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%13.3%
1 years$214,706$212,793$210,927$209,106$207,328$204,483
2 years$106,290$104,310$102,392$100,532$98,727$95,866
3 years$70,156$68,168$66,254$64,412$62,637$59,848
4 years$52,093$50,111$48,216$46,405$44,673$41,979
5 years$41,257$39,287$37,418$35,643$33,960$31,367
6 years$34,036$32,081$30,239$28,504$26,871$24,384
7 years$28,880$26,942$25,129$23,435$21,853$19,472
8 years$25,015$23,094$21,311$19,659$18,130$15,854
9 years$22,011$20,107$18,355$16,745$15,268$13,097
10 years$19,608$17,724$16,003$14,434$13,009$10,941
11 years$17,644$15,778$14,088$12,562$11,188$9,221
12 years$16,008$14,162$12,503$11,019$9,695$7,827
13 years$14,625$12,798$11,171$9,728$8,455$6,682
14 years$13,441$11,633$10,037$8,635$7,411$5,733
15 years$12,415$10,627$9,062$7,701$6,525$4,938
16 years$11,519$9,750$8,216$6,896$5,767$4,267
17 years$10,729$8,980$7,476$6,196$5,114$3,698
18 years$10,027$8,298$6,825$5,584$4,547$3,213
19 years$9,400$7,690$6,248$5,045$4,053$2,797
20 years$8,837$7,146$5,734$4,569$3,620$2,439
21 years$8,327$6,656$5,274$4,147$3,239$2,130
22 years$7,865$6,213$4,861$3,771$2,904$1,863
23 years$7,443$5,811$4,488$3,434$2,606$1,631
24 years$7,058$5,445$4,151$3,132$2,343$1,430
25 years$6,703$5,110$3,845$2,860$2,108$1,254
26 years$6,377$4,802$3,566$2,615$1,899$1,101
27 years$6,075$4,519$3,311$2,394$1,712$967
28 years$5,795$4,259$3,078$2,193$1,545$850
29 years$5,535$4,018$2,864$2,011$1,395$748
30 years$5,292$3,794$2,668$1,846$1,260$658
31 years$5,066$3,587$2,487$1,695$1,140$579
32 years$4,855$3,394$2,321$1,558$1,031$510
33 years$4,656$3,214$2,167$1,433$933$449
34 years$4,470$3,046$2,025$1,318$845$395
35 years$4,295$2,889$1,893$1,213$765$348
36 years$4,129$2,742$1,771$1,118$693$307
37 years$3,974$2,604$1,657$1,030$628$271
38 years$3,826$2,475$1,552$949$570$239
39 years$3,687$2,354$1,454$875$516$210
40 years$3,555$2,239$1,363$807$468$185
41 years$3,429$2,132$1,278$745$425$164
42 years$3,310$2,030$1,199$687$386$144
43 years$3,197$1,934$1,125$634$350$127
44 years$3,089$1,844$1,056$586$318$112
45 years$2,986$1,758$991$541$288$99
46 years$2,889$1,677$931$500$262$87
47 years$2,795$1,601$875$462$238$77
48 years$2,706$1,528$822$427$216$68
49 years$2,620$1,459$773$394$196$60
50 years$2,539$1,394$726$364$178$53

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 $3,023 every year, while hoping to spend $24,112 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: 32/41/27 Blend
51$2,600,000$2,600,000$2,600,000$2,600,000
52$2,868,318$2,730,518$2,690,218$2,936,352
53$3,135,232$2,838,659$2,754,686$3,096,753
54$3,428,562$2,951,290$2,820,504$3,267,051
55$3,750,979$3,068,606$2,887,695$3,450,005
56$4,105,422$3,190,811$2,956,276$3,646,746
57$4,495,132$3,318,118$3,026,268$3,858,512
58$4,923,677$3,450,747$3,097,689$4,086,663
59$5,394,990$3,588,932$3,170,560$4,332,691
60$5,913,403$3,732,914$3,244,898$4,598,233
61$6,483,691$3,882,947$3,320,723$4,885,088
62$7,111,112$4,039,296$3,398,052$5,195,228
63$7,801,462$4,202,238$3,476,903$5,530,822
64$8,561,126$4,372,062$3,557,293$5,894,250
65$9,397,138$4,549,071$3,639,241$6,288,128
66$10,317,252$4,733,581$3,722,760$6,715,331
67$11,330,007$4,925,922$3,807,869$7,179,017
68$12,444,816$5,126,441$3,894,581$7,682,658
69$13,672,049$5,335,498$3,982,910$8,230,070
70$15,023,132$5,553,471$4,072,872$8,825,449
71$16,510,656$5,780,756$4,164,478$9,473,410
72$18,148,496$6,017,766$4,257,741$10,179,025
73$19,951,938$6,264,932$4,352,671$10,947,874
74$21,937,829$6,522,707$4,449,279$11,786,096
75$24,124,731$6,791,563$4,547,573$12,700,441
76$26,533,098$7,071,994$4,647,561$13,698,338
77$29,185,469$7,364,517$4,749,249$14,787,959
78$32,106,681$7,669,672$4,852,643$15,978,296
79$35,324,101$7,988,025$4,957,745$17,279,244
80$38,867,889$8,320,168$5,064,559$18,701,694
81$42,771,275$8,666,718$5,173,084$20,257,631
82$47,070,882$9,028,323$5,283,319$21,960,247
83$51,807,062$9,405,661$5,395,260$23,824,062
84$57,024,283$9,799,439$5,508,901$25,865,060
85$62,771,546$10,210,399$5,624,237$28,100,839
86$69,102,851$10,639,315$5,741,256$30,550,771
87$76,077,700$11,087,000$5,859,946$33,236,186
88$83,761,664$11,554,301$5,980,292$36,180,565
89$92,226,999$12,042,107$6,102,277$39,409,769
90$101,553,330$12,551,348$6,225,881$42,952,269
91$111,828,401$13,082,995$6,351,079$46,839,420
92$123,148,903$13,638,067$6,477,846$51,105,748
93$135,621,388$14,217,629$6,606,150$55,789,279
94$149,363,271$14,822,795$6,735,958$60,931,888
95$164,503,945$15,454,732$6,867,233$66,579,694
96$181,185,995$16,114,661$6,999,933$72,783,494
97$199,566,547$16,803,860$7,134,011$79,599,233
98$219,818,752$17,523,666$7,269,417$87,088,532
99$242,133,419$18,275,481$7,406,097$95,319,265
100$266,720,817$19,060,768$7,543,991$104,366,196