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

Use the below retirement simulation to view the chances of a successful retirement.
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%17.1%
1 years$225,441$223,433$221,474$219,561$217,694$211,403
2 years$111,604$109,526$107,511$105,558$103,664$97,376
3 years$73,664$71,576$69,567$67,632$65,769$59,681
4 years$54,697$52,616$50,627$48,725$46,907$41,065
5 years$43,320$41,252$39,289$37,426$35,658$30,079
6 years$35,738$33,685$31,751$29,930$28,215$22,904
7 years$30,324$28,289$26,385$24,607$22,946$17,903
8 years$26,266$24,249$22,377$20,642$19,036$14,257
9 years$23,111$21,113$19,273$17,582$16,031$11,512
10 years$20,589$18,610$16,803$15,156$13,659$9,394
11 years$18,526$16,567$14,793$13,190$11,747$7,729
12 years$16,809$14,870$13,128$11,570$10,180$6,401
13 years$15,357$13,438$11,729$10,214$8,877$5,328
14 years$14,113$12,215$10,539$9,067$7,782$4,454
15 years$13,036$11,158$9,515$8,086$6,852$3,737
16 years$12,095$10,238$8,627$7,240$6,056$3,143
17 years$11,265$9,429$7,850$6,505$5,369$2,651
18 years$10,529$8,712$7,166$5,863$4,774$2,240
19 years$9,870$8,075$6,560$5,297$4,255$1,895
20 years$9,278$7,503$6,021$4,798$3,801$1,606
21 years$8,744$6,989$5,538$4,354$3,401$1,363
22 years$8,258$6,524$5,104$3,959$3,049$1,158
23 years$7,816$6,102$4,713$3,606$2,737$984
24 years$7,410$5,717$4,358$3,289$2,460$837
25 years$7,038$5,365$4,037$3,003$2,214$712
26 years$6,695$5,042$3,744$2,746$1,994$607
27 years$6,378$4,745$3,477$2,514$1,798$517
28 years$6,085$4,472$3,232$2,303$1,622$440
29 years$5,811$4,218$3,008$2,112$1,465$375
30 years$5,557$3,984$2,801$1,938$1,323$320
31 years$5,320$3,766$2,612$1,780$1,196$273
32 years$5,097$3,563$2,437$1,636$1,082$233
33 years$4,889$3,375$2,275$1,504$979$199
34 years$4,693$3,198$2,126$1,384$887$170
35 years$4,509$3,034$1,987$1,274$803$145
36 years$4,336$2,879$1,859$1,173$728$123
37 years$4,172$2,735$1,740$1,081$660$105
38 years$4,017$2,599$1,630$997$598$90
39 years$3,871$2,471$1,527$919$542$77
40 years$3,732$2,351$1,431$848$492$66
41 years$3,601$2,238$1,342$782$446$56
42 years$3,476$2,132$1,259$722$405$48
43 years$3,357$2,031$1,181$666$367$41
44 years$3,244$1,936$1,109$615$334$35
45 years$3,136$1,846$1,041$568$303$30
46 years$3,033$1,761$978$525$275$25
47 years$2,935$1,681$919$485$250$22
48 years$2,841$1,604$863$448$227$19
49 years$2,751$1,532$811$414$206$16
50 years$2,665$1,464$763$383$187$14

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 $3,966 every year, while hoping to spend $49,499 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: 46/37/17 Blend
51$2,730,000$2,730,000$2,730,000$2,730,000
52$3,012,551$2,867,861$2,825,546$3,136,370
53$3,267,165$2,955,720$2,867,535$3,310,932
54$3,546,090$3,046,224$2,909,272$3,494,903
55$3,851,754$3,139,452$2,950,696$3,693,434
56$4,186,831$3,235,484$2,991,742$3,907,900
57$4,554,265$3,334,400$3,032,343$4,139,814
58$4,957,299$3,436,284$3,072,425$4,390,840
59$5,399,506$3,541,224$3,111,914$4,662,808
60$5,884,819$3,649,308$3,150,726$4,957,734
61$6,417,573$3,760,626$3,188,778$5,277,835
62$7,002,541$3,875,273$3,225,978$5,625,552
63$7,644,984$3,993,344$3,262,231$6,003,570
64$8,350,693$4,114,939$3,297,437$6,414,848
65$9,126,051$4,240,158$3,331,488$6,862,642
66$9,978,088$4,369,106$3,364,274$7,350,536
67$10,914,551$4,501,890$3,395,674$7,882,477
68$11,943,971$4,638,619$3,425,566$8,462,813
69$13,075,751$4,779,406$3,453,817$9,096,329
70$14,320,247$4,924,367$3,480,290$9,788,296
71$15,688,872$5,073,620$3,504,838$10,544,521
72$17,194,196$5,227,287$3,527,310$11,371,396
73$18,850,074$5,385,493$3,547,544$12,275,965
74$20,671,765$5,548,367$3,565,371$13,265,983
75$22,676,088$5,716,039$3,580,613$14,349,996
76$24,881,569$5,888,645$3,593,084$15,537,415
77$27,308,623$6,066,323$3,602,587$16,838,609
78$29,979,745$6,249,215$3,608,916$18,264,999
79$32,919,719$6,437,467$3,611,854$19,829,168
80$36,155,855$6,631,227$3,611,176$21,544,977
81$39,718,243$6,830,648$3,606,642$23,427,699
82$43,640,042$7,035,888$3,598,002$25,494,159
83$47,957,786$7,247,106$3,584,995$27,762,893
84$52,711,734$7,464,468$3,567,346$30,254,326
85$57,946,245$7,688,141$3,544,766$32,990,958
86$63,710,200$7,918,299$3,516,954$35,997,584
87$70,057,463$8,155,117$3,483,594$39,301,520
88$77,047,384$8,398,778$3,444,354$42,932,865
89$84,745,365$8,649,466$3,398,888$46,924,784
90$93,223,473$8,907,370$3,346,832$51,313,820
91$102,561,121$9,172,686$3,287,805$56,140,237
92$112,845,819$9,445,611$3,221,410$61,448,402
93$124,173,995$9,726,348$3,147,229$67,287,204
94$136,651,909$10,015,106$3,064,828$73,710,512
95$150,396,653$10,312,095$2,973,749$80,777,685
96$165,537,258$10,617,534$2,873,516$88,554,132
97$182,215,909$10,931,645$2,763,630$97,111,928
98$200,589,290$11,254,653$2,643,569$106,530,496
99$220,830,056$11,586,790$2,512,788$116,897,354
100$243,128,472$11,928,292$2,370,716$128,308,942