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

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 $2,800,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.9%
1 years$231,221$229,162$227,152$225,191$223,276$217,878
2 years$114,466$112,334$110,268$108,265$106,322$100,916
3 years$75,553$73,412$71,351$69,366$67,455$62,210
4 years$56,100$53,965$51,925$49,975$48,109$43,066
5 years$44,431$42,309$40,296$38,385$36,572$31,744
6 years$36,655$34,549$32,565$30,697$28,938$24,331
7 years$31,102$29,014$27,062$25,238$23,535$19,148
8 years$26,940$24,870$22,951$21,171$19,524$15,357
9 years$23,704$21,654$19,767$18,033$16,442$12,490
10 years$21,117$19,087$17,234$15,545$14,010$10,269
11 years$19,001$16,992$15,172$13,529$12,049$8,514
12 years$17,240$15,251$13,465$11,866$10,441$7,106
13 years$15,750$13,783$12,030$10,476$9,105$5,964
14 years$14,475$12,528$10,809$9,300$7,981$5,027
15 years$13,370$11,445$9,759$8,294$7,027$4,252
16 years$12,405$10,500$8,848$7,426$6,211$3,608
17 years$11,554$9,670$8,051$6,672$5,507$3,069
18 years$10,799$8,936$7,350$6,013$4,896$2,617
19 years$10,123$8,282$6,728$5,433$4,364$2,234
20 years$9,516$7,696$6,175$4,921$3,898$1,911
21 years$8,968$7,168$5,680$4,466$3,489$1,636
22 years$8,470$6,691$5,235$4,061$3,127$1,403
23 years$8,016$6,258$4,833$3,698$2,807$1,204
24 years$7,601$5,864$4,470$3,373$2,523$1,034
25 years$7,219$5,503$4,140$3,080$2,270$888
26 years$6,867$5,172$3,840$2,816$2,045$764
27 years$6,542$4,867$3,566$2,578$1,844$657
28 years$6,241$4,586$3,315$2,362$1,664$565
29 years$5,961$4,327$3,085$2,166$1,502$487
30 years$5,700$4,086$2,873$1,988$1,357$419
31 years$5,456$3,863$2,679$1,826$1,227$361
32 years$5,228$3,655$2,499$1,678$1,110$311
33 years$5,014$3,461$2,334$1,543$1,005$268
34 years$4,814$3,280$2,180$1,420$910$231
35 years$4,625$3,111$2,038$1,307$824$199
36 years$4,447$2,953$1,907$1,204$746$172
37 years$4,279$2,805$1,785$1,109$677$148
38 years$4,120$2,666$1,671$1,022$613$128
39 years$3,970$2,535$1,566$942$556$110
40 years$3,828$2,412$1,468$869$504$95
41 years$3,693$2,296$1,376$802$458$82
42 years$3,565$2,186$1,291$740$415$71
43 years$3,443$2,083$1,211$683$377$61
44 years$3,327$1,986$1,137$631$342$53
45 years$3,216$1,893$1,068$583$311$45
46 years$3,111$1,806$1,003$538$282$39
47 years$3,010$1,724$942$497$256$34
48 years$2,914$1,646$885$459$233$29
49 years$2,822$1,571$832$425$211$25
50 years$2,734$1,501$782$392$192$22

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 $5,755 every year, while hoping to spend $36,504 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: 60/17/23 Blend
51$2,800,000$2,800,000$2,800,000$2,800,000
52$3,091,536$2,943,136$2,899,736$3,257,797
53$3,368,033$3,048,510$2,958,037$3,476,724
54$3,671,509$3,157,824$3,017,068$3,711,003
55$4,004,677$3,271,231$3,076,815$3,965,817
56$4,370,527$3,388,895$3,137,261$4,243,169
57$4,772,351$3,510,981$3,198,389$4,545,261
58$5,213,776$3,637,664$3,260,180$4,874,517
59$5,698,798$3,769,125$3,322,612$5,233,608
60$6,231,817$3,905,555$3,385,663$5,625,471
61$6,817,685$4,047,150$3,449,305$6,053,343
62$7,461,744$4,194,115$3,513,511$6,520,786
63$8,169,879$4,346,664$3,578,251$7,031,723
64$8,948,575$4,505,019$3,643,491$7,590,474
65$9,804,978$4,669,413$3,709,196$8,201,795
66$10,746,959$4,840,087$3,775,327$8,870,925
67$11,783,190$5,017,293$3,841,842$9,603,635
68$12,923,229$5,201,294$3,908,697$10,406,279
69$14,177,603$5,392,362$3,975,844$11,285,856
70$15,557,914$5,590,783$4,043,230$12,250,076
71$17,076,944$5,796,854$4,110,801$13,307,429
72$18,748,777$6,010,885$4,178,497$14,467,270
73$20,588,931$6,233,197$4,246,255$15,739,901
74$22,614,506$6,464,128$4,314,009$17,136,674
75$24,844,343$6,704,027$4,381,686$18,670,092
76$27,299,203$6,953,261$4,449,209$20,353,929
77$30,001,962$7,212,211$4,516,498$22,203,360
78$32,977,826$7,481,274$4,583,465$24,235,101
79$36,254,573$7,760,865$4,650,019$26,467,570
80$39,862,807$8,051,415$4,716,063$28,921,059
81$43,836,255$8,353,376$4,781,492$31,617,922
82$48,212,078$8,667,217$4,846,198$34,582,790
83$53,031,229$8,993,428$4,910,063$37,842,799
84$58,338,830$9,332,522$4,972,967$41,427,848
85$64,184,607$9,685,032$5,034,777$45,370,878
86$70,623,352$10,051,514$5,095,358$49,708,187
87$77,715,445$10,432,549$5,154,563$54,479,765
88$85,527,419$10,828,743$5,212,240$59,729,677
89$94,132,592$11,240,728$5,268,226$65,506,474
90$103,611,756$11,669,163$5,322,351$71,863,655
91$114,053,941$12,114,738$5,374,435$78,860,165
92$125,557,252$12,578,169$5,424,289$86,560,956
93$138,229,800$13,060,208$5,471,711$95,037,596
94$152,190,718$13,561,637$5,516,492$104,368,946
95$167,571,287$14,083,272$5,558,409$114,641,902
96$184,516,172$14,625,966$5,597,230$125,952,214
97$203,184,793$15,190,610$5,632,709$138,405,392
98$223,752,825$15,778,133$5,664,587$152,117,694
99$246,413,855$16,389,504$5,692,593$167,217,233
100$271,381,216$17,025,737$5,716,443$183,845,174