Can I retire at age 52 with 2,800,000?

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 $2,800,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.1%
1 years$231,221$229,162$227,152$225,191$223,276$215,956
2 years$114,466$112,334$110,268$108,265$106,322$99,017
3 years$75,553$73,412$71,351$69,366$67,455$60,394
4 years$56,100$53,965$51,925$49,975$48,109$41,347
5 years$44,431$42,309$40,296$38,385$36,572$30,126
6 years$36,655$34,549$32,565$30,697$28,938$22,814
7 years$31,102$29,014$27,062$25,238$23,535$17,732
8 years$26,940$24,870$22,951$21,171$19,524$14,038
9 years$23,704$21,654$19,767$18,033$16,442$11,267
10 years$21,117$19,087$17,234$15,545$14,010$9,136
11 years$19,001$16,992$15,172$13,529$12,049$7,468
12 years$17,240$15,251$13,465$11,866$10,441$6,144
13 years$15,750$13,783$12,030$10,476$9,105$5,080
14 years$14,475$12,528$10,809$9,300$7,981$4,217
15 years$13,370$11,445$9,759$8,294$7,027$3,513
16 years$12,405$10,500$8,848$7,426$6,211$2,934
17 years$11,554$9,670$8,051$6,672$5,507$2,456
18 years$10,799$8,936$7,350$6,013$4,896$2,060
19 years$10,123$8,282$6,728$5,433$4,364$1,730
20 years$9,516$7,696$6,175$4,921$3,898$1,455
21 years$8,968$7,168$5,680$4,466$3,489$1,225
22 years$8,470$6,691$5,235$4,061$3,127$1,032
23 years$8,016$6,258$4,833$3,698$2,807$871
24 years$7,601$5,864$4,470$3,373$2,523$735
25 years$7,219$5,503$4,140$3,080$2,270$620
26 years$6,867$5,172$3,840$2,816$2,045$524
27 years$6,542$4,867$3,566$2,578$1,844$443
28 years$6,241$4,586$3,315$2,362$1,664$374
29 years$5,961$4,327$3,085$2,166$1,502$316
30 years$5,700$4,086$2,873$1,988$1,357$268
31 years$5,456$3,863$2,679$1,826$1,227$226
32 years$5,228$3,655$2,499$1,678$1,110$192
33 years$5,014$3,461$2,334$1,543$1,005$162
34 years$4,814$3,280$2,180$1,420$910$137
35 years$4,625$3,111$2,038$1,307$824$116
36 years$4,447$2,953$1,907$1,204$746$98
37 years$4,279$2,805$1,785$1,109$677$83
38 years$4,120$2,666$1,671$1,022$613$70
39 years$3,970$2,535$1,566$942$556$60
40 years$3,828$2,412$1,468$869$504$50
41 years$3,693$2,296$1,376$802$458$43
42 years$3,565$2,186$1,291$740$415$36
43 years$3,443$2,083$1,211$683$377$31
44 years$3,327$1,986$1,137$631$342$26
45 years$3,216$1,893$1,068$583$311$22
46 years$3,111$1,806$1,003$538$282$19
47 years$3,010$1,724$942$497$256$16
48 years$2,914$1,646$885$459$233$13
49 years$2,822$1,571$832$425$211$11
50 years$2,734$1,501$782$392$192$10

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,800,000, adding $2,726 every year, while hoping to spend $49,136 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: 59/31/10 Blend
51$2,800,000$2,800,000$2,800,000$2,800,000
52$3,088,412$2,940,012$2,896,612$3,263,230
53$3,351,150$3,031,792$2,941,368$3,472,865
54$3,639,040$3,126,423$2,985,977$3,695,558
55$3,954,596$3,223,992$3,030,381$3,937,178
56$4,300,587$3,324,589$3,074,521$4,199,547
57$4,680,061$3,428,309$3,118,332$4,484,672
58$5,096,377$3,535,246$3,161,746$4,794,761
59$5,553,235$3,645,500$3,204,692$5,132,244
60$6,054,708$3,759,173$3,247,092$5,499,796
61$6,605,286$3,876,370$3,288,867$5,900,360
62$7,209,912$3,997,199$3,329,931$6,337,178
63$7,874,032$4,121,771$3,370,193$6,813,819
64$8,603,648$4,250,202$3,409,559$7,334,209
65$9,405,367$4,382,609$3,447,927$7,902,677
66$10,286,473$4,519,116$3,485,191$8,523,984
67$11,254,987$4,659,846$3,521,238$9,203,376
68$12,319,747$4,804,930$3,555,951$9,946,629
69$13,490,491$4,954,500$3,589,204$10,760,105
70$14,777,945$5,108,695$3,620,867$11,650,810
71$16,193,929$5,267,655$3,650,800$12,626,460
72$17,751,466$5,431,526$3,678,858$13,695,555
73$19,464,903$5,600,458$3,704,887$14,867,456
74$21,350,048$5,774,606$3,728,726$16,152,476
75$23,424,320$5,954,128$3,750,205$17,561,973
76$25,706,909$6,139,189$3,769,145$19,108,460
77$28,218,961$6,329,957$3,785,359$20,805,723
78$30,983,776$6,526,605$3,798,649$22,668,945
79$34,027,026$6,729,314$3,808,809$24,714,855
80$37,376,999$6,938,267$3,815,620$26,961,885
81$41,064,865$7,153,654$3,818,855$29,430,337
82$45,124,968$7,375,670$3,818,274$32,142,581
83$49,595,154$7,604,517$3,813,626$35,123,264
84$54,517,123$7,840,402$3,804,646$38,399,538
85$59,936,826$8,083,538$3,791,058$42,001,320
86$65,904,896$8,334,145$3,772,572$45,961,574
87$72,477,126$8,592,448$3,748,883$50,316,616
88$79,714,996$8,858,682$3,719,674$55,106,465
89$87,686,253$9,133,085$3,684,611$60,375,210
90$96,465,548$9,415,903$3,643,343$66,171,433
91$106,135,144$9,707,392$3,595,504$72,548,664
92$116,785,686$10,007,812$3,540,712$79,565,886
93$128,517,064$10,317,433$3,478,563$87,288,090
94$141,439,348$10,636,531$3,408,639$95,786,890
95$155,673,832$10,965,391$3,330,499$105,141,195
96$171,354,175$11,304,308$3,243,683$115,437,957
97$188,627,664$11,653,582$3,147,709$126,772,988
98$207,656,603$12,013,524$3,042,074$139,251,863
99$228,619,844$12,384,454$2,926,251$152,990,919
100$251,714,477$12,766,701$2,799,689$168,118,350