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%
1 years$232,873$230,799$228,775$226,800$224,871$222,061
2 years$115,284$113,137$111,056$109,038$107,081$104,254
3 years$76,092$73,936$71,860$69,862$67,937$65,180
4 years$56,501$54,351$52,296$50,332$48,453$45,788
5 years$44,748$42,612$40,584$38,659$36,833$34,267
6 years$36,916$34,796$32,798$30,916$29,145$26,681
7 years$31,324$29,221$27,255$25,418$23,703$21,342
8 years$27,132$25,048$23,114$21,323$19,664$17,407
9 years$23,873$21,809$19,909$18,162$16,560$14,405
10 years$21,267$19,223$17,357$15,656$14,110$12,056
11 years$19,137$17,113$15,281$13,625$12,135$10,180
12 years$17,363$15,360$13,561$11,951$10,516$8,657
13 years$15,863$13,881$12,116$10,551$9,170$7,406
14 years$14,578$12,618$10,886$9,366$8,038$6,366
15 years$13,466$11,526$9,829$8,353$7,078$5,494
16 years$12,494$10,575$8,911$7,479$6,255$4,758
17 years$11,637$9,739$8,109$6,720$5,546$4,132
18 years$10,876$9,000$7,402$6,056$4,931$3,598
19 years$10,196$8,341$6,777$5,472$4,396$3,139
20 years$9,584$7,751$6,219$4,956$3,926$2,743
21 years$9,032$7,219$5,720$4,498$3,513$2,401
22 years$8,530$6,739$5,272$4,090$3,149$2,105
23 years$8,073$6,303$4,868$3,725$2,827$1,847
24 years$7,655$5,905$4,502$3,397$2,541$1,623
25 years$7,270$5,542$4,170$3,102$2,287$1,427
26 years$6,916$5,209$3,867$2,837$2,060$1,256
27 years$6,589$4,902$3,591$2,596$1,857$1,106
28 years$6,285$4,619$3,338$2,379$1,676$974
29 years$6,003$4,357$3,107$2,181$1,513$859
30 years$5,740$4,115$2,894$2,002$1,367$757
31 years$5,495$3,890$2,698$1,839$1,236$668
32 years$5,265$3,681$2,517$1,690$1,118$590
33 years$5,050$3,486$2,350$1,554$1,012$521
34 years$4,848$3,304$2,196$1,430$916$460
35 years$4,658$3,134$2,053$1,316$830$406
36 years$4,479$2,974$1,921$1,212$752$359
37 years$4,310$2,825$1,798$1,117$681$317
38 years$4,150$2,685$1,683$1,029$618$280
39 years$3,999$2,553$1,577$949$560$248
40 years$3,855$2,429$1,478$875$508$219
41 years$3,719$2,312$1,386$808$461$194
42 years$3,590$2,202$1,300$745$418$171
43 years$3,467$2,098$1,220$688$380$151
44 years$3,351$2,000$1,145$635$345$134
45 years$3,239$1,907$1,075$587$313$118
46 years$3,133$1,819$1,010$542$284$105
47 years$3,032$1,736$949$501$258$93
48 years$2,935$1,657$892$463$234$82
49 years$2,842$1,583$838$428$213$73
50 years$2,753$1,512$788$395$193$64

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 $6,337 every year, while hoping to spend $27,790 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: 49/29/22 Blend
51$2,820,000$2,820,000$2,820,000$2,820,000
52$3,114,177$2,964,717$2,921,007$3,247,171
53$3,402,254$3,080,419$2,989,292$3,456,035
54$3,718,784$3,200,860$3,058,934$3,679,495
55$4,066,640$3,326,242$3,129,947$3,921,688
56$4,448,986$3,456,776$3,202,349$4,184,390
57$4,869,309$3,592,685$3,276,154$4,469,554
58$5,331,450$3,734,198$3,351,377$4,779,330
59$5,839,642$3,881,558$3,428,032$5,116,079
60$6,398,548$4,035,017$3,506,134$5,482,399
61$7,013,305$4,194,837$3,585,694$5,881,147
62$7,689,573$4,361,296$3,666,727$6,315,466
63$8,433,590$4,534,679$3,749,242$6,788,815
64$9,252,226$4,715,289$3,833,252$7,304,998
65$10,153,053$4,903,438$3,918,766$7,868,200
66$11,144,413$5,099,455$4,005,793$8,483,029
67$12,235,498$5,303,683$4,094,342$9,154,554
68$13,436,436$5,516,480$4,184,419$9,888,356
69$14,758,386$5,738,221$4,276,031$10,690,574
70$16,213,645$5,969,298$4,369,181$11,567,970
71$17,815,763$6,210,120$4,463,875$12,527,985
72$19,579,669$6,461,114$4,560,113$13,578,812
73$21,521,814$6,722,727$4,657,896$14,729,470
74$23,660,326$6,995,428$4,757,223$15,989,890
75$26,015,180$7,279,705$4,858,090$17,371,006
76$28,608,387$7,576,069$4,960,494$18,884,858
77$31,464,200$7,885,053$5,064,428$20,544,704
78$34,609,345$8,207,217$5,169,883$22,365,142
79$38,073,272$8,543,145$5,276,848$24,362,252
80$41,888,434$8,893,448$5,385,311$26,553,739
81$46,090,590$9,258,763$5,495,255$28,959,104
82$50,719,147$9,639,759$5,606,663$31,599,824
83$55,817,527$10,037,134$5,719,513$34,499,556
84$61,433,581$10,451,619$5,833,782$37,684,353
85$67,620,035$10,883,978$5,949,444$41,182,915
86$74,434,996$11,335,010$6,066,467$45,026,853
87$81,942,490$11,805,550$6,184,818$49,250,988
88$90,213,075$12,296,473$6,304,461$53,893,677
89$99,324,502$12,808,694$6,425,354$58,997,173
90$109,362,450$13,343,169$6,547,452$64,608,021
91$120,421,335$13,900,898$6,670,706$70,777,499
92$132,605,199$14,482,930$6,795,062$77,562,093
93$146,028,695$15,090,360$6,920,463$85,024,034
94$160,818,167$15,724,333$7,046,844$93,231,880
95$177,112,844$16,386,048$7,174,136$102,261,161
96$195,066,151$17,076,762$7,302,267$112,195,088
97$214,847,161$17,797,786$7,431,156$123,125,339
98$236,642,189$18,550,494$7,560,717$135,152,918
99$260,656,548$19,336,325$7,690,857$148,389,109
100$287,116,494$20,156,783$7,821,478$162,956,518