Can I retire at age 52 with 2,790,000?

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 $2,790,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.5%
1 years$230,396$228,343$226,341$224,387$222,479$214,841
2 years$114,057$111,933$109,874$107,878$105,942$98,326
3 years$75,283$73,149$71,096$69,119$67,214$59,857
4 years$55,899$53,773$51,740$49,796$47,938$40,897
5 years$44,272$42,158$40,152$38,248$36,441$29,735
6 years$36,524$34,425$32,449$30,587$28,835$22,469
7 years$30,991$28,910$26,965$25,148$23,450$17,423
8 years$26,843$24,782$22,869$21,096$19,454$13,761
9 years$23,619$21,577$19,697$17,969$16,383$11,018
10 years$21,041$19,019$17,172$15,489$13,960$8,912
11 years$18,933$16,931$15,118$13,480$12,006$7,266
12 years$17,178$15,197$13,417$11,824$10,404$5,962
13 years$15,694$13,733$11,987$10,439$9,072$4,916
14 years$14,423$12,483$10,770$9,266$7,953$4,070
15 years$13,323$11,404$9,724$8,264$7,002$3,380
16 years$12,361$10,463$8,816$7,400$6,189$2,815
17 years$11,513$9,636$8,023$6,648$5,487$2,350
18 years$10,760$8,904$7,324$5,992$4,879$1,965
19 years$10,087$8,252$6,704$5,414$4,349$1,645
20 years$9,482$7,668$6,153$4,903$3,884$1,380
21 years$8,936$7,143$5,660$4,450$3,476$1,158
22 years$8,440$6,667$5,216$4,046$3,116$973
23 years$7,987$6,236$4,816$3,685$2,797$818
24 years$7,573$5,843$4,454$3,361$2,514$688
25 years$7,193$5,483$4,125$3,069$2,262$579
26 years$6,843$5,153$3,826$2,806$2,038$487
27 years$6,519$4,850$3,553$2,569$1,837$411
28 years$6,218$4,570$3,303$2,354$1,658$346
29 years$5,939$4,311$3,074$2,158$1,497$291
30 years$5,679$4,071$2,863$1,981$1,353$246
31 years$5,436$3,849$2,669$1,819$1,223$207
32 years$5,209$3,642$2,490$1,672$1,106$175
33 years$4,996$3,449$2,325$1,537$1,001$147
34 years$4,797$3,269$2,173$1,415$906$124
35 years$4,608$3,100$2,031$1,302$821$105
36 years$4,431$2,943$1,900$1,199$744$88
37 years$4,264$2,795$1,778$1,105$674$75
38 years$4,106$2,656$1,665$1,018$611$63
39 years$3,956$2,526$1,560$939$554$53
40 years$3,814$2,403$1,463$866$503$45
41 years$3,680$2,287$1,371$799$456$38
42 years$3,552$2,178$1,286$738$414$32
43 years$3,431$2,076$1,207$681$376$27
44 years$3,315$1,978$1,133$629$341$23
45 years$3,205$1,887$1,064$581$309$19
46 years$3,100$1,800$999$536$281$16
47 years$2,999$1,718$939$495$255$14
48 years$2,903$1,640$882$458$232$12
49 years$2,812$1,566$829$423$210$10
50 years$2,724$1,496$780$391$191$8

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,790,000, adding $4,970 every year, while hoping to spend $33,725 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: 70/16/14 Blend
51$2,790,000$2,790,000$2,790,000$2,790,000
52$3,079,707$2,931,837$2,888,592$3,285,285
53$3,357,953$3,039,613$2,949,476$3,530,265
54$3,663,451$3,151,541$3,011,270$3,793,748
55$3,998,944$3,267,787$3,073,968$4,081,228
56$4,367,454$3,388,527$3,137,564$4,395,064
57$4,772,312$3,513,942$3,202,050$4,737,856
58$5,217,186$3,644,223$3,267,417$5,112,463
59$5,706,116$3,779,568$3,333,653$5,522,035
60$6,243,557$3,920,183$3,400,747$5,970,039
61$6,834,412$4,066,284$3,468,684$6,460,294
62$7,484,085$4,218,095$3,537,448$6,997,003
63$8,198,531$4,375,851$3,607,022$7,584,796
64$8,984,309$4,539,796$3,677,385$8,228,772
65$9,848,646$4,710,184$3,748,515$8,934,545
66$10,799,506$4,887,281$3,820,388$9,708,299
67$11,845,662$5,071,364$3,892,978$10,556,846
68$12,996,781$5,262,722$3,966,254$11,487,685
69$14,263,514$5,461,657$4,040,185$12,509,081
70$15,657,598$5,668,483$4,114,737$13,630,133
71$17,191,963$5,883,529$4,189,870$14,860,867
72$18,880,858$6,107,137$4,265,546$16,212,326
73$20,739,982$6,339,663$4,341,718$17,696,675
74$22,786,636$6,581,482$4,418,341$19,327,313
75$25,039,880$6,832,982$4,495,363$21,119,004
76$27,520,719$7,094,569$4,572,729$23,088,009
77$30,252,296$7,366,667$4,650,380$25,252,246
78$33,260,116$7,649,719$4,728,252$27,631,452
79$36,572,278$7,944,186$4,806,279$30,247,373
80$40,219,749$8,250,550$4,884,389$33,123,967
81$44,236,652$8,569,315$4,962,503$36,287,628
82$48,660,584$8,901,005$5,040,541$39,767,438
83$53,532,979$9,246,170$5,118,415$43,595,437
84$58,899,492$9,605,382$5,196,031$47,806,926
85$64,810,434$9,979,239$5,273,291$52,440,802
86$71,321,242$10,368,365$5,350,091$57,539,918
87$78,493,007$10,773,413$5,426,317$63,151,494
88$86,393,047$11,195,064$5,501,852$69,327,557
89$95,095,545$11,634,030$5,576,571$76,125,431
90$104,682,246$12,091,052$5,650,341$83,608,282
91$115,243,229$12,566,907$5,723,022$91,845,707
92$126,877,759$13,062,407$5,794,464$100,914,393
93$139,695,222$13,578,396$5,864,510$110,898,841
94$153,816,159$14,115,762$5,932,995$121,892,160
95$169,373,399$14,675,427$5,999,743$133,996,946
96$186,513,321$15,258,357$6,064,569$147,326,249
97$205,397,224$15,865,562$6,127,277$162,004,639
98$226,202,862$16,498,095$6,187,662$178,169,381
99$249,126,111$17,157,059$6,245,506$195,971,728
100$274,382,824$17,843,605$6,300,580$215,578,350