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

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 $2,850,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.1%
1 years$235,350$233,254$231,209$229,212$227,263$218,938
2 years$116,510$114,340$112,237$110,198$108,220$99,926
3 years$76,902$74,723$72,625$70,605$68,660$60,656
4 years$57,102$54,929$52,852$50,867$48,969$41,318
5 years$45,225$43,065$41,016$39,071$37,225$29,947
6 years$37,309$35,166$33,147$31,245$29,455$22,554
7 years$31,657$29,532$27,545$25,688$23,955$17,429
8 years$27,421$25,315$23,360$21,549$19,873$13,717
9 years$24,127$22,041$20,120$18,355$16,736$10,942
10 years$21,494$19,428$17,541$15,822$14,260$8,817
11 years$19,341$17,296$15,443$13,770$12,264$7,161
12 years$17,548$15,524$13,705$12,078$10,628$5,852
13 years$16,032$14,029$12,245$10,663$9,267$4,806
14 years$14,733$12,752$11,002$9,466$8,124$3,962
15 years$13,609$11,649$9,933$8,442$7,153$3,277
16 years$12,627$10,688$9,006$7,559$6,322$2,717
17 years$11,760$9,843$8,195$6,791$5,605$2,258
18 years$10,991$9,095$7,481$6,120$4,984$1,879
19 years$10,304$8,429$6,849$5,530$4,442$1,567
20 years$9,686$7,833$6,285$5,009$3,968$1,308
21 years$9,128$7,296$5,781$4,546$3,551$1,092
22 years$8,621$6,811$5,328$4,133$3,183$913
23 years$8,159$6,370$4,920$3,764$2,857$764
24 years$7,736$5,968$4,550$3,433$2,568$640
25 years$7,348$5,601$4,214$3,135$2,311$536
26 years$6,990$5,264$3,908$2,867$2,082$449
27 years$6,659$4,954$3,629$2,624$1,877$376
28 years$6,352$4,668$3,374$2,404$1,693$316
29 years$6,067$4,404$3,140$2,205$1,529$265
30 years$5,801$4,159$2,925$2,023$1,382$222
31 years$5,553$3,932$2,726$1,858$1,249$186
32 years$5,321$3,720$2,544$1,708$1,130$156
33 years$5,104$3,523$2,375$1,570$1,023$131
34 years$4,900$3,339$2,219$1,445$926$110
35 years$4,708$3,167$2,075$1,330$839$92
36 years$4,526$3,006$1,941$1,225$760$78
37 years$4,356$2,855$1,817$1,129$689$65
38 years$4,194$2,713$1,701$1,040$624$55
39 years$4,041$2,580$1,594$959$566$46
40 years$3,896$2,455$1,494$885$513$38
41 years$3,759$2,337$1,401$816$466$32
42 years$3,628$2,225$1,314$753$423$27
43 years$3,504$2,120$1,233$695$384$23
44 years$3,386$2,021$1,157$642$348$19
45 years$3,274$1,927$1,087$593$316$16
46 years$3,166$1,839$1,021$548$287$13
47 years$3,064$1,755$959$506$261$11
48 years$2,966$1,675$901$468$237$9
49 years$2,872$1,599$847$432$215$8
50 years$2,783$1,528$796$399$195$7

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 $5,317 every year, while hoping to spend $51,238 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: 65/9/26 Blend
51$2,850,000$2,850,000$2,850,000$2,850,000
52$3,146,184$2,995,134$2,950,959$3,328,899
53$3,412,578$3,087,379$2,995,300$3,545,106
54$3,704,427$3,182,427$3,039,408$3,775,120
55$4,024,273$3,280,360$3,083,223$4,025,386
56$4,374,917$3,381,265$3,126,678$4,297,900
57$4,759,441$3,485,230$3,169,705$4,594,861
58$5,181,242$3,592,344$3,212,228$4,918,691
59$5,644,062$3,702,703$3,254,171$5,272,057
60$6,152,021$3,816,400$3,295,450$5,657,899
61$6,709,658$3,933,534$3,335,979$6,079,453
62$7,321,974$4,054,208$3,375,664$6,540,286
63$7,994,475$4,178,524$3,414,409$7,044,327
64$8,733,230$4,306,589$3,452,110$7,595,904
65$9,544,922$4,438,515$3,488,658$8,199,787
66$10,436,915$4,574,414$3,523,940$8,861,230
67$11,417,321$4,714,401$3,557,833$9,586,023
68$12,495,078$4,858,597$3,590,210$10,380,544
69$13,680,032$5,007,124$3,620,938$11,251,823
70$14,983,030$5,160,108$3,649,874$12,207,604
71$16,416,025$5,317,678$3,676,871$13,256,419
72$17,992,183$5,479,969$3,701,770$14,407,672
73$19,726,015$5,647,116$3,724,408$15,671,725
74$21,633,504$5,819,260$3,744,611$17,059,994
75$23,732,263$5,996,546$3,762,197$18,585,060
76$26,041,698$6,179,120$3,776,975$20,260,786
77$28,583,190$6,367,137$3,788,743$22,102,448
78$31,380,300$6,560,751$3,797,291$24,126,881
79$34,458,987$6,760,124$3,802,396$26,352,635
80$37,847,853$6,965,419$3,803,825$28,800,151
81$41,578,416$7,176,807$3,801,336$31,491,957
82$45,685,404$7,394,460$3,794,670$34,452,875
83$50,207,083$7,618,557$3,783,560$37,710,261
84$55,185,620$7,849,280$3,767,723$41,294,259
85$60,667,476$8,086,818$3,746,864$45,238,090
86$66,703,848$8,331,361$3,720,674$49,578,361
87$73,351,151$8,583,109$3,688,827$54,355,414
88$80,671,550$8,842,262$3,650,984$59,613,705
89$88,733,545$9,109,030$3,606,789$65,402,225
90$97,612,618$9,383,624$3,555,868$71,774,964
91$107,391,947$9,666,263$3,497,831$78,791,416
92$118,163,186$9,957,171$3,432,270$86,517,145
93$130,027,336$10,256,578$3,358,756$95,024,406
94$143,095,692$10,564,718$3,276,842$104,392,821
95$157,490,895$10,881,831$3,186,059$114,710,136
96$173,348,092$11,208,166$3,085,917$126,073,048
97$190,816,206$11,543,975$2,975,904$138,588,118
98$210,059,346$11,889,517$2,855,483$152,372,777
99$231,258,352$12,245,056$2,724,095$167,556,437
100$254,612,506$12,610,865$2,581,154$184,281,711