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

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 $2,760,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.7%
1 years$227,918$225,888$223,907$221,974$220,086$215,819
2 years$112,831$110,729$108,693$106,718$104,803$100,521
3 years$74,473$72,363$70,331$68,375$66,491$62,328
4 years$55,298$53,194$51,183$49,261$47,422$43,410
5 years$43,796$41,705$39,720$37,837$36,050$32,200
6 years$36,131$34,055$32,100$30,258$28,525$24,842
7 years$30,658$28,600$26,675$24,877$23,198$19,683
8 years$26,555$24,515$22,623$20,869$19,245$15,896
9 years$23,365$21,345$19,485$17,776$16,207$13,023
10 years$20,815$18,814$16,987$15,323$13,809$10,786
11 years$18,730$16,749$14,955$13,335$11,877$9,011
12 years$16,993$15,033$13,273$11,697$10,292$7,580
13 years$15,525$13,586$11,858$10,327$8,975$6,413
14 years$14,268$12,349$10,655$9,167$7,867$5,450
15 years$13,179$11,281$9,620$8,175$6,927$4,649
16 years$12,228$10,350$8,722$7,320$6,122$3,978
17 years$11,389$9,532$7,936$6,577$5,428$3,414
18 years$10,644$8,808$7,245$5,927$4,827$2,936
19 years$9,979$8,163$6,632$5,356$4,302$2,529
20 years$9,380$7,586$6,087$4,851$3,843$2,183
21 years$8,840$7,066$5,599$4,402$3,439$1,887
22 years$8,349$6,596$5,160$4,003$3,082$1,632
23 years$7,901$6,169$4,764$3,645$2,767$1,414
24 years$7,492$5,780$4,406$3,325$2,487$1,226
25 years$7,116$5,424$4,081$3,036$2,238$1,063
26 years$6,769$5,098$3,785$2,776$2,016$923
27 years$6,449$4,798$3,515$2,541$1,817$802
28 years$6,151$4,521$3,267$2,328$1,640$697
29 years$5,875$4,265$3,041$2,135$1,481$606
30 years$5,618$4,028$2,832$1,959$1,338$527
31 years$5,378$3,807$2,640$1,800$1,210$458
32 years$5,153$3,603$2,464$1,654$1,094$399
33 years$4,943$3,412$2,300$1,521$990$347
34 years$4,745$3,234$2,149$1,399$897$302
35 years$4,559$3,067$2,009$1,288$812$263
36 years$4,384$2,911$1,880$1,186$736$229
37 years$4,218$2,765$1,759$1,093$667$200
38 years$4,062$2,628$1,648$1,008$605$174
39 years$3,914$2,499$1,544$929$548$152
40 years$3,773$2,377$1,447$857$497$132
41 years$3,640$2,263$1,357$791$451$115
42 years$3,514$2,155$1,273$730$409$100
43 years$3,394$2,053$1,194$673$372$87
44 years$3,279$1,957$1,121$622$337$76
45 years$3,170$1,866$1,052$574$306$66
46 years$3,066$1,780$989$530$278$58
47 years$2,967$1,699$929$490$252$50
48 years$2,872$1,622$873$453$229$44
49 years$2,782$1,549$820$419$208$38
50 years$2,695$1,480$771$387$189$33

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 $5,183 every year, while hoping to spend $46,143 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: 87/6/7 Blend
51$2,760,000$2,760,000$2,760,000$2,760,000
52$3,046,866$2,900,586$2,857,806$3,309,961
53$3,308,551$2,993,619$2,904,447$3,575,197
54$3,595,381$3,089,664$2,951,104$3,859,758
55$3,909,872$3,188,820$2,997,728$4,171,037
56$4,254,796$3,291,189$3,044,269$4,511,694
57$4,633,205$3,396,877$3,090,672$4,884,659
58$5,048,461$3,505,993$3,136,878$5,293,156
59$5,504,266$3,618,650$3,182,826$5,740,740
60$6,004,702$3,734,964$3,228,451$6,231,324
61$6,554,260$3,855,056$3,273,683$6,769,219
62$7,157,891$3,979,050$3,318,448$7,359,174
63$7,821,048$4,107,076$3,362,668$8,006,418
64$8,549,738$4,239,266$3,406,261$8,716,714
65$9,350,580$4,375,758$3,449,138$9,496,410
66$10,230,863$4,516,694$3,491,209$10,352,498
67$11,198,621$4,662,222$3,532,374$11,292,682
68$12,262,702$4,812,493$3,572,531$12,325,447
69$13,432,858$4,967,665$3,611,570$13,460,144
70$14,719,829$5,127,900$3,649,378$14,707,074
71$16,135,451$5,293,366$3,685,831$16,077,585
72$17,692,763$5,464,238$3,720,803$17,584,182
73$19,406,134$5,640,694$3,754,159$19,240,640
74$21,291,393$5,822,921$3,785,756$21,062,139
75$23,365,982$6,011,111$3,815,446$23,065,402
76$25,649,119$6,205,463$3,843,070$25,268,856
77$28,161,980$6,406,182$3,868,464$27,692,803
78$30,927,898$6,613,480$3,891,454$30,359,616
79$33,972,581$6,827,579$3,911,855$33,293,942
80$37,324,358$7,048,704$3,929,476$36,522,943
81$41,014,443$7,277,091$3,944,114$40,076,545
82$45,077,232$7,512,984$3,955,557$43,987,724
83$49,550,623$7,756,634$3,963,582$48,292,817
84$54,476,379$8,008,301$3,967,955$53,031,861
85$59,900,517$8,268,256$3,968,429$58,248,976
86$65,873,745$8,536,776$3,964,746$63,992,775
87$72,451,939$8,814,149$3,956,637$70,316,828
88$79,696,669$9,100,675$3,943,817$77,280,165
89$87,675,783$9,396,662$3,925,988$84,947,831
90$96,464,043$9,702,428$3,902,839$93,391,501
91$106,143,833$10,018,305$3,874,042$102,690,159
92$116,805,937$10,344,634$3,839,255$112,930,840
93$128,550,391$10,681,770$3,798,118$124,209,448
94$141,487,432$11,030,078$3,750,257$136,631,670
95$155,738,536$11,389,938$3,695,276$150,313,964
96$171,437,563$11,761,741$3,632,764$165,384,663
97$188,732,022$12,145,894$3,562,290$181,985,184
98$207,784,463$12,542,817$3,483,401$200,271,366
99$228,774,008$12,952,945$3,395,625$220,414,933
100$251,898,047$13,376,729$3,298,468$242,605,123