Can I retire at age 52 with 2,870,000?

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 $2,870,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17%
1 years$237,002$234,891$232,831$230,821$228,858$222,334
2 years$117,328$115,143$113,025$110,972$108,980$102,458
3 years$77,441$75,247$73,135$71,101$69,141$62,826
4 years$57,502$55,314$53,223$51,224$49,312$43,251
5 years$45,542$43,367$41,303$39,345$37,486$31,697
6 years$37,571$35,413$33,379$31,464$29,662$24,149
7 years$31,880$29,739$27,738$25,869$24,123$18,887
8 years$27,613$25,492$23,524$21,701$20,012$15,050
9 years$24,296$22,196$20,261$18,484$16,853$12,160
10 years$21,645$19,564$17,664$15,933$14,360$9,929
11 years$19,476$17,417$15,551$13,867$12,350$8,174
12 years$17,671$15,632$13,802$12,163$10,702$6,774
13 years$16,144$14,127$12,331$10,738$9,332$5,642
14 years$14,837$12,841$11,079$9,532$8,181$4,720
15 years$13,705$11,731$10,003$8,501$7,203$3,962
16 years$12,715$10,763$9,069$7,612$6,366$3,336
17 years$11,843$9,912$8,253$6,839$5,645$2,815
18 years$11,068$9,159$7,534$6,163$5,019$2,380
19 years$10,376$8,489$6,897$5,569$4,473$2,016
20 years$9,754$7,888$6,329$5,044$3,996$1,710
21 years$9,192$7,347$5,822$4,578$3,576$1,452
22 years$8,682$6,859$5,366$4,162$3,205$1,234
23 years$8,216$6,415$4,954$3,791$2,877$1,050
24 years$7,791$6,010$4,582$3,457$2,586$894
25 years$7,399$5,640$4,244$3,157$2,327$761
26 years$7,039$5,301$3,936$2,887$2,096$649
27 years$6,706$4,989$3,655$2,642$1,890$553
28 years$6,397$4,701$3,398$2,421$1,705$472
29 years$6,110$4,435$3,162$2,220$1,540$402
30 years$5,842$4,188$2,945$2,038$1,391$343
31 years$5,592$3,959$2,746$1,871$1,258$293
32 years$5,359$3,746$2,562$1,720$1,138$250
33 years$5,140$3,548$2,392$1,581$1,030$214
34 years$4,934$3,362$2,235$1,455$932$182
35 years$4,741$3,189$2,089$1,340$844$156
36 years$4,558$3,027$1,955$1,234$765$133
37 years$4,386$2,875$1,829$1,137$693$114
38 years$4,224$2,732$1,713$1,048$629$97
39 years$4,070$2,598$1,605$966$570$83
40 years$3,924$2,472$1,504$891$517$71
41 years$3,785$2,353$1,411$822$469$61
42 years$3,654$2,241$1,323$759$426$52
43 years$3,529$2,135$1,242$700$386$44
44 years$3,410$2,035$1,166$647$351$38
45 years$3,297$1,941$1,094$597$318$32
46 years$3,188$1,851$1,028$552$289$28
47 years$3,085$1,767$966$510$262$24
48 years$2,987$1,687$907$471$238$20
49 years$2,892$1,611$853$435$216$17
50 years$2,802$1,539$802$402$197$15

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,870,000, adding $5,190 every year, while hoping to spend $51,727 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: 60/28/12 Blend
51$2,870,000$2,870,000$2,870,000$2,870,000
52$3,168,093$3,015,983$2,971,498$3,348,701
53$3,436,202$3,108,730$3,016,007$3,563,502
54$3,729,924$3,204,286$3,060,272$3,791,405
55$4,051,817$3,302,737$3,104,232$4,038,751
56$4,404,698$3,404,168$3,147,820$4,307,420
57$4,791,671$3,508,666$3,190,966$4,599,480
58$5,216,153$3,616,321$3,233,594$4,917,210
59$5,681,907$3,727,228$3,275,626$5,263,114
60$6,193,079$3,841,480$3,316,978$5,639,953
61$6,754,238$3,959,177$3,357,560$6,050,764
62$7,370,412$4,080,419$3,397,281$6,498,891
63$8,047,145$4,205,310$3,436,040$6,988,018
64$8,790,540$4,333,956$3,473,734$7,522,198
65$9,607,323$4,466,468$3,510,252$8,105,898
66$10,504,902$4,602,957$3,545,478$8,744,034
67$11,491,440$4,743,540$3,579,290$9,442,023
68$12,575,929$4,888,335$3,611,557$10,205,830
69$13,768,275$5,037,465$3,642,146$11,042,022
70$15,079,392$5,191,054$3,670,911$11,957,838
71$16,521,306$5,349,232$3,697,703$12,961,246
72$18,107,266$5,512,130$3,722,362$14,061,027
73$19,851,868$5,679,886$3,744,722$15,266,851
74$21,771,197$5,852,638$3,764,608$16,589,372
75$23,882,971$6,030,530$3,781,835$18,040,326
76$26,206,716$6,213,708$3,796,209$19,632,643
77$28,763,946$6,402,324$3,807,526$21,380,566
78$31,578,363$6,596,533$3,815,573$23,299,788
79$34,676,086$6,796,493$3,820,125$25,407,597
80$38,085,895$7,002,369$3,820,947$27,723,041
81$41,839,498$7,214,327$3,817,791$30,267,104
82$45,971,838$7,432,540$3,810,397$33,062,910
83$50,521,414$7,657,183$3,798,495$36,135,932
84$55,530,652$7,888,438$3,781,797$39,514,241
85$61,046,297$8,126,491$3,760,006$43,228,762
86$67,119,861$8,371,531$3,732,808$47,313,571
87$73,808,104$8,623,753$3,699,875$51,806,217
88$81,173,572$8,883,357$3,660,861$56,748,069
89$89,285,183$9,150,550$3,615,408$62,184,715
90$98,218,885$9,425,539$3,563,137$68,166,383
91$108,058,362$9,708,542$3,503,653$74,748,423
92$118,895,832$9,999,777$3,436,542$81,991,822
93$130,832,913$10,299,472$3,361,372$89,963,782
94$143,981,582$10,607,858$3,277,690$98,738,356
95$158,465,232$10,925,172$3,185,022$108,397,142
96$174,419,837$11,251,656$3,082,871$119,030,057
97$191,995,232$11,587,560$2,970,719$130,736,180
98$211,356,532$11,933,136$2,848,024$143,624,693
99$232,685,684$12,288,646$2,714,219$157,815,907
100$256,183,190$12,654,356$2,568,712$173,442,399