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

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 $2,660,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15%
1 years$219,660$217,704$215,795$213,932$212,112$207,745
2 years$108,743$106,717$104,755$102,852$101,006$96,625
3 years$71,775$69,741$67,783$65,898$64,082$59,826
4 years$53,295$51,267$49,329$47,476$45,704$41,604
5 years$42,210$40,194$38,281$36,466$34,743$30,812
6 years$34,822$32,821$30,937$29,162$27,491$23,732
7 years$29,547$27,563$25,709$23,976$22,358$18,772
8 years$25,593$23,627$21,803$20,113$18,548$15,134
9 years$22,519$20,571$18,779$17,132$15,620$12,376
10 years$20,061$18,133$16,372$14,768$13,309$10,232
11 years$18,051$16,143$14,414$12,852$11,446$8,532
12 years$16,378$14,489$12,792$11,273$9,919$7,163
13 years$14,963$13,094$11,429$9,952$8,650$6,048
14 years$13,751$11,902$10,269$8,835$7,582$5,129
15 years$12,702$10,872$9,271$7,879$6,676$4,366
16 years$11,785$9,975$8,406$7,055$5,900$3,729
17 years$10,976$9,187$7,649$6,339$5,232$3,192
18 years$10,259$8,489$6,982$5,712$4,652$2,739
19 years$9,617$7,868$6,392$5,162$4,146$2,355
20 years$9,040$7,311$5,866$4,675$3,703$2,028
21 years$8,519$6,810$5,396$4,243$3,314$1,749
22 years$8,046$6,357$4,973$3,858$2,971$1,509
23 years$7,615$5,945$4,592$3,513$2,667$1,304
24 years$7,220$5,570$4,247$3,204$2,397$1,128
25 years$6,858$5,227$3,933$2,926$2,157$976
26 years$6,524$4,913$3,648$2,676$1,943$845
27 years$6,215$4,624$3,387$2,449$1,752$733
28 years$5,929$4,357$3,149$2,244$1,580$635
29 years$5,662$4,110$2,930$2,058$1,427$551
30 years$5,415$3,882$2,730$1,888$1,289$478
31 years$5,183$3,669$2,545$1,734$1,166$415
32 years$4,967$3,472$2,374$1,594$1,055$360
33 years$4,764$3,288$2,217$1,466$954$313
34 years$4,573$3,116$2,071$1,349$864$271
35 years$4,394$2,956$1,937$1,242$783$236
36 years$4,225$2,806$1,812$1,143$709$205
37 years$4,065$2,665$1,696$1,053$643$178
38 years$3,914$2,532$1,588$971$583$155
39 years$3,772$2,408$1,488$895$528$134
40 years$3,637$2,291$1,394$826$479$117
41 years$3,508$2,181$1,307$762$435$101
42 years$3,387$2,077$1,226$703$395$88
43 years$3,271$1,979$1,151$649$358$77
44 years$3,160$1,886$1,080$599$325$67
45 years$3,055$1,799$1,014$554$295$58
46 years$2,955$1,716$953$511$268$50
47 years$2,860$1,638$895$472$243$44
48 years$2,768$1,563$841$436$221$38
49 years$2,681$1,493$791$403$201$33
50 years$2,597$1,426$743$373$182$29

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 $6,696 every year, while hoping to spend $27,266 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: 42/38/20 Blend
51$2,660,000$2,660,000$2,660,000$2,660,000
52$2,938,227$2,797,247$2,756,017$3,044,165
53$3,208,915$2,905,301$2,819,333$3,228,059
54$3,506,300$3,017,736$2,883,856$3,423,919
55$3,833,075$3,134,738$2,949,598$3,635,456
56$4,192,209$3,256,501$3,016,569$3,864,124
57$4,586,972$3,383,227$3,084,782$4,111,519
58$5,020,966$3,515,128$3,154,245$4,379,396
59$5,498,161$3,652,425$3,224,968$4,669,681
60$6,022,928$3,795,349$3,296,960$4,984,492
61$6,600,086$3,944,140$3,370,227$5,326,157
62$7,234,944$4,099,052$3,444,778$5,697,235
63$7,933,348$4,260,346$3,520,619$6,100,538
64$8,701,744$4,428,297$3,597,754$6,539,160
65$9,547,231$4,603,192$3,676,187$7,016,502
66$10,477,631$4,785,331$3,755,923$7,536,304
67$11,501,565$4,975,028$3,836,961$8,102,682
68$12,628,529$5,172,609$3,919,304$8,720,163
69$13,868,989$5,378,416$4,002,951$9,393,725
70$15,234,474$5,592,807$4,087,898$10,128,847
71$16,737,690$5,816,155$4,174,143$10,931,559
72$18,392,638$6,048,850$4,261,680$11,808,495
73$20,214,743$6,291,299$4,350,502$12,766,955
74$22,221,003$6,543,930$4,440,600$13,814,975
75$24,430,150$6,807,186$4,531,964$14,961,400
76$26,862,821$7,081,534$4,624,581$16,215,965
77$29,541,759$7,367,460$4,718,435$17,589,388
78$32,492,026$7,665,473$4,813,510$19,093,466
79$35,741,235$7,976,104$4,909,785$20,741,189
80$39,319,818$8,299,909$5,007,239$22,546,859
81$43,261,304$8,637,470$5,105,847$24,526,221
82$47,602,644$8,989,393$5,205,580$26,696,614
83$52,384,555$9,356,314$5,306,408$29,077,129
84$57,651,903$9,738,897$5,408,296$31,688,792
85$63,454,131$10,137,837$5,511,207$34,554,755
86$69,845,720$10,553,859$5,615,101$37,700,516
87$76,886,709$10,987,723$5,719,932$41,154,156
88$84,643,255$11,440,223$5,825,652$44,946,603
89$93,188,263$11,912,191$5,932,207$49,111,920
90$102,602,072$12,404,493$6,039,542$53,687,625
91$112,973,209$12,918,040$6,147,593$58,715,042
92$124,399,233$13,453,780$6,256,293$64,239,691
93$136,987,648$14,012,709$6,365,573$70,311,710
94$150,856,922$14,595,865$6,475,353$76,986,330
95$166,137,603$15,204,337$6,585,552$84,324,389
96$182,973,551$15,839,263$6,696,081$92,392,909
97$201,523,298$16,501,832$6,806,845$101,265,718
98$221,961,543$17,193,289$6,917,742$111,024,151
99$244,480,799$17,914,939$7,028,665$121,757,806
100$269,293,213$18,668,144$7,139,498$133,565,395