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%14.6%
1 years$225,441$223,433$221,474$219,561$217,694$213,561
2 years$111,604$109,526$107,511$105,558$103,664$99,516
3 years$73,664$71,576$69,567$67,632$65,769$61,735
4 years$54,697$52,616$50,627$48,725$46,907$43,019
5 years$43,320$41,252$39,289$37,426$35,658$31,926
6 years$35,738$33,685$31,751$29,930$28,215$24,644
7 years$30,324$28,289$26,385$24,607$22,946$19,537
8 years$26,266$24,249$22,377$20,642$19,036$15,788
9 years$23,111$21,113$19,273$17,582$16,031$12,942
10 years$20,589$18,610$16,803$15,156$13,659$10,726
11 years$18,526$16,567$14,793$13,190$11,747$8,966
12 years$16,809$14,870$13,128$11,570$10,180$7,547
13 years$15,357$13,438$11,729$10,214$8,877$6,389
14 years$14,113$12,215$10,539$9,067$7,782$5,433
15 years$13,036$11,158$9,515$8,086$6,852$4,638
16 years$12,095$10,238$8,627$7,240$6,056$3,972
17 years$11,265$9,429$7,850$6,505$5,369$3,410
18 years$10,529$8,712$7,166$5,863$4,774$2,935
19 years$9,870$8,075$6,560$5,297$4,255$2,531
20 years$9,278$7,503$6,021$4,798$3,801$2,186
21 years$8,744$6,989$5,538$4,354$3,401$1,890
22 years$8,258$6,524$5,104$3,959$3,049$1,637
23 years$7,816$6,102$4,713$3,606$2,737$1,419
24 years$7,410$5,717$4,358$3,289$2,460$1,231
25 years$7,038$5,365$4,037$3,003$2,214$1,069
26 years$6,695$5,042$3,744$2,746$1,994$929
27 years$6,378$4,745$3,477$2,514$1,798$807
28 years$6,085$4,472$3,232$2,303$1,622$702
29 years$5,811$4,218$3,008$2,112$1,465$611
30 years$5,557$3,984$2,801$1,938$1,323$532
31 years$5,320$3,766$2,612$1,780$1,196$463
32 years$5,097$3,563$2,437$1,636$1,082$403
33 years$4,889$3,375$2,275$1,504$979$351
34 years$4,693$3,198$2,126$1,384$887$306
35 years$4,509$3,034$1,987$1,274$803$267
36 years$4,336$2,879$1,859$1,173$728$233
37 years$4,172$2,735$1,740$1,081$660$203
38 years$4,017$2,599$1,630$997$598$177
39 years$3,871$2,471$1,527$919$542$154
40 years$3,732$2,351$1,431$848$492$134
41 years$3,601$2,238$1,342$782$446$117
42 years$3,476$2,132$1,259$722$405$102
43 years$3,357$2,031$1,181$666$367$89
44 years$3,244$1,936$1,109$615$334$78
45 years$3,136$1,846$1,041$568$303$68
46 years$3,033$1,761$978$525$275$59
47 years$2,935$1,681$919$485$250$52
48 years$2,841$1,604$863$448$227$45
49 years$2,751$1,532$811$414$206$39
50 years$2,665$1,464$763$383$187$34

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 $2,646 every year, while hoping to spend $35,246 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: 40/49/11 Blend
51$2,730,000$2,730,000$2,730,000$2,730,000
52$3,011,189$2,866,499$2,824,184$3,121,622
53$3,280,829$2,969,456$2,881,293$3,302,648
54$3,576,791$3,076,277$2,939,134$3,494,672
55$3,901,722$3,187,113$2,997,693$3,701,613
56$4,258,540$3,302,124$3,056,958$3,924,838
57$4,650,456$3,421,473$3,116,911$4,165,847
58$5,081,011$3,545,333$3,177,536$4,426,284
59$5,554,103$3,673,883$3,238,812$4,707,959
60$6,074,027$3,807,309$3,300,718$5,012,860
61$6,645,515$3,945,805$3,363,230$5,343,167
62$7,273,782$4,089,574$3,426,322$5,701,282
63$7,964,570$4,238,825$3,489,966$6,089,841
64$8,724,208$4,393,779$3,554,132$6,511,742
65$9,559,667$4,554,664$3,618,785$6,970,173
66$10,478,629$4,721,719$3,683,890$7,468,638
67$11,489,557$4,895,191$3,749,409$8,010,991
68$12,601,777$5,075,340$3,815,298$8,601,471
69$13,825,562$5,262,435$3,881,514$9,244,741
70$15,172,232$5,456,758$3,948,008$9,945,929
71$16,654,262$5,658,601$4,014,728$10,710,679
72$18,285,394$5,868,270$4,081,619$11,545,200
73$20,080,772$6,086,083$4,148,621$12,456,324
74$22,057,082$6,312,372$4,215,671$13,451,569
75$24,232,710$6,547,484$4,282,702$14,539,211
76$26,627,914$6,791,779$4,349,641$15,728,358
77$29,265,019$7,045,634$4,416,412$17,029,034
78$32,168,622$7,309,441$4,482,932$18,452,274
79$35,365,828$7,583,609$4,549,117$20,010,227
80$38,886,502$7,868,566$4,614,872$21,716,268
81$42,763,557$8,164,757$4,680,101$23,585,121
82$47,033,255$8,472,646$4,744,701$25,632,999
83$51,735,559$8,792,718$4,808,560$27,877,754
84$56,914,503$9,125,478$4,871,564$30,339,042
85$62,618,610$9,471,454$4,933,588$33,038,510
86$68,901,348$9,831,195$4,994,504$35,999,995
87$75,821,639$10,205,277$5,054,173$39,249,749
88$83,444,408$10,594,297$5,112,450$42,816,684
89$91,841,202$10,998,882$5,169,181$46,732,641
90$101,090,861$11,419,684$5,224,205$51,032,689
91$111,280,264$11,857,383$5,277,351$55,755,457
92$122,505,147$12,312,691$5,328,438$60,943,489
93$134,871,008$12,786,350$5,377,278$66,643,649
94$148,494,103$13,279,133$5,423,669$72,907,559
95$163,502,541$13,791,850$5,467,401$79,792,080
96$180,037,493$14,325,343$5,508,252$87,359,850
97$198,254,528$14,880,496$5,545,989$95,679,870
98$218,325,077$15,458,227$5,580,366$104,828,152
99$240,438,052$16,059,497$5,611,126$114,888,434
100$264,801,631$16,685,310$5,637,996$125,952,966