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%19.7%
1 years$228,744$226,706$224,719$222,778$220,884$212,288
2 years$113,240$111,131$109,087$107,105$105,183$96,626
3 years$74,743$72,625$70,586$68,623$66,732$58,484
4 years$55,499$53,387$51,369$49,439$47,594$39,718
5 years$43,955$41,856$39,864$37,974$36,180$28,696
6 years$36,262$34,179$32,216$30,368$28,628$21,541
7 years$30,769$28,703$26,772$24,967$23,282$16,589
8 years$26,651$24,604$22,705$20,944$19,315$13,010
9 years$23,450$21,422$19,556$17,840$16,266$10,339
10 years$20,890$18,883$17,049$15,378$13,859$8,300
11 years$18,798$16,810$15,010$13,384$11,920$6,715
12 years$17,055$15,088$13,321$11,739$10,329$5,465
13 years$15,582$13,635$11,901$10,364$9,007$4,470
14 years$14,320$12,394$10,693$9,200$7,896$3,669
15 years$13,227$11,322$9,655$8,205$6,952$3,022
16 years$12,272$10,388$8,753$7,347$6,144$2,495
17 years$11,430$9,567$7,965$6,601$5,448$2,064
18 years$10,683$8,840$7,271$5,949$4,844$1,710
19 years$10,015$8,193$6,656$5,375$4,318$1,419
20 years$9,414$7,613$6,109$4,868$3,857$1,179
21 years$8,872$7,091$5,619$4,418$3,451$981
22 years$8,379$6,620$5,179$4,017$3,093$816
23 years$7,930$6,191$4,782$3,659$2,777$680
24 years$7,519$5,801$4,422$3,337$2,496$566
25 years$7,141$5,444$4,096$3,047$2,246$472
26 years$6,794$5,116$3,799$2,786$2,023$394
27 years$6,472$4,815$3,527$2,550$1,824$328
28 years$6,174$4,537$3,279$2,337$1,646$274
29 years$5,897$4,280$3,052$2,143$1,486$229
30 years$5,639$4,042$2,842$1,967$1,343$191
31 years$5,398$3,821$2,650$1,806$1,214$159
32 years$5,172$3,616$2,472$1,660$1,098$133
33 years$4,961$3,424$2,309$1,526$994$111
34 years$4,762$3,245$2,157$1,404$900$93
35 years$4,575$3,078$2,017$1,293$815$77
36 years$4,399$2,922$1,886$1,191$738$65
37 years$4,233$2,775$1,766$1,097$669$54
38 years$4,076$2,637$1,654$1,011$607$45
39 years$3,928$2,508$1,549$932$550$38
40 years$3,787$2,386$1,452$860$499$31
41 years$3,653$2,271$1,362$793$453$26
42 years$3,527$2,163$1,277$732$411$22
43 years$3,406$2,061$1,198$676$373$18
44 years$3,291$1,964$1,125$624$338$15
45 years$3,182$1,873$1,056$576$307$13
46 years$3,077$1,787$992$532$279$11
47 years$2,978$1,705$932$492$253$9
48 years$2,883$1,628$876$455$230$7
49 years$2,792$1,555$823$420$209$6
50 years$2,704$1,485$774$388$190$5

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 $4,540 every year, while hoping to spend $46,896 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: 61/10/29 Blend
51$2,770,000$2,770,000$2,770,000$2,770,000
52$3,057,223$2,910,413$2,867,478$3,219,495
53$3,319,163$3,003,126$2,913,642$3,423,331
54$3,606,249$3,098,811$2,959,780$3,640,303
55$3,920,996$3,197,562$3,005,842$3,876,171
56$4,266,175$3,299,481$3,051,776$4,132,795
57$4,644,838$3,404,668$3,097,523$4,412,217
58$5,060,345$3,513,230$3,143,023$4,716,691
59$5,516,398$3,625,276$3,188,212$5,048,697
60$6,017,075$3,740,919$3,233,022$5,410,969
61$6,566,868$3,860,276$3,277,380$5,806,517
62$7,170,726$3,983,467$3,321,210$6,238,656
63$7,834,100$4,110,617$3,364,430$6,711,040
64$8,562,995$4,241,853$3,406,955$7,227,695
65$9,364,026$4,377,310$3,448,694$7,793,053
66$10,244,481$4,517,123$3,489,550$8,412,000
67$11,212,391$4,661,435$3,529,423$9,089,918
68$12,276,602$4,810,392$3,568,205$9,832,737
69$13,446,859$4,964,145$3,605,784$10,646,991
70$14,733,901$5,122,850$3,642,040$11,539,879
71$16,149,558$5,286,669$3,676,847$12,519,334
72$17,706,865$5,455,768$3,710,074$13,594,095
73$19,420,185$5,630,320$3,741,580$14,773,794
74$21,305,340$5,810,502$3,771,220$16,069,042
75$23,379,766$5,996,498$3,798,837$17,491,533
76$25,662,674$6,188,499$3,824,271$19,054,152
77$28,175,232$6,386,700$3,847,348$20,771,097
78$30,940,761$6,591,304$3,867,890$22,658,016
79$33,984,962$6,802,521$3,885,708$24,732,147
80$37,336,151$7,020,567$3,900,602$27,012,491
81$41,025,530$7,245,666$3,912,363$29,519,983
82$45,087,480$7,478,050$3,920,773$32,277,692
83$49,559,885$7,717,957$3,925,602$35,311,042
84$54,484,491$7,965,634$3,926,606$38,648,049
85$59,907,295$8,221,336$3,923,534$42,319,585
86$65,878,985$8,485,327$3,916,118$46,359,670
87$72,455,413$8,757,880$3,904,080$50,805,796
88$79,698,126$9,039,277$3,887,127$55,699,276
89$87,674,941$9,329,808$3,864,952$61,085,639
90$96,460,591$9,629,774$3,837,234$67,015,056
91$106,137,425$9,939,488$3,803,636$73,542,817
92$116,796,190$10,259,269$3,763,804$80,729,851
93$128,536,879$10,589,452$3,717,370$88,643,302
94$141,469,685$10,930,379$3,663,946$97,357,161
95$155,716,031$11,282,406$3,603,126$106,952,970
96$171,409,723$11,645,900$3,534,487$117,520,586
97$188,698,206$12,021,241$3,457,584$129,159,033
98$207,743,963$12,408,821$3,371,953$141,977,436
99$228,726,040$12,809,047$3,277,107$156,096,053
100$251,841,744$13,222,338$3,172,538$171,647,407