Can I retire at age 52 with 2,660,000?

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 $2,660,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.6%
1 years$219,660$217,704$215,795$213,932$212,112$207,237
2 years$108,743$106,717$104,755$102,852$101,006$96,121
3 years$71,775$69,741$67,783$65,898$64,082$59,340
4 years$53,295$51,267$49,329$47,476$45,704$41,142
5 years$42,210$40,194$38,281$36,466$34,743$30,374
6 years$34,822$32,821$30,937$29,162$27,491$23,318
7 years$29,547$27,563$25,709$23,976$22,358$18,382
8 years$25,593$23,627$21,803$20,113$18,548$14,768
9 years$22,519$20,571$18,779$17,132$15,620$12,034
10 years$20,061$18,133$16,372$14,768$13,309$9,912
11 years$18,051$16,143$14,414$12,852$11,446$8,234
12 years$16,378$14,489$12,792$11,273$9,919$6,886
13 years$14,963$13,094$11,429$9,952$8,650$5,790
14 years$13,751$11,902$10,269$8,835$7,582$4,891
15 years$12,702$10,872$9,271$7,879$6,676$4,146
16 years$11,785$9,975$8,406$7,055$5,900$3,525
17 years$10,976$9,187$7,649$6,339$5,232$3,005
18 years$10,259$8,489$6,982$5,712$4,652$2,568
19 years$9,617$7,868$6,392$5,162$4,146$2,198
20 years$9,040$7,311$5,866$4,675$3,703$1,884
21 years$8,519$6,810$5,396$4,243$3,314$1,617
22 years$8,046$6,357$4,973$3,858$2,971$1,389
23 years$7,615$5,945$4,592$3,513$2,667$1,195
24 years$7,220$5,570$4,247$3,204$2,397$1,029
25 years$6,858$5,227$3,933$2,926$2,157$886
26 years$6,524$4,913$3,648$2,676$1,943$764
27 years$6,215$4,624$3,387$2,449$1,752$658
28 years$5,929$4,357$3,149$2,244$1,580$568
29 years$5,662$4,110$2,930$2,058$1,427$490
30 years$5,415$3,882$2,730$1,888$1,289$423
31 years$5,183$3,669$2,545$1,734$1,166$365
32 years$4,967$3,472$2,374$1,594$1,055$316
33 years$4,764$3,288$2,217$1,466$954$273
34 years$4,573$3,116$2,071$1,349$864$236
35 years$4,394$2,956$1,937$1,242$783$204
36 years$4,225$2,806$1,812$1,143$709$176
37 years$4,065$2,665$1,696$1,053$643$152
38 years$3,914$2,532$1,588$971$583$132
39 years$3,772$2,408$1,488$895$528$114
40 years$3,637$2,291$1,394$826$479$98
41 years$3,508$2,181$1,307$762$435$85
42 years$3,387$2,077$1,226$703$395$74
43 years$3,271$1,979$1,151$649$358$64
44 years$3,160$1,886$1,080$599$325$55
45 years$3,055$1,799$1,014$554$295$48
46 years$2,955$1,716$953$511$268$41
47 years$2,860$1,638$895$472$243$36
48 years$2,768$1,563$841$436$221$31
49 years$2,681$1,493$791$403$201$27
50 years$2,597$1,426$743$373$182$23

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,660,000, adding $6,959 every year, while hoping to spend $39,669 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: 39/43/18 Blend
51$2,660,000$2,660,000$2,660,000$2,660,000
52$2,938,498$2,797,518$2,756,288$3,037,057
53$3,196,018$2,892,389$2,806,416$3,203,155
54$3,478,474$2,990,579$2,856,894$3,378,319
55$3,788,370$3,092,209$2,907,692$3,566,890
56$4,128,461$3,197,404$2,958,776$3,770,102
57$4,501,782$3,306,295$3,010,113$3,989,313
58$4,911,676$3,419,016$3,061,664$4,226,013
59$5,361,827$3,535,708$3,113,390$4,481,842
60$5,856,292$3,656,516$3,165,247$4,758,600
61$6,399,540$3,781,592$3,217,190$5,058,269
62$6,996,496$3,911,093$3,269,169$5,383,026
63$7,652,584$4,045,181$3,321,131$5,735,267
64$8,373,780$4,184,027$3,373,021$6,117,626
65$9,166,667$4,327,807$3,424,779$6,533,001
66$10,038,500$4,476,702$3,476,342$6,984,581
67$10,997,271$4,630,904$3,527,643$7,475,874
68$12,051,783$4,790,609$3,578,610$8,010,739
69$13,211,739$4,956,023$3,629,167$8,593,425
70$14,487,826$5,127,358$3,679,234$9,228,606
71$15,891,822$5,304,836$3,728,726$9,921,428
72$17,436,702$5,488,687$3,777,552$10,677,554
73$19,136,763$5,679,150$3,825,618$11,503,221
74$21,007,757$5,876,473$3,872,821$12,405,290
75$23,067,044$6,080,915$3,919,055$13,391,319
76$25,333,747$6,292,745$3,964,208$14,469,628
77$27,828,940$6,512,240$4,008,160$15,649,378
78$30,575,844$6,739,693$4,050,786$16,940,657
79$33,600,046$6,975,403$4,091,953$18,354,571
80$36,929,739$7,219,686$4,131,522$19,903,355
81$40,595,988$7,472,867$4,169,344$21,600,480
82$44,633,027$7,735,285$4,205,264$23,460,781
83$49,078,575$8,007,293$4,239,120$25,500,601
84$53,974,198$8,289,259$4,270,739$27,737,936
85$59,365,697$8,581,564$4,299,940$30,192,609
86$65,303,543$8,884,605$4,326,532$32,886,455
87$71,843,348$9,198,795$4,350,316$35,843,527
88$79,046,398$9,524,564$4,371,079$39,090,316
89$86,980,222$9,862,359$4,388,602$42,656,007
90$95,719,235$10,212,645$4,402,651$46,572,749
91$105,345,439$10,575,907$4,412,981$50,875,957
92$115,949,196$10,952,648$4,419,338$55,604,648
93$127,630,079$11,343,393$4,421,451$60,801,802
94$140,497,815$11,748,687$4,419,038$66,514,773
95$154,673,319$12,169,099$4,411,802$72,795,727
96$170,289,833$12,605,220$4,399,433$79,702,139
97$187,494,186$13,057,666$4,381,604$87,297,332
98$206,448,179$13,527,078$4,357,974$95,651,069
99$227,330,111$14,014,123$4,328,184$104,840,214
100$250,336,463$14,519,496$4,291,859$114,949,455