Can I retire at age 52 with 2,840,000?

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 $2,840,000?

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$234,525$232,436$230,397$228,408$226,466$222,989
2 years$116,101$113,939$111,843$109,812$107,841$104,347
3 years$76,632$74,460$72,370$70,357$68,419$65,016
4 years$56,901$54,736$52,667$50,689$48,797$45,511
5 years$45,066$42,914$40,872$38,934$37,094$33,936
6 years$37,178$35,042$33,030$31,136$29,352$26,323
7 years$31,546$29,429$27,448$25,598$23,871$20,974
8 years$27,324$25,226$23,278$21,474$19,803$17,037
9 years$24,042$21,964$20,050$18,291$16,677$14,041
10 years$21,418$19,360$17,480$15,767$14,210$11,701
11 years$19,273$17,235$15,389$13,722$12,221$9,837
12 years$17,486$15,469$13,657$12,036$10,590$8,329
13 years$15,975$13,980$12,202$10,626$9,235$7,092
14 years$14,682$12,707$10,963$9,433$8,095$6,068
15 years$13,561$11,608$9,899$8,412$7,128$5,212
16 years$12,582$10,650$8,974$7,532$6,300$4,492
17 years$11,719$9,808$8,166$6,768$5,586$3,882
18 years$10,953$9,063$7,455$6,099$4,966$3,363
19 years$10,268$8,400$6,825$5,511$4,427$2,919
20 years$9,652$7,806$6,263$4,991$3,954$2,538
21 years$9,096$7,271$5,761$4,530$3,538$2,210
22 years$8,591$6,787$5,310$4,119$3,172$1,927
23 years$8,131$6,348$4,903$3,751$2,847$1,682
24 years$7,709$5,947$4,534$3,421$2,559$1,469
25 years$7,322$5,581$4,199$3,124$2,303$1,285
26 years$6,965$5,245$3,895$2,857$2,074$1,124
27 years$6,635$4,937$3,617$2,615$1,870$985
28 years$6,330$4,652$3,362$2,396$1,687$863
29 years$6,046$4,388$3,129$2,197$1,524$756
30 years$5,781$4,144$2,914$2,016$1,377$663
31 years$5,534$3,918$2,717$1,852$1,245$582
32 years$5,303$3,707$2,535$1,702$1,126$510
33 years$5,086$3,511$2,367$1,565$1,019$448
34 years$4,882$3,327$2,211$1,440$923$393
35 years$4,691$3,156$2,068$1,326$836$345
36 years$4,511$2,995$1,934$1,221$757$303
37 years$4,340$2,845$1,810$1,125$686$266
38 years$4,179$2,704$1,695$1,037$622$234
39 years$4,027$2,571$1,588$956$564$206
40 years$3,883$2,446$1,489$882$512$181
41 years$3,746$2,328$1,396$813$464$159
42 years$3,616$2,217$1,309$751$421$140
43 years$3,492$2,113$1,229$693$382$123
44 years$3,374$2,014$1,153$640$347$108
45 years$3,262$1,920$1,083$591$315$95
46 years$3,155$1,832$1,017$546$286$83
47 years$3,053$1,748$956$504$260$73
48 years$2,955$1,669$898$466$236$64
49 years$2,862$1,594$844$431$214$57
50 years$2,773$1,522$794$398$195$50

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,840,000, adding $2,303 every year, while hoping to spend $43,024 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: 79/6/15 Blend
51$2,840,000$2,840,000$2,840,000$2,840,000
52$3,132,056$2,981,536$2,937,516$3,369,541
53$3,405,748$3,081,854$2,990,145$3,626,549
54$3,705,915$3,185,645$3,043,096$3,902,737
55$4,035,212$3,293,035$3,096,333$4,204,560
56$4,396,563$3,404,153$3,149,819$4,534,566
57$4,793,189$3,519,133$3,203,515$4,895,562
58$5,228,638$3,638,115$3,257,377$5,290,639
59$5,706,819$3,761,243$3,311,359$5,723,201
60$6,232,038$3,888,667$3,365,413$6,197,000
61$6,809,038$4,020,543$3,419,486$6,716,166
62$7,443,043$4,157,034$3,473,522$7,285,250
63$8,139,811$4,298,306$3,527,463$7,909,264
64$8,905,683$4,444,534$3,581,244$8,593,732
65$9,747,646$4,595,899$3,634,799$9,344,737
66$10,673,396$4,752,589$3,688,055$10,168,980
67$11,691,416$4,914,798$3,740,938$11,073,846
68$12,811,047$5,082,730$3,793,366$12,067,469
69$14,042,584$5,256,595$3,845,254$13,158,811
70$15,397,370$5,436,610$3,896,512$14,357,746
71$16,887,900$5,623,003$3,947,044$15,675,154
72$18,527,945$5,816,009$3,996,749$17,123,021
73$20,332,675$6,015,873$4,045,520$18,714,553
74$22,318,806$6,222,849$4,093,243$20,464,302
75$24,504,757$6,437,201$4,139,799$22,388,300
76$26,910,822$6,659,203$4,185,062$24,504,214
77$29,559,362$6,889,141$4,228,899$26,831,510
78$32,475,019$7,127,310$4,271,168$29,391,634
79$35,684,941$7,374,019$4,311,723$32,208,220
80$39,219,046$7,629,587$4,350,406$35,307,309
81$43,110,298$7,894,346$4,387,054$38,717,595
82$47,395,021$8,168,642$4,421,493$42,470,697
83$52,113,241$8,452,833$4,453,541$46,601,455
84$57,309,064$8,747,294$4,483,007$51,148,259
85$63,031,089$9,052,412$4,509,689$56,153,414
86$69,332,871$9,368,591$4,533,374$61,663,536
87$76,273,421$9,696,250$4,553,839$67,729,991
88$83,917,769$10,035,824$4,570,851$74,409,384
89$92,337,570$10,387,769$4,584,164$81,764,087
90$101,611,787$10,752,554$4,593,518$89,862,835
91$111,827,431$11,130,671$4,598,643$98,781,366
92$123,080,385$11,522,630$4,599,254$108,603,142
93$135,476,308$11,928,962$4,595,052$119,420,135
94$149,131,628$12,350,218$4,585,723$131,333,693
95$164,174,648$12,786,973$4,570,939$144,455,499
96$180,746,752$13,239,824$4,550,355$158,908,622
97$199,003,738$13,709,393$4,523,609$174,828,682
98$219,117,292$14,196,327$4,490,323$192,365,127
99$241,276,608$14,701,298$4,450,100$211,682,647
100$265,690,167$15,225,007$4,402,524$232,962,722