864$2,011$1,395$351
30 years$5,292$3,794$2,668$1,846$1,260$299
31 years$5,066$3,587$2,487$1,695$1,140$255
32 years$4,855$3,394$2,321$1,558$1,031$217
33 years$4,656$3,214$2,167$1,433$933$185
34 years$4,470$3,046$2,025$1,318$845$158
35 years$4,295$2,889$1,893$1,213$765$134
36 years$4,129$2,742$1,771$1,118$693$115
37 years$3,974$2,604$1,657$1,030$628$98
38 years$3,826$2,475$1,552$949$570$83
39 years$3,687$2,354$1,454$875$516$71
40 years$3,555$2,239$1,363$807$468$61
41 years$3,429$2,132$1,278$745$425$52
42 years$3,310$2,030$1,199$687$386$44
43 years$3,197$1,934$1,125$634$350$38
44 years$3,089$1,844$1,056$586$318$32
45 years$2,986$1,758$991$541$288$27
46 years$2,889$1,677$931$500$262$23
47 years$2,795$1,601$875$462$238$20
48 years$2,706$1,528$822$427$216$17
49 years$2,620$1,459$773$394$196$15
50 years$2,539$1,394$726$364$178$12

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 $5,752 every year, while hoping to spend $23,162 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: 61/20/19 Blend
51$2,600,000$2,600,000$2,600,000$2,600,000
52$2,871,133$2,733,333$2,693,033$3,031,839
53$3,139,345$2,842,622$2,758,606$3,250,338
54$3,434,137$2,956,490$2,825,598$3,485,609
55$3,758,198$3,075,137$2,894,035$3,741,842
56$4,114,487$3,198,772$2,963,938$4,021,076
57$4,506,266$3,327,612$3,035,330$4,325,554
58$4,937,127$3,461,887$3,108,236$4,657,744
59$5,411,029$3,601,835$3,182,677$5,020,360
60$5,932,334$3,747,706$3,258,678$5,416,393
61$6,505,848$3,899,759$3,336,259$5,849,131
62$7,136,866$4,058,268$3,415,445$6,322,196
63$7,831,221$4,223,518$3,496,257$6,839,574
64$8,595,342$4,395,807$3,578,718$7,405,653
65$9,436,311$4,575,446$3,662,849$8,025,264
66$10,361,933$4,762,760$3,748,673$8,703,725
67$11,380,806$4,958,092$3,836,209$9,446,892
68$12,502,406$5,161,796$3,925,480$10,261,215
69$13,737,173$5,374,246$4,016,505$11,153,793
70$15,096,612$5,595,831$4,109,305$12,132,446
71$16,593,397$5,826,958$4,203,898$13,205,784
72$18,241,499$6,068,053$4,300,303$14,383,289
73$20,056,307$6,319,563$4,398,539$15,675,406
74$22,054,782$6,581,954$4,498,622$17,093,636
75$24,255,613$6,855,713$4,600,569$18,650,649
76$26,679,392$7,141,350$4,704,395$20,360,397
77$29,348,813$7,439,399$4,810,115$22,238,250
78$32,288,881$7,750,418$4,917,742$24,301,136
79$35,527,150$8,074,991$5,027,290$26,567,704
80$39,093,983$8,413,730$5,138,769$29,058,495
81$43,022,841$8,767,274$5,252,188$31,796,137
82$47,350,591$9,136,292$5,367,558$34,805,557
83$52,117,864$9,521,483$5,484,883$38,114,215
84$57,369,431$9,923,580$5,604,171$41,752,361
85$63,154,627$10,343,349$5,725,425$45,753,322
86$69,527,818$10,781,593$5,848,647$50,153,813
87$76,548,915$11,239,150$5,973,836$54,994,283
88$84,283,936$11,716,900$6,100,990$60,319,294
89$92,805,630$12,215,761$6,230,106$66,177,942
90$102,194,166$12,736,695$6,361,177$72,624,319
91$112,537,887$13,280,709$6,494,192$79,718,020
92$123,934,145$13,848,857$6,629,141$87,524,707
93$136,490,219$14,442,242$6,766,008$96,116,724
94$150,324,328$15,062,019$6,904,777$105,573,778
95$165,566,749$15,709,397$7,045,426$115,983,693
96$182,361,040$16,385,640$7,187,930$127,443,234
97$200,865,403$17,092,073$7,332,263$140,059,019
98$221,254,172$17,830,083$7,478,392$153,948,525
99$243,719,462$18,601,122$7,626,282$169,241,192
100$268,472,978$19,406,708$7,775,894$186,079,645