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%14.8%
1 years$228,744$226,706$224,719$222,778$220,884$216,512
2 years$113,240$111,131$109,087$107,105$105,183$100,797
3 years$74,743$72,625$70,586$68,623$66,732$62,469
4 years$55,499$53,387$51,369$49,439$47,594$43,486
5 years$43,955$41,856$39,864$37,974$36,180$32,240
6 years$36,262$34,179$32,216$30,368$28,628$24,859
7 years$30,769$28,703$26,772$24,967$23,282$19,685
8 years$26,651$24,604$22,705$20,944$19,315$15,889
9 years$23,450$21,422$19,556$17,840$16,266$13,009
10 years$20,890$18,883$17,049$15,378$13,859$10,768
11 years$18,798$16,810$15,010$13,384$11,920$8,991
12 years$17,055$15,088$13,321$11,739$10,329$7,558
13 years$15,582$13,635$11,901$10,364$9,007$6,389
14 years$14,320$12,394$10,693$9,200$7,896$5,426
15 years$13,227$11,322$9,655$8,205$6,952$4,626
16 years$12,272$10,388$8,753$7,347$6,144$3,956
17 years$11,430$9,567$7,965$6,601$5,448$3,392
18 years$10,683$8,840$7,271$5,949$4,844$2,915
19 years$10,015$8,193$6,656$5,375$4,318$2,510
20 years$9,414$7,613$6,109$4,868$3,857$2,164
21 years$8,872$7,091$5,619$4,418$3,451$1,869
22 years$8,379$6,620$5,179$4,017$3,093$1,616
23 years$7,930$6,191$4,782$3,659$2,777$1,398
24 years$7,519$5,801$4,422$3,337$2,496$1,211
25 years$7,141$5,444$4,096$3,047$2,246$1,050
26 years$6,794$5,116$3,799$2,786$2,023$911
27 years$6,472$4,815$3,527$2,550$1,824$790
28 years$6,174$4,537$3,279$2,337$1,646$686
29 years$5,897$4,280$3,052$2,143$1,486$596
30 years$5,639$4,042$2,842$1,967$1,343$518
31 years$5,398$3,821$2,650$1,806$1,214$450
32 years$5,172$3,616$2,472$1,660$1,098$392
33 years$4,961$3,424$2,309$1,526$994$341
34 years$4,762$3,245$2,157$1,404$900$296
35 years$4,575$3,078$2,017$1,293$815$258
36 years$4,399$2,922$1,886$1,191$738$224
37 years$4,233$2,775$1,766$1,097$669$195
38 years$4,076$2,637$1,654$1,011$607$170
39 years$3,928$2,508$1,549$932$550$148
40 years$3,787$2,386$1,452$860$499$129
41 years$3,653$2,271$1,362$793$453$112
42 years$3,527$2,163$1,277$732$411$98
43 years$3,406$2,061$1,198$676$373$85
44 years$3,291$1,964$1,125$624$338$74
45 years$3,182$1,873$1,056$576$307$64
46 years$3,077$1,787$992$532$279$56
47 years$2,978$1,705$932$492$253$49
48 years$2,883$1,628$876$455$230$43
49 years$2,792$1,555$823$420$209$37
50 years$2,704$1,485$774$388$190$32

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 $6,003 every year, while hoping to spend $59,009 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: 70/10/20 Blend
51$2,770,000$2,770,000$2,770,000$2,770,000
52$3,058,732$2,911,922$2,868,987$3,257,472
53$3,307,938$2,991,821$2,902,313$3,470,704
54$3,580,584$3,073,658$2,934,778$3,696,483
55$3,879,001$3,157,464$2,966,290$3,942,156
56$4,205,752$3,243,272$2,996,753$4,209,685
57$4,563,661$3,331,115$3,026,067$4,501,230
58$4,955,838$3,421,023$3,054,123$4,819,171
59$5,385,707$3,513,027$3,080,810$5,166,131
60$5,857,041$3,607,157$3,106,009$5,544,999
61$6,373,993$3,703,442$3,129,595$5,958,955
62$6,941,140$3,801,910$3,151,436$6,411,507
63$7,563,522$3,902,589$3,171,394$6,906,516
64$8,246,689$4,005,504$3,189,324$7,448,237
65$8,996,758$4,110,680$3,205,073$8,041,359
66$9,820,464$4,218,141$3,218,480$8,691,048
67$10,725,229$4,327,907$3,229,376$9,402,996
68$11,719,227$4,439,998$3,237,584$10,183,474
69$12,811,463$4,554,433$3,242,918$11,039,393
70$14,011,858$4,671,227$3,245,183$11,978,367
71$15,331,343$4,790,393$3,244,172$13,008,788
72$16,781,960$4,911,941$3,239,671$14,139,900
73$18,376,974$5,035,880$3,231,454$15,381,893
74$20,131,002$5,162,215$3,219,285$16,745,992
75$22,060,147$5,290,947$3,202,914$18,244,570
76$24,182,153$5,422,074$3,182,082$19,891,259
77$26,516,567$5,555,590$3,156,516$21,701,083
78$29,084,928$5,691,485$3,125,931$23,690,596
79$31,910,968$5,829,745$3,090,026$25,878,041
80$35,020,834$5,970,350$3,048,490$28,283,523
81$38,443,337$6,113,275$3,000,992$30,929,196
82$42,210,222$6,258,490$2,947,190$33,839,475
83$46,356,468$6,405,960$2,886,725$37,041,264
84$50,920,616$6,555,641$2,819,219$40,564,212
85$55,945,135$6,707,483$2,744,278$44,440,994
86$61,476,820$6,861,430$2,661,492$48,707,615
87$67,567,232$7,017,417$2,570,429$53,403,756
88$74,273,190$7,175,371$2,470,638$58,573,146
89$81,657,299$7,335,208$2,361,649$64,263,972
90$89,788,547$7,496,836$2,242,967$70,529,342
91$98,742,952$7,660,154$2,114,080$77,427,778
92$108,604,279$7,825,048$1,974,448$85,023,775
93$119,464,833$7,991,392$1,823,509$93,388,406
94$131,426,324$8,159,050$1,660,675$102,599,998
95$144,600,835$8,327,868$1,485,333$112,744,867
96$159,111,869$8,497,683$1,296,841$123,918,135
97$175,095,525$8,668,314$1,094,530$136,224,631
98$192,701,772$8,839,565$877,700$149,779,878
99$212,095,871$9,011,222$645,621$164,711,185
100$233,459,931$9,183,054$397,531$181,158,850