Can I retire at age 52 with 2,700,000?

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 $2,700,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.4%
1 years$222,963$220,977$219,040$217,149$215,302$208,828
2 years$110,378$108,322$106,330$104,398$102,525$96,057
3 years$72,854$70,790$68,803$66,889$65,046$58,787
4 years$54,096$52,038$50,071$48,190$46,391$40,389
5 years$42,844$40,798$38,857$37,014$35,266$29,537
6 years$35,345$33,315$31,402$29,601$27,905$22,454
7 years$29,991$27,978$26,095$24,336$22,694$17,521
8 years$25,977$23,982$22,131$20,415$18,827$13,929
9 years$22,857$20,881$19,061$17,389$15,855$11,227
10 years$20,362$18,405$16,618$14,990$13,509$9,144
11 years$18,323$16,385$14,630$13,045$11,618$7,509
12 years$16,624$14,707$12,984$11,443$10,068$6,206
13 years$15,188$13,290$11,600$10,102$8,780$5,156
14 years$13,958$12,081$10,423$8,968$7,696$4,301
15 years$12,893$11,036$9,411$7,997$6,776$3,600
16 years$11,962$10,125$8,532$7,161$5,989$3,022
17 years$11,141$9,325$7,764$6,434$5,310$2,543
18 years$10,413$8,617$7,087$5,798$4,722$2,144
19 years$9,762$7,986$6,488$5,239$4,208$1,810
20 years$9,176$7,421$5,954$4,745$3,759$1,531
21 years$8,648$6,912$5,477$4,307$3,364$1,296
22 years$8,167$6,452$5,048$3,916$3,015$1,098
23 years$7,730$6,035$4,661$3,566$2,707$931
24 years$7,329$5,654$4,310$3,252$2,433$790
25 years$6,961$5,306$3,992$2,970$2,189$671
26 years$6,622$4,987$3,703$2,716$1,972$570
27 years$6,308$4,693$3,438$2,486$1,778$484
28 years$6,018$4,422$3,196$2,278$1,604$412
29 years$5,748$4,172$2,974$2,089$1,449$350
30 years$5,496$3,940$2,771$1,917$1,309$298
31 years$5,261$3,725$2,583$1,760$1,183$253
32 years$5,041$3,524$2,410$1,618$1,070$216
33 years$4,835$3,338$2,250$1,488$969$183
34 years$4,642$3,163$2,102$1,369$877$156
35 years$4,460$3,000$1,966$1,260$794$133
36 years$4,288$2,848$1,839$1,161$720$113
37 years$4,126$2,705$1,721$1,069$652$96
38 years$3,973$2,570$1,612$986$591$82
39 years$3,829$2,444$1,510$909$536$70
40 years$3,691$2,325$1,415$838$486$59
41 years$3,561$2,214$1,327$773$441$51
42 years$3,437$2,108$1,245$714$400$43
43 years$3,320$2,009$1,168$659$363$37
44 years$3,208$1,915$1,097$608$330$31
45 years$3,101$1,826$1,030$562$299$27
46 years$3,000$1,742$967$519$272$23
47 years$2,903$1,662$909$479$247$19
48 years$2,810$1,587$854$443$224$16
49 years$2,721$1,515$802$409$204$14
50 years$2,636$1,447$754$378$185$12

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,700,000, adding $6,929 every year, while hoping to spend $54,820 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: 41/34/25 Blend
51$2,700,000$2,700,000$2,700,000$2,700,000
52$2,982,547$2,839,447$2,797,597$3,082,643
53$3,228,439$2,920,252$2,832,989$3,236,083
54$3,497,574$3,003,179$2,867,728$3,396,360
55$3,792,266$3,088,274$2,901,737$3,568,771
56$4,115,062$3,175,584$2,934,929$3,754,463
57$4,468,766$3,265,156$2,967,218$3,954,698
58$4,856,469$3,357,036$2,998,507$4,170,863
59$5,281,571$3,451,274$3,028,700$4,404,488
60$5,747,820$3,547,915$3,057,691$4,657,256
61$6,259,345$3,647,010$3,085,370$4,931,020
62$6,820,690$3,748,605$3,111,621$5,227,822
63$7,436,863$3,852,750$3,136,324$5,549,910
64$8,113,380$3,959,492$3,159,348$5,899,761
65$8,856,318$4,068,880$3,180,559$6,280,103
66$9,672,370$4,180,963$3,199,815$6,693,941
67$10,568,909$4,295,787$3,216,967$7,144,584
68$11,554,060$4,413,402$3,231,857$7,635,680
69$12,636,769$4,533,855$3,244,319$8,171,246
70$13,826,898$4,657,191$3,254,182$8,755,709
71$15,135,306$4,783,459$3,261,262$9,393,946
72$16,573,961$4,912,702$3,265,368$10,091,331
73$18,156,047$5,044,966$3,266,300$10,853,784
74$19,896,089$5,180,295$3,263,846$11,687,831
75$21,810,092$5,318,731$3,257,787$12,600,660
76$23,915,688$5,460,315$3,247,889$13,600,193
77$26,232,304$5,605,087$3,233,910$14,695,160
78$28,781,349$5,753,086$3,215,595$15,895,181
79$31,586,406$5,904,347$3,192,677$17,210,856
80$34,673,464$6,058,904$3,164,876$18,653,867
81$38,071,157$6,216,790$3,131,899$20,237,088
82$41,811,036$6,378,034$3,093,439$21,974,704
83$45,927,866$6,542,662$3,049,174$23,882,352
84$50,459,954$6,710,699$2,998,767$25,977,260
85$55,449,510$6,882,163$2,941,866$28,278,415
86$60,943,044$7,057,073$2,878,102$30,806,743
87$66,991,805$7,235,440$2,807,089$33,585,305
88$73,652,266$7,417,274$2,728,424$36,639,514
89$80,986,653$7,602,576$2,641,682$39,997,379
90$89,063,537$7,791,348$2,546,424$43,689,767
91$97,958,475$7,983,581$2,442,186$47,750,693
92$107,754,725$8,179,262$2,328,485$52,217,649
93$118,544,034$8,378,373$2,204,817$57,131,949
94$130,427,501$8,580,888$2,070,653$62,539,126
95$143,516,528$8,786,774$1,925,442$68,489,360
96$157,933,876$8,995,989$1,768,607$75,037,955
97$173,814,822$9,208,483$1,599,546$82,245,857
98$191,308,433$9,424,197$1,417,629$90,180,235
99$210,578,974$9,643,064$1,222,201$98,915,114
100$231,807,458$9,865,002$1,012,573$108,532,073