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

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 $2,790,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.3%
1 years$230,396$228,343$226,341$224,387$222,479$219,426
2 years$114,057$111,933$109,874$107,878$105,942$102,872
3 years$75,283$73,149$71,096$69,119$67,214$64,222
4 years$55,899$53,773$51,740$49,796$47,938$45,046
5 years$44,272$42,158$40,152$38,248$36,441$33,660
6 years$36,524$34,425$32,449$30,587$28,835$26,166
7 years$30,991$28,910$26,965$25,148$23,450$20,895
8 years$26,843$24,782$22,869$21,096$19,454$17,012
9 years$23,619$21,577$19,697$17,969$16,383$14,054
10 years$21,041$19,019$17,172$15,489$13,960$11,740
11 years$18,933$16,931$15,118$13,480$12,006$9,895
12 years$17,178$15,197$13,417$11,824$10,404$8,399
13 years$15,694$13,733$11,987$10,439$9,072$7,171
14 years$14,423$12,483$10,770$9,266$7,953$6,152
15 years$13,323$11,404$9,724$8,264$7,002$5,298
16 years$12,361$10,463$8,816$7,400$6,189$4,579
17 years$11,513$9,636$8,023$6,648$5,487$3,968
18 years$10,760$8,904$7,324$5,992$4,879$3,447
19 years$10,087$8,252$6,704$5,414$4,349$3,001
20 years$9,482$7,668$6,153$4,903$3,884$2,617
21 years$8,936$7,143$5,660$4,450$3,476$2,286
22 years$8,440$6,667$5,216$4,046$3,116$1,999
23 years$7,987$6,236$4,816$3,685$2,797$1,750
24 years$7,573$5,843$4,454$3,361$2,514$1,534
25 years$7,193$5,483$4,125$3,069$2,262$1,346
26 years$6,843$5,153$3,826$2,806$2,038$1,181
27 years$6,519$4,850$3,553$2,569$1,837$1,038
28 years$6,218$4,570$3,303$2,354$1,658$912
29 years$5,939$4,311$3,074$2,158$1,497$802
30 years$5,679$4,071$2,863$1,981$1,353$706
31 years$5,436$3,849$2,669$1,819$1,223$621
32 years$5,209$3,642$2,490$1,672$1,106$547
33 years$4,996$3,449$2,325$1,537$1,001$482
34 years$4,797$3,269$2,173$1,415$906$424
35 years$4,608$3,100$2,031$1,302$821$374
36 years$4,431$2,943$1,900$1,199$744$329
37 years$4,264$2,795$1,778$1,105$674$290
38 years$4,106$2,656$1,665$1,018$611$256
39 years$3,956$2,526$1,560$939$554$226
40 years$3,814$2,403$1,463$866$503$199
41 years$3,680$2,287$1,371$799$456$176
42 years$3,552$2,178$1,286$738$414$155
43 years$3,431$2,076$1,207$681$376$137
44 years$3,315$1,978$1,133$629$341$120
45 years$3,205$1,887$1,064$581$309$106
46 years$3,100$1,800$999$536$281$94
47 years$2,999$1,718$939$495$255$83
48 years$2,903$1,640$882$458$232$73
49 years$2,812$1,566$829$423$210$64
50 years$2,724$1,496$780$391$191$57

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 $3,049 every year, while hoping to spend $38,643 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: 50/38/12 Blend
51$2,790,000$2,790,000$2,790,000$2,790,000
52$3,077,725$2,929,855$2,886,610$3,221,491
53$3,350,537$3,032,302$2,942,196$3,422,801
54$3,649,881$3,138,474$2,998,348$3,637,121
55$3,978,422$3,248,512$3,055,046$3,869,141
56$4,339,096$3,362,564$3,112,265$4,120,533
57$4,735,137$3,480,784$3,169,979$4,393,139
58$5,170,109$3,603,329$3,228,161$4,688,981
59$5,647,935$3,730,367$3,286,779$5,010,284
60$6,172,939$3,862,070$3,345,802$5,359,496
61$6,749,884$3,998,618$3,405,192$5,739,308
62$7,384,019$4,140,196$3,464,911$6,152,680
63$8,081,122$4,286,999$3,524,920$6,602,871
64$8,847,564$4,439,230$3,585,172$7,093,465
65$9,690,362$4,597,098$3,645,621$7,628,407
66$10,617,246$4,760,822$3,706,217$8,212,038
67$11,636,733$4,930,631$3,766,903$8,849,134
68$12,758,209$5,106,761$3,827,624$9,544,954
69$13,992,013$5,289,459$3,888,316$10,305,286
70$15,349,538$5,478,983$3,948,914$11,136,502
71$16,843,336$5,675,598$4,009,348$12,045,616
72$18,487,238$5,879,584$4,069,543$13,040,351
73$20,296,484$6,091,231$4,129,420$14,129,210
74$22,287,864$6,310,840$4,188,894$15,321,554
75$24,479,881$6,538,726$4,247,877$16,627,693
76$26,892,921$6,775,216$4,306,273$18,058,979
77$29,549,448$7,020,651$4,363,982$19,627,912
78$32,474,215$7,275,385$4,420,899$21,348,261
79$35,694,496$7,539,790$4,476,910$23,235,186
80$39,240,344$7,814,249$4,531,896$25,305,386
81$43,144,877$8,099,165$4,585,732$27,577,254
82$47,444,585$8,394,956$4,638,285$30,071,047
83$52,179,681$8,702,056$4,689,415$32,809,076
84$57,394,472$9,020,920$4,738,974$35,815,920
85$63,137,784$9,352,022$4,786,806$39,118,650
86$69,463,420$9,695,853$4,832,746$42,747,088
87$76,430,667$10,052,928$4,876,621$46,734,085
88$84,104,855$10,423,781$4,918,248$51,115,829
89$92,557,976$10,808,972$4,957,435$55,932,185
90$101,869,359$11,209,081$4,993,979$61,227,073
91$112,126,423$11,624,716$5,027,667$67,048,874
92$123,425,499$12,056,508$5,058,275$73,450,892
93$135,872,740$12,505,117$5,085,566$80,491,850
94$149,585,121$12,971,229$5,109,295$88,236,446
95$164,691,546$13,455,561$5,129,198$96,755,959
96$181,334,061$13,958,862$5,145,004$106,128,922
97$199,669,199$14,481,909$5,156,425$116,441,858
98$219,869,451$15,025,516$5,163,159$127,790,098
99$242,124,899$15,590,531$5,164,889$140,278,676
100$266,645,009$16,177,838$5,161,284$154,023,319