Can I retire at age 52 with 2,760,000?

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 $2,760,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.4%
1 years$227,918$225,888$223,907$221,974$220,086$218,791
2 years$112,831$110,729$108,693$106,718$104,803$103,496
3 years$74,473$72,363$70,331$68,375$66,491$65,213
4 years$55,298$53,194$51,183$49,261$47,422$46,183
5 years$43,796$41,705$39,720$37,837$36,050$34,853
6 years$36,131$34,055$32,100$30,258$28,525$27,372
7 years$30,658$28,600$26,675$24,877$23,198$22,090
8 years$26,555$24,515$22,623$20,869$19,245$18,182
9 years$23,365$21,345$19,485$17,776$16,207$15,188
10 years$20,815$18,814$16,987$15,323$13,809$12,834
11 years$18,730$16,749$14,955$13,335$11,877$10,945
12 years$16,993$15,033$13,273$11,697$10,292$9,402
13 years$15,525$13,586$11,858$10,327$8,975$8,127
14 years$14,268$12,349$10,655$9,167$7,867$7,060
15 years$13,179$11,281$9,620$8,175$6,927$6,159
16 years$12,228$10,350$8,722$7,320$6,122$5,392
17 years$11,389$9,532$7,936$6,577$5,428$4,736
18 years$10,644$8,808$7,245$5,927$4,827$4,170
19 years$9,979$8,163$6,632$5,356$4,302$3,680
20 years$9,380$7,586$6,087$4,851$3,843$3,255
21 years$8,840$7,066$5,599$4,402$3,439$2,883
22 years$8,349$6,596$5,160$4,003$3,082$2,558
23 years$7,901$6,169$4,764$3,645$2,767$2,272
24 years$7,492$5,780$4,406$3,325$2,487$2,021
25 years$7,116$5,424$4,081$3,036$2,238$1,799
26 years$6,769$5,098$3,785$2,776$2,016$1,603
27 years$6,449$4,798$3,515$2,541$1,817$1,430
28 years$6,151$4,521$3,267$2,328$1,640$1,276
29 years$5,875$4,265$3,041$2,135$1,481$1,139
30 years$5,618$4,028$2,832$1,959$1,338$1,018
31 years$5,378$3,807$2,640$1,800$1,210$910
32 years$5,153$3,603$2,464$1,654$1,094$814
33 years$4,943$3,412$2,300$1,521$990$728
34 years$4,745$3,234$2,149$1,399$897$652
35 years$4,559$3,067$2,009$1,288$812$583
36 years$4,384$2,911$1,880$1,186$736$522
37 years$4,218$2,765$1,759$1,093$667$468
38 years$4,062$2,628$1,648$1,008$605$419
39 years$3,914$2,499$1,544$929$548$376
40 years$3,773$2,377$1,447$857$497$337
41 years$3,640$2,263$1,357$791$451$302
42 years$3,514$2,155$1,273$730$409$271
43 years$3,394$2,053$1,194$673$372$243
44 years$3,279$1,957$1,121$622$337$218
45 years$3,170$1,866$1,052$574$306$195
46 years$3,066$1,780$989$530$278$175
47 years$2,967$1,699$929$490$252$157
48 years$2,872$1,622$873$453$229$141
49 years$2,782$1,549$820$419$208$126
50 years$2,695$1,480$771$387$189$113

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,760,000, adding $4,627 every year, while hoping to spend $36,279 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: 40/36/24 Blend
51$2,760,000$2,760,000$2,760,000$2,760,000
52$3,046,293$2,900,013$2,857,233$3,146,357
53$3,318,414$3,003,513$2,914,349$3,322,445
54$3,617,076$3,110,868$2,972,164$3,509,058
55$3,944,947$3,222,230$3,030,660$3,710,231
56$4,304,967$3,337,755$3,089,823$3,927,315
57$4,700,375$3,457,606$3,149,633$4,161,796
58$5,134,737$3,581,953$3,210,071$4,415,304
59$5,611,985$3,710,974$3,271,113$4,689,633
60$6,136,448$3,844,852$3,332,735$4,986,756
61$6,712,895$3,983,779$3,394,911$5,308,841
62$7,346,581$4,127,955$3,457,612$5,658,272
63$8,043,296$4,277,588$3,520,805$6,037,673
64$8,809,418$4,432,896$3,584,458$6,449,929
65$9,651,974$4,594,103$3,648,532$6,898,212
66$10,578,706$4,761,445$3,712,989$7,386,016
67$11,598,146$4,935,167$3,777,786$7,917,183
68$12,719,691$5,115,525$3,842,876$8,495,940
69$13,953,698$5,302,784$3,908,211$9,126,941
70$15,311,576$5,497,221$3,973,737$9,815,307
71$16,805,898$5,699,126$4,039,398$10,566,675
72$18,450,515$5,908,799$4,105,134$11,387,249
73$20,260,692$6,126,555$4,170,880$12,283,862
74$22,253,246$6,352,719$4,236,567$13,264,032
75$24,446,708$6,587,633$4,302,124$14,336,038
76$26,861,497$6,831,653$4,367,470$15,508,998
77$29,520,114$7,085,148$4,432,524$16,792,947
78$32,447,350$7,348,504$4,497,198$18,198,938
79$35,670,524$7,622,125$4,561,399$19,739,143
80$39,219,739$7,906,431$4,625,027$21,426,965
81$43,128,164$8,201,857$4,687,977$23,277,165
82$47,432,351$8,508,863$4,750,138$25,305,999
83$52,172,576$8,827,922$4,811,393$27,531,372
84$57,393,221$9,159,532$4,871,617$29,973,005
85$63,143,191$9,504,211$4,930,678$32,652,617
86$69,476,378$9,862,499$4,988,437$35,594,135
87$76,452,167$10,234,960$5,044,748$38,823,911
88$84,135,995$10,622,181$5,099,455$42,370,974
89$92,599,974$11,024,775$5,152,394$46,267,302
90$101,923,566$11,443,383$5,203,393$50,548,121
91$112,194,333$11,878,672$5,252,270$55,252,236
92$123,508,767$12,331,339$5,298,833$60,422,396
93$135,973,197$12,802,111$5,342,880$66,105,695
94$149,704,796$13,291,747$5,384,199$72,354,018
95$164,832,681$13,801,038$5,422,565$79,224,523
96$181,499,137$14,330,811$5,457,744$86,780,184
97$199,860,957$14,881,930$5,489,487$95,090,379
98$220,090,924$15,455,293$5,517,534$104,231,546
99$242,379,438$16,051,842$5,541,611$114,287,902
100$266,936,316$16,672,559$5,561,431$125,352,235