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%13.7%
1 years$217,183$215,248$213,361$211,519$209,720$206,501
2 years$107,516$105,514$103,573$101,692$99,867$96,631
3 years$70,966$68,955$67,019$65,155$63,359$60,208
4 years$52,694$50,689$48,773$46,940$45,189$42,146
5 years$41,734$39,741$37,849$36,055$34,352$31,427
6 years$34,429$32,451$30,588$28,833$27,181$24,377
7 years$29,214$27,253$25,419$23,705$22,106$19,423
8 years$25,304$23,360$21,557$19,886$18,339$15,778
9 years$22,265$20,339$18,567$16,938$15,444$13,003
10 years$19,835$17,928$16,187$14,601$13,159$10,836
11 years$17,848$15,960$14,251$12,707$11,317$9,110
12 years$16,193$14,325$12,647$11,146$9,807$7,713
13 years$14,794$12,946$11,300$9,840$8,552$6,568
14 years$13,596$11,767$10,153$8,735$7,497$5,619
15 years$12,559$10,750$9,167$7,790$6,601$4,827
16 years$11,652$9,863$8,311$6,975$5,834$4,160
17 years$10,853$9,083$7,563$6,267$5,173$3,595
18 years$10,143$8,393$6,904$5,648$4,599$3,114
19 years$9,509$7,779$6,320$5,103$4,099$2,703
20 years$8,939$7,228$5,800$4,622$3,662$2,350
21 years$8,423$6,733$5,335$4,195$3,277$2,046
22 years$7,956$6,285$4,917$3,814$2,937$1,784
23 years$7,529$5,878$4,540$3,474$2,637$1,557
24 years$7,139$5,508$4,199$3,168$2,370$1,361
25 years$6,781$5,169$3,889$2,893$2,132$1,190
26 years$6,450$4,858$3,607$2,645$1,921$1,041
27 years$6,145$4,572$3,349$2,421$1,732$912
28 years$5,862$4,308$3,113$2,219$1,563$799
29 years$5,599$4,064$2,897$2,035$1,411$700
30 years$5,354$3,838$2,699$1,867$1,275$614
31 years$5,125$3,628$2,516$1,715$1,153$539
32 years$4,911$3,433$2,347$1,576$1,043$473
33 years$4,710$3,251$2,192$1,449$944$415
34 years$4,521$3,081$2,048$1,333$854$364
35 years$4,344$2,922$1,915$1,227$774$320
36 years$4,177$2,774$1,791$1,130$701$281
37 years$4,019$2,635$1,676$1,042$635$247
38 years$3,870$2,504$1,570$960$576$217
39 years$3,729$2,381$1,471$885$522$191
40 years$3,596$2,265$1,379$816$474$167
41 years$3,469$2,156$1,293$753$430$147
42 years$3,348$2,054$1,213$695$390$129
43 years$3,234$1,957$1,138$642$354$114
44 years$3,125$1,865$1,068$593$321$100
45 years$3,021$1,778$1,003$547$292$88
46 years$2,922$1,697$942$506$265$77
47 years$2,827$1,619$885$467$241$68
48 years$2,737$1,546$832$432$218$60
49 years$2,650$1,476$782$399$198$53
50 years$2,568$1,410$735$369$180$46

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 $3,078 every year, while hoping to spend $59,837 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: 34/38/28 Blend
51$2,630,000$2,630,000$2,630,000$2,630,000
52$2,901,435$2,762,045$2,721,280$2,975,401
53$3,133,715$2,833,719$2,748,777$3,103,149
54$3,387,683$2,906,900$2,775,189$3,235,246
55$3,665,486$2,981,598$2,800,418$3,376,540
56$3,969,491$3,057,822$2,824,358$3,527,890
57$4,302,305$3,135,580$2,846,899$3,690,246
58$4,666,794$3,214,878$2,867,924$3,864,649
59$5,066,120$3,295,720$2,887,312$4,052,251
60$5,503,761$3,378,107$2,904,934$4,254,318
61$5,983,550$3,462,039$2,920,655$4,472,248
62$6,509,707$3,547,514$2,934,332$4,707,580
63$7,086,881$3,634,526$2,945,816$4,962,009
64$7,720,192$3,723,067$2,954,950$5,237,407
65$8,415,280$3,813,126$2,961,569$5,535,834
66$9,178,357$3,904,688$2,965,500$5,859,562
67$10,016,267$3,997,734$2,966,561$6,211,096
68$10,936,547$4,092,245$2,964,563$6,593,196
69$11,947,503$4,188,193$2,959,303$7,008,905
70$13,058,282$4,285,548$2,950,574$7,461,580
71$14,278,963$4,384,276$2,938,154$7,954,919
72$15,620,648$4,484,337$2,921,813$8,492,999
73$17,095,570$4,585,685$2,901,310$9,080,315
74$18,717,205$4,688,271$2,876,391$9,721,825
75$20,500,400$4,792,036$2,846,790$10,422,991
76$22,461,514$4,896,919$2,812,231$11,189,837
77$24,618,568$5,002,847$2,772,420$12,029,004
78$26,991,421$5,109,745$2,727,055$12,947,812
79$29,601,949$5,217,526$2,675,815$13,954,334
80$32,474,260$5,326,097$2,618,366$15,057,467
81$35,634,913$5,435,355$2,554,360$16,267,021
82$39,113,173$5,545,186$2,483,431$17,593,811
83$42,941,287$5,655,470$2,405,195$19,049,759
84$47,154,783$5,766,073$2,319,254$20,648,009
85$51,792,810$5,876,850$2,225,188$22,403,051
86$56,898,505$5,987,644$2,122,561$24,330,858
87$62,519,401$6,098,287$2,010,915$26,449,041
88$68,707,871$6,208,594$1,889,772$28,777,013
89$75,521,627$6,318,368$1,758,632$31,336,172
90$83,024,261$6,427,397$1,616,975$34,150,111
91$91,285,846$6,535,449$1,464,253$37,244,835
92$100,383,595$6,642,279$1,299,899$40,649,012
93$110,402,593$6,747,622$1,123,316$44,394,244
94$121,436,594$6,851,192$933,884$48,515,365
95$133,588,911$6,952,685$730,954$53,050,777
96$146,973,386$7,051,773$513,847$58,042,806
97$161,715,468$7,148,106$281,857$63,538,114
98$177,953,392$7,241,310$34,246$69,588,130
99$195,839,488$7,330,983$0$76,249,548
100$215,541,612$7,416,698$0$83,653,572