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%13.6%
1 years$219,660$217,704$215,795$213,932$212,112$208,942
2 years$108,743$106,717$104,755$102,852$101,006$97,819
3 years$71,775$69,741$67,783$65,898$64,082$60,978
4 years$53,295$51,267$49,329$47,476$45,704$42,707
5 years$42,210$40,194$38,281$36,466$34,743$31,861
6 years$34,822$32,821$30,937$29,162$27,491$24,728
7 years$29,547$27,563$25,709$23,976$22,358$19,714
8 years$25,593$23,627$21,803$20,113$18,548$16,023
9 years$22,519$20,571$18,779$17,132$15,620$13,213
10 years$20,061$18,133$16,372$14,768$13,309$11,018
11 years$18,051$16,143$14,414$12,852$11,446$9,268
12 years$16,378$14,489$12,792$11,273$9,919$7,852
13 years$14,963$13,094$11,429$9,952$8,650$6,691
14 years$13,751$11,902$10,269$8,835$7,582$5,728
15 years$12,702$10,872$9,271$7,879$6,676$4,924
16 years$11,785$9,975$8,406$7,055$5,900$4,246
17 years$10,976$9,187$7,649$6,339$5,232$3,672
18 years$10,259$8,489$6,982$5,712$4,652$3,183
19 years$9,617$7,868$6,392$5,162$4,146$2,765
20 years$9,040$7,311$5,866$4,675$3,703$2,406
21 years$8,519$6,810$5,396$4,243$3,314$2,097
22 years$8,046$6,357$4,973$3,858$2,971$1,830
23 years$7,615$5,945$4,592$3,513$2,667$1,598
24 years$7,220$5,570$4,247$3,204$2,397$1,397
25 years$6,858$5,227$3,933$2,926$2,157$1,223
26 years$6,524$4,913$3,648$2,676$1,943$1,071
27 years$6,215$4,624$3,387$2,449$1,752$939
28 years$5,929$4,357$3,149$2,244$1,580$823
29 years$5,662$4,110$2,930$2,058$1,427$722
30 years$5,415$3,882$2,730$1,888$1,289$634
31 years$5,183$3,669$2,545$1,734$1,166$556
32 years$4,967$3,472$2,374$1,594$1,055$488
33 years$4,764$3,288$2,217$1,466$954$429
34 years$4,573$3,116$2,071$1,349$864$377
35 years$4,394$2,956$1,937$1,242$783$331
36 years$4,225$2,806$1,812$1,143$709$291
37 years$4,065$2,665$1,696$1,053$643$256
38 years$3,914$2,532$1,588$971$583$225
39 years$3,772$2,408$1,488$895$528$198
40 years$3,637$2,291$1,394$826$479$174
41 years$3,508$2,181$1,307$762$435$153
42 years$3,387$2,077$1,226$703$395$135
43 years$3,271$1,979$1,151$649$358$119
44 years$3,160$1,886$1,080$599$325$104
45 years$3,055$1,799$1,014$554$295$92
46 years$2,955$1,716$953$511$268$81
47 years$2,860$1,638$895$472$243$71
48 years$2,768$1,563$841$436$221$63
49 years$2,681$1,493$791$403$201$55
50 years$2,597$1,426$743$373$182$48

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 $5,576 every year, while hoping to spend $59,976 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: 75/8/17 Blend
51$2,660,000$2,660,000$2,660,000$2,660,000
52$2,937,072$2,796,092$2,754,862$3,145,658
53$3,172,839$2,869,286$2,783,336$3,357,655
54$3,430,644$2,944,057$2,810,753$3,581,997
55$3,712,673$3,020,418$2,837,016$3,826,294
56$4,021,329$3,098,382$2,862,019$4,092,518
57$4,359,262$3,177,961$2,885,655$4,382,841
58$4,729,388$3,259,162$2,907,806$4,699,652
59$5,134,920$3,341,996$2,928,352$5,045,588
60$5,579,396$3,426,467$2,947,165$5,423,549
61$6,066,710$3,512,580$2,964,111$5,836,733
62$6,601,154$3,600,336$2,979,048$6,288,662
63$7,187,453$3,689,734$2,991,828$6,783,215
64$7,830,815$3,780,772$3,002,295$7,324,669
65$8,536,971$3,873,444$3,010,286$7,917,732
66$9,312,240$3,967,740$3,015,628$8,567,594
67$10,163,577$4,063,648$3,018,140$9,279,973
68$11,098,648$4,161,152$3,017,634$10,061,170
69$12,125,895$4,260,234$3,013,909$10,918,126
70$13,254,619$4,360,868$3,006,759$11,858,490
71$14,495,068$4,463,029$2,995,963$12,890,691
72$15,858,530$4,566,682$2,981,292$14,024,015
73$17,357,441$4,671,790$2,962,506$15,268,697
74$19,005,503$4,778,311$2,939,354$16,636,014
75$20,817,812$4,886,196$2,911,570$18,138,392
76$22,811,000$4,995,390$2,878,878$19,789,524
77$25,003,390$5,105,833$2,840,989$21,604,499
78$27,415,173$5,217,456$2,797,599$23,599,946
79$30,068,593$5,330,184$2,748,391$25,794,188
80$32,988,160$5,443,933$2,693,033$28,207,417
81$36,200,878$5,558,612$2,631,175$30,861,885
82$39,736,504$5,674,120$2,562,456$33,782,112
83$43,627,822$5,790,346$2,486,493$36,995,119
84$47,910,958$5,907,171$2,402,888$40,530,684
85$52,625,716$6,024,463$2,311,225$44,421,623
86$57,815,956$6,142,079$2,211,068$48,704,097
87$63,530,007$6,259,864$2,101,963$53,417,957
88$69,821,121$6,377,651$1,983,432$58,607,119
89$76,747,977$6,495,257$1,854,978$64,319,979
90$84,375,233$6,612,487$1,716,082$70,609,869
91$92,774,136$6,729,129$1,566,201$77,535,563
92$102,023,195$6,844,954$1,404,766$85,161,830
93$112,208,921$6,959,716$1,231,185$93,560,046
94$123,426,640$7,073,151$1,044,839$102,808,869
95$135,781,398$7,184,976$845,081$112,994,981
96$149,388,945$7,294,885$631,237$124,213,908
97$164,376,835$7,402,552$402,601$136,570,921
98$180,885,622$7,507,626$158,437$150,182,030
99$199,070,188$7,609,733$0$165,175,081
100$219,101,209$7,708,471$0$181,709,487