Can I retire at age 52 with 2,720,000?

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 $2,720,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16%
1 years$224,615$222,614$220,662$218,757$216,897$211,567
2 years$111,196$109,125$107,118$105,172$103,284$97,948
3 years$73,394$71,314$69,312$67,384$65,528$60,351
4 years$54,497$52,423$50,442$48,547$46,735$41,758
5 years$43,162$41,101$39,145$37,289$35,527$30,764
6 years$35,607$33,562$31,635$29,820$28,111$23,566
7 years$30,213$28,185$26,289$24,517$22,862$18,536
8 years$26,170$24,160$22,295$20,566$18,966$14,857
9 years$23,027$21,035$19,203$17,518$15,972$12,077
10 years$20,513$18,542$16,741$15,101$13,609$9,923
11 years$18,458$16,507$14,739$13,142$11,704$8,222
12 years$16,747$14,815$13,080$11,527$10,143$6,858
13 years$15,300$13,389$11,686$10,177$8,845$5,751
14 years$14,061$12,170$10,500$9,034$7,753$4,844
15 years$12,988$11,118$9,480$8,057$6,827$4,095
16 years$12,051$10,200$8,595$7,214$6,033$3,473
17 years$11,224$9,394$7,821$6,482$5,350$2,952
18 years$10,490$8,680$7,140$5,841$4,757$2,514
19 years$9,834$8,045$6,536$5,278$4,240$2,146
20 years$9,244$7,476$5,999$4,780$3,787$1,834
21 years$8,712$6,963$5,518$4,338$3,389$1,569
22 years$8,228$6,500$5,085$3,945$3,038$1,344
23 years$7,787$6,079$4,695$3,592$2,727$1,152
24 years$7,383$5,696$4,342$3,277$2,451$989
25 years$7,013$5,345$4,022$2,992$2,205$849
26 years$6,671$5,024$3,730$2,736$1,987$729
27 years$6,355$4,728$3,464$2,504$1,791$627
28 years$6,062$4,455$3,220$2,295$1,616$539
29 years$5,790$4,203$2,997$2,104$1,459$464
30 years$5,537$3,969$2,791$1,931$1,319$399
31 years$5,300$3,752$2,602$1,774$1,192$343
32 years$5,079$3,550$2,428$1,630$1,078$296
33 years$4,871$3,362$2,267$1,499$976$255
34 years$4,676$3,187$2,118$1,379$884$219
35 years$4,493$3,023$1,980$1,270$800$189
36 years$4,320$2,869$1,852$1,169$725$163
37 years$4,157$2,725$1,734$1,077$657$140
38 years$4,003$2,589$1,624$993$596$121
39 years$3,857$2,462$1,521$916$540$104
40 years$3,719$2,343$1,426$844$490$90
41 years$3,588$2,230$1,337$779$445$77
42 years$3,463$2,124$1,254$719$403$67
43 years$3,345$2,024$1,177$664$366$57
44 years$3,232$1,929$1,105$613$332$49
45 years$3,124$1,839$1,037$566$302$43
46 years$3,022$1,755$974$523$274$37
47 years$2,924$1,674$915$483$249$32
48 years$2,831$1,599$860$446$226$27
49 years$2,741$1,526$808$412$205$24
50 years$2,656$1,458$760$381$186$20

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,720,000, adding $2,296 every year, while hoping to spend $52,328 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: 51/32/17 Blend
51$2,720,000$2,720,000$2,720,000$2,720,000
52$2,999,808$2,855,648$2,813,488$3,138,678
53$3,250,112$2,939,899$2,852,064$3,318,673
54$3,524,193$3,026,523$2,890,177$3,508,615
55$3,824,421$3,115,583$2,927,759$3,713,981
56$4,153,407$3,207,141$2,964,733$3,936,245
57$4,514,024$3,301,261$3,001,021$4,177,030
58$4,909,439$3,398,007$3,036,540$4,438,123
59$5,343,138$3,497,446$3,071,200$4,721,490
60$5,818,962$3,599,644$3,104,909$5,029,296
61$6,341,140$3,704,671$3,137,568$5,363,924
62$6,914,334$3,812,597$3,169,074$5,727,999
63$7,543,674$3,923,493$3,199,316$6,124,410
64$8,234,816$4,037,431$3,228,180$6,556,339
65$8,993,987$4,154,485$3,255,544$7,027,290
66$9,828,049$4,274,731$3,281,281$7,541,122
67$10,744,561$4,398,243$3,305,254$8,102,085
68$11,751,850$4,525,100$3,327,324$8,714,861
69$12,859,089$4,655,381$3,347,340$9,384,606
70$14,076,386$4,789,165$3,365,146$10,117,000
71$15,414,877$4,926,533$3,380,577$10,918,299
72$16,886,828$5,067,566$3,393,460$11,795,396
73$18,505,756$5,212,349$3,403,613$12,755,883
74$20,286,554$5,360,965$3,410,845$13,808,124
75$22,245,630$5,513,500$3,414,955$14,961,336
76$24,401,062$5,670,039$3,415,734$16,225,670
77$26,772,768$5,830,669$3,412,959$17,612,312
78$29,382,697$5,995,478$3,406,400$19,133,586
79$32,255,030$6,164,555$3,395,812$20,803,069
80$35,416,413$6,337,988$3,380,942$22,635,724
81$38,896,206$6,515,868$3,361,522$24,648,033
82$42,726,757$6,698,284$3,337,272$26,858,159
83$46,943,714$6,885,327$3,307,898$29,286,116
84$51,586,354$7,077,089$3,273,093$31,953,954
85$56,697,956$7,273,660$3,232,536$34,885,972
86$62,326,210$7,475,132$3,185,888$38,108,945
87$68,523,665$7,681,595$3,132,797$41,652,374
88$75,348,226$7,893,141$3,072,893$45,548,771
89$82,863,700$8,109,859$3,005,789$49,833,957
90$91,140,395$8,331,840$2,931,081$54,547,407
91$100,255,788$8,559,174$2,848,346$59,732,621
92$110,295,253$8,791,947$2,757,139$65,437,532
93$121,352,863$9,030,247$2,656,998$71,714,960
94$133,532,287$9,274,161$2,547,439$78,623,112
95$146,947,756$9,523,771$2,427,954$86,226,130
96$161,725,151$9,779,160$2,298,015$94,594,694
97$178,003,186$10,040,408$2,157,067$103,806,696
98$195,934,715$10,307,592$2,004,533$113,947,966
99$215,688,179$10,580,787$1,839,809$125,113,093
100$237,449,193$10,860,065$1,662,261$137,406,308