Can I retire at age 52 with 2,690,000?

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 $2,690,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12%
1 years$222,138$220,159$218,229$216,344$214,504$212,707
2 years$109,969$107,921$105,936$104,012$102,145$100,334
3 years$72,585$70,528$68,548$66,641$64,805$63,036
4 years$53,896$51,845$49,885$48,011$46,219$44,506
5 years$42,686$40,647$38,713$36,877$35,135$33,482
6 years$35,215$33,192$31,286$29,491$27,801$26,211
7 years$29,880$27,874$25,999$24,246$22,610$21,083
8 years$25,881$23,893$22,049$20,340$18,757$17,294
9 years$22,773$20,803$18,991$17,325$15,796$14,396
10 years$20,287$18,337$16,557$14,934$13,459$12,121
11 years$18,255$16,325$14,576$12,997$11,575$10,298
12 years$16,562$14,652$12,936$11,400$10,031$8,814
13 years$15,132$13,241$11,557$10,065$8,747$7,589
14 years$13,906$12,036$10,384$8,934$7,668$6,567
15 years$12,845$10,995$9,376$7,968$6,751$5,706
16 years$11,918$10,088$8,500$7,134$5,967$4,975
17 years$11,100$9,290$7,735$6,410$5,291$4,351
18 years$10,374$8,585$7,061$5,777$4,704$3,815
19 years$9,726$7,956$6,464$5,220$4,193$3,353
20 years$9,142$7,393$5,932$4,728$3,745$2,952
21 years$8,616$6,887$5,457$4,291$3,352$2,604
22 years$8,137$6,428$5,029$3,901$3,004$2,299
23 years$7,701$6,012$4,644$3,553$2,697$2,033
24 years$7,302$5,633$4,295$3,240$2,424$1,800
25 years$6,935$5,286$3,978$2,959$2,181$1,595
26 years$6,597$4,968$3,689$2,706$1,965$1,415
27 years$6,285$4,676$3,426$2,477$1,771$1,256
28 years$5,995$4,406$3,185$2,269$1,598$1,115
29 years$5,726$4,157$2,963$2,081$1,443$991
30 years$5,476$3,925$2,760$1,910$1,304$881
31 years$5,242$3,711$2,573$1,754$1,179$784
32 years$5,023$3,511$2,401$1,612$1,066$698
33 years$4,817$3,325$2,242$1,482$965$621
34 years$4,625$3,152$2,095$1,364$874$553
35 years$4,443$2,989$1,958$1,256$791$493
36 years$4,272$2,837$1,832$1,156$717$439
37 years$4,111$2,695$1,715$1,065$650$391
38 years$3,959$2,561$1,606$982$589$349
39 years$3,814$2,435$1,504$905$534$311
40 years$3,678$2,317$1,410$835$485$277
41 years$3,548$2,205$1,322$771$440$247
42 years$3,425$2,100$1,240$711$399$221
43 years$3,308$2,001$1,164$656$362$197
44 years$3,196$1,908$1,092$606$329$176
45 years$3,090$1,819$1,026$560$298$157
46 years$2,989$1,735$963$517$271$140
47 years$2,892$1,656$905$478$246$125
48 years$2,799$1,581$851$441$223$111
49 years$2,711$1,510$799$408$203$99
50 years$2,626$1,442$752$377$184$89

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,690,000, adding $4,156 every year, while hoping to spend $36,441 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: 25/50/25 Blend
51$2,690,000$2,690,000$2,690,000$2,690,000
52$2,968,667$2,826,097$2,784,402$3,019,325
53$3,232,698$2,925,803$2,838,906$3,160,958
54$3,522,439$3,029,173$2,894,016$3,309,309
55$3,840,474$3,136,348$2,949,711$3,467,605
56$4,189,648$3,247,476$3,005,973$3,636,701
57$4,573,098$3,362,708$3,062,779$3,817,537
58$4,994,278$3,482,204$3,120,105$4,011,140
59$5,456,991$3,606,129$3,177,926$4,218,638
60$5,965,430$3,734,655$3,236,212$4,441,271
61$6,524,212$3,867,962$3,294,934$4,680,396
62$7,138,425$4,006,235$3,354,057$4,937,503
63$7,813,673$4,149,669$3,413,547$5,214,230
64$8,556,131$4,298,466$3,473,363$5,512,373
65$9,372,601$4,452,836$3,533,466$5,833,907
66$10,270,580$4,612,998$3,593,811$6,181,000
67$11,258,324$4,779,180$3,654,349$6,556,035
68$12,344,933$4,951,620$3,715,029$6,961,629
69$13,540,432$5,130,565$3,775,798$7,400,659
70$14,855,865$5,316,271$3,836,596$7,876,290
71$16,303,403$5,509,008$3,897,362$8,391,999
72$17,896,455$5,709,055$3,958,029$8,951,608
73$19,649,797$5,916,702$4,018,526$9,559,325
74$21,579,709$6,132,253$4,078,779$10,219,773
75$23,704,130$6,356,024$4,138,709$10,938,039
76$26,042,824$6,588,343$4,198,229$11,719,720
77$28,617,574$6,829,553$4,257,251$12,570,974
78$31,452,376$7,080,011$4,315,679$13,498,573
79$34,573,677$7,340,089$4,373,412$14,509,975
80$38,010,615$7,610,177$4,430,344$15,613,381
81$41,795,298$7,890,676$4,486,362$16,817,822
82$45,963,109$8,182,010$4,541,346$18,133,235
83$50,553,035$8,484,616$4,595,169$19,570,558
84$55,608,035$8,798,954$4,647,698$21,141,834
85$61,175,452$9,125,500$4,698,793$22,860,319
86$67,307,450$9,464,751$4,748,305$24,740,606
87$74,061,513$9,817,227$4,796,076$26,798,766
88$81,500,985$10,183,469$4,841,942$29,052,489
89$89,695,666$10,564,040$4,885,728$31,521,258
90$98,722,475$10,959,529$4,927,251$34,226,524
91$108,666,171$11,370,549$4,966,317$37,191,910
92$119,620,155$11,797,740$5,002,723$40,443,433
93$131,687,351$12,241,770$5,036,255$44,009,741
94$144,981,178$12,703,334$5,066,687$47,922,390
95$159,626,620$13,183,159$5,093,782$52,216,133
96$175,761,404$13,682,002$5,117,292$56,929,246
97$193,537,301$14,200,654$5,136,955$62,103,889
98$213,121,558$14,739,939$5,152,497$67,786,502
99$234,698,479$15,300,718$5,163,627$74,028,236
100$258,471,160$15,883,889$5,170,044$80,885,437