Can I retire at age 52 with 2,770,000?

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 $2,770,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.5%
1 years$228,744$226,706$224,719$222,778$220,884$217,673
2 years$113,240$111,131$109,087$107,105$105,183$101,954
3 years$74,743$72,625$70,586$68,623$66,732$63,587
4 years$55,499$53,387$51,369$49,439$47,594$44,556
5 years$43,955$41,856$39,864$37,974$36,180$33,258
6 years$36,262$34,179$32,216$30,368$28,628$25,826
7 years$30,769$28,703$26,772$24,967$23,282$20,601
8 years$26,651$24,604$22,705$20,944$19,315$16,753
9 years$23,450$21,422$19,556$17,840$16,266$13,823
10 years$20,890$18,883$17,049$15,378$13,859$11,534
11 years$18,798$16,810$15,010$13,384$11,920$9,709
12 years$17,055$15,088$13,321$11,739$10,329$8,230
13 years$15,582$13,635$11,901$10,364$9,007$7,018
14 years$14,320$12,394$10,693$9,200$7,896$6,012
15 years$13,227$11,322$9,655$8,205$6,952$5,171
16 years$12,272$10,388$8,753$7,347$6,144$4,463
17 years$11,430$9,567$7,965$6,601$5,448$3,862
18 years$10,683$8,840$7,271$5,949$4,844$3,350
19 years$10,015$8,193$6,656$5,375$4,318$2,912
20 years$9,414$7,613$6,109$4,868$3,857$2,536
21 years$8,872$7,091$5,619$4,418$3,451$2,212
22 years$8,379$6,620$5,179$4,017$3,093$1,931
23 years$7,930$6,191$4,782$3,659$2,777$1,688
24 years$7,519$5,801$4,422$3,337$2,496$1,478
25 years$7,141$5,444$4,096$3,047$2,246$1,294
26 years$6,794$5,116$3,799$2,786$2,023$1,134
27 years$6,472$4,815$3,527$2,550$1,824$995
28 years$6,174$4,537$3,279$2,337$1,646$873
29 years$5,897$4,280$3,052$2,143$1,486$766
30 years$5,639$4,042$2,842$1,967$1,343$673
31 years$5,398$3,821$2,650$1,806$1,214$591
32 years$5,172$3,616$2,472$1,660$1,098$520
33 years$4,961$3,424$2,309$1,526$994$457
34 years$4,762$3,245$2,157$1,404$900$402
35 years$4,575$3,078$2,017$1,293$815$354
36 years$4,399$2,922$1,886$1,191$738$311
37 years$4,233$2,775$1,766$1,097$669$274
38 years$4,076$2,637$1,654$1,011$607$241
39 years$3,928$2,508$1,549$932$550$212
40 years$3,787$2,386$1,452$860$499$187
41 years$3,653$2,271$1,362$793$453$164
42 years$3,527$2,163$1,277$732$411$145
43 years$3,406$2,061$1,198$676$373$127
44 years$3,291$1,964$1,125$624$338$112
45 years$3,182$1,873$1,056$576$307$99
46 years$3,077$1,787$992$532$279$87
47 years$2,978$1,705$932$492$253$77
48 years$2,883$1,628$876$455$230$68
49 years$2,792$1,555$823$420$209$59
50 years$2,704$1,485$774$388$190$52

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,770,000, adding $4,707 every year, while hoping to spend $34,484 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: 60/22/18 Blend
51$2,770,000$2,770,000$2,770,000$2,770,000
52$3,057,395$2,910,585$2,867,650$3,226,345
53$3,332,559$3,016,513$2,927,026$3,447,016
54$3,634,633$3,126,476$2,987,235$3,683,415
55$3,966,327$3,240,635$3,048,268$3,940,524
56$4,330,624$3,359,157$3,110,117$4,220,352
57$4,730,811$3,482,219$3,172,769$4,525,110
58$5,170,509$3,610,003$3,236,212$4,857,232
59$5,653,706$3,742,698$3,300,430$5,219,397
60$6,184,797$3,880,503$3,365,408$5,614,553
61$6,768,623$4,023,625$3,431,126$6,045,947
62$7,410,519$4,172,279$3,497,564$6,517,149
63$8,116,360$4,326,688$3,564,701$7,032,094
64$8,892,620$4,487,088$3,632,510$7,595,112
65$9,746,434$4,653,721$3,700,965$8,210,971
66$10,685,659$4,826,843$3,770,037$8,884,920
67$11,718,956$5,006,718$3,839,693$9,622,741
68$12,855,865$5,193,623$3,909,898$10,430,799
69$14,106,899$5,387,846$3,980,615$11,316,104
70$15,483,639$5,589,687$4,051,803$12,286,376
71$16,998,849$5,799,460$4,123,417$13,350,120
72$18,666,591$6,017,493$4,195,410$14,516,699
73$20,502,359$6,244,125$4,267,732$15,796,427
74$22,523,226$6,479,714$4,340,327$17,200,666
75$24,748,004$6,724,629$4,413,138$18,741,929
76$27,197,424$6,979,259$4,486,101$20,434,000
77$29,894,325$7,244,007$4,559,149$22,292,063
78$32,863,878$7,519,295$4,632,212$24,332,844
79$36,133,815$7,805,562$4,705,213$26,574,768
80$39,734,698$8,103,268$4,778,071$29,038,132
81$43,700,200$8,412,891$4,850,700$31,745,296
82$48,067,429$8,734,932$4,923,007$34,720,895
83$52,877,275$9,069,911$4,994,896$37,992,066
84$58,174,794$9,418,374$5,066,262$41,588,709
85$64,009,638$9,780,889$5,136,996$45,543,763
86$70,436,517$10,158,049$5,206,982$49,893,520
87$77,515,722$10,550,474$5,276,096$54,677,962
88$85,313,688$10,958,810$5,344,208$59,941,143
89$93,903,625$11,383,732$5,411,180$65,731,598
90$103,366,206$11,825,946$5,476,865$72,102,805
91$113,790,328$12,286,187$5,541,110$79,113,685
92$125,273,955$12,765,224$5,603,751$86,829,158
93$137,925,039$13,263,859$5,664,616$95,320,754
94$151,862,536$13,782,932$5,723,524$104,667,289
95$167,217,537$14,323,318$5,780,284$114,955,606
96$184,134,496$14,885,930$5,834,694$126,281,393
97$202,772,598$15,471,725$5,886,540$138,750,083
98$223,307,263$16,081,700$5,935,599$152,477,853
99$245,931,798$16,716,897$5,981,636$167,592,715
100$270,859,222$17,378,405$6,024,401$184,235,721