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

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 $2,770,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.5%
1 years$228,744$226,706$224,719$222,778$220,884$215,895
2 years$113,240$111,131$109,087$107,105$105,183$100,183
3 years$74,743$72,625$70,586$68,623$66,732$61,878
4 years$55,499$53,387$51,369$49,439$47,594$42,923
5 years$43,955$41,856$39,864$37,974$36,180$31,705
6 years$36,262$34,179$32,216$30,368$28,628$24,354
7 years$30,769$28,703$26,772$24,967$23,282$19,209
8 years$26,651$24,604$22,705$20,944$19,315$15,442
9 years$23,450$21,422$19,556$17,840$16,266$12,590
10 years$20,890$18,883$17,049$15,378$13,859$10,377
11 years$18,798$16,810$15,010$13,384$11,920$8,625
12 years$17,055$15,088$13,321$11,739$10,329$7,218
13 years$15,582$13,635$11,901$10,364$9,007$6,074
14 years$14,320$12,394$10,693$9,200$7,896$5,133
15 years$13,227$11,322$9,655$8,205$6,952$4,355
16 years$12,272$10,388$8,753$7,347$6,144$3,706
17 years$11,430$9,567$7,965$6,601$5,448$3,161
18 years$10,683$8,840$7,271$5,949$4,844$2,703
19 years$10,015$8,193$6,656$5,375$4,318$2,315
20 years$9,414$7,613$6,109$4,868$3,857$1,986
21 years$8,872$7,091$5,619$4,418$3,451$1,706
22 years$8,379$6,620$5,179$4,017$3,093$1,467
23 years$7,930$6,191$4,782$3,659$2,777$1,263
24 years$7,519$5,801$4,422$3,337$2,496$1,088
25 years$7,141$5,444$4,096$3,047$2,246$938
26 years$6,794$5,116$3,799$2,786$2,023$809
27 years$6,472$4,815$3,527$2,550$1,824$698
28 years$6,174$4,537$3,279$2,337$1,646$603
29 years$5,897$4,280$3,052$2,143$1,486$520
30 years$5,639$4,042$2,842$1,967$1,343$450
31 years$5,398$3,821$2,650$1,806$1,214$389
32 years$5,172$3,616$2,472$1,660$1,098$336
33 years$4,961$3,424$2,309$1,526$994$290
34 years$4,762$3,245$2,157$1,404$900$251
35 years$4,575$3,078$2,017$1,293$815$217
36 years$4,399$2,922$1,886$1,191$738$188
37 years$4,233$2,775$1,766$1,097$669$163
38 years$4,076$2,637$1,654$1,011$607$141
39 years$3,928$2,508$1,549$932$550$122
40 years$3,787$2,386$1,452$860$499$105
41 years$3,653$2,271$1,362$793$453$91
42 years$3,527$2,163$1,277$732$411$79
43 years$3,406$2,061$1,198$676$373$68
44 years$3,291$1,964$1,125$624$338$59
45 years$3,182$1,873$1,056$576$307$51
46 years$3,077$1,787$992$532$279$44
47 years$2,978$1,705$932$492$253$38
48 years$2,883$1,628$876$455$230$33
49 years$2,792$1,555$823$420$209$29
50 years$2,704$1,485$774$388$190$25

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 $6,738 every year, while hoping to spend $34,626 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: 47/46/7 Blend
51$2,770,000$2,770,000$2,770,000$2,770,000
52$3,059,490$2,912,680$2,869,745$3,197,223
53$3,334,716$3,018,560$2,929,040$3,398,343
54$3,636,855$3,128,467$2,989,160$3,612,302
55$3,968,615$3,242,562$3,050,098$3,843,685
56$4,332,980$3,361,014$3,111,842$4,094,118
57$4,733,236$3,483,996$3,174,381$4,365,387
58$5,173,004$3,611,690$3,237,701$4,659,455
59$5,656,274$3,744,286$3,301,787$4,978,478
60$6,187,439$3,881,981$3,366,622$5,324,825
61$6,771,341$4,024,982$3,432,188$5,701,103
62$7,413,314$4,173,502$3,498,462$6,110,176
63$8,119,234$4,327,765$3,565,422$6,555,195
64$8,895,575$4,488,005$3,633,043$7,039,623
65$9,749,471$4,654,464$3,701,297$7,567,269
66$10,688,780$4,827,396$3,770,154$8,142,326
67$11,722,162$5,007,065$3,839,581$8,769,402
68$12,859,158$5,193,747$3,909,542$9,453,571
69$14,110,279$5,387,727$3,979,998$10,200,412
70$15,487,108$5,589,307$4,050,909$11,016,066
71$17,002,408$5,798,797$4,122,229$11,907,290
72$18,670,240$6,016,525$4,193,911$12,881,523
73$20,506,099$6,242,829$4,265,901$13,946,949
74$22,527,058$6,478,064$4,338,145$15,112,579
75$24,751,929$6,722,600$4,410,584$16,388,329
76$27,201,440$6,976,822$4,483,153$17,785,119
77$29,898,433$7,241,133$4,555,785$19,314,967
78$32,868,077$7,515,952$4,628,407$20,991,107
79$36,138,104$7,801,717$4,700,942$22,828,109
80$39,739,075$8,098,885$4,773,308$24,842,016
81$43,704,664$8,407,934$4,845,417$27,050,493
82$48,071,977$8,729,360$4,917,176$29,472,993
83$52,881,903$9,063,683$4,988,486$32,130,938
84$58,179,499$9,411,446$5,059,243$35,047,917
85$64,014,415$9,773,214$5,129,334$38,249,913
86$70,441,362$10,149,577$5,198,643$41,765,538
87$77,520,627$10,541,153$5,267,044$45,626,307
88$85,318,646$10,948,585$5,334,405$49,866,931
89$93,908,627$11,372,545$5,400,587$54,525,642
90$103,371,242$11,813,734$5,465,441$59,644,550
91$113,795,387$12,272,886$5,528,812$65,270,042
92$125,279,024$12,750,765$5,590,535$71,453,212
93$137,930,102$13,248,169$5,650,435$78,250,346
94$151,867,577$13,765,935$5,708,330$85,723,445
95$167,222,536$14,304,931$5,764,025$93,940,811
96$184,139,431$14,866,069$5,817,316$102,977,685
97$202,777,446$15,450,300$5,867,989$112,916,960
98$223,311,996$16,058,615$5,915,817$123,849,952
99$245,936,384$16,692,051$5,960,561$135,877,264
100$270,863,627$17,351,693$6,001,972$149,109,732