Can I retire at age 52 with 2,680,000?

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 $2,680,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.4%
1 years$221,312$219,341$217,417$215,540$213,707$208,119
2 years$109,560$107,520$105,542$103,625$101,765$96,173
3 years$72,315$70,265$68,293$66,394$64,564$59,143
4 years$53,696$51,653$49,700$47,833$46,048$40,840
5 years$42,527$40,496$38,569$36,740$35,005$30,024
6 years$35,084$33,068$31,170$29,381$27,698$22,950
7 years$29,769$27,771$25,902$24,156$22,526$18,010
8 years$25,785$23,805$21,967$20,264$18,687$14,402
9 years$22,688$20,726$18,920$17,260$15,737$11,678
10 years$20,212$18,269$16,495$14,879$13,409$9,572
11 years$18,187$16,264$14,522$12,949$11,532$7,910
12 years$16,501$14,598$12,888$11,358$9,994$6,581
13 years$15,075$13,192$11,514$10,027$8,715$5,504
14 years$13,855$11,991$10,346$8,901$7,639$4,624
15 years$12,797$10,954$9,341$7,938$6,726$3,898
16 years$11,873$10,050$8,469$7,108$5,945$3,296
17 years$11,059$9,256$7,706$6,386$5,271$2,793
18 years$10,336$8,553$7,035$5,755$4,687$2,372
19 years$9,689$7,927$6,440$5,200$4,177$2,018
20 years$9,108$7,366$5,910$4,710$3,731$1,720
21 years$8,584$6,861$5,436$4,275$3,339$1,467
22 years$8,107$6,404$5,011$3,887$2,993$1,253
23 years$7,672$5,990$4,626$3,540$2,687$1,071
24 years$7,275$5,612$4,279$3,228$2,415$916
25 years$6,909$5,267$3,963$2,948$2,173$784
26 years$6,573$4,950$3,675$2,696$1,957$671
27 years$6,262$4,658$3,413$2,468$1,765$575
28 years$5,973$4,390$3,173$2,261$1,592$493
29 years$5,705$4,141$2,952$2,073$1,438$423
30 years$5,455$3,911$2,750$1,903$1,299$362
31 years$5,222$3,697$2,564$1,747$1,175$311
32 years$5,004$3,498$2,392$1,606$1,062$267
33 years$4,799$3,313$2,234$1,477$962$229
34 years$4,607$3,140$2,087$1,359$871$196
35 years$4,427$2,978$1,951$1,251$789$169
36 years$4,256$2,827$1,825$1,152$714$145
37 years$4,096$2,685$1,708$1,061$648$124
38 years$3,944$2,551$1,600$978$587$107
39 years$3,800$2,426$1,499$902$532$92
40 years$3,664$2,308$1,405$832$483$79
41 years$3,535$2,197$1,317$768$438$68
42 years$3,412$2,093$1,236$708$397$58
43 years$3,295$1,994$1,160$654$361$50
44 years$3,184$1,900$1,088$604$327$43
45 years$3,078$1,812$1,022$558$297$37
46 years$2,977$1,729$960$515$270$32
47 years$2,881$1,650$902$476$245$27
48 years$2,789$1,575$847$440$223$23
49 years$2,701$1,504$797$406$202$20
50 years$2,617$1,437$749$376$184$17

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,680,000, adding $4,117 every year, while hoping to spend $22,250 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: 87/7/6 Blend
51$2,680,000$2,680,000$2,680,000$2,680,000
52$2,957,607$2,815,567$2,774,027$3,213,940
53$3,235,609$2,929,856$2,843,283$3,495,788
54$3,541,221$3,048,999$2,914,113$3,802,002
55$3,877,237$3,173,211$2,986,547$4,137,839
56$4,246,733$3,302,716$3,060,614$4,506,267
57$4,653,099$3,437,749$3,136,344$4,910,555
58$5,100,070$3,578,554$3,213,767$5,354,304
59$5,591,762$3,725,387$3,292,912$5,841,480
60$6,132,708$3,878,517$3,373,811$6,376,452
61$6,727,903$4,038,224$3,456,493$6,964,031
62$7,382,853$4,204,801$3,540,990$7,609,520
63$8,103,622$4,378,554$3,627,331$8,318,755
64$8,896,893$4,559,804$3,715,547$9,098,171
65$9,770,028$4,748,887$3,805,670$9,954,852
66$10,731,141$4,946,152$3,897,731$10,896,605
67$11,789,172$5,151,968$3,991,759$11,932,030
68$12,953,970$5,366,717$4,087,786$13,070,601
69$14,236,391$5,590,802$4,185,842$14,322,756
70$15,648,393$5,824,642$4,285,958$15,699,994
71$17,203,157$6,068,677$4,388,165$17,214,984
72$18,915,203$6,323,366$4,492,493$18,881,685
73$20,800,533$6,589,190$4,598,971$20,715,475
74$22,876,780$6,866,654$4,707,629$22,733,299
75$25,163,375$7,156,283$4,818,498$24,953,826
76$27,681,726$7,458,628$4,931,605$27,397,624
77$30,455,428$7,774,266$5,046,979$30,087,358
78$33,510,477$8,103,801$5,164,648$33,047,998
79$36,875,523$8,447,864$5,284,641$36,307,059
80$40,582,132$8,807,115$5,406,982$39,894,858
81$44,665,093$9,182,247$5,531,700$43,844,798
82$49,162,739$9,573,984$5,658,818$48,193,686
83$54,117,311$9,983,082$5,788,361$52,982,078
84$59,575,359$10,410,335$5,920,354$58,254,663
85$65,588,178$10,856,574$6,054,818$64,060,682
86$72,212,292$11,322,666$6,191,774$70,454,393
87$79,509,991$11,809,521$6,331,243$77,495,582
88$87,549,914$12,318,092$6,473,244$85,250,130
89$96,407,701$12,849,375$6,617,794$93,790,628
90$106,166,706$13,404,413$6,764,909$103,197,070
91$116,918,779$13,984,298$6,914,603$113,557,597
92$128,765,141$14,590,175$7,066,888$124,969,339
93$141,817,331$15,223,240$7,221,775$137,539,322
94$156,198,267$15,884,747$7,379,273$151,385,484
95$172,043,399$16,576,008$7,539,387$166,637,784
96$189,501,991$17,298,397$7,702,121$183,439,429
97$208,738,529$18,053,354$7,867,478$201,948,224
98$229,934,275$18,842,385$8,035,454$222,338,064
99$253,288,976$19,667,067$8,206,047$244,800,569
100$279,022,752$20,529,053$8,379,250$269,546,897