Can I retire at age 52 with 2,620,000?

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 $2,620,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.4%
1 years$216,357$214,430$212,550$210,714$208,922$201,831
2 years$107,108$105,113$103,179$101,305$99,487$92,413
3 years$70,696$68,692$66,764$64,907$63,119$56,285
4 years$52,493$50,496$48,587$46,762$45,017$38,476
5 years$41,575$39,590$37,706$35,918$34,221$27,990
6 years$34,298$32,328$30,472$28,724$27,078$21,162
7 years$29,103$27,149$25,322$23,615$22,022$16,419
8 years$25,208$23,272$21,475$19,810$18,269$12,976
9 years$22,180$20,262$18,497$16,874$15,385$10,395
10 years$19,759$17,860$16,126$14,546$13,109$8,413
11 years$17,780$15,900$14,197$12,659$11,274$6,864
12 years$16,132$14,271$12,599$11,104$9,770$5,636
13 years$14,738$12,897$11,257$9,803$8,520$4,650
14 years$13,544$11,723$10,114$8,702$7,468$3,853
15 years$12,511$10,709$9,132$7,761$6,576$3,202
16 years$11,608$9,825$8,279$6,949$5,812$2,669
17 years$10,811$9,049$7,534$6,243$5,153$2,229
18 years$10,104$8,361$6,877$5,627$4,582$1,865
19 years$9,472$7,749$6,296$5,084$4,084$1,563
20 years$8,905$7,201$5,778$4,605$3,648$1,312
21 years$8,391$6,707$5,315$4,179$3,264$1,102
22 years$7,925$6,261$4,898$3,800$2,926$926
23 years$7,501$5,856$4,523$3,460$2,627$779
24 years$7,112$5,487$4,183$3,156$2,361$656
25 years$6,755$5,149$3,874$2,882$2,124$553
26 years$6,426$4,839$3,593$2,635$1,914$466
27 years$6,121$4,554$3,336$2,412$1,725$393
28 years$5,839$4,291$3,102$2,210$1,557$331
29 years$5,577$4,048$2,886$2,027$1,406$279
30 years$5,333$3,823$2,689$1,860$1,270$236
31 years$5,105$3,614$2,506$1,708$1,148$199
32 years$4,892$3,420$2,339$1,570$1,039$168
33 years$4,692$3,239$2,184$1,444$940$142
34 years$4,504$3,070$2,040$1,328$851$119
35 years$4,328$2,911$1,907$1,223$771$101
36 years$4,161$2,763$1,784$1,126$698$85
37 years$4,004$2,625$1,670$1,038$633$72
38 years$3,856$2,494$1,564$956$574$61
39 years$3,715$2,372$1,465$882$520$51
40 years$3,582$2,257$1,373$813$472$43
41 years$3,456$2,148$1,288$750$428$37
42 years$3,336$2,046$1,208$693$389$31
43 years$3,222$1,949$1,134$639$353$26
44 years$3,113$1,858$1,064$590$320$22
45 years$3,009$1,772$999$545$291$19
46 years$2,911$1,690$938$504$264$16
47 years$2,817$1,613$882$465$240$13
48 years$2,726$1,540$828$430$218$11
49 years$2,640$1,470$779$397$198$9
50 years$2,558$1,405$732$367$180$8

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,620,000, adding $3,741 every year, while hoping to spend $55,593 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: 55/26/19 Blend
51$2,620,000$2,620,000$2,620,000$2,620,000
52$2,891,099$2,752,239$2,711,629$3,035,119
53$3,126,840$2,827,948$2,743,318$3,209,613
54$3,384,764$2,905,504$2,774,205$3,393,298
55$3,667,075$2,984,938$2,804,205$3,592,107
56$3,976,198$3,066,281$2,833,228$3,807,500
57$4,314,807$3,149,566$2,861,178$4,041,089
58$4,685,845$3,234,822$2,887,955$4,294,644
59$5,092,553$3,322,081$2,913,454$4,570,119
60$5,538,501$3,411,370$2,937,562$4,869,664
61$6,027,621$3,502,720$2,960,162$5,195,646
62$6,564,242$3,596,157$2,981,132$5,550,674
63$7,153,136$3,691,710$3,000,342$5,937,621
64$7,799,557$3,789,405$3,017,654$6,359,652
65$8,509,292$3,889,266$3,032,925$6,820,254
66$9,288,716$3,991,316$3,046,005$7,323,268
67$10,144,853$4,095,579$3,056,734$7,872,926
68$11,085,439$4,202,074$3,064,946$8,473,890
69$12,118,999$4,310,820$3,070,466$9,131,297
70$13,254,921$4,421,834$3,073,111$9,850,807
71$14,503,551$4,535,132$3,072,688$10,638,657
72$15,876,284$4,650,725$3,068,995$11,501,717
73$17,385,678$4,768,623$3,061,818$12,447,559
74$19,045,565$4,888,833$3,050,937$13,484,527
75$20,871,187$5,011,360$3,036,118$14,621,813
76$22,879,336$5,136,205$3,017,116$15,869,548
77$25,088,513$5,263,364$2,993,674$17,238,895
78$27,519,105$5,392,832$2,965,526$18,742,155
79$30,193,571$5,524,598$2,932,388$20,392,884
80$33,136,660$5,658,648$2,893,968$22,206,020
81$36,375,638$5,794,961$2,849,955$24,198,025
82$39,940,553$5,933,514$2,800,028$26,387,038
83$43,864,509$6,074,275$2,743,848$28,793,052
84$48,183,983$6,217,210$2,681,062$31,438,095
85$52,939,171$6,362,275$2,611,299$34,346,447
86$58,174,362$6,509,421$2,534,173$37,544,862
87$63,938,356$6,658,592$2,449,277$41,062,824
88$70,284,930$6,809,725$2,356,189$44,932,825
89$77,273,338$6,962,746$2,254,466$49,190,674
90$84,968,872$7,117,575$2,143,645$53,875,832
91$93,443,481$7,274,120$2,023,241$59,031,787
92$102,776,446$7,432,281$1,892,749$64,706,465
93$113,055,127$7,591,946$1,751,640$70,952,681
94$124,375,791$7,752,993$1,599,361$77,828,642
95$136,844,518$7,915,286$1,435,336$85,398,492
96$150,578,201$8,078,677$1,258,962$93,732,922
97$165,705,648$8,243,003$1,069,608$102,909,836
98$182,368,803$8,408,089$866,618$113,015,088
99$200,724,076$8,573,740$649,305$124,143,291
100$220,943,827$8,739,749$416,952$136,398,717