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%11.1%
1 years$236,176$234,072$232,020$230,017$228,060$227,004
2 years$116,919$114,741$112,631$110,585$108,600$107,534
3 years$77,172$74,985$72,880$70,853$68,900$67,857
4 years$57,302$55,122$53,038$51,045$49,140$48,128
5 years$45,383$43,216$41,159$39,208$37,356$36,378
6 years$37,440$35,289$33,263$31,355$29,558$28,616
7 years$31,769$29,636$27,642$25,779$24,039$23,132
8 years$27,517$25,403$23,442$21,625$19,943$19,072
9 years$24,212$22,118$20,191$18,420$16,794$15,959
10 years$21,569$19,496$17,603$15,878$14,310$13,510
11 years$19,408$17,356$15,497$13,819$12,307$11,542
12 years$17,609$15,578$13,753$12,121$10,665$9,934
13 years$16,088$14,078$12,288$10,701$9,300$8,603
14 years$14,785$12,796$11,041$9,499$8,152$7,488
15 years$13,657$11,690$9,968$8,471$7,178$6,545
16 years$12,671$10,725$9,038$7,585$6,344$5,742
17 years$11,802$9,878$8,224$6,815$5,625$5,054
18 years$11,030$9,127$7,507$6,142$5,001$4,459
19 years$10,340$8,459$6,873$5,550$4,458$3,944
20 years$9,720$7,861$6,307$5,026$3,982$3,495
21 years$9,160$7,322$5,802$4,562$3,563$3,103
22 years$8,651$6,835$5,347$4,148$3,194$2,759
23 years$8,188$6,392$4,937$3,777$2,867$2,457
24 years$7,763$5,989$4,566$3,445$2,577$2,190
25 years$7,374$5,621$4,229$3,146$2,319$1,954
26 years$7,014$5,282$3,922$2,877$2,089$1,745
27 years$6,682$4,971$3,642$2,633$1,883$1,560
28 years$6,374$4,684$3,386$2,413$1,699$1,396
29 years$6,088$4,419$3,151$2,212$1,534$1,249
30 years$5,822$4,174$2,935$2,030$1,386$1,119
31 years$5,573$3,945$2,736$1,865$1,253$1,003
32 years$5,340$3,733$2,553$1,714$1,134$899
33 years$5,122$3,535$2,384$1,576$1,026$806
34 years$4,917$3,351$2,227$1,450$929$723
35 years$4,724$3,178$2,082$1,335$841$649
36 years$4,542$3,016$1,948$1,229$762$583
37 years$4,371$2,865$1,823$1,133$691$523
38 years$4,209$2,723$1,707$1,044$626$470
39 years$4,055$2,589$1,599$963$568$422
40 years$3,910$2,463$1,499$888$515$380
41 years$3,772$2,345$1,406$819$467$341
42 years$3,641$2,233$1,319$756$424$307
43 years$3,517$2,128$1,237$698$385$276
44 years$3,398$2,028$1,162$644$349$248
45 years$3,285$1,934$1,091$595$317$223
46 years$3,177$1,845$1,024$550$288$200
47 years$3,075$1,761$962$508$262$180
48 years$2,976$1,681$904$469$238$162
49 years$2,882$1,605$850$434$216$146
50 years$2,792$1,533$799$401$196$131

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 $6,217 every year, while hoping to spend $31,288 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: 62/19/19 Blend
51$2,860,000$2,860,000$2,860,000$2,860,000
52$3,158,133$3,006,553$2,962,223$3,338,170
53$3,446,972$3,120,584$3,028,167$3,574,326
54$3,764,225$3,239,154$3,095,272$3,827,977
55$4,112,755$3,362,452$3,163,543$4,104,173
56$4,495,720$3,490,675$3,232,985$4,405,110
57$4,916,596$3,624,031$3,303,603$4,733,207
58$5,379,214$3,762,735$3,375,400$5,091,123
59$5,887,795$3,907,010$3,448,377$5,481,788
60$6,446,989$4,057,091$3,522,535$5,908,426
61$7,061,917$4,213,224$3,597,876$6,374,585
62$7,738,223$4,375,663$3,674,396$6,884,173
63$8,482,127$4,544,676$3,752,093$7,441,490
64$9,300,479$4,720,540$3,830,963$8,051,272
65$10,200,828$4,903,546$3,911,000$8,718,735
66$11,191,491$5,093,998$3,992,197$9,449,619
67$12,281,632$5,292,214$4,074,545$10,250,247
68$13,481,349$5,498,522$4,158,033$11,127,583
69$14,801,767$5,713,271$4,242,647$12,089,294
70$16,255,146$5,936,819$4,328,374$13,143,825
71$17,854,992$6,169,545$4,415,196$14,300,478
72$19,616,190$6,411,841$4,503,094$15,569,496
73$21,555,140$6,664,120$4,592,046$16,962,162
74$23,689,913$6,926,810$4,682,029$18,490,904
75$26,040,422$7,200,361$4,773,014$20,169,412
76$28,628,607$7,485,242$4,864,972$22,012,765
77$31,478,648$7,781,941$4,957,872$24,037,573
78$34,617,185$8,090,972$5,051,676$26,262,134
79$38,073,576$8,412,867$5,146,345$28,706,605
80$41,880,170$8,748,187$5,241,837$31,393,192
81$46,072,615$9,097,516$5,338,105$34,346,357
82$50,690,189$9,461,462$5,435,100$37,593,050
83$55,776,179$9,840,663$5,532,766$41,162,962
84$61,378,280$10,235,787$5,631,045$45,088,802
85$67,549,053$10,647,529$5,729,873$49,406,608
86$74,346,416$11,076,618$5,829,183$54,156,084
87$81,834,192$11,523,813$5,928,902$59,380,974
88$90,082,710$11,989,911$6,028,952$65,129,474
89$99,169,473$12,475,743$6,129,248$71,454,685
90$109,179,883$12,982,178$6,229,701$78,415,113
91$120,208,051$13,510,125$6,330,216$86,075,222
92$132,357,685$14,060,533$6,430,691$94,506,038
93$145,743,066$14,634,397$6,531,016$103,785,820
94$160,490,130$15,232,754$6,631,077$114,000,797
95$176,737,655$15,856,690$6,730,750$125,245,981
96$194,638,570$16,507,342$6,829,903$137,626,058
97$214,361,398$17,185,896$6,928,400$151,256,381
98$236,091,851$17,893,595$7,026,091$166,264,054
99$260,034,576$18,631,737$7,122,821$182,789,129
100$286,415,091$19,401,681$7,218,425$200,985,928