Can I retire at age 52 with 2,850,000?

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 $2,850,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17%
1 years$235,350$233,254$231,209$229,212$227,263$220,785
2 years$116,510$114,340$112,237$110,198$108,220$101,744
3 years$76,902$74,723$72,625$70,605$68,660$62,388
4 years$57,102$54,929$52,852$50,867$48,969$42,950
5 years$45,225$43,065$41,016$39,071$37,225$31,476
6 years$37,309$35,166$33,147$31,245$29,455$23,980
7 years$31,657$29,532$27,545$25,688$23,955$18,755
8 years$27,421$25,315$23,360$21,549$19,873$14,945
9 years$24,127$22,041$20,120$18,355$16,736$12,075
10 years$21,494$19,428$17,541$15,822$14,260$9,859
11 years$19,341$17,296$15,443$13,770$12,264$8,117
12 years$17,548$15,524$13,705$12,078$10,628$6,726
13 years$16,032$14,029$12,245$10,663$9,267$5,603
14 years$14,733$12,752$11,002$9,466$8,124$4,687
15 years$13,609$11,649$9,933$8,442$7,153$3,935
16 years$12,627$10,688$9,006$7,559$6,322$3,313
17 years$11,760$9,843$8,195$6,791$5,605$2,795
18 years$10,991$9,095$7,481$6,120$4,984$2,364
19 years$10,304$8,429$6,849$5,530$4,442$2,002
20 years$9,686$7,833$6,285$5,009$3,968$1,698
21 years$9,128$7,296$5,781$4,546$3,551$1,442
22 years$8,621$6,811$5,328$4,133$3,183$1,225
23 years$8,159$6,370$4,920$3,764$2,857$1,042
24 years$7,736$5,968$4,550$3,433$2,568$887
25 years$7,348$5,601$4,214$3,135$2,311$756
26 years$6,990$5,264$3,908$2,867$2,082$644
27 years$6,659$4,954$3,629$2,624$1,877$549
28 years$6,352$4,668$3,374$2,404$1,693$468
29 years$6,067$4,404$3,140$2,205$1,529$400
30 years$5,801$4,159$2,925$2,023$1,382$341
31 years$5,553$3,932$2,726$1,858$1,249$291
32 years$5,321$3,720$2,544$1,708$1,130$249
33 years$5,104$3,523$2,375$1,570$1,023$212
34 years$4,900$3,339$2,219$1,445$926$181
35 years$4,708$3,167$2,075$1,330$839$155
36 years$4,526$3,006$1,941$1,225$760$132
37 years$4,356$2,855$1,817$1,129$689$113
38 years$4,194$2,713$1,701$1,040$624$96
39 years$4,041$2,580$1,594$959$566$82
40 years$3,896$2,455$1,494$885$513$70
41 years$3,759$2,337$1,401$816$466$60
42 years$3,628$2,225$1,314$753$423$51
43 years$3,504$2,120$1,233$695$384$44
44 years$3,386$2,021$1,157$642$348$38
45 years$3,274$1,927$1,087$593$316$32
46 years$3,166$1,839$1,021$548$287$27
47 years$3,064$1,755$959$506$261$23
48 years$2,966$1,675$901$468$237$20
49 years$2,872$1,599$847$432$215$17
50 years$2,783$1,528$796$399$195$15

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,850,000, adding $2,674 every year, while hoping to spend $31,378 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: 68/13/19 Blend
51$2,850,000$2,850,000$2,850,000$2,850,000
52$3,143,458$2,992,408$2,948,233$3,342,360
53$3,430,705$3,105,650$3,013,613$3,588,860
54$3,746,199$3,223,390$3,080,132$3,854,483
55$4,092,789$3,345,813$3,147,794$4,144,274
56$4,473,612$3,473,117$3,216,603$4,460,612
57$4,892,125$3,605,504$3,286,564$4,806,115
58$5,352,136$3,743,187$3,357,678$5,183,666
59$5,857,840$3,886,390$3,429,946$5,596,440
60$6,413,858$4,035,342$3,503,368$6,047,933
61$7,025,284$4,190,286$3,577,943$6,541,992
62$7,697,728$4,351,474$3,653,669$7,082,856
63$8,437,371$4,519,171$3,730,541$7,675,193
64$9,251,023$4,693,651$3,808,555$8,324,142
65$10,146,188$4,875,201$3,887,702$9,035,364
66$11,131,135$5,064,121$3,967,976$9,815,095
67$12,214,972$5,260,724$4,049,364$10,670,201
68$13,407,737$5,465,337$4,131,856$11,608,246
69$14,720,489$5,678,302$4,215,436$12,637,562
70$16,165,415$5,899,975$4,300,089$13,767,326
71$17,755,942$6,130,728$4,385,796$15,007,647
72$19,506,864$6,370,950$4,472,537$16,369,660
73$21,434,484$6,621,047$4,560,287$17,865,635
74$23,556,767$6,881,443$4,649,022$19,509,083
75$25,893,505$7,152,582$4,738,712$21,314,894
76$28,466,510$7,434,926$4,829,326$23,299,468
77$31,299,815$7,728,958$4,920,830$25,480,875
78$34,419,903$8,035,184$5,013,185$27,879,022
79$37,855,957$8,354,132$5,106,350$30,515,840
80$41,640,133$8,686,353$5,200,281$33,415,493
81$45,807,865$9,032,423$5,294,929$36,604,604
82$50,398,200$9,392,944$5,390,242$40,112,503
83$55,454,163$9,768,545$5,486,162$43,971,508
84$61,023,169$10,159,885$5,582,629$48,217,227
85$67,157,462$10,567,649$5,679,578$52,888,891
86$73,914,616$10,992,557$5,776,936$58,029,727
87$81,358,074$11,435,359$5,874,630$63,687,365
88$89,557,745$11,896,839$5,972,578$69,914,284
89$98,590,669$12,377,818$6,070,693$76,768,309
90$108,541,739$12,879,153$6,168,883$84,313,155
91$119,504,505$13,401,740$6,267,050$92,619,027
92$131,582,056$13,946,517$6,365,087$101,763,283
93$144,887,992$14,514,463$6,462,884$111,831,163
94$159,547,497$15,106,601$6,560,321$122,916,592
95$175,698,521$15,724,004$6,657,271$135,123,064
96$193,493,080$16,367,791$6,753,600$148,564,622
97$213,098,694$17,039,132$6,849,165$163,366,929
98$234,699,965$17,739,253$6,943,815$179,668,456
99$258,500,318$18,469,434$7,037,390$197,621,787
100$284,723,928$19,231,013$7,129,720$217,395,058