Can I retire at age 52 with 2,670,000?

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 $2,670,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.2%
1 years$220,486$218,522$216,606$214,736$212,910$211,834
2 years$109,152$107,119$105,149$103,238$101,385$100,300
3 years$72,045$70,003$68,038$66,146$64,323$63,262
4 years$53,495$51,460$49,514$47,654$45,876$44,846
5 years$42,368$40,345$38,425$36,603$34,874$33,879
6 years$34,953$32,945$31,053$29,272$27,595$26,636
7 years$29,658$27,667$25,805$24,066$22,442$21,520
8 years$25,689$23,716$21,885$20,188$18,618$17,732
9 years$22,603$20,649$18,850$17,196$15,679$14,830
10 years$20,136$18,201$16,433$14,823$13,359$12,547
11 years$18,119$16,203$14,468$12,901$11,489$10,712
12 years$16,439$14,543$12,840$11,316$9,956$9,214
13 years$15,019$13,143$11,471$9,990$8,682$7,974
14 years$13,803$11,946$10,307$8,868$7,611$6,936
15 years$12,750$10,913$9,306$7,909$6,701$6,059
16 years$11,829$10,013$8,437$7,081$5,922$5,312
17 years$11,018$9,221$7,678$6,362$5,251$4,672
18 years$10,297$8,521$7,009$5,734$4,669$4,120
19 years$9,653$7,897$6,416$5,181$4,162$3,641
20 years$9,074$7,338$5,888$4,692$3,717$3,224
21 years$8,552$6,835$5,416$4,259$3,327$2,861
22 years$8,077$6,381$4,992$3,872$2,982$2,542
23 years$7,644$5,968$4,609$3,526$2,677$2,261
24 years$7,248$5,591$4,263$3,216$2,406$2,014
25 years$6,884$5,247$3,948$2,937$2,165$1,796
26 years$6,548$4,931$3,662$2,686$1,950$1,603
27 years$6,238$4,641$3,400$2,458$1,758$1,432
28 years$5,951$4,373$3,161$2,252$1,586$1,280
29 years$5,684$4,126$2,941$2,065$1,432$1,145
30 years$5,435$3,896$2,740$1,896$1,294$1,024
31 years$5,203$3,683$2,554$1,741$1,170$917
32 years$4,985$3,485$2,383$1,600$1,059$822
33 years$4,782$3,300$2,225$1,471$958$736
34 years$4,590$3,128$2,079$1,354$867$660
35 years$4,410$2,967$1,944$1,246$786$592
36 years$4,241$2,816$1,818$1,148$712$531
37 years$4,080$2,675$1,702$1,057$645$476
38 years$3,929$2,542$1,594$975$585$428
39 years$3,786$2,417$1,493$899$530$384
40 years$3,650$2,300$1,400$829$481$345
41 years$3,522$2,189$1,312$765$436$309
42 years$3,399$2,085$1,231$706$396$278
43 years$3,283$1,986$1,155$652$359$250
44 years$3,172$1,893$1,084$602$326$224
45 years$3,067$1,806$1,018$556$296$201
46 years$2,966$1,722$956$513$269$181
47 years$2,870$1,644$898$474$244$163
48 years$2,779$1,569$844$438$222$146
49 years$2,691$1,498$794$405$201$131
50 years$2,607$1,431$746$374$183$118

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,670,000, adding $4,691 every year, while hoping to spend $22,212 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: 85/10/5 Blend
51$2,670,000$2,670,000$2,670,000$2,670,000
52$2,947,179$2,805,669$2,764,284$3,197,330
53$3,224,158$2,919,513$2,833,254$3,474,938
54$3,528,644$3,038,191$2,903,790$3,776,314
55$3,863,420$3,161,917$2,975,921$4,106,677
56$4,231,551$3,290,913$3,049,677$4,468,922
57$4,636,414$3,425,413$3,125,086$4,866,239
58$5,081,731$3,565,661$3,202,179$5,302,142
59$5,571,600$3,711,911$3,280,985$5,780,497
60$6,110,540$3,864,431$3,361,534$6,305,567
61$6,703,526$4,023,499$3,443,857$6,882,044
62$7,356,043$4,189,408$3,527,983$7,515,097
63$8,074,132$4,362,462$3,613,944$8,210,419
64$8,864,452$4,542,981$3,701,769$8,974,280
65$9,734,337$4,731,298$3,791,489$9,813,590
66$10,691,870$4,927,762$3,883,135$10,735,957
67$11,745,957$5,132,739$3,976,736$11,749,763
68$12,906,412$5,346,611$4,072,324$12,864,243
69$14,184,048$5,569,776$4,169,929$14,089,569
70$15,590,780$5,802,655$4,269,581$15,436,948
71$17,139,738$6,045,683$4,371,310$16,918,724
72$18,845,388$6,299,318$4,475,145$18,548,500
73$20,723,672$6,564,039$4,581,118$20,341,260
74$22,792,157$6,840,348$4,689,256$22,313,512
75$25,070,200$7,128,768$4,799,588$24,483,444
76$27,579,131$7,429,847$4,912,145$26,871,096
77$30,342,452$7,744,160$5,026,952$29,498,546
78$33,386,066$8,072,308$5,144,038$32,390,118
79$36,738,512$8,414,918$5,263,431$35,572,614
80$40,431,240$8,772,648$5,385,155$39,075,564
81$44,498,906$9,146,188$5,509,238$42,931,503
82$48,979,700$9,536,257$5,635,703$47,176,282
83$53,915,705$9,943,609$5,764,575$51,849,399
84$59,353,295$10,369,034$5,895,876$56,994,378
85$65,343,572$10,813,357$6,029,629$62,659,173
86$71,942,849$11,277,445$6,165,854$68,896,626
87$79,213,181$11,762,200$6,304,571$75,764,958
88$87,222,949$12,268,572$6,445,798$83,328,323
89$96,047,510$12,797,552$6,589,552$91,657,413
90$105,769,902$13,350,178$6,735,848$100,830,120
91$116,481,632$13,927,537$6,884,700$110,932,274
92$128,283,540$14,530,768$7,036,119$122,058,450
93$141,286,748$15,161,062$7,190,115$134,312,863
94$155,613,708$15,819,666$7,346,696$147,810,346
95$171,399,364$16,507,887$7,505,867$162,677,437
96$188,792,417$17,227,092$7,667,632$179,053,569
97$207,956,737$17,978,713$7,831,992$197,092,389
98$229,072,904$18,764,250$7,998,943$216,963,205
99$252,339,914$19,585,272$8,168,481$238,852,579
100$277,977,058$20,443,423$8,340,599$262,966,096