Can I retire at age 52 with 2,860,000?

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 $2,860,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.5%
1 years$236,176$234,072$232,020$230,017$228,060$221,114
2 years$116,919$114,741$112,631$110,585$108,600$101,662
3 years$77,172$74,985$72,880$70,853$68,900$62,187
4 years$57,302$55,122$53,038$51,045$49,140$42,704
5 years$45,383$43,216$41,159$39,208$37,356$31,213
6 years$37,440$35,289$33,263$31,355$29,558$23,715
7 years$31,769$29,636$27,642$25,779$24,039$18,495
8 years$27,517$25,403$23,442$21,625$19,943$14,694
9 years$24,212$22,118$20,191$18,420$16,794$11,836
10 years$21,569$19,496$17,603$15,878$14,310$9,635
11 years$19,408$17,356$15,497$13,819$12,307$7,906
12 years$17,609$15,578$13,753$12,121$10,665$6,530
13 years$16,088$14,078$12,288$10,701$9,300$5,421
14 years$14,785$12,796$11,041$9,499$8,152$4,520
15 years$13,657$11,690$9,968$8,471$7,178$3,781
16 years$12,671$10,725$9,038$7,585$6,344$3,171
17 years$11,802$9,878$8,224$6,815$5,625$2,667
18 years$11,030$9,127$7,507$6,142$5,001$2,246
19 years$10,340$8,459$6,873$5,550$4,458$1,895
20 years$9,720$7,861$6,307$5,026$3,982$1,601
21 years$9,160$7,322$5,802$4,562$3,563$1,355
22 years$8,651$6,835$5,347$4,148$3,194$1,147
23 years$8,188$6,392$4,937$3,777$2,867$972
24 years$7,763$5,989$4,566$3,445$2,577$824
25 years$7,374$5,621$4,229$3,146$2,319$699
26 years$7,014$5,282$3,922$2,877$2,089$593
27 years$6,682$4,971$3,642$2,633$1,883$504
28 years$6,374$4,684$3,386$2,413$1,699$428
29 years$6,088$4,419$3,151$2,212$1,534$364
30 years$5,822$4,174$2,935$2,030$1,386$309
31 years$5,573$3,945$2,736$1,865$1,253$263
32 years$5,340$3,733$2,553$1,714$1,134$223
33 years$5,122$3,535$2,384$1,576$1,026$190
34 years$4,917$3,351$2,227$1,450$929$162
35 years$4,724$3,178$2,082$1,335$841$137
36 years$4,542$3,016$1,948$1,229$762$117
37 years$4,371$2,865$1,823$1,133$691$99
38 years$4,209$2,723$1,707$1,044$626$85
39 years$4,055$2,589$1,599$963$568$72
40 years$3,910$2,463$1,499$888$515$61
41 years$3,772$2,345$1,406$819$467$52
42 years$3,641$2,233$1,319$756$424$44
43 years$3,517$2,128$1,237$698$385$38
44 years$3,398$2,028$1,162$644$349$32
45 years$3,285$1,934$1,091$595$317$27
46 years$3,177$1,845$1,024$550$288$23
47 years$3,075$1,761$962$508$262$20
48 years$2,976$1,681$904$469$238$17
49 years$2,882$1,605$850$434$216$14
50 years$2,792$1,533$799$401$196$12

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,860,000, adding $3,282 every year, while hoping to spend $34,808 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: 85/10/5 Blend
51$2,860,000$2,860,000$2,860,000$2,860,000
52$3,155,105$3,003,525$2,959,195$3,423,058
53$3,439,891$3,113,663$3,021,293$3,708,349
54$3,752,557$3,228,030$3,084,304$4,016,586
55$4,095,913$3,346,798$3,148,223$4,354,081
56$4,473,049$3,470,145$3,213,042$4,723,749
57$4,887,373$3,598,255$3,278,752$5,128,800
58$5,342,638$3,731,321$3,345,342$5,572,769
59$5,842,977$3,869,546$3,412,801$6,059,549
60$6,392,945$4,013,138$3,481,114$6,593,428
61$6,997,561$4,162,317$3,550,267$7,179,129
62$7,662,352$4,317,311$3,620,241$7,821,854
63$8,393,410$4,478,357$3,691,017$8,527,330
64$9,197,444$4,645,704$3,762,573$9,301,870
65$10,081,850$4,819,609$3,834,885$10,152,425
66$11,054,772$5,000,344$3,907,928$11,086,653
67$12,125,186$5,188,188$3,981,671$12,112,988
68$13,302,982$5,383,436$4,056,083$13,240,724
69$14,599,055$5,586,393$4,131,131$14,480,098
70$16,025,411$5,797,379$4,206,777$15,842,386
71$17,595,279$6,016,727$4,282,980$17,340,013
72$19,323,235$6,244,784$4,359,697$18,986,667
73$21,225,340$6,481,913$4,436,881$20,797,428
74$23,319,290$6,728,492$4,514,482$22,788,909
75$25,624,585$6,984,916$4,592,445$24,979,415
76$28,162,712$7,251,596$4,670,711$27,389,113
77$30,957,347$7,528,963$4,749,219$30,040,223
78$34,034,580$7,817,465$4,827,901$32,957,225
79$37,423,156$8,117,570$4,906,685$36,167,094
80$41,154,755$8,429,768$4,985,496$39,699,548
81$45,264,282$8,754,568$5,064,251$43,587,335
82$49,790,200$9,092,504$5,142,865$47,866,533
83$54,774,894$9,444,130$5,221,245$52,576,900
84$60,265,069$9,810,028$5,299,293$57,762,238
85$66,312,191$10,190,804$5,376,903$63,470,816
86$72,972,971$10,587,091$5,453,967$69,755,815
87$80,309,905$10,999,549$5,530,365$76,675,838
88$88,391,857$11,428,869$5,605,974$84,295,458
89$97,294,714$11,875,771$5,680,662$92,685,826
90$107,102,100$12,341,008$5,754,289$101,925,345
91$117,906,164$12,825,367$5,826,707$112,100,405
92$129,808,451$13,329,668$5,897,760$123,306,204
93$142,920,860$13,854,770$5,967,283$135,647,639
94$157,366,702$14,401,568$6,035,101$149,240,299
95$173,281,859$14,970,998$6,101,031$164,211,555
96$190,816,071$15,564,039$6,164,877$180,701,760
97$210,134,345$16,181,712$6,226,435$198,865,575
98$231,418,516$16,825,084$6,285,489$218,873,426
99$254,868,963$17,495,271$6,341,811$240,913,112
100$280,706,497$18,193,439$6,395,161$265,191,578