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

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 $2,610,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.7%
1 years$215,531$213,612$211,738$209,910$208,125$205,780
2 years$106,699$104,712$102,786$100,918$99,107$96,747
3 years$70,426$68,430$66,509$64,659$62,878$60,575
4 years$52,293$50,303$48,402$46,583$44,845$42,617
5 years$41,416$39,438$37,562$35,781$34,090$31,945
6 years$34,167$32,204$30,355$28,614$26,975$24,913
7 years$28,992$27,045$25,225$23,525$21,938$19,961
8 years$25,112$23,183$21,393$19,735$18,199$16,308
9 years$22,095$20,185$18,426$16,810$15,326$13,520
10 years$19,684$17,792$16,064$14,490$13,059$11,335
11 years$17,712$15,839$14,143$12,611$11,231$9,589
12 years$16,070$14,216$12,551$11,061$9,733$8,171
13 years$14,682$12,847$11,214$9,765$8,487$7,003
14 years$13,493$11,678$10,076$8,669$7,440$6,032
15 years$12,463$10,668$9,097$7,731$6,550$5,217
16 years$11,563$9,788$8,248$6,922$5,789$4,527
17 years$10,770$9,014$7,505$6,220$5,133$3,940
18 years$10,066$8,329$6,851$5,605$4,564$3,438
19 years$9,436$7,720$6,272$5,065$4,068$3,006
20 years$8,871$7,173$5,756$4,587$3,634$2,633
21 years$8,359$6,682$5,294$4,163$3,252$2,310
22 years$7,895$6,237$4,880$3,785$2,915$2,029
23 years$7,472$5,834$4,505$3,447$2,617$1,785
24 years$7,085$5,466$4,167$3,144$2,352$1,572
25 years$6,729$5,129$3,859$2,871$2,116$1,385
26 years$6,401$4,821$3,579$2,625$1,906$1,222
27 years$6,098$4,537$3,324$2,403$1,719$1,079
28 years$5,817$4,275$3,090$2,202$1,551$953
29 years$5,556$4,033$2,875$2,019$1,400$842
30 years$5,313$3,809$2,678$1,853$1,265$744
31 years$5,086$3,600$2,497$1,702$1,144$658
32 years$4,873$3,407$2,330$1,564$1,035$582
33 years$4,674$3,226$2,175$1,438$936$515
34 years$4,487$3,058$2,032$1,323$848$456
35 years$4,311$2,900$1,900$1,218$768$404
36 years$4,145$2,753$1,778$1,122$696$358
37 years$3,989$2,615$1,664$1,034$631$317
38 years$3,841$2,485$1,558$953$572$281
39 years$3,701$2,363$1,460$879$518$249
40 years$3,568$2,248$1,368$810$470$221
41 years$3,442$2,140$1,283$748$427$196
42 years$3,323$2,038$1,203$690$387$173
43 years$3,209$1,942$1,129$637$351$154
44 years$3,101$1,851$1,060$588$319$136
45 years$2,998$1,765$995$543$290$121
46 years$2,900$1,684$935$502$263$107
47 years$2,806$1,607$878$463$239$95
48 years$2,716$1,534$825$428$217$84
49 years$2,630$1,465$776$396$197$75
50 years$2,548$1,399$729$366$179$66

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 $4,325 every year, while hoping to spend $48,079 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: 71/16/13 Blend
51$2,610,000$2,610,000$2,610,000$2,610,000
52$2,880,681$2,742,351$2,701,896$3,076,815
53$3,123,355$2,825,571$2,741,254$3,290,649
54$3,389,170$2,911,257$2,780,319$3,518,394
55$3,680,436$2,999,479$2,819,030$3,766,436
56$3,999,697$3,090,310$2,857,324$4,036,767
57$4,349,754$3,183,823$2,895,132$4,331,583
58$4,733,692$3,280,093$2,932,383$4,653,301
59$5,154,911$3,379,200$2,968,999$5,004,584
60$5,617,152$3,481,221$3,004,901$5,388,362
61$6,124,540$3,586,240$3,040,004$5,807,865
62$6,681,617$3,694,339$3,074,218$6,266,647
63$7,293,385$3,805,605$3,107,448$6,768,627
64$7,965,356$3,920,125$3,139,593$7,318,116
65$8,703,602$4,037,991$3,170,549$7,919,868
66$9,514,811$4,159,294$3,200,203$8,579,116
67$10,406,351$4,284,129$3,228,440$9,301,625
68$11,386,341$4,412,594$3,255,135$10,093,747
69$12,463,725$4,544,787$3,280,158$10,962,480
70$13,648,354$4,680,811$3,303,373$11,915,531
71$14,951,086$4,820,770$3,324,636$12,961,393
72$16,383,880$4,964,772$3,343,795$14,109,421
73$17,959,914$5,112,924$3,360,690$15,369,923
74$19,693,708$5,265,339$3,375,155$16,754,257
75$21,601,257$5,422,132$3,387,015$18,274,933
76$23,700,189$5,583,420$3,396,083$19,945,737
77$26,009,923$5,749,323$3,402,167$21,781,860
78$28,551,858$5,919,963$3,405,062$23,800,037
79$31,349,572$6,095,465$3,404,556$26,018,709
80$34,429,043$6,275,957$3,400,423$28,458,192
81$37,818,897$6,461,571$3,392,429$31,140,877
82$41,550,676$6,652,440$3,380,328$34,091,430
83$45,659,136$6,848,700$3,363,859$37,337,034
84$50,182,573$7,050,492$3,342,754$40,907,640
85$55,163,186$7,257,956$3,316,726$44,836,252
86$60,647,474$7,471,239$3,285,480$49,159,235
87$66,686,675$7,690,489$3,248,702$53,916,664
88$73,337,249$7,915,856$3,206,067$59,152,695
89$80,661,411$8,147,495$3,157,232$64,915,987
90$88,727,715$8,385,563$3,101,840$71,260,156
91$97,611,707$8,630,220$3,039,516$78,244,288
92$107,396,628$8,881,628$2,969,867$85,933,488
93$118,174,211$9,139,954$2,892,484$94,399,502
94$130,045,535$9,405,367$2,806,937$103,721,388
95$143,121,987$9,678,037$2,712,778$113,986,266
96$157,526,310$9,958,141$2,609,535$125,290,139
97$173,393,758$10,245,855$2,496,720$137,738,798
98$190,873,379$10,541,359$2,373,817$151,448,822
99$210,129,415$10,844,837$2,240,292$166,548,676
100$231,342,856$11,156,475$2,095,582$183,179,927