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%19%
1 years$227,918$225,888$223,907$221,974$220,086$212,109
2 years$112,831$110,729$108,693$106,718$104,803$96,853
3 years$74,473$72,363$70,331$68,375$66,491$58,819
4 years$55,298$53,194$51,183$49,261$47,422$40,087
5 years$43,796$41,705$39,720$37,837$36,050$29,070
6 years$36,131$34,055$32,100$30,258$28,525$21,905
7 years$30,658$28,600$26,675$24,877$23,198$16,938
8 years$26,555$24,515$22,623$20,869$19,245$13,338
9 years$23,365$21,345$19,485$17,776$16,207$10,646
10 years$20,815$18,814$16,987$15,323$13,809$8,584
11 years$18,730$16,749$14,955$13,335$11,877$6,976
12 years$16,993$15,033$13,273$11,697$10,292$5,705
13 years$15,525$13,586$11,858$10,327$8,975$4,688
14 years$14,268$12,349$10,655$9,167$7,867$3,868
15 years$13,179$11,281$9,620$8,175$6,927$3,201
16 years$12,228$10,350$8,722$7,320$6,122$2,656
17 years$11,389$9,532$7,936$6,577$5,428$2,209
18 years$10,644$8,808$7,245$5,927$4,827$1,840
19 years$9,979$8,163$6,632$5,356$4,302$1,535
20 years$9,380$7,586$6,087$4,851$3,843$1,282
21 years$8,840$7,066$5,599$4,402$3,439$1,072
22 years$8,349$6,596$5,160$4,003$3,082$897
23 years$7,901$6,169$4,764$3,645$2,767$751
24 years$7,492$5,780$4,406$3,325$2,487$629
25 years$7,116$5,424$4,081$3,036$2,238$528
26 years$6,769$5,098$3,785$2,776$2,016$442
27 years$6,449$4,798$3,515$2,541$1,817$371
28 years$6,151$4,521$3,267$2,328$1,640$311
29 years$5,875$4,265$3,041$2,135$1,481$261
30 years$5,618$4,028$2,832$1,959$1,338$219
31 years$5,378$3,807$2,640$1,800$1,210$184
32 years$5,153$3,603$2,464$1,654$1,094$155
33 years$4,943$3,412$2,300$1,521$990$130
34 years$4,745$3,234$2,149$1,399$897$109
35 years$4,559$3,067$2,009$1,288$812$92
36 years$4,384$2,911$1,880$1,186$736$77
37 years$4,218$2,765$1,759$1,093$667$65
38 years$4,062$2,628$1,648$1,008$605$54
39 years$3,914$2,499$1,544$929$548$46
40 years$3,773$2,377$1,447$857$497$38
41 years$3,640$2,263$1,357$791$451$32
42 years$3,514$2,155$1,273$730$409$27
43 years$3,394$2,053$1,194$673$372$23
44 years$3,279$1,957$1,121$622$337$19
45 years$3,170$1,866$1,052$574$306$16
46 years$3,066$1,780$989$530$278$13
47 years$2,967$1,699$929$490$252$11
48 years$2,872$1,622$873$453$229$10
49 years$2,782$1,549$820$419$208$8
50 years$2,695$1,480$771$387$189$7

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 $4,262 every year, while hoping to spend $22,130 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: 62/28/10 Blend
51$2,760,000$2,760,000$2,760,000$2,760,000
52$3,045,916$2,899,636$2,856,856$3,227,676
53$3,333,054$3,018,172$2,929,015$3,468,378
54$3,648,737$3,141,775$3,002,849$3,728,060
55$3,995,855$3,270,669$3,078,391$4,010,953
56$4,377,591$3,405,090$3,155,675$4,319,302
57$4,797,449$3,545,283$3,234,734$4,655,580
58$5,259,293$3,691,506$3,315,602$5,022,504
59$5,767,379$3,844,028$3,398,313$5,423,065
60$6,326,396$4,003,130$3,482,901$5,860,553
61$6,941,512$4,169,106$3,569,402$6,338,589
62$7,618,418$4,342,265$3,657,849$6,861,157
63$8,363,389$4,522,928$3,748,279$7,432,640
64$9,183,335$4,711,433$3,840,727$8,057,863
65$10,085,873$4,908,130$3,935,229$8,742,137
66$11,079,393$5,113,390$4,031,821$9,491,308
67$12,173,143$5,327,597$4,130,538$10,311,810
68$13,377,310$5,551,156$4,231,417$11,210,727
69$14,703,121$5,784,488$4,334,495$12,195,856
70$16,162,946$6,028,034$4,439,807$13,275,783
71$17,770,417$6,282,259$4,547,391$14,459,962
72$19,540,553$6,547,643$4,657,283$15,758,801
73$21,489,907$6,824,695$4,769,519$17,183,759
74$23,636,715$7,113,943$4,884,136$18,747,459
75$26,001,076$7,415,942$5,001,170$20,463,797
76$28,605,133$7,731,271$5,120,657$22,348,079
77$31,473,291$8,060,537$5,242,633$24,417,159
78$34,632,440$8,404,376$5,367,134$26,689,601
79$38,112,211$8,763,453$5,494,196$29,185,849
80$41,945,258$9,138,464$5,623,853$31,928,421
81$46,167,562$9,530,136$5,756,139$34,942,120
82$50,818,773$9,939,233$5,891,090$38,254,263
83$55,942,585$10,366,552$6,028,739$41,894,940
84$61,587,145$10,812,929$6,169,118$45,897,299
85$67,805,510$11,279,239$6,312,259$50,297,849
86$74,656,148$11,766,398$6,458,195$55,136,809
87$82,203,486$12,275,362$6,606,956$60,458,486
88$90,518,524$12,807,137$6,758,572$66,311,686
89$99,679,499$13,362,773$6,913,070$72,750,176
90$109,772,629$13,943,370$7,070,479$79,833,189
91$120,892,922$14,550,080$7,230,824$87,625,980
92$133,145,074$15,184,107$7,394,131$96,200,438
93$146,644,459$15,846,717$7,560,422$105,635,766
94$161,518,217$16,539,229$7,729,719$116,019,220
95$177,906,454$17,263,029$7,902,043$127,446,935
96$195,963,562$18,019,567$8,077,411$140,024,827
97$215,859,680$18,810,361$8,255,839$153,869,590
98$237,782,299$19,637,001$8,437,342$169,109,792
99$261,938,031$20,501,151$8,621,930$185,887,090
100$288,554,558$21,404,555$8,809,613$204,357,559