Can I retire at age 52 with 2,740,000?

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 $2,740,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.6%
1 years$226,267$224,251$222,285$220,366$218,491$210,071
2 years$112,013$109,927$107,905$105,945$104,044$95,661
3 years$73,934$71,839$69,822$67,880$66,010$57,928
4 years$54,898$52,809$50,812$48,904$47,079$39,360
5 years$43,479$41,403$39,433$37,563$35,788$28,452
6 years$35,869$33,809$31,867$30,039$28,318$21,370
7 years$30,436$28,392$26,482$24,697$23,030$16,467
8 years$26,362$24,337$22,459$20,718$19,106$12,921
9 years$23,196$21,190$19,344$17,647$16,090$10,275
10 years$20,664$18,678$16,864$15,212$13,709$8,254
11 years$18,594$16,628$14,847$13,239$11,790$6,682
12 years$16,870$14,924$13,176$11,612$10,217$5,442
13 years$15,413$13,487$11,772$10,252$8,910$4,454
14 years$14,165$12,260$10,577$9,100$7,810$3,659
15 years$13,084$11,199$9,550$8,116$6,877$3,015
16 years$12,139$10,275$8,658$7,267$6,078$2,491
17 years$11,307$9,463$7,879$6,529$5,389$2,063
18 years$10,567$8,744$7,192$5,884$4,792$1,711
19 years$9,906$8,104$6,584$5,317$4,271$1,421
20 years$9,312$7,531$6,043$4,815$3,815$1,181
21 years$8,776$7,015$5,558$4,370$3,414$983
22 years$8,288$6,548$5,123$3,974$3,060$819
23 years$7,844$6,124$4,730$3,619$2,747$682
24 years$7,438$5,738$4,374$3,301$2,469$569
25 years$7,064$5,385$4,052$3,014$2,222$475
26 years$6,720$5,061$3,758$2,756$2,001$396
27 years$6,402$4,763$3,489$2,523$1,804$331
28 years$6,107$4,488$3,244$2,311$1,628$276
29 years$5,833$4,234$3,019$2,120$1,470$231
30 years$5,577$3,998$2,812$1,945$1,328$193
31 years$5,339$3,780$2,621$1,787$1,201$161
32 years$5,116$3,576$2,446$1,642$1,086$134
33 years$4,907$3,387$2,284$1,510$983$112
34 years$4,711$3,210$2,134$1,389$890$94
35 years$4,526$3,045$1,995$1,279$806$78
36 years$4,352$2,890$1,866$1,178$730$66
37 years$4,187$2,745$1,747$1,085$662$55
38 years$4,032$2,608$1,636$1,000$600$46
39 years$3,885$2,480$1,532$922$544$38
40 years$3,746$2,360$1,436$851$494$32
41 years$3,614$2,246$1,347$785$448$27
42 years$3,488$2,139$1,263$724$406$22
43 years$3,369$2,038$1,185$669$369$19
44 years$3,256$1,943$1,113$617$335$16
45 years$3,147$1,853$1,045$570$304$13
46 years$3,044$1,768$981$527$276$11
47 years$2,946$1,687$922$487$251$9
48 years$2,851$1,610$866$450$228$8
49 years$2,761$1,538$814$416$207$6
50 years$2,675$1,469$766$384$188$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,740,000, adding $5,306 every year, while hoping to spend $56,705 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: 77/5/18 Blend
51$2,740,000$2,740,000$2,740,000$2,740,000
52$3,024,953$2,879,733$2,837,263$3,245,176
53$3,273,165$2,960,506$2,871,978$3,472,214
54$3,544,793$3,043,337$2,905,955$3,713,532
55$3,842,168$3,128,266$2,939,110$3,976,659
56$4,167,852$3,215,334$2,971,353$4,263,756
57$4,524,670$3,304,583$3,002,591$4,577,205
58$4,915,733$3,396,054$3,032,724$4,919,627
59$5,344,464$3,489,787$3,061,647$5,293,913
60$5,814,637$3,585,824$3,089,249$5,703,245
61$6,330,406$3,684,205$3,115,415$6,151,129
62$6,896,348$3,784,972$3,140,022$6,641,428
63$7,517,503$3,888,163$3,162,941$7,178,398
64$8,199,425$3,993,820$3,184,036$7,766,727
65$8,948,230$4,101,980$3,203,164$8,411,582
66$9,770,655$4,212,683$3,220,176$9,118,653
67$10,674,123$4,325,966$3,234,913$9,894,213
68$11,666,811$4,441,866$3,247,211$10,745,171
69$12,757,728$4,560,419$3,256,894$11,679,140
70$13,956,795$4,681,659$3,263,779$12,704,508
71$15,274,948$4,805,620$3,267,676$13,830,521
72$16,724,232$4,932,334$3,268,381$15,067,362
73$18,317,916$5,061,831$3,265,685$16,426,255
74$20,070,622$5,194,140$3,259,364$17,919,568
75$21,998,459$5,329,286$3,249,186$19,560,926
76$24,119,175$5,467,294$3,234,907$21,365,348
77$26,452,325$5,608,186$3,216,271$23,349,380
78$29,019,457$5,751,982$3,193,010$25,531,257
79$31,844,309$5,898,696$3,164,844$27,931,072
80$34,953,039$6,048,343$3,131,477$30,570,966
81$38,374,469$6,200,932$3,092,601$33,475,339
82$42,140,356$6,356,469$3,047,894$36,671,080
83$46,285,692$6,514,955$2,997,018$40,187,818
84$50,849,033$6,676,388$2,939,618$44,058,204
85$55,872,864$6,840,761$2,875,325$48,318,219
86$61,403,998$7,008,060$2,803,751$53,007,514
87$67,494,019$7,178,269$2,724,490$58,169,783
88$74,199,768$7,351,362$2,637,119$63,853,179
89$81,583,875$7,527,310$2,541,194$70,110,762
90$89,715,357$7,706,075$2,436,250$77,001,008
91$98,670,263$7,887,612$2,321,804$84,588,356
92$108,532,393$8,071,868$2,197,348$92,943,817
93$119,394,090$8,258,783$2,062,352$102,145,646
94$131,357,109$8,448,285$1,916,262$112,280,080
95$144,533,577$8,640,294$1,758,501$123,442,154
96$159,047,054$8,834,721$1,588,462$135,736,593
97$175,033,694$9,031,462$1,405,516$149,278,810
98$192,643,532$9,230,405$1,209,002$164,195,986
99$212,041,900$9,431,423$998,231$180,628,278
100$233,410,986$9,634,375$772,485$198,730,141