Can I retire at age 52 with 2,730,000?

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 $2,730,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.2%
1 years$225,441$223,433$221,474$219,561$217,694$212,173
2 years$111,604$109,526$107,511$105,558$103,664$98,137
3 years$73,664$71,576$69,567$67,632$65,769$60,410
4 years$54,697$52,616$50,627$48,725$46,907$41,756
5 years$43,320$41,252$39,289$37,426$35,658$30,730
6 years$35,738$33,685$31,751$29,930$28,215$23,515
7 years$30,324$28,289$26,385$24,607$22,946$18,475
8 years$26,266$24,249$22,377$20,642$19,036$14,791
9 years$23,111$21,113$19,273$17,582$16,031$12,008
10 years$20,589$18,610$16,803$15,156$13,659$9,854
11 years$18,526$16,567$14,793$13,190$11,747$8,154
12 years$16,809$14,870$13,128$11,570$10,180$6,793
13 years$15,357$13,438$11,729$10,214$8,877$5,689
14 years$14,113$12,215$10,539$9,067$7,782$4,786
15 years$13,036$11,158$9,515$8,086$6,852$4,040
16 years$12,095$10,238$8,627$7,240$6,056$3,421
17 years$11,265$9,429$7,850$6,505$5,369$2,903
18 years$10,529$8,712$7,166$5,863$4,774$2,470
19 years$9,870$8,075$6,560$5,297$4,255$2,104
20 years$9,278$7,503$6,021$4,798$3,801$1,796
21 years$8,744$6,989$5,538$4,354$3,401$1,534
22 years$8,258$6,524$5,104$3,959$3,049$1,312
23 years$7,816$6,102$4,713$3,606$2,737$1,123
24 years$7,410$5,717$4,358$3,289$2,460$962
25 years$7,038$5,365$4,037$3,003$2,214$825
26 years$6,695$5,042$3,744$2,746$1,994$707
27 years$6,378$4,745$3,477$2,514$1,798$607
28 years$6,085$4,472$3,232$2,303$1,622$521
29 years$5,811$4,218$3,008$2,112$1,465$448
30 years$5,557$3,984$2,801$1,938$1,323$384
31 years$5,320$3,766$2,612$1,780$1,196$330
32 years$5,097$3,563$2,437$1,636$1,082$284
33 years$4,889$3,375$2,275$1,504$979$244
34 years$4,693$3,198$2,126$1,384$887$210
35 years$4,509$3,034$1,987$1,274$803$180
36 years$4,336$2,879$1,859$1,173$728$155
37 years$4,172$2,735$1,740$1,081$660$133
38 years$4,017$2,599$1,630$997$598$115
39 years$3,871$2,471$1,527$919$542$99
40 years$3,732$2,351$1,431$848$492$85
41 years$3,601$2,238$1,342$782$446$73
42 years$3,476$2,132$1,259$722$405$63
43 years$3,357$2,031$1,181$666$367$54
44 years$3,244$1,936$1,109$615$334$47
45 years$3,136$1,846$1,041$568$303$40
46 years$3,033$1,761$978$525$275$34
47 years$2,935$1,681$919$485$250$30
48 years$2,841$1,604$863$448$227$26
49 years$2,751$1,532$811$414$206$22
50 years$2,665$1,464$763$383$187$19

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,730,000, adding $2,787 every year, while hoping to spend $46,827 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: 24/49/27 Blend
51$2,730,000$2,730,000$2,730,000$2,730,000
52$3,011,335$2,866,645$2,824,330$3,057,872
53$3,268,667$2,957,287$2,869,121$3,188,053
54$3,550,678$3,050,801$2,913,844$3,323,276
55$3,859,836$3,147,278$2,958,446$3,467,171
56$4,198,857$3,246,813$3,002,872$3,620,491
57$4,570,736$3,349,503$3,047,064$3,784,059
58$4,978,771$3,455,447$3,090,960$3,958,784
59$5,426,592$3,564,751$3,134,493$4,145,660
60$5,918,200$3,677,519$3,177,594$4,345,781
61$6,458,002$3,793,864$3,220,190$4,560,348
62$7,050,853$3,913,897$3,262,201$4,790,682
63$7,702,099$4,037,738$3,303,544$5,038,235
64$8,417,633$4,165,507$3,344,132$5,304,603
65$9,203,944$4,297,329$3,383,873$5,591,541
66$10,068,181$4,433,333$3,422,668$5,900,979
67$11,018,222$4,573,653$3,460,413$6,235,039
68$12,062,744$4,718,425$3,497,001$6,596,057
69$13,211,308$4,867,792$3,532,315$6,986,604
70$14,474,448$5,021,901$3,566,234$7,409,506
71$15,863,770$5,180,901$3,598,630$7,867,874
72$17,392,059$5,344,950$3,629,369$8,365,134
73$19,073,404$5,514,208$3,658,308$8,905,055
74$20,923,329$5,688,842$3,685,299$9,491,786
75$22,958,935$5,869,022$3,710,183$10,129,895
76$25,199,069$6,054,926$3,732,796$10,824,410
77$27,664,493$6,246,737$3,752,964$11,580,870
78$30,378,087$6,444,642$3,770,504$12,405,371
79$33,365,059$6,648,837$3,785,223$13,304,628
80$36,653,187$6,859,522$3,796,921$14,286,032
81$40,273,079$7,076,905$3,805,384$15,357,729
82$44,258,459$7,301,200$3,810,391$16,528,684
83$48,646,491$7,532,627$3,811,707$17,808,776
84$53,478,122$7,771,415$3,809,088$19,208,883
85$58,798,474$8,017,799$3,802,277$20,740,989
86$64,657,269$8,272,021$3,791,004$22,418,294
87$71,109,293$8,534,333$3,774,985$24,255,337
88$78,214,919$8,804,993$3,753,924$26,268,137
89$86,040,671$9,084,268$3,727,512$28,474,340
90$94,659,857$9,372,434$3,695,421$30,893,383
91$104,153,255$9,669,777$3,657,310$33,546,684
92$114,609,880$9,976,589$3,612,823$36,457,836
93$126,127,820$10,293,174$3,561,585$39,652,834
94$138,815,163$10,619,845$3,503,204$43,160,316
95$152,791,018$10,956,926$3,437,269$47,011,836
96$168,186,637$11,304,750$3,363,352$51,242,161
97$185,146,653$11,663,662$3,281,004$55,889,594
98$203,830,448$12,034,017$3,189,754$60,996,341
99$224,413,653$12,416,184$3,089,110$66,608,905
100$247,089,808$12,810,540$2,978,558$72,778,524