Can I retire at age 52 with 2,750,000?

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 $2,750,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.2%
1 years$227,092$225,070$223,096$221,170$219,289$212,015
2 years$112,422$110,328$108,299$106,332$104,423$97,165
3 years$74,204$72,101$70,077$68,128$66,250$59,237
4 years$55,098$53,002$50,998$49,082$47,250$40,534
5 years$43,638$41,554$39,576$37,700$35,919$29,518
6 years$36,000$33,932$31,984$30,149$28,421$22,342
7 years$30,547$28,496$26,579$24,787$23,114$17,354
8 years$26,458$24,426$22,541$20,793$19,175$13,731
9 years$23,280$21,268$19,414$17,711$16,149$11,014
10 years$20,740$18,746$16,926$15,267$13,759$8,925
11 years$18,662$16,689$14,901$13,287$11,834$7,291
12 years$16,932$14,979$13,224$11,655$10,255$5,994
13 years$15,469$13,537$11,815$10,289$8,942$4,953
14 years$14,216$12,304$10,616$9,134$7,839$4,109
15 years$13,132$11,240$9,585$8,146$6,902$3,420
16 years$12,184$10,313$8,690$7,293$6,100$2,855
17 years$11,348$9,498$7,908$6,553$5,409$2,388
18 years$10,606$8,776$7,219$5,906$4,809$2,001
19 years$9,943$8,134$6,608$5,336$4,286$1,680
20 years$9,346$7,558$6,065$4,833$3,829$1,412
21 years$8,808$7,040$5,578$4,386$3,426$1,188
22 years$8,319$6,572$5,141$3,988$3,071$1,000
23 years$7,873$6,146$4,747$3,632$2,757$843
24 years$7,465$5,759$4,390$3,313$2,478$710
25 years$7,090$5,404$4,066$3,025$2,230$599
26 years$6,744$5,079$3,771$2,766$2,008$506
27 years$6,425$4,780$3,502$2,532$1,811$427
28 years$6,129$4,504$3,256$2,320$1,634$361
29 years$5,854$4,249$3,030$2,127$1,475$305
30 years$5,598$4,013$2,822$1,952$1,333$258
31 years$5,359$3,794$2,631$1,793$1,205$218
32 years$5,135$3,590$2,455$1,648$1,090$184
33 years$4,925$3,399$2,292$1,515$987$156
34 years$4,728$3,222$2,141$1,394$893$131
35 years$4,542$3,056$2,002$1,284$809$111
36 years$4,368$2,900$1,873$1,182$733$94
37 years$4,203$2,755$1,753$1,089$664$80
38 years$4,047$2,618$1,642$1,004$602$67
39 years$3,899$2,489$1,538$926$546$57
40 years$3,760$2,369$1,442$854$495$48
41 years$3,627$2,255$1,352$788$449$41
42 years$3,501$2,147$1,268$727$408$34
43 years$3,381$2,046$1,190$671$370$29
44 years$3,267$1,950$1,117$620$336$25
45 years$3,159$1,860$1,049$572$305$21
46 years$3,055$1,774$985$529$277$18
47 years$2,956$1,693$925$488$251$15
48 years$2,862$1,616$870$451$228$13
49 years$2,771$1,543$817$417$207$11
50 years$2,685$1,474$768$385$188$9

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,750,000, adding $4,759 every year, while hoping to spend $53,295 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: 61/26/13 Blend
51$2,750,000$2,750,000$2,750,000$2,750,000
52$3,035,409$2,889,659$2,847,034$3,210,712
53$3,288,315$2,974,547$2,885,704$3,413,955
54$3,565,232$3,061,808$2,923,883$3,629,175
55$3,868,551$3,151,502$2,961,499$3,862,736
56$4,200,909$3,243,691$2,998,475$4,116,415
57$4,565,206$3,338,437$3,034,729$4,392,171
58$4,964,640$3,435,803$3,070,175$4,692,157
59$5,402,730$3,535,854$3,104,723$5,018,745
60$5,883,354$3,638,657$3,138,276$5,374,547
61$6,410,782$3,744,277$3,170,735$5,762,438
62$6,989,719$3,852,783$3,201,991$6,185,586
63$7,625,345$3,964,245$3,231,933$6,647,477
64$8,323,370$4,078,733$3,260,443$7,151,953
65$9,090,082$4,196,318$3,287,395$7,703,242
66$9,932,406$4,317,073$3,312,658$8,306,003
67$10,857,973$4,441,072$3,336,095$8,965,369
68$11,875,192$4,568,390$3,357,559$9,686,991
69$12,993,322$4,699,102$3,376,898$10,477,094
70$14,222,568$4,833,285$3,393,951$11,342,539
71$15,574,170$4,971,016$3,408,549$12,290,879
72$17,060,515$5,112,375$3,420,514$13,330,439
73$18,695,246$5,257,440$3,429,660$14,470,388
74$20,493,399$5,406,293$3,435,792$15,720,827
75$22,471,537$5,559,012$3,438,702$17,092,887
76$24,647,912$5,715,682$3,438,176$18,598,829
77$27,042,631$5,876,382$3,433,988$20,252,163
78$29,677,852$6,041,198$3,425,899$22,067,774
79$32,577,986$6,210,210$3,413,660$24,062,062
80$35,769,934$6,383,503$3,397,011$26,253,098
81$39,283,334$6,561,161$3,375,677$28,660,791
82$43,150,843$6,743,268$3,349,372$31,307,079
83$47,408,448$6,929,907$3,317,795$34,216,136
84$52,095,800$7,121,162$3,280,631$37,414,596
85$57,256,589$7,317,117$3,237,550$40,931,810
86$62,938,960$7,517,855$3,188,207$44,800,115
87$69,195,962$7,723,458$3,132,240$49,055,148
88$76,086,052$7,934,009$3,069,271$53,736,176
89$83,673,641$8,149,587$2,998,904$58,886,468
90$92,029,709$8,370,274$2,920,724$64,553,703
91$101,232,469$8,596,147$2,834,298$70,790,421
92$111,368,106$8,827,283$2,739,171$77,654,519
93$122,531,591$9,063,757$2,634,871$85,209,794
94$134,827,574$9,305,643$2,520,901$93,526,549
95$148,371,378$9,553,011$2,396,743$102,682,256
96$163,290,079$9,805,928$2,261,853$112,762,284
97$179,723,709$10,064,461$2,115,667$123,860,708
98$197,826,577$10,328,669$1,957,592$136,081,194
99$217,768,726$10,598,612$1,787,010$149,537,984
100$239,737,535$10,874,344$1,603,274$164,356,964