Can I retire at age 52 with 2,610,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $2,610,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.2%
1 years$215,531$213,612$211,738$209,910$208,125$206,209
2 years$106,699$104,712$102,786$100,918$99,107$97,177
3 years$70,426$68,430$66,509$64,659$62,878$60,993
4 years$52,293$50,303$48,402$46,583$44,845$43,020
5 years$41,416$39,438$37,562$35,781$34,090$32,331
6 years$34,167$32,204$30,355$28,614$26,975$25,282
7 years$28,992$27,045$25,225$23,525$21,938$20,313
8 years$25,112$23,183$21,393$19,735$18,199$16,643
9 years$22,095$20,185$18,426$16,810$15,326$13,838
10 years$19,684$17,792$16,064$14,490$13,059$11,638
11 years$17,712$15,839$14,143$12,611$11,231$9,875
12 years$16,070$14,216$12,551$11,061$9,733$8,441
13 years$14,682$12,847$11,214$9,765$8,487$7,259
14 years$13,493$11,678$10,076$8,669$7,440$6,273
15 years$12,463$10,668$9,097$7,731$6,550$5,443
16 years$11,563$9,788$8,248$6,922$5,789$4,740
17 years$10,770$9,014$7,505$6,220$5,133$4,139
18 years$10,066$8,329$6,851$5,605$4,564$3,625
19 years$9,436$7,720$6,272$5,065$4,068$3,181
20 years$8,871$7,173$5,756$4,587$3,634$2,796
21 years$8,359$6,682$5,294$4,163$3,252$2,462
22 years$7,895$6,237$4,880$3,785$2,915$2,172
23 years$7,472$5,834$4,505$3,447$2,617$1,917
24 years$7,085$5,466$4,167$3,144$2,352$1,695
25 years$6,729$5,129$3,859$2,871$2,116$1,500
26 years$6,401$4,821$3,579$2,625$1,906$1,328
27 years$6,098$4,537$3,324$2,403$1,719$1,177
28 years$5,817$4,275$3,090$2,202$1,551$1,044
29 years$5,556$4,033$2,875$2,019$1,400$926
30 years$5,313$3,809$2,678$1,853$1,265$822
31 years$5,086$3,600$2,497$1,702$1,144$730
32 years$4,873$3,407$2,330$1,564$1,035$649
33 years$4,674$3,226$2,175$1,438$936$576
34 years$4,487$3,058$2,032$1,323$848$512
35 years$4,311$2,900$1,900$1,218$768$456
36 years$4,145$2,753$1,778$1,122$696$405
37 years$3,989$2,615$1,664$1,034$631$361
38 years$3,841$2,485$1,558$953$572$321
39 years$3,701$2,363$1,460$879$518$286
40 years$3,568$2,248$1,368$810$470$254
41 years$3,442$2,140$1,283$748$427$226
42 years$3,323$2,038$1,203$690$387$202
43 years$3,209$1,942$1,129$637$351$179
44 years$3,101$1,851$1,060$588$319$160
45 years$2,998$1,765$995$543$290$142
46 years$2,900$1,684$935$502$263$127
47 years$2,806$1,607$878$463$239$113
48 years$2,716$1,534$825$428$217$101
49 years$2,630$1,465$776$396$197$90
50 years$2,548$1,399$729$366$179$80

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,610,000, adding $4,996 every year, while hoping to spend $43,817 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: 45/31/24 Blend
51$2,610,000$2,610,000$2,610,000$2,610,000
52$2,881,373$2,743,043$2,702,588$2,990,877
53$3,128,653$2,830,832$2,746,504$3,156,523
54$3,399,686$2,921,453$2,790,423$3,331,392
55$3,696,849$3,015,000$2,834,297$3,520,163
56$4,022,761$3,111,568$2,878,079$3,724,154
57$4,380,304$3,211,256$2,921,716$3,944,812
58$4,772,654$3,314,166$2,965,153$4,183,733
59$5,203,308$3,420,404$3,008,329$4,442,670
60$5,676,121$3,530,079$3,051,183$4,723,555
61$6,195,336$3,643,304$3,093,649$5,028,512
62$6,765,628$3,760,194$3,135,654$5,359,881
63$7,392,149$3,880,870$3,177,125$5,720,236
64$8,080,573$4,005,457$3,217,983$6,112,412
65$8,837,150$4,134,083$3,258,145$6,539,531
66$9,668,767$4,266,881$3,297,520$7,005,029
67$10,583,012$4,403,989$3,336,018$7,512,690
68$11,588,242$4,545,547$3,373,537$8,066,680
69$12,693,667$4,691,704$3,409,975$8,671,589
70$13,909,434$4,842,610$3,445,222$9,332,470
71$15,246,720$4,998,422$3,479,162$10,054,889
72$16,717,844$5,159,303$3,511,671$10,844,977
73$18,336,375$5,325,419$3,542,623$11,709,486
74$20,117,265$5,496,945$3,571,881$12,655,854
75$22,076,989$5,674,058$3,599,302$13,692,273
76$24,233,700$5,856,945$3,624,736$14,827,768
77$26,607,398$6,045,796$3,648,026$16,072,282
78$29,220,122$6,240,809$3,669,004$17,436,765
79$32,096,155$6,442,190$3,687,496$18,933,284
80$35,262,254$6,650,148$3,703,319$20,575,131
81$38,747,902$6,864,904$3,716,279$22,376,949
82$42,585,587$7,086,683$3,726,173$24,354,874
83$46,811,106$7,315,720$3,732,789$26,526,679
84$51,463,904$7,552,255$3,735,902$28,911,951
85$56,587,447$7,796,540$3,735,279$31,532,265
86$62,229,629$8,048,833$3,730,674$34,411,398
87$68,443,227$8,309,402$3,721,827$37,575,544
88$75,286,396$8,578,523$3,708,468$41,053,565
89$82,823,221$8,856,482$3,690,314$44,877,263
90$91,124,316$9,143,577$3,667,066$49,081,680
91$100,267,496$9,440,112$3,638,413$53,705,427
92$110,338,509$9,746,406$3,604,028$58,791,046
93$121,431,842$10,062,785$3,563,569$64,385,419
94$133,651,618$10,389,589$3,516,676$70,540,199
95$147,112,573$10,727,169$3,462,975$77,312,306
96$161,941,143$11,075,888$3,402,072$84,764,461
97$178,276,655$11,436,122$3,333,557$92,965,776
98$196,272,640$11,808,258$3,256,997$101,992,408
99$216,098,287$12,192,700$3,171,944$111,928,276
100$237,940,033$12,589,864$3,077,925$122,865,854