Can I retire at age 52 with 2,650,000?

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 $2,650,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.7%
1 years$218,835$216,885$214,983$213,127$211,315$207,218
2 years$108,334$106,316$104,361$102,465$100,626$96,515
3 years$71,505$69,479$67,528$65,650$63,841$59,844
4 years$53,094$51,074$49,143$47,297$45,532$41,680
5 years$42,051$40,043$38,137$36,329$34,613$30,917
6 years$34,691$32,698$30,821$29,053$27,388$23,852
7 years$29,436$27,460$25,612$23,886$22,274$18,898
8 years$25,496$23,538$21,721$20,037$18,478$15,263
9 years$22,434$20,494$18,708$17,067$15,561$12,504
10 years$19,985$18,065$16,310$14,712$13,259$10,356
11 years$17,983$16,082$14,359$12,804$11,403$8,652
12 years$16,316$14,434$12,744$11,231$9,882$7,278
13 years$14,907$13,044$11,386$9,915$8,617$6,157
14 years$13,699$11,857$10,230$8,801$7,554$5,232
15 years$12,654$10,831$9,236$7,849$6,651$4,464
16 years$11,740$9,938$8,374$7,028$5,878$3,820
17 years$10,935$9,152$7,620$6,315$5,212$3,278
18 years$10,220$8,457$6,956$5,691$4,634$2,819
19 years$9,581$7,838$6,368$5,142$4,131$2,429
20 years$9,007$7,283$5,844$4,657$3,689$2,096
21 years$8,487$6,784$5,376$4,227$3,302$1,811
22 years$8,016$6,333$4,954$3,843$2,959$1,567
23 years$7,587$5,923$4,575$3,500$2,657$1,357
24 years$7,193$5,549$4,231$3,192$2,388$1,177
25 years$6,832$5,208$3,918$2,915$2,149$1,021
26 years$6,499$4,895$3,634$2,666$1,935$886
27 years$6,192$4,606$3,375$2,440$1,745$770
28 years$5,906$4,341$3,137$2,235$1,575$669
29 years$5,641$4,095$2,919$2,050$1,422$582
30 years$5,394$3,867$2,719$1,881$1,285$506
31 years$5,164$3,656$2,535$1,728$1,161$440
32 years$4,948$3,459$2,365$1,588$1,051$383
33 years$4,746$3,276$2,209$1,460$951$333
34 years$4,556$3,105$2,064$1,344$861$290
35 years$4,377$2,945$1,929$1,237$780$253
36 years$4,209$2,795$1,805$1,139$706$220
37 years$4,050$2,655$1,689$1,050$640$192
38 years$3,900$2,523$1,582$967$580$167
39 years$3,758$2,399$1,482$892$526$145
40 years$3,623$2,282$1,389$823$477$127
41 years$3,495$2,173$1,303$759$433$110
42 years$3,374$2,069$1,222$701$393$96
43 years$3,258$1,971$1,147$647$357$84
44 years$3,149$1,879$1,076$597$324$73
45 years$3,044$1,792$1,011$551$294$64
46 years$2,944$1,710$949$509$267$56
47 years$2,849$1,631$892$471$242$48
48 years$2,758$1,557$838$435$220$42
49 years$2,671$1,487$788$402$200$37
50 years$2,587$1,421$740$371$182$32

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,650,000, adding $6,181 every year, while hoping to spend $38,219 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: 52/41/7 Blend
51$2,650,000$2,650,000$2,650,000$2,650,000
52$2,926,676$2,786,226$2,745,151$3,073,547
53$3,184,532$2,882,086$2,796,449$3,269,799
54$3,467,408$2,981,363$2,848,184$3,478,436
55$3,777,817$3,084,182$2,900,331$3,704,406
56$4,118,525$3,190,678$2,952,862$3,949,351
57$4,492,579$3,300,985$3,005,748$4,215,073
58$4,903,336$3,415,247$3,058,954$4,503,555
59$5,354,494$3,533,613$3,112,448$4,816,978
60$5,850,128$3,656,235$3,166,190$5,157,739
61$6,394,725$3,783,275$3,220,141$5,528,477
62$6,993,230$3,914,898$3,274,258$5,932,092
63$7,651,088$4,051,277$3,328,495$6,371,778
64$8,374,301$4,192,591$3,382,802$6,851,047
65$9,169,480$4,339,029$3,437,126$7,373,764
66$10,043,909$4,490,783$3,491,412$7,944,182
67$11,005,613$4,648,056$3,545,599$8,566,983
68$12,063,433$4,811,059$3,599,624$9,247,320
69$13,227,111$4,980,008$3,653,419$9,990,863
70$14,507,380$5,155,133$3,706,913$10,803,857
71$15,916,066$5,336,668$3,760,028$11,693,173
72$17,466,200$5,524,860$3,812,684$12,666,380
73$19,172,139$5,719,964$3,864,795$13,731,807
74$21,049,701$5,922,246$3,916,270$14,898,629
75$23,116,318$6,131,983$3,967,012$16,176,945
76$25,391,195$6,349,464$4,016,920$17,577,879
77$27,895,496$6,574,986$4,065,886$19,113,678
78$30,652,539$6,808,863$4,113,795$20,797,832
79$33,688,019$7,051,418$4,160,528$22,645,195
80$37,030,249$7,302,990$4,205,958$24,672,128
81$40,710,427$7,563,929$4,249,951$26,896,650
82$44,762,931$7,834,602$4,292,364$29,338,609
83$49,225,641$8,115,389$4,333,050$32,019,866
84$54,140,300$8,406,687$4,371,850$34,964,498
85$59,552,904$8,708,907$4,408,601$38,199,030
86$65,514,138$9,022,481$4,443,126$41,752,679
87$72,079,853$9,347,856$4,475,244$45,657,630
88$79,311,594$9,685,497$4,504,761$49,949,335
89$87,277,179$10,035,889$4,531,473$54,666,854
90$96,051,343$10,399,539$4,555,169$59,853,212
91$105,716,435$10,776,972$4,575,623$65,555,811
92$116,363,205$11,168,737$4,592,599$71,826,872
93$128,091,651$11,575,405$4,605,850$78,723,928
94$141,011,970$11,997,570$4,615,117$86,310,361
95$155,245,593$12,435,853$4,620,125$94,656,005
96$170,926,334$12,890,899$4,620,589$103,837,796
97$188,201,649$13,363,382$4,616,208$113,940,503
98$207,234,032$13,854,003$4,606,666$125,057,519
99$228,202,546$14,363,493$4,591,633$137,291,746
100$251,304,515$14,892,612$4,570,761$150,756,559