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%14.2%
1 years$217,183$215,248$213,361$211,519$209,720$206,076
2 years$107,516$105,514$103,573$101,692$99,867$96,207
3 years$70,966$68,955$67,019$65,155$63,359$59,799
4 years$52,694$50,689$48,773$46,940$45,189$41,754
5 years$41,734$39,741$37,849$36,055$34,352$31,053
6 years$34,429$32,451$30,588$28,833$27,181$24,022
7 years$29,214$27,253$25,419$23,705$22,106$19,087
8 years$25,304$23,360$21,557$19,886$18,339$15,459
9 years$22,265$20,339$18,567$16,938$15,444$12,703
10 years$19,835$17,928$16,187$14,601$13,159$10,554
11 years$17,848$15,960$14,251$12,707$11,317$8,845
12 years$16,193$14,325$12,647$11,146$9,807$7,464
13 years$14,794$12,946$11,300$9,840$8,552$6,335
14 years$13,596$11,767$10,153$8,735$7,497$5,402
15 years$12,559$10,750$9,167$7,790$6,601$4,624
16 years$11,652$9,863$8,311$6,975$5,834$3,971
17 years$10,853$9,083$7,563$6,267$5,173$3,420
18 years$10,143$8,393$6,904$5,648$4,599$2,952
19 years$9,509$7,779$6,320$5,103$4,099$2,553
20 years$8,939$7,228$5,800$4,622$3,662$2,211
21 years$8,423$6,733$5,335$4,195$3,277$1,918
22 years$7,956$6,285$4,917$3,814$2,937$1,666
23 years$7,529$5,878$4,540$3,474$2,637$1,449
24 years$7,139$5,508$4,199$3,168$2,370$1,261
25 years$6,781$5,169$3,889$2,893$2,132$1,098
26 years$6,450$4,858$3,607$2,645$1,921$957
27 years$6,145$4,572$3,349$2,421$1,732$835
28 years$5,862$4,308$3,113$2,219$1,563$728
29 years$5,599$4,064$2,897$2,035$1,411$636
30 years$5,354$3,838$2,699$1,867$1,275$555
31 years$5,125$3,628$2,516$1,715$1,153$485
32 years$4,911$3,433$2,347$1,576$1,043$424
33 years$4,710$3,251$2,192$1,449$944$371
34 years$4,521$3,081$2,048$1,333$854$324
35 years$4,344$2,922$1,915$1,227$774$283
36 years$4,177$2,774$1,791$1,130$701$248
37 years$4,019$2,635$1,676$1,042$635$217
38 years$3,870$2,504$1,570$960$576$190
39 years$3,729$2,381$1,471$885$522$166
40 years$3,596$2,265$1,379$816$474$145
41 years$3,469$2,156$1,293$753$430$127
42 years$3,348$2,054$1,213$695$390$111
43 years$3,234$1,957$1,138$642$354$97
44 years$3,125$1,865$1,068$593$321$85
45 years$3,021$1,778$1,003$547$292$75
46 years$2,922$1,697$942$506$265$65
47 years$2,827$1,619$885$467$241$57
48 years$2,737$1,546$832$432$218$50
49 years$2,650$1,476$782$399$198$44
50 years$2,568$1,410$735$369$180$38

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 $5,389 every year, while hoping to spend $40,058 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: 81/5/14 Blend
51$2,630,000$2,630,000$2,630,000$2,630,000
52$2,903,819$2,764,429$2,723,664$3,130,589
53$3,157,387$2,857,264$2,772,285$3,373,158
54$3,435,476$2,953,306$2,821,193$3,633,620
55$3,740,546$3,052,670$2,870,354$3,918,381
56$4,075,304$3,155,473$2,919,733$4,229,858
57$4,442,735$3,261,840$2,969,294$4,570,715
58$4,846,123$3,371,900$3,018,994$4,943,888
59$5,289,089$3,485,784$3,068,792$5,352,608
60$5,775,620$3,603,632$3,118,641$5,800,434
61$6,310,110$3,725,586$3,168,492$6,291,289
62$6,897,397$3,851,796$3,218,292$6,829,493
63$7,542,812$3,982,414$3,267,985$7,419,804
64$8,252,229$4,117,603$3,317,513$8,067,465
65$9,032,118$4,257,527$3,366,811$8,778,251
66$9,889,607$4,402,359$3,415,813$9,558,524
67$10,832,552$4,552,279$3,464,447$10,415,296
68$11,869,604$4,707,473$3,512,638$11,356,288
69$13,010,297$4,868,133$3,560,305$12,390,009
70$14,265,136$5,034,460$3,607,364$13,525,835
71$15,645,694$5,206,663$3,653,725$14,774,092
72$17,164,723$5,384,957$3,699,292$16,146,163
73$18,836,272$5,569,568$3,743,966$17,654,585
74$20,675,823$5,760,728$3,787,640$19,313,175
75$22,700,433$5,958,679$3,830,202$21,137,154
76$24,928,897$6,163,675$3,871,534$23,143,297
77$27,381,925$6,375,975$3,911,510$25,350,083
78$30,082,335$6,595,851$3,950,000$27,777,879
79$33,055,272$6,823,587$3,986,863$30,449,122
80$36,328,441$7,059,474$4,021,955$33,388,538
81$39,932,372$7,303,818$4,055,120$36,623,371
82$43,900,704$7,556,935$4,086,197$40,183,644
83$48,270,506$7,819,155$4,115,015$44,102,436
84$53,082,624$8,090,820$4,141,394$48,416,199
85$58,382,066$8,372,284$4,165,145$53,165,102
86$64,218,429$8,663,919$4,186,070$58,393,405
87$70,646,365$8,966,107$4,203,959$64,149,883
88$77,726,097$9,279,249$4,218,594$70,488,281
89$85,523,986$9,603,759$4,229,744$77,467,824
90$94,113,159$9,940,070$4,237,168$85,153,773
91$103,574,199$10,288,631$4,240,610$93,618,046
92$113,995,902$10,649,908$4,239,805$102,939,890
93$125,476,118$11,024,388$4,234,472$113,206,635
94$138,122,674$11,412,575$4,224,319$124,514,511
95$152,054,390$11,814,995$4,209,038$136,969,566
96$167,402,203$12,232,194$4,188,305$150,688,656
97$184,310,397$12,664,742$4,161,783$165,800,556
98$202,937,973$13,113,229$4,129,118$182,447,171
99$223,460,140$13,578,272$4,089,938$200,784,877
100$246,069,978$14,060,510$4,043,854$220,985,997