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%11.3%
1 years$230,396$228,343$226,341$224,387$222,479$221,262
2 years$114,057$111,933$109,874$107,878$105,942$104,715
3 years$75,283$73,149$71,096$69,119$67,214$66,013
4 years$55,899$53,773$51,740$49,796$47,938$46,773
5 years$44,272$42,158$40,152$38,248$36,441$35,317
6 years$36,524$34,425$32,449$30,587$28,835$27,751
7 years$30,991$28,910$26,965$25,148$23,450$22,409
8 years$26,843$24,782$22,869$21,096$19,454$18,454
9 years$23,619$21,577$19,697$17,969$16,383$15,425
10 years$21,041$19,019$17,172$15,489$13,960$13,042
11 years$18,933$16,931$15,118$13,480$12,006$11,128
12 years$17,178$15,197$13,417$11,824$10,404$9,566
13 years$15,694$13,733$11,987$10,439$9,072$8,274
14 years$14,423$12,483$10,770$9,266$7,953$7,192
15 years$13,323$11,404$9,724$8,264$7,002$6,278
16 years$12,361$10,463$8,816$7,400$6,189$5,501
17 years$11,513$9,636$8,023$6,648$5,487$4,834
18 years$10,760$8,904$7,324$5,992$4,879$4,260
19 years$10,087$8,252$6,704$5,414$4,349$3,762
20 years$9,482$7,668$6,153$4,903$3,884$3,329
21 years$8,936$7,143$5,660$4,450$3,476$2,952
22 years$8,440$6,667$5,216$4,046$3,116$2,620
23 years$7,987$6,236$4,816$3,685$2,797$2,330
24 years$7,573$5,843$4,454$3,361$2,514$2,073
25 years$7,193$5,483$4,125$3,069$2,262$1,847
26 years$6,843$5,153$3,826$2,806$2,038$1,647
27 years$6,519$4,850$3,553$2,569$1,837$1,470
28 years$6,218$4,570$3,303$2,354$1,658$1,313
29 years$5,939$4,311$3,074$2,158$1,497$1,174
30 years$5,679$4,071$2,863$1,981$1,353$1,050
31 years$5,436$3,849$2,669$1,819$1,223$939
32 years$5,209$3,642$2,490$1,672$1,106$840
33 years$4,996$3,449$2,325$1,537$1,001$753
34 years$4,797$3,269$2,173$1,415$906$674
35 years$4,608$3,100$2,031$1,302$821$604
36 years$4,431$2,943$1,900$1,199$744$541
37 years$4,264$2,795$1,778$1,105$674$485
38 years$4,106$2,656$1,665$1,018$611$435
39 years$3,956$2,526$1,560$939$554$390
40 years$3,814$2,403$1,463$866$503$350
41 years$3,680$2,287$1,371$799$456$314
42 years$3,552$2,178$1,286$738$414$282
43 years$3,431$2,076$1,207$681$376$253
44 years$3,315$1,978$1,133$629$341$227
45 years$3,205$1,887$1,064$581$309$204
46 years$3,100$1,800$999$536$281$183
47 years$2,999$1,718$939$495$255$164
48 years$2,903$1,640$882$458$232$147
49 years$2,812$1,566$829$423$210$132
50 years$2,724$1,496$780$391$191$119

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 $4,201 every year, while hoping to spend $41,226 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: 22/48/30 Blend
51$2,790,000$2,790,000$2,790,000$2,790,000
52$3,078,913$2,931,043$2,887,798$3,117,410
53$3,349,098$3,030,800$2,940,675$3,252,237
54$3,645,461$3,134,064$2,993,942$3,392,675
55$3,970,626$3,240,962$3,047,568$3,542,040
56$4,327,489$3,351,628$3,101,520$3,701,091
57$4,719,235$3,466,200$3,155,764$3,870,658
58$5,149,375$3,584,821$3,210,260$4,051,654
59$5,621,776$3,707,642$3,264,968$4,245,078
60$6,140,698$3,834,817$3,319,845$4,452,028
61$6,710,832$3,966,507$3,374,843$4,673,708
62$7,337,350$4,102,878$3,429,913$4,911,441
63$8,025,946$4,244,105$3,485,001$5,166,677
64$8,782,894$4,390,368$3,540,051$5,441,012
65$9,615,108$4,541,855$3,595,001$5,736,196
66$10,530,203$4,698,760$3,649,787$6,054,155
67$11,536,569$4,861,285$3,704,341$6,397,004
68$12,643,452$5,029,641$3,758,590$6,767,066
69$13,861,037$5,204,046$3,812,455$7,166,898
70$15,200,546$5,384,727$3,865,856$7,599,309
71$16,674,344$5,571,921$3,918,704$8,067,390
72$18,296,055$5,765,873$3,970,908$8,574,537
73$20,080,689$5,966,838$4,022,370$9,124,489
74$22,044,787$6,175,080$4,072,987$9,721,357
75$24,206,573$6,390,877$4,122,650$10,369,664
76$26,586,127$6,614,513$4,171,242$11,074,388
77$29,205,576$6,846,288$4,218,643$11,841,005
78$32,089,300$7,086,512$4,264,723$12,675,542
79$35,264,164$7,335,506$4,309,346$13,584,633
80$38,759,769$7,593,606$4,352,370$14,575,579
81$42,608,733$7,861,161$4,393,642$15,656,417
82$46,847,000$8,138,534$4,433,005$16,835,994
83$51,514,173$8,426,101$4,470,290$18,124,049
84$56,653,894$8,724,255$4,505,320$19,531,307
85$62,314,253$9,033,406$4,537,910$21,069,575
86$68,548,241$9,353,977$4,567,864$22,751,853
87$75,414,250$9,686,411$4,594,976$24,592,457
88$82,976,627$10,031,168$4,619,031$26,607,152
89$91,306,274$10,388,726$4,639,800$28,813,298
90$100,481,326$10,759,586$4,657,045$31,230,016
91$110,587,880$11,144,264$4,670,515$33,878,362
92$121,720,813$11,543,302$4,679,946$36,781,530
93$133,984,673$11,957,261$4,685,061$39,965,062
94$147,494,669$12,386,727$4,685,571$43,457,096
95$162,377,757$12,832,308$4,681,170$47,288,622
96$178,773,838$13,294,640$4,671,538$51,493,780
97$196,837,075$13,774,383$4,656,340$56,110,173
98$216,737,354$14,272,225$4,635,225$61,179,226
99$238,661,882$14,788,883$4,607,823$66,746,573
100$262,816,958$15,325,102$4,573,749$72,862,484