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

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 $2,860,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.6%
1 years$236,176$234,072$232,020$230,017$228,060$220,144
2 years$116,919$114,741$112,631$110,585$108,600$100,706
3 years$77,172$74,985$72,880$70,853$68,900$61,277
4 years$57,302$55,122$53,038$51,045$49,140$41,846
5 years$45,383$43,216$41,159$39,208$37,356$30,409
6 years$37,440$35,289$33,263$31,355$29,558$22,966
7 years$31,769$29,636$27,642$25,779$24,039$17,798
8 years$27,517$25,403$23,442$21,625$19,943$14,049
9 years$24,212$22,118$20,191$18,420$16,794$11,241
10 years$21,569$19,496$17,603$15,878$14,310$9,087
11 years$19,408$17,356$15,497$13,819$12,307$7,404
12 years$17,609$15,578$13,753$12,121$10,665$6,071
13 years$16,088$14,078$12,288$10,701$9,300$5,002
14 years$14,785$12,796$11,041$9,499$8,152$4,139
15 years$13,657$11,690$9,968$8,471$7,178$3,435
16 years$12,671$10,725$9,038$7,585$6,344$2,859
17 years$11,802$9,878$8,224$6,815$5,625$2,384
18 years$11,030$9,127$7,507$6,142$5,001$1,992
19 years$10,340$8,459$6,873$5,550$4,458$1,667
20 years$9,720$7,861$6,307$5,026$3,982$1,397
21 years$9,160$7,322$5,802$4,562$3,563$1,171
22 years$8,651$6,835$5,347$4,148$3,194$983
23 years$8,188$6,392$4,937$3,777$2,867$826
24 years$7,763$5,989$4,566$3,445$2,577$694
25 years$7,374$5,621$4,229$3,146$2,319$584
26 years$7,014$5,282$3,922$2,877$2,089$491
27 years$6,682$4,971$3,642$2,633$1,883$413
28 years$6,374$4,684$3,386$2,413$1,699$348
29 years$6,088$4,419$3,151$2,212$1,534$293
30 years$5,822$4,174$2,935$2,030$1,386$247
31 years$5,573$3,945$2,736$1,865$1,253$208
32 years$5,340$3,733$2,553$1,714$1,134$175
33 years$5,122$3,535$2,384$1,576$1,026$148
34 years$4,917$3,351$2,227$1,450$929$124
35 years$4,724$3,178$2,082$1,335$841$105
36 years$4,542$3,016$1,948$1,229$762$88
37 years$4,371$2,865$1,823$1,133$691$74
38 years$4,209$2,723$1,707$1,044$626$63
39 years$4,055$2,589$1,599$963$568$53
40 years$3,910$2,463$1,499$888$515$45
41 years$3,772$2,345$1,406$819$467$38
42 years$3,641$2,233$1,319$756$424$32
43 years$3,517$2,128$1,237$698$385$27
44 years$3,398$2,028$1,162$644$349$23
45 years$3,285$1,934$1,091$595$317$19
46 years$3,177$1,845$1,024$550$288$16
47 years$3,075$1,761$962$508$262$14
48 years$2,976$1,681$904$469$238$11
49 years$2,882$1,605$850$434$216$10
50 years$2,792$1,533$799$401$196$8

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 $6,824 every year, while hoping to spend $44,610 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: 84/5/11 Blend
51$2,860,000$2,860,000$2,860,000$2,860,000
52$3,158,759$3,007,179$2,962,849$3,417,912
53$3,433,488$3,107,066$3,014,640$3,688,354
54$3,734,744$3,210,352$3,066,670$3,978,690
55$4,065,185$3,317,158$3,118,902$4,296,255
56$4,427,741$3,427,605$3,171,292$4,643,761
57$4,825,637$3,541,824$3,223,796$5,024,195
58$5,262,426$3,659,947$3,276,367$5,440,849
59$5,742,021$3,782,112$3,328,953$5,897,347
60$6,268,734$3,908,463$3,381,500$6,397,681
61$6,847,314$4,039,146$3,433,949$6,946,248
62$7,482,992$4,174,317$3,486,239$7,547,894
63$8,181,534$4,314,135$3,538,305$8,207,954
64$8,949,288$4,458,765$3,590,075$8,932,307
65$9,793,250$4,608,379$3,641,478$9,727,429
66$10,721,127$4,763,155$3,692,432$10,600,456
67$11,741,409$4,923,278$3,742,856$11,559,248
68$12,863,453$5,088,938$3,792,662$12,612,464
69$14,097,564$5,260,335$3,841,755$13,769,645
70$15,455,098$5,437,674$3,890,037$15,041,304
71$16,948,568$5,621,170$3,937,403$16,439,021
72$18,591,759$5,811,044$3,983,743$17,975,557
73$20,399,860$6,007,527$4,028,940$19,664,971
74$22,389,608$6,210,858$4,072,871$21,522,755
75$24,579,442$6,421,284$4,115,406$23,565,976
76$26,989,680$6,639,062$4,156,408$25,813,441
77$29,642,712$6,864,461$4,195,732$28,285,873
78$32,563,206$7,097,757$4,233,227$31,006,103
79$35,778,344$7,339,238$4,268,730$33,999,292
80$39,318,078$7,589,203$4,302,075$37,293,161
81$43,215,409$7,847,961$4,333,082$40,918,258
82$47,506,706$8,115,836$4,361,566$44,908,240
83$52,232,039$8,393,162$4,387,328$49,300,199
84$57,435,566$8,680,285$4,410,162$54,135,003
85$63,165,942$8,977,567$4,429,850$59,457,687
86$69,476,782$9,285,383$4,446,164$65,317,876
87$76,427,168$9,604,120$4,458,865$71,770,252
88$84,082,201$9,934,184$4,467,699$78,875,074
89$92,513,621$10,275,994$4,472,402$86,698,739
90$101,800,478$10,629,986$4,472,696$95,314,417
91$112,029,886$10,996,614$4,468,289$104,802,736
92$123,297,834$11,376,348$4,458,877$115,252,543
93$135,710,101$11,769,677$4,444,137$126,761,746
94$149,383,250$12,177,110$4,423,735$139,438,231
95$164,445,728$12,599,175$4,397,316$153,400,889
96$181,039,078$13,036,420$4,364,512$168,780,731
97$199,319,276$13,489,417$4,324,935$185,722,126
98$219,458,202$13,958,759$4,278,181$204,384,166
99$241,645,262$14,445,061$4,223,823$224,942,165
100$266,089,176$14,948,966$4,161,418$247,589,313