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%19.5%
1 years$230,396$228,343$226,341$224,387$222,479$213,990
2 years$114,057$111,933$109,874$107,878$105,942$97,490
3 years$75,283$73,149$71,096$69,119$67,214$59,064
4 years$55,899$53,773$51,740$49,796$47,938$40,152
5 years$44,272$42,158$40,152$38,248$36,441$29,040
6 years$36,524$34,425$32,449$30,587$28,835$21,823
7 years$30,991$28,910$26,965$25,148$23,450$16,826
8 years$26,843$24,782$22,869$21,096$19,454$13,211
9 years$23,619$21,577$19,697$17,969$16,383$10,512
10 years$21,041$19,019$17,172$15,489$13,960$8,449
11 years$18,933$16,931$15,118$13,480$12,006$6,845
12 years$17,178$15,197$13,417$11,824$10,404$5,578
13 years$15,694$13,733$11,987$10,439$9,072$4,568
14 years$14,423$12,483$10,770$9,266$7,953$3,756
15 years$13,323$11,404$9,724$8,264$7,002$3,097
16 years$12,361$10,463$8,816$7,400$6,189$2,561
17 years$11,513$9,636$8,023$6,648$5,487$2,122
18 years$10,760$8,904$7,324$5,992$4,879$1,761
19 years$10,087$8,252$6,704$5,414$4,349$1,464
20 years$9,482$7,668$6,153$4,903$3,884$1,218
21 years$8,936$7,143$5,660$4,450$3,476$1,014
22 years$8,440$6,667$5,216$4,046$3,116$845
23 years$7,987$6,236$4,816$3,685$2,797$705
24 years$7,573$5,843$4,454$3,361$2,514$588
25 years$7,193$5,483$4,125$3,069$2,262$491
26 years$6,843$5,153$3,826$2,806$2,038$410
27 years$6,519$4,850$3,553$2,569$1,837$343
28 years$6,218$4,570$3,303$2,354$1,658$286
29 years$5,939$4,311$3,074$2,158$1,497$239
30 years$5,679$4,071$2,863$1,981$1,353$200
31 years$5,436$3,849$2,669$1,819$1,223$167
32 years$5,209$3,642$2,490$1,672$1,106$140
33 years$4,996$3,449$2,325$1,537$1,001$117
34 years$4,797$3,269$2,173$1,415$906$98
35 years$4,608$3,100$2,031$1,302$821$82
36 years$4,431$2,943$1,900$1,199$744$69
37 years$4,264$2,795$1,778$1,105$674$57
38 years$4,106$2,656$1,665$1,018$611$48
39 years$3,956$2,526$1,560$939$554$40
40 years$3,814$2,403$1,463$866$503$34
41 years$3,680$2,287$1,371$799$456$28
42 years$3,552$2,178$1,286$738$414$24
43 years$3,431$2,076$1,207$681$376$20
44 years$3,315$1,978$1,133$629$341$16
45 years$3,205$1,887$1,064$581$309$14
46 years$3,100$1,800$999$536$281$12
47 years$2,999$1,718$939$495$255$10
48 years$2,903$1,640$882$458$232$8
49 years$2,812$1,566$829$423$210$7
50 years$2,724$1,496$780$391$191$6

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 $6,106 every year, while hoping to spend $30,211 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: 69/13/18 Blend
51$2,790,000$2,790,000$2,790,000$2,790,000
52$3,080,878$2,933,008$2,889,763$3,279,674
53$3,362,984$3,044,581$2,954,426$3,524,608
54$3,672,851$3,160,609$3,020,243$3,788,375
55$4,013,281$3,281,278$3,087,219$4,076,233
56$4,387,357$3,406,782$3,155,363$4,390,554
57$4,798,477$3,537,324$3,224,678$4,733,950
58$5,250,386$3,673,117$3,295,168$5,109,299
59$5,747,207$3,814,381$3,366,838$5,519,766
60$6,293,484$3,961,348$3,439,689$5,968,839
61$6,894,223$4,114,257$3,513,722$6,460,358
62$7,554,939$4,273,362$3,588,938$6,998,551
63$8,281,711$4,438,924$3,665,335$7,588,074
64$9,081,232$4,611,219$3,742,910$8,234,055
65$9,960,880$4,790,531$3,821,660$8,942,143
66$10,928,784$4,977,160$3,901,579$9,718,557
67$11,993,898$5,171,419$3,982,660$10,570,149
68$13,166,091$5,373,634$4,064,895$11,504,464
69$14,456,235$5,584,145$4,148,271$12,529,815
70$15,876,310$5,803,308$4,232,778$13,655,358
71$17,439,518$6,031,494$4,318,400$14,891,178
72$19,160,403$6,269,092$4,405,121$16,248,385
73$21,054,994$6,516,506$4,492,922$17,739,218
74$23,140,950$6,774,162$4,581,782$19,377,160
75$25,437,731$7,042,500$4,671,676$21,177,064
76$27,966,781$7,321,984$4,762,578$23,155,292
77$30,751,727$7,613,096$4,854,459$25,329,873
78$33,818,607$7,916,341$4,947,287$27,720,665
79$37,196,109$8,232,246$5,041,026$30,349,551
80$40,915,849$8,561,363$5,135,637$33,240,637
81$45,012,664$8,904,268$5,231,079$36,420,483
82$49,524,940$9,261,562$5,327,305$39,918,353
83$54,494,980$9,633,874$5,424,265$43,766,487
84$59,969,396$10,021,862$5,521,906$48,000,410
85$65,999,554$10,426,213$5,620,170$52,659,263
86$72,642,057$10,847,646$5,718,994$57,786,170
87$79,959,278$11,286,912$5,818,311$63,428,650
88$88,019,948$11,744,794$5,918,049$69,639,059
89$96,899,809$12,222,115$6,018,129$76,475,086
90$106,682,323$12,719,733$6,118,470$84,000,297
91$117,459,464$13,238,543$6,218,983$92,284,732
92$129,332,583$13,779,485$6,319,572$101,405,567
93$142,413,366$14,343,540$6,420,137$111,447,842
94$156,824,887$14,931,731$6,520,570$122,505,260
95$172,702,773$15,545,134$6,620,757$134,681,073
96$190,196,478$16,184,867$6,720,574$148,089,054
97$209,470,699$16,852,106$6,819,894$162,854,572
98$230,706,927$17,548,076$6,918,577$179,115,770
99$254,105,162$18,274,060$7,016,477$197,024,874
100$279,885,800$19,031,400$7,113,441$216,749,621