Can I retire at age 52 with 2,780,000?

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 $2,780,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.9%
1 years$229,570$227,525$225,530$223,583$221,681$212,886
2 years$113,648$111,532$109,481$107,492$105,562$96,810
3 years$75,013$72,887$70,841$68,871$66,973$58,540
4 years$55,699$53,580$51,554$49,618$47,766$39,715
5 years$44,114$42,007$40,008$38,111$36,311$28,664
6 years$36,393$34,302$32,333$30,478$28,732$21,493
7 years$30,880$28,807$26,869$25,057$23,366$16,533
8 years$26,747$24,693$22,787$21,020$19,385$12,951
9 years$23,534$21,500$19,626$17,904$16,325$10,280
10 years$20,966$18,951$17,110$15,434$13,909$8,242
11 years$18,866$16,871$15,064$13,432$11,963$6,659
12 years$17,117$15,142$13,369$11,782$10,367$5,412
13 years$15,638$13,684$11,944$10,401$9,040$4,420
14 years$14,372$12,439$10,732$9,233$7,924$3,624
15 years$13,275$11,363$9,689$8,234$6,977$2,980
16 years$12,316$10,425$8,785$7,373$6,166$2,457
17 years$11,472$9,601$7,994$6,625$5,468$2,030
18 years$10,721$8,872$7,297$5,970$4,862$1,679
19 years$10,051$8,222$6,680$5,395$4,333$1,391
20 years$9,448$7,641$6,131$4,886$3,870$1,154
21 years$8,904$7,117$5,639$4,434$3,464$958
22 years$8,409$6,643$5,197$4,032$3,105$796
23 years$7,959$6,213$4,799$3,672$2,787$662
24 years$7,546$5,822$4,438$3,349$2,505$551
25 years$7,167$5,463$4,111$3,058$2,254$458
26 years$6,818$5,135$3,812$2,796$2,030$382
27 years$6,495$4,832$3,540$2,560$1,831$318
28 years$6,196$4,553$3,291$2,345$1,652$265
29 years$5,918$4,296$3,063$2,151$1,491$221
30 years$5,659$4,057$2,853$1,974$1,348$184
31 years$5,417$3,835$2,659$1,813$1,218$153
32 years$5,191$3,629$2,481$1,666$1,102$128
33 years$4,979$3,436$2,317$1,532$997$106
34 years$4,779$3,257$2,165$1,409$903$89
35 years$4,592$3,089$2,024$1,298$818$74
36 years$4,415$2,932$1,893$1,195$741$62
37 years$4,249$2,785$1,772$1,101$672$51
38 years$4,091$2,647$1,659$1,015$609$43
39 years$3,942$2,517$1,555$936$552$36
40 years$3,801$2,394$1,457$863$501$30
41 years$3,667$2,279$1,366$796$454$25
42 years$3,539$2,171$1,282$735$412$21
43 years$3,418$2,068$1,203$678$374$17
44 years$3,303$1,971$1,129$626$340$14
45 years$3,193$1,880$1,060$578$308$12
46 years$3,088$1,793$996$534$280$10
47 years$2,989$1,711$935$494$254$8
48 years$2,893$1,634$879$456$231$7
49 years$2,802$1,560$826$422$210$6
50 years$2,714$1,490$777$390$190$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,780,000, adding $2,053 every year, while hoping to spend $27,992 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: 60/11/29 Blend
51$2,780,000$2,780,000$2,780,000$2,780,000
52$3,065,678$2,918,338$2,875,248$3,225,366
53$3,348,594$3,031,553$2,941,785$3,447,871
54$3,659,429$3,149,378$3,009,614$3,687,391
55$4,001,001$3,272,008$3,078,746$3,948,183
56$4,376,416$3,399,649$3,149,197$4,232,327
57$4,789,093$3,532,515$3,220,978$4,542,114
58$5,242,802$3,670,829$3,294,102$4,880,063
59$5,741,693$3,814,825$3,368,580$5,248,951
60$6,290,341$3,964,746$3,444,422$5,651,834
61$6,893,785$4,120,849$3,521,640$6,092,076
62$7,557,579$4,283,398$3,600,242$6,573,383
63$8,287,839$4,452,671$3,680,237$7,099,834
64$9,091,306$4,628,960$3,761,633$7,675,922
65$9,975,407$4,812,567$3,844,436$8,306,594
66$10,948,326$5,003,810$3,928,651$8,997,299
67$12,019,078$5,203,019$4,014,284$9,754,040
68$13,197,598$5,410,542$4,101,337$10,583,425
69$14,494,834$5,626,739$4,189,813$11,492,736
70$15,922,847$5,851,989$4,279,711$12,489,991
71$17,494,927$6,086,687$4,371,032$13,584,024
72$19,225,721$6,331,245$4,463,772$14,784,565
73$21,131,364$6,586,095$4,557,928$16,102,332
74$23,229,638$6,851,689$4,653,494$17,549,134
75$25,540,136$7,128,497$4,750,461$19,137,976
76$28,084,450$7,417,013$4,848,821$20,883,190
77$30,886,369$7,717,752$4,948,561$22,800,560
78$33,972,108$8,031,251$5,049,668$24,907,480
79$37,370,556$8,358,076$5,152,125$27,223,109
80$41,113,544$8,698,813$5,255,913$29,768,558
81$45,236,150$9,054,079$5,361,010$32,567,083
82$49,777,025$9,424,517$5,467,392$35,644,310
83$54,778,764$9,810,801$5,575,032$39,028,470
84$60,288,302$10,213,633$5,683,899$42,750,670
85$66,357,358$10,633,751$5,793,959$46,845,181
86$73,042,927$11,071,923$5,905,175$51,349,766
87$80,407,813$11,528,955$6,017,506$56,306,033
88$88,521,225$12,005,689$6,130,908$61,759,825
89$97,459,427$12,503,005$6,245,330$67,761,655
90$107,306,460$13,021,824$6,360,720$74,367,183
91$118,154,936$13,563,109$6,477,021$81,637,736
92$130,106,906$14,127,869$6,594,168$89,640,890
93$143,274,833$14,717,157$6,712,095$98,451,106
94$157,782,645$15,332,077$6,830,730$108,150,431
95$173,766,908$15,973,781$6,949,992$118,829,272
96$191,378,114$16,643,478$7,069,798$130,587,248
97$210,782,103$17,342,430$7,190,058$143,534,133
98$232,161,627$18,071,958$7,310,674$157,790,885
99$255,718,074$18,833,445$7,431,543$173,490,792
100$281,673,372$19,628,338$7,552,554$190,780,724