Can I retire at age 52 with 2,710,000?

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 $2,710,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.7%
1 years$223,789$221,796$219,851$217,953$216,099$212,782
2 years$110,787$108,723$106,724$104,785$102,904$99,570
3 years$73,124$71,052$69,057$67,137$65,287$62,040
4 years$54,297$52,231$50,256$48,368$46,563$43,428
5 years$43,003$40,950$39,001$37,151$35,397$32,382
6 years$35,476$33,438$31,518$29,710$28,008$25,119
7 years$30,102$28,081$26,192$24,426$22,778$20,014
8 years$26,074$24,071$22,213$20,491$18,897$16,258
9 years$22,942$20,958$19,132$17,454$15,914$13,398
10 years$20,438$18,474$16,680$15,045$13,559$11,166
11 years$18,391$16,446$14,684$13,094$11,661$9,387
12 years$16,686$14,761$13,032$11,485$10,106$7,948
13 years$15,244$13,340$11,643$10,140$8,812$6,768
14 years$14,010$12,125$10,462$9,001$7,725$5,790
15 years$12,941$11,077$9,445$8,027$6,801$4,973
16 years$12,006$10,163$8,564$7,187$6,011$4,286
17 years$11,183$9,359$7,793$6,458$5,330$3,704
18 years$10,451$8,649$7,114$5,820$4,739$3,209
19 years$9,798$8,015$6,512$5,259$4,224$2,785
20 years$9,210$7,448$5,977$4,763$3,773$2,422
21 years$8,680$6,938$5,497$4,322$3,376$2,109
22 years$8,198$6,476$5,067$3,930$3,026$1,839
23 years$7,758$6,057$4,678$3,579$2,717$1,605
24 years$7,356$5,675$4,326$3,264$2,442$1,402
25 years$6,987$5,326$4,007$2,981$2,197$1,226
26 years$6,646$5,005$3,716$2,726$1,979$1,073
27 years$6,332$4,711$3,451$2,495$1,784$940
28 years$6,040$4,439$3,208$2,286$1,610$823
29 years$5,769$4,187$2,985$2,096$1,454$721
30 years$5,516$3,955$2,781$1,924$1,314$633
31 years$5,281$3,738$2,593$1,767$1,188$555
32 years$5,060$3,537$2,419$1,624$1,074$487
33 years$4,853$3,350$2,259$1,493$972$427
34 years$4,659$3,175$2,110$1,374$880$375
35 years$4,476$3,011$1,973$1,265$797$330
36 years$4,304$2,858$1,846$1,165$722$289
37 years$4,142$2,715$1,727$1,073$655$254
38 years$3,988$2,580$1,618$989$594$223
39 years$3,843$2,453$1,516$912$538$196
40 years$3,705$2,334$1,421$841$488$173
41 years$3,574$2,222$1,332$776$443$152
42 years$3,450$2,116$1,250$716$402$133
43 years$3,332$2,016$1,172$661$365$117
44 years$3,220$1,922$1,101$611$331$103
45 years$3,113$1,833$1,033$564$301$91
46 years$3,011$1,748$971$521$273$80
47 years$2,913$1,668$912$481$248$70
48 years$2,820$1,593$857$445$225$62
49 years$2,731$1,521$805$411$204$54
50 years$2,646$1,453$757$380$186$48

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,710,000, adding $3,180 every year, while hoping to spend $29,847 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: 60/28/12 Blend
51$2,710,000$2,710,000$2,710,000$2,710,000
52$2,989,700$2,846,070$2,804,065$3,160,239
53$3,262,893$2,953,771$2,866,244$3,382,985
54$3,562,950$3,065,748$2,929,506$3,622,198
55$3,892,582$3,182,181$2,993,856$3,882,411
56$4,254,772$3,303,254$3,059,296$4,165,652
57$4,652,807$3,429,162$3,125,831$4,474,153
58$5,090,310$3,560,107$3,193,463$4,810,368
59$5,571,269$3,696,300$3,262,192$5,176,997
60$6,100,082$3,837,962$3,332,018$5,577,012
61$6,681,590$3,985,322$3,402,941$6,013,682
62$7,321,130$4,138,621$3,474,957$6,490,605
63$8,024,581$4,298,109$3,548,064$7,011,743
64$8,798,420$4,464,048$3,622,256$7,581,454
65$9,649,784$4,636,711$3,697,526$8,204,536
66$10,586,535$4,816,383$3,773,866$8,886,271
67$11,617,337$5,003,362$3,851,267$9,632,475
68$12,751,738$5,197,958$3,929,716$10,449,548
69$14,000,254$5,400,497$4,009,200$11,344,540
70$15,374,475$5,611,317$4,089,704$12,325,212
71$16,887,173$5,830,773$4,171,210$13,400,108
72$18,552,417$6,059,233$4,253,699$14,578,639
73$20,385,713$6,297,085$4,337,147$15,871,168
74$22,404,145$6,544,732$4,421,531$17,289,106
75$24,626,539$6,802,594$4,506,823$18,845,021
76$27,073,637$7,071,113$4,592,993$20,552,755
77$29,768,299$7,350,748$4,680,008$22,427,552
78$32,735,709$7,641,979$4,767,833$24,486,203
79$36,003,624$7,945,308$4,856,428$26,747,201
80$39,602,625$8,261,259$4,945,750$29,230,917
81$43,566,414$8,590,382$5,035,753$31,959,788
82$47,932,125$8,933,247$5,126,387$34,958,531
83$52,740,679$9,290,454$5,217,599$38,254,372
84$58,037,170$9,662,628$5,309,330$41,877,303
85$63,871,286$10,050,421$5,401,517$45,860,363
86$70,297,783$10,454,518$5,494,094$50,239,949
87$77,376,999$10,875,632$5,586,989$55,056,157
88$85,175,424$11,314,509$5,680,124$60,353,159
89$93,766,326$11,771,928$5,773,417$66,179,621
90$103,230,445$12,248,707$5,866,780$72,589,156
91$113,656,753$12,745,696$5,960,119$79,640,831
92$125,143,293$13,263,786$6,053,335$87,399,723
93$137,798,108$13,803,910$6,146,320$95,937,528
94$151,740,255$14,367,042$6,238,962$105,333,241
95$167,100,933$14,954,199$6,331,139$115,673,894
96$184,024,720$15,566,446$6,422,724$127,055,380
97$202,670,937$16,204,898$6,513,581$139,583,353
98$223,215,153$16,870,719$6,603,566$153,374,222
99$245,850,840$17,565,125$6,692,527$168,556,252
100$270,791,201$18,289,392$6,780,302$185,270,764