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%15.1%
1 years$235,350$233,254$231,209$229,212$227,263$222,493
2 years$116,510$114,340$112,237$110,198$108,220$103,437
3 years$76,902$74,723$72,625$70,605$68,660$64,012
4 years$57,102$54,929$52,852$50,867$48,969$44,493
5 years$45,225$43,065$41,016$39,071$37,225$32,934
6 years$37,309$35,166$33,147$31,245$29,455$25,353
7 years$31,657$29,532$27,545$25,688$23,955$20,043
8 years$27,421$25,315$23,360$21,549$19,873$16,149
9 years$24,127$22,041$20,120$18,355$16,736$13,198
10 years$21,494$19,428$17,541$15,822$14,260$10,905
11 years$19,341$17,296$15,443$13,770$12,264$9,087
12 years$17,548$15,524$13,705$12,078$10,628$7,625
13 years$16,032$14,029$12,245$10,663$9,267$6,433
14 years$14,733$12,752$11,002$9,466$8,124$5,452
15 years$13,609$11,649$9,933$8,442$7,153$4,638
16 years$12,627$10,688$9,006$7,559$6,322$3,958
17 years$11,760$9,843$8,195$6,791$5,605$3,386
18 years$10,991$9,095$7,481$6,120$4,984$2,904
19 years$10,304$8,429$6,849$5,530$4,442$2,494
20 years$9,686$7,833$6,285$5,009$3,968$2,146
21 years$9,128$7,296$5,781$4,546$3,551$1,849
22 years$8,621$6,811$5,328$4,133$3,183$1,595
23 years$8,159$6,370$4,920$3,764$2,857$1,377
24 years$7,736$5,968$4,550$3,433$2,568$1,190
25 years$7,348$5,601$4,214$3,135$2,311$1,029
26 years$6,990$5,264$3,908$2,867$2,082$891
27 years$6,659$4,954$3,629$2,624$1,877$771
28 years$6,352$4,668$3,374$2,404$1,693$668
29 years$6,067$4,404$3,140$2,205$1,529$579
30 years$5,801$4,159$2,925$2,023$1,382$502
31 years$5,553$3,932$2,726$1,858$1,249$435
32 years$5,321$3,720$2,544$1,708$1,130$377
33 years$5,104$3,523$2,375$1,570$1,023$327
34 years$4,900$3,339$2,219$1,445$926$284
35 years$4,708$3,167$2,075$1,330$839$247
36 years$4,526$3,006$1,941$1,225$760$214
37 years$4,356$2,855$1,817$1,129$689$186
38 years$4,194$2,713$1,701$1,040$624$161
39 years$4,041$2,580$1,594$959$566$140
40 years$3,896$2,455$1,494$885$513$122
41 years$3,759$2,337$1,401$816$466$106
42 years$3,628$2,225$1,314$753$423$92
43 years$3,504$2,120$1,233$695$384$80
44 years$3,386$2,021$1,157$642$348$69
45 years$3,274$1,927$1,087$593$316$60
46 years$3,166$1,839$1,021$548$287$52
47 years$3,064$1,755$959$506$261$45
48 years$2,966$1,675$901$468$237$39
49 years$2,872$1,599$847$432$215$34
50 years$2,783$1,528$796$399$195$30

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 $5,241 every year, while hoping to spend $43,114 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: 58/28/14 Blend
51$2,850,000$2,850,000$2,850,000$2,850,000
52$3,146,106$2,995,056$2,950,881$3,317,117
53$3,421,136$3,095,941$3,003,863$3,534,180
54$3,722,774$3,200,324$3,057,174$3,765,460
55$4,053,688$3,308,331$3,110,781$4,016,563
56$4,416,819$3,420,094$3,164,646$4,289,402
57$4,815,402$3,535,746$3,218,730$4,586,078
58$5,253,006$3,655,430$3,272,990$4,908,908
59$5,733,557$3,779,291$3,327,380$5,260,439
60$6,261,384$3,907,481$3,381,851$5,643,473
61$6,841,254$4,040,157$3,436,352$6,061,097
62$7,478,420$4,177,481$3,490,827$6,516,708
63$8,178,665$4,319,625$3,545,217$7,014,046
64$8,948,366$4,466,763$3,599,458$7,557,226
65$9,794,543$4,619,078$3,653,484$8,150,781
66$10,724,934$4,776,761$3,707,223$8,799,702
67$11,748,062$4,940,007$3,760,600$9,509,484
68$12,873,318$5,109,021$3,813,534$10,286,178
69$14,111,050$5,284,016$3,865,941$11,136,448
70$15,472,657$5,465,213$3,917,730$12,067,631
71$16,970,699$5,652,840$3,968,805$13,087,810
72$18,619,017$5,847,136$4,019,067$14,205,885
73$20,432,858$6,048,347$4,068,407$15,431,661
74$22,429,024$6,256,730$4,116,713$16,775,934
75$24,626,028$6,472,553$4,163,866$18,250,600
76$27,044,267$6,696,093$4,209,740$19,868,759
77$29,706,218$6,927,636$4,254,201$21,644,842
78$32,636,645$7,167,484$4,297,111$23,594,747
79$35,862,839$7,415,947$4,338,320$25,735,985
80$39,414,868$7,673,348$4,377,673$28,087,849
81$43,325,866$7,940,023$4,415,006$30,671,591
82$47,632,342$8,216,321$4,450,146$33,510,624
83$52,374,526$8,502,607$4,482,912$36,630,743
84$57,596,749$8,799,256$4,513,111$40,060,364
85$63,347,860$9,106,662$4,540,542$43,830,798
86$69,681,685$9,425,232$4,564,995$47,976,537
87$76,657,540$9,755,391$4,586,245$52,535,585
88$84,340,784$10,097,581$4,604,059$57,549,814
89$92,803,441$10,452,258$4,618,191$63,065,358
90$102,124,875$10,819,902$4,628,384$69,133,048
91$112,392,543$11,201,008$4,634,366$75,808,888
92$123,702,818$11,596,093$4,635,852$83,154,586
93$136,161,897$12,005,693$4,632,545$91,238,136
94$149,886,805$12,430,368$4,624,130$100,134,454
95$165,006,502$12,870,698$4,610,281$109,926,089
96$181,663,091$13,327,288$4,590,651$120,703,996
97$200,013,169$13,800,768$4,564,881$132,568,399
98$220,229,299$14,291,792$4,532,591$145,629,731
99$242,501,640$14,801,042$4,493,385$160,009,678
100$267,039,741$15,329,228$4,446,848$175,842,323