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

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 $2,780,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.4%
1 years$229,570$227,525$225,530$223,583$221,681$215,016
2 years$113,648$111,532$109,481$107,492$105,562$98,903
3 years$75,013$72,887$70,841$68,871$66,973$60,529
4 years$55,699$53,580$51,554$49,618$47,766$41,586
5 years$44,114$42,007$40,008$38,111$36,311$30,412
6 years$36,393$34,302$32,333$30,478$28,732$23,119
7 years$30,880$28,807$26,869$25,057$23,366$18,041
8 years$26,747$24,693$22,787$21,020$19,385$14,342
9 years$23,534$21,500$19,626$17,904$16,325$11,559
10 years$20,966$18,951$17,110$15,434$13,909$9,415
11 years$18,866$16,871$15,064$13,432$11,963$7,731
12 years$17,117$15,142$13,369$11,782$10,367$6,390
13 years$15,638$13,684$11,944$10,401$9,040$5,308
14 years$14,372$12,439$10,732$9,233$7,924$4,428
15 years$13,275$11,363$9,689$8,234$6,977$3,707
16 years$12,316$10,425$8,785$7,373$6,166$3,112
17 years$11,472$9,601$7,994$6,625$5,468$2,618
18 years$10,721$8,872$7,297$5,970$4,862$2,207
19 years$10,051$8,222$6,680$5,395$4,333$1,864
20 years$9,448$7,641$6,131$4,886$3,870$1,576
21 years$8,904$7,117$5,639$4,434$3,464$1,334
22 years$8,409$6,643$5,197$4,032$3,105$1,130
23 years$7,959$6,213$4,799$3,672$2,787$959
24 years$7,546$5,822$4,438$3,349$2,505$813
25 years$7,167$5,463$4,111$3,058$2,254$691
26 years$6,818$5,135$3,812$2,796$2,030$587
27 years$6,495$4,832$3,540$2,560$1,831$499
28 years$6,196$4,553$3,291$2,345$1,652$424
29 years$5,918$4,296$3,063$2,151$1,491$360
30 years$5,659$4,057$2,853$1,974$1,348$307
31 years$5,417$3,835$2,659$1,813$1,218$261
32 years$5,191$3,629$2,481$1,666$1,102$222
33 years$4,979$3,436$2,317$1,532$997$189
34 years$4,779$3,257$2,165$1,409$903$161
35 years$4,592$3,089$2,024$1,298$818$137
36 years$4,415$2,932$1,893$1,195$741$116
37 years$4,249$2,785$1,772$1,101$672$99
38 years$4,091$2,647$1,659$1,015$609$84
39 years$3,942$2,517$1,555$936$552$72
40 years$3,801$2,394$1,457$863$501$61
41 years$3,667$2,279$1,366$796$454$52
42 years$3,539$2,171$1,282$735$412$44
43 years$3,418$2,068$1,203$678$374$38
44 years$3,303$1,971$1,129$626$340$32
45 years$3,193$1,880$1,060$578$308$27
46 years$3,088$1,793$996$534$280$23
47 years$2,989$1,711$935$494$254$20
48 years$2,893$1,634$879$456$231$17
49 years$2,802$1,560$826$422$210$14
50 years$2,714$1,490$777$390$190$12

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 $4,050 every year, while hoping to spend $30,877 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: 46/48/6 Blend
51$2,780,000$2,780,000$2,780,000$2,780,000
52$3,067,738$2,920,398$2,877,308$3,203,695
53$3,347,794$3,030,644$2,940,844$3,407,796
54$3,655,381$3,145,258$3,005,475$3,625,511
55$3,993,275$3,264,420$3,071,203$3,860,950
56$4,364,533$3,388,321$3,138,032$4,115,758
57$4,772,523$3,517,156$3,205,964$4,391,742
58$5,220,956$3,651,133$3,275,000$4,690,888
59$5,713,922$3,790,467$3,345,141$5,015,376
60$6,255,923$3,935,381$3,416,384$5,367,603
61$6,851,923$4,086,110$3,488,729$5,750,202
62$7,507,389$4,242,899$3,562,171$6,166,067
63$8,228,343$4,406,002$3,636,705$6,618,380
64$9,021,425$4,575,687$3,712,324$7,110,639
65$9,893,944$4,752,230$3,789,022$7,646,692
66$10,853,960$4,935,922$3,866,787$8,230,766
67$11,910,348$5,127,066$3,945,609$8,867,516
68$13,072,890$5,325,979$4,025,473$9,562,056
69$14,352,364$5,532,991$4,106,365$10,320,017
70$15,760,644$5,748,447$4,188,268$11,147,591
71$17,310,815$5,972,706$4,271,160$12,051,590
72$19,017,296$6,206,146$4,355,021$13,039,512
73$20,895,972$6,449,159$4,439,826$14,119,606
74$22,964,348$6,702,155$4,525,548$15,300,951
75$25,241,714$6,965,563$4,612,156$16,593,539
76$27,749,324$7,239,831$4,699,618$18,008,368
77$30,510,598$7,525,426$4,787,899$19,557,543
78$33,551,344$7,822,837$4,876,958$21,254,390
79$36,899,999$8,132,573$4,966,754$23,113,580
80$40,587,898$8,455,169$5,057,240$25,151,263
81$44,649,573$8,791,181$5,148,367$27,385,219
82$49,123,072$9,141,192$5,240,080$29,835,029
83$54,050,324$9,505,809$5,332,321$32,522,248
84$59,477,532$9,885,669$5,425,029$35,470,614
85$65,455,609$10,281,435$5,518,136$38,706,266
86$72,040,657$10,693,802$5,611,570$42,257,990
87$79,294,501$11,123,495$5,705,254$46,157,486
88$87,285,266$11,571,272$5,799,106$50,439,664
89$96,088,025$12,037,926$5,893,038$55,142,975
90$105,785,505$12,524,286$5,986,956$60,309,766
91$116,468,868$13,031,217$6,080,760$65,986,679
92$128,238,570$13,559,625$6,174,343$72,225,088
93$141,205,314$14,110,455$6,267,593$79,081,577
94$155,491,087$14,684,699$6,360,389$86,618,478
95$171,230,318$15,283,390$6,452,602$94,904,447
96$188,571,144$15,907,609$6,544,098$104,015,115
97$207,676,807$16,558,488$6,634,731$114,033,793
98$228,727,197$17,237,210$6,724,350$125,052,257
99$251,920,548$17,945,010$6,812,793$137,171,610
100$277,475,311$18,683,183$6,899,889$150,503,228