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%13.9%
1 years$235,350$233,254$231,209$229,212$227,263$223,590
2 years$116,510$114,340$112,237$110,198$108,220$104,530
3 years$76,902$74,723$72,625$70,605$68,660$65,067
4 years$57,102$54,929$52,852$50,867$48,969$45,501
5 years$45,225$43,065$41,016$39,071$37,225$33,893
6 years$37,309$35,166$33,147$31,245$29,455$26,261
7 years$31,657$29,532$27,545$25,688$23,955$20,901
8 years$27,421$25,315$23,360$21,549$19,873$16,959
9 years$24,127$22,041$20,120$18,355$16,736$13,960
10 years$21,494$19,428$17,541$15,822$14,260$11,619
11 years$19,341$17,296$15,443$13,770$12,264$9,756
12 years$17,548$15,524$13,705$12,078$10,628$8,249
13 years$16,032$14,029$12,245$10,663$9,267$7,015
14 years$14,733$12,752$11,002$9,466$8,124$5,994
15 years$13,609$11,649$9,933$8,442$7,153$5,142
16 years$12,627$10,688$9,006$7,559$6,322$4,425
17 years$11,760$9,843$8,195$6,791$5,605$3,818
18 years$10,991$9,095$7,481$6,120$4,984$3,303
19 years$10,304$8,429$6,849$5,530$4,442$2,863
20 years$9,686$7,833$6,285$5,009$3,968$2,485
21 years$9,128$7,296$5,781$4,546$3,551$2,161
22 years$8,621$6,811$5,328$4,133$3,183$1,881
23 years$8,159$6,370$4,920$3,764$2,857$1,640
24 years$7,736$5,968$4,550$3,433$2,568$1,430
25 years$7,348$5,601$4,214$3,135$2,311$1,249
26 years$6,990$5,264$3,908$2,867$2,082$1,091
27 years$6,659$4,954$3,629$2,624$1,877$954
28 years$6,352$4,668$3,374$2,404$1,693$834
29 years$6,067$4,404$3,140$2,205$1,529$730
30 years$5,801$4,159$2,925$2,023$1,382$639
31 years$5,553$3,932$2,726$1,858$1,249$560
32 years$5,321$3,720$2,544$1,708$1,130$490
33 years$5,104$3,523$2,375$1,570$1,023$430
34 years$4,900$3,339$2,219$1,445$926$377
35 years$4,708$3,167$2,075$1,330$839$330
36 years$4,526$3,006$1,941$1,225$760$289
37 years$4,356$2,855$1,817$1,129$689$254
38 years$4,194$2,713$1,701$1,040$624$223
39 years$4,041$2,580$1,594$959$566$195
40 years$3,896$2,455$1,494$885$513$171
41 years$3,759$2,337$1,401$816$466$150
42 years$3,628$2,225$1,314$753$423$132
43 years$3,504$2,120$1,233$695$384$116
44 years$3,386$2,021$1,157$642$348$102
45 years$3,274$1,927$1,087$593$316$89
46 years$3,166$1,839$1,021$548$287$78
47 years$3,064$1,755$959$506$261$69
48 years$2,966$1,675$901$468$237$60
49 years$2,872$1,599$847$432$215$53
50 years$2,783$1,528$796$399$195$46

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 $6,993 every year, while hoping to spend $23,817 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: 56/30/14 Blend
51$2,850,000$2,850,000$2,850,000$2,850,000
52$3,147,913$2,996,863$2,952,688$3,312,426
53$3,443,659$3,118,368$3,026,262$3,546,310
54$3,768,773$3,245,029$3,101,503$3,797,752
55$4,126,225$3,377,073$3,178,440$4,071,092
56$4,519,288$3,514,737$3,257,106$4,368,430
57$4,951,568$3,658,271$3,337,531$4,692,072
58$5,427,036$3,807,935$3,419,746$5,044,556
59$5,950,069$3,964,000$3,503,784$5,428,675
60$6,525,491$4,126,750$3,589,675$5,847,498
61$7,158,614$4,296,484$3,677,452$6,304,402
62$7,855,292$4,473,511$3,767,146$6,803,103
63$8,621,976$4,658,158$3,858,790$7,347,688
64$9,465,774$4,850,763$3,952,416$7,942,656
65$10,394,516$5,051,684$4,048,055$8,592,955
66$11,416,831$5,261,291$4,145,740$9,304,032
67$12,542,229$5,479,975$4,245,502$10,081,883
68$13,781,184$5,708,142$4,347,375$10,933,106
69$15,145,242$5,946,218$4,451,389$11,864,962
70$16,647,122$6,194,648$4,557,576$12,885,449
71$18,300,842$6,453,900$4,665,968$14,003,365
72$20,121,847$6,724,459$4,776,597$15,228,402
73$22,127,155$7,006,837$4,889,492$16,571,227
74$24,335,519$7,301,567$5,004,685$18,043,586
75$26,767,607$7,609,208$5,122,206$19,658,411
76$29,446,187$7,930,344$5,242,085$21,429,944
77$32,396,354$8,265,587$5,364,351$23,373,868
78$35,645,758$8,615,576$5,489,032$25,507,450
79$39,224,867$8,980,982$5,616,157$27,849,709
80$43,167,258$9,362,504$5,745,752$30,421,591
81$47,509,929$9,760,877$5,877,845$33,246,161
82$52,293,649$10,176,868$6,012,461$36,348,826
83$57,563,347$10,611,280$6,149,624$39,757,568
84$63,368,530$11,064,954$6,289,358$43,503,207
85$69,763,754$11,538,771$6,431,685$47,619,690
86$76,809,137$12,033,651$6,576,627$52,144,412
87$84,570,928$12,550,559$6,724,203$57,118,563
88$93,122,131$13,090,504$6,874,432$62,587,513
89$102,543,192$13,654,543$7,027,329$68,601,245
90$112,922,764$14,243,781$7,182,911$75,214,817
91$124,358,537$14,859,378$7,341,190$82,488,884
92$136,958,165$15,502,545$7,502,177$90,490,263
93$150,840,280$16,174,551$7,665,882$99,292,565
94$166,135,610$16,876,726$7,832,311$108,976,885
95$182,988,217$17,610,461$8,001,468$119,632,565
96$201,556,853$18,377,211$8,173,355$131,358,034
97$222,016,462$19,178,504$8,347,972$144,261,731
98$244,559,825$20,015,935$8,525,313$158,463,130
99$269,399,389$20,891,178$8,705,373$174,093,860
100$296,769,264$21,805,983$8,888,140$191,298,945