Can I retire at age 52 with 2,630,000?

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 $2,630,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.9%
1 years$217,183$215,248$213,361$211,519$209,720$204,650
2 years$107,516$105,514$103,573$101,692$99,867$94,789
3 years$70,966$68,955$67,019$65,155$63,359$58,433
4 years$52,694$50,689$48,773$46,940$45,189$40,452
5 years$41,734$39,741$37,849$36,055$34,352$29,817
6 years$34,429$32,451$30,588$28,833$27,181$22,854
7 years$29,214$27,253$25,419$23,705$22,106$17,985
8 years$25,304$23,360$21,557$19,886$18,339$14,424
9 years$22,265$20,339$18,567$16,938$15,444$11,732
10 years$19,835$17,928$16,187$14,601$13,159$9,645
11 years$17,848$15,960$14,251$12,707$11,317$7,997
12 years$16,193$14,325$12,647$11,146$9,807$6,675
13 years$14,794$12,946$11,300$9,840$8,552$5,602
14 years$13,596$11,767$10,153$8,735$7,497$4,722
15 years$12,559$10,750$9,167$7,790$6,601$3,994
16 years$11,652$9,863$8,311$6,975$5,834$3,389
17 years$10,853$9,083$7,563$6,267$5,173$2,883
18 years$10,143$8,393$6,904$5,648$4,599$2,458
19 years$9,509$7,779$6,320$5,103$4,099$2,099
20 years$8,939$7,228$5,800$4,622$3,662$1,795
21 years$8,423$6,733$5,335$4,195$3,277$1,537
22 years$7,956$6,285$4,917$3,814$2,937$1,318
23 years$7,529$5,878$4,540$3,474$2,637$1,131
24 years$7,139$5,508$4,199$3,168$2,370$971
25 years$6,781$5,169$3,889$2,893$2,132$834
26 years$6,450$4,858$3,607$2,645$1,921$717
27 years$6,145$4,572$3,349$2,421$1,732$617
28 years$5,862$4,308$3,113$2,219$1,563$531
29 years$5,599$4,064$2,897$2,035$1,411$457
30 years$5,354$3,838$2,699$1,867$1,275$394
31 years$5,125$3,628$2,516$1,715$1,153$339
32 years$4,911$3,433$2,347$1,576$1,043$292
33 years$4,710$3,251$2,192$1,449$944$252
34 years$4,521$3,081$2,048$1,333$854$217
35 years$4,344$2,922$1,915$1,227$774$187
36 years$4,177$2,774$1,791$1,130$701$161
37 years$4,019$2,635$1,676$1,042$635$139
38 years$3,870$2,504$1,570$960$576$120
39 years$3,729$2,381$1,471$885$522$103
40 years$3,596$2,265$1,379$816$474$89
41 years$3,469$2,156$1,293$753$430$77
42 years$3,348$2,054$1,213$695$390$66
43 years$3,234$1,957$1,138$642$354$57
44 years$3,125$1,865$1,068$593$321$49
45 years$3,021$1,778$1,003$547$292$43
46 years$2,922$1,697$942$506$265$37
47 years$2,827$1,619$885$467$241$32
48 years$2,737$1,546$832$432$218$27
49 years$2,650$1,476$782$399$198$24
50 years$2,568$1,410$735$369$180$20

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,630,000, adding $5,997 every year, while hoping to spend $41,991 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: 61/25/14 Blend
51$2,630,000$2,630,000$2,630,000$2,630,000
52$2,904,446$2,765,056$2,724,291$3,071,251
53$3,156,021$2,855,866$2,770,877$3,274,946
54$3,431,850$2,949,717$2,817,615$3,491,851
55$3,734,362$3,046,717$2,864,468$3,727,537
56$4,066,232$3,146,971$2,911,394$3,983,827
57$4,430,408$3,250,593$2,958,346$4,262,724
58$4,830,138$3,357,700$3,005,278$4,566,436
59$5,268,996$3,468,412$3,052,139$4,897,389
60$5,750,922$3,582,853$3,098,875$5,258,259
61$6,280,257$3,701,153$3,145,428$5,651,986
62$6,861,780$3,823,446$3,191,736$6,081,812
63$7,500,757$3,949,871$3,237,735$6,551,304
64$8,202,992$4,080,572$3,283,357$7,064,389
65$8,974,874$4,215,697$3,328,527$7,625,393
66$9,823,447$4,355,402$3,373,168$8,239,079
67$10,756,468$4,499,846$3,417,198$8,910,692
68$11,782,485$4,649,196$3,460,531$9,646,010
69$12,910,914$4,803,622$3,503,075$10,451,394
70$14,152,132$4,963,304$3,544,732$11,333,852
71$15,517,569$5,128,426$3,585,401$12,301,102
72$17,019,821$5,299,179$3,624,972$13,361,647
73$18,672,766$5,475,762$3,663,332$14,524,849
74$20,491,695$5,658,380$3,700,360$15,801,026
75$22,493,455$5,847,248$3,735,929$17,201,540
76$24,696,610$6,042,586$3,769,905$18,738,908
77$27,121,614$6,244,623$3,802,147$20,426,922
78$29,791,007$6,453,598$3,832,507$22,280,772
79$32,729,622$6,669,756$3,860,828$24,317,195
80$35,964,823$6,893,354$3,886,946$26,554,629
81$39,526,764$7,124,657$3,910,687$29,013,388
82$43,448,669$7,363,940$3,931,870$31,715,853
83$47,767,148$7,611,488$3,950,303$34,686,682
84$52,522,544$7,867,598$3,965,785$37,953,041
85$57,759,309$8,132,576$3,978,104$41,544,864
86$63,526,428$8,406,741$3,987,040$45,495,130
87$69,877,876$8,690,424$3,992,358$49,840,176
88$76,873,132$8,983,968$3,993,815$54,620,039
89$84,577,737$9,287,728$3,991,154$59,878,835
90$93,063,914$9,602,074$3,984,105$65,665,170
91$102,411,247$9,927,389$3,972,386$72,032,604
92$112,707,434$10,264,072$3,955,701$79,040,150
93$124,049,116$10,612,534$3,933,740$86,752,835
94$136,542,782$10,973,205$3,906,178$95,242,311
95$150,305,784$11,346,530$3,872,672$104,587,529
96$165,467,434$11,732,970$3,832,867$114,875,488
97$182,170,232$12,133,005$3,786,388$126,202,050
98$200,571,206$12,547,134$3,732,843$138,672,847
99$220,843,398$12,975,872$3,671,822$152,404,277
100$243,177,492$13,419,757$3,602,895$167,524,601