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

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 $2,630,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.7%
1 years$217,183$215,248$213,361$211,519$209,720$202,359
2 years$107,516$105,514$103,573$101,692$99,867$92,528
3 years$70,966$68,955$67,019$65,155$63,359$56,274
4 years$52,694$50,689$48,773$46,940$45,189$38,410
5 years$41,734$39,741$37,849$36,055$34,352$27,898
6 years$34,429$32,451$30,588$28,833$27,181$21,057
7 years$29,214$27,253$25,419$23,705$22,106$16,310
8 years$25,304$23,360$21,557$19,886$18,339$12,867
9 years$22,265$20,339$18,567$16,938$15,444$10,289
10 years$19,835$17,928$16,187$14,601$13,159$8,312
11 years$17,848$15,960$14,251$12,707$11,317$6,768
12 years$16,193$14,325$12,647$11,146$9,807$5,546
13 years$14,794$12,946$11,300$9,840$8,552$4,567
14 years$13,596$11,767$10,153$8,735$7,497$3,775
15 years$12,559$10,750$9,167$7,790$6,601$3,131
16 years$11,652$9,863$8,311$6,975$5,834$2,604
17 years$10,853$9,083$7,563$6,267$5,173$2,170
18 years$10,143$8,393$6,904$5,648$4,599$1,812
19 years$9,509$7,779$6,320$5,103$4,099$1,515
20 years$8,939$7,228$5,800$4,622$3,662$1,268
21 years$8,423$6,733$5,335$4,195$3,277$1,063
22 years$7,956$6,285$4,917$3,814$2,937$892
23 years$7,529$5,878$4,540$3,474$2,637$748
24 years$7,139$5,508$4,199$3,168$2,370$628
25 years$6,781$5,169$3,889$2,893$2,132$528
26 years$6,450$4,858$3,607$2,645$1,921$444
27 years$6,145$4,572$3,349$2,421$1,732$373
28 years$5,862$4,308$3,113$2,219$1,563$314
29 years$5,599$4,064$2,897$2,035$1,411$264
30 years$5,354$3,838$2,699$1,867$1,275$222
31 years$5,125$3,628$2,516$1,715$1,153$187
32 years$4,911$3,433$2,347$1,576$1,043$158
33 years$4,710$3,251$2,192$1,449$944$133
34 years$4,521$3,081$2,048$1,333$854$112
35 years$4,344$2,922$1,915$1,227$774$94
36 years$4,177$2,774$1,791$1,130$701$79
37 years$4,019$2,635$1,676$1,042$635$67
38 years$3,870$2,504$1,570$960$576$56
39 years$3,729$2,381$1,471$885$522$47
40 years$3,596$2,265$1,379$816$474$40
41 years$3,469$2,156$1,293$753$430$34
42 years$3,348$2,054$1,213$695$390$28
43 years$3,234$1,957$1,138$642$354$24
44 years$3,125$1,865$1,068$593$321$20
45 years$3,021$1,778$1,003$547$292$17
46 years$2,922$1,697$942$506$265$14
47 years$2,827$1,619$885$467$241$12
48 years$2,737$1,546$832$432$218$10
49 years$2,650$1,476$782$399$198$9
50 years$2,568$1,410$735$369$180$7

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 $6,054 every year, while hoping to spend $20,643 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: 82/12/6 Blend
51$2,630,000$2,630,000$2,630,000$2,630,000
52$2,904,505$2,765,115$2,724,350$3,141,065
53$3,178,800$2,878,641$2,793,651$3,410,099
54$3,480,382$2,997,039$2,864,583$3,701,986
55$3,812,011$3,120,524$2,937,177$4,021,771
56$4,176,731$3,249,324$3,011,467$4,372,233
57$4,577,892$3,383,676$3,087,486$4,756,435
58$5,019,189$3,523,828$3,165,268$5,177,746
59$5,504,690$3,670,040$3,244,849$5,639,878
60$6,038,879$3,822,582$3,326,262$6,146,919
61$6,626,696$3,981,739$3,409,542$6,703,371
62$7,273,583$4,147,809$3,494,726$7,314,192
63$7,985,538$4,321,101$3,581,849$7,984,844
64$8,769,169$4,501,941$3,670,947$8,721,339
65$9,631,757$4,690,669$3,762,057$9,530,304
66$10,581,325$4,887,641$3,855,215$10,419,036
67$11,626,714$5,093,229$3,950,458$11,395,571
68$12,777,665$5,307,823$4,047,824$12,468,765
69$14,044,911$5,531,830$4,147,350$13,648,369
70$15,440,279$5,765,677$4,249,074$14,945,128
71$16,976,803$6,009,811$4,353,033$16,370,878
72$18,668,843$6,264,698$4,459,266$17,938,657
73$20,532,224$6,530,827$4,567,810$19,662,828
74$22,584,384$6,808,710$4,678,705$21,559,215
75$24,844,536$7,098,883$4,791,987$23,645,252
76$27,333,856$7,401,904$4,907,695$25,940,146
77$30,075,674$7,718,363$5,025,868$28,465,055
78$33,095,701$8,048,871$5,146,543$31,243,293
79$36,422,268$8,394,071$5,269,758$34,300,545
80$40,086,596$8,754,637$5,395,551$37,665,108
81$44,123,087$9,131,273$5,523,960$41,368,163
82$48,569,651$9,524,714$5,655,022$45,444,060
83$53,468,064$9,935,734$5,788,774$49,930,651
84$58,864,361$10,365,139$5,925,252$54,869,638
85$64,809,271$10,813,776$6,064,493$60,306,970
86$71,358,695$11,282,529$6,206,532$66,293,277
87$78,574,234$11,772,326$6,351,403$72,884,343
88$86,523,773$12,284,137$6,499,142$80,141,634
89$95,282,116$12,818,978$6,649,782$88,132,877
90$104,931,697$13,377,913$6,803,355$96,932,700
91$115,563,356$13,962,057$6,959,893$106,623,331
92$127,277,196$14,572,575$7,119,427$117,295,375
93$140,183,528$15,210,689$7,281,986$129,048,672
94$154,403,914$15,877,679$7,447,599$141,993,231
95$170,072,312$16,574,884$7,616,292$156,250,272
96$187,336,341$17,303,706$7,788,091$171,953,370
97$206,358,676$18,065,616$7,963,020$189,249,709
98$227,318,580$18,862,151$8,141,101$208,301,476
99$250,413,602$19,694,923$8,322,354$229,287,386
100$275,861,434$20,565,619$8,506,798$252,404,370