Can I retire at age 52 with 2,820,000?

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 $2,820,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.7%
1 years$232,873$230,799$228,775$226,800$224,871$221,419
2 years$115,284$113,137$111,056$109,038$107,081$103,612
3 years$76,092$73,936$71,860$69,862$67,937$64,558
4 years$56,501$54,351$52,296$50,332$48,453$45,191
5 years$44,748$42,612$40,584$38,659$36,833$33,697
6 years$36,916$34,796$32,798$30,916$29,145$26,138
7 years$31,324$29,221$27,255$25,418$23,703$20,826
8 years$27,132$25,048$23,114$21,323$19,664$16,917
9 years$23,873$21,809$19,909$18,162$16,560$13,942
10 years$21,267$19,223$17,357$15,656$14,110$11,619
11 years$19,137$17,113$15,281$13,625$12,135$9,768
12 years$17,363$15,360$13,561$11,951$10,516$8,270
13 years$15,863$13,881$12,116$10,551$9,170$7,042
14 years$14,578$12,618$10,886$9,366$8,038$6,025
15 years$13,466$11,526$9,829$8,353$7,078$5,175
16 years$12,494$10,575$8,911$7,479$6,255$4,460
17 years$11,637$9,739$8,109$6,720$5,546$3,854
18 years$10,876$9,000$7,402$6,056$4,931$3,339
19 years$10,196$8,341$6,777$5,472$4,396$2,898
20 years$9,584$7,751$6,219$4,956$3,926$2,520
21 years$9,032$7,219$5,720$4,498$3,513$2,194
22 years$8,530$6,739$5,272$4,090$3,149$1,913
23 years$8,073$6,303$4,868$3,725$2,827$1,670
24 years$7,655$5,905$4,502$3,397$2,541$1,459
25 years$7,270$5,542$4,170$3,102$2,287$1,276
26 years$6,916$5,209$3,867$2,837$2,060$1,117
27 years$6,589$4,902$3,591$2,596$1,857$978
28 years$6,285$4,619$3,338$2,379$1,676$857
29 years$6,003$4,357$3,107$2,181$1,513$751
30 years$5,740$4,115$2,894$2,002$1,367$658
31 years$5,495$3,890$2,698$1,839$1,236$577
32 years$5,265$3,681$2,517$1,690$1,118$507
33 years$5,050$3,486$2,350$1,554$1,012$445
34 years$4,848$3,304$2,196$1,430$916$391
35 years$4,658$3,134$2,053$1,316$830$343
36 years$4,479$2,974$1,921$1,212$752$301
37 years$4,310$2,825$1,798$1,117$681$265
38 years$4,150$2,685$1,683$1,029$618$232
39 years$3,999$2,553$1,577$949$560$204
40 years$3,855$2,429$1,478$875$508$180
41 years$3,719$2,312$1,386$808$461$158
42 years$3,590$2,202$1,300$745$418$139
43 years$3,467$2,098$1,220$688$380$122
44 years$3,351$2,000$1,145$635$345$107
45 years$3,239$1,907$1,075$587$313$94
46 years$3,133$1,819$1,010$542$284$83
47 years$3,032$1,736$949$501$258$73
48 years$2,935$1,657$892$463$234$64
49 years$2,842$1,583$838$428$213$56
50 years$2,753$1,512$788$395$193$50

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,820,000, adding $6,772 every year, while hoping to spend $38,892 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: 71/8/21 Blend
51$2,820,000$2,820,000$2,820,000$2,820,000
52$3,114,625$2,965,165$2,921,455$3,319,257
53$3,390,936$3,069,078$2,977,943$3,560,461
54$3,694,128$3,176,778$3,035,020$3,819,219
55$4,026,900$3,288,411$3,092,664$4,101,578
56$4,392,228$3,404,128$3,150,853$4,409,873
57$4,793,389$3,524,084$3,209,560$4,746,677
58$5,233,992$3,648,442$3,268,758$5,114,821
59$5,718,015$3,777,371$3,328,418$5,517,425
60$6,249,839$3,911,048$3,388,505$5,957,925
61$6,834,288$4,049,656$3,448,987$6,440,104
62$7,476,681$4,193,385$3,509,823$6,968,129
63$8,182,875$4,342,433$3,570,975$7,546,594
64$8,959,324$4,497,007$3,632,398$8,180,553
65$9,813,136$4,657,322$3,694,044$8,875,579
66$10,752,147$4,823,601$3,755,865$9,637,809
67$11,784,985$4,996,077$3,817,806$10,474,002
68$12,921,161$5,174,992$3,879,810$11,391,608
69$14,171,151$5,360,599$3,941,815$12,398,832
70$15,546,499$5,553,159$4,003,757$13,504,714
71$17,059,924$5,752,946$4,065,565$14,719,212
72$18,725,441$5,960,244$4,127,166$16,053,302
73$20,558,490$6,175,351$4,188,480$17,519,071
74$22,576,087$6,398,574$4,249,425$19,129,842
75$24,796,978$6,630,234$4,309,911$20,900,288
76$27,241,822$6,870,668$4,369,845$22,846,583
77$29,933,379$7,120,222$4,429,126$24,986,542
78$32,896,731$7,379,260$4,487,650$27,339,797
79$36,159,515$7,648,161$4,545,303$29,927,979
80$39,752,183$7,927,319$4,601,969$32,774,923
81$43,708,293$8,217,144$4,657,521$35,906,892
82$48,064,818$8,518,064$4,711,828$39,352,824
83$52,862,506$8,830,525$4,764,750$43,144,605
84$58,146,252$9,154,991$4,816,140$47,317,372
85$63,965,531$9,491,947$4,865,842$51,909,841
86$70,374,860$9,841,898$4,913,692$56,964,674
87$77,434,313$10,205,368$4,959,518$62,528,882
88$85,210,089$10,582,907$5,003,138$68,654,267
89$93,775,134$10,975,085$5,044,360$75,397,909
90$103,209,833$11,382,500$5,082,981$82,822,711
91$113,602,765$11,805,771$5,118,789$90,997,984
92$125,051,540$12,245,547$5,151,562$100,000,106
93$137,663,720$12,702,502$5,181,063$109,913,243
94$151,557,836$13,177,341$5,207,045$120,830,141
95$166,864,504$13,670,799$5,229,249$132,853,001
96$183,727,655$14,183,641$5,247,401$146,094,445
97$202,305,902$14,716,665$5,261,215$160,678,579
98$222,774,028$15,270,706$5,270,390$176,742,162
99$245,324,640$15,846,631$5,274,609$194,435,898
100$270,169,986$16,445,349$5,273,541$213,925,858