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%13%
1 years$237,002$234,891$232,831$230,821$228,858$225,998
2 years$117,328$115,143$113,025$110,972$108,980$106,102
3 years$77,441$75,247$73,135$71,101$69,141$66,335
4 years$57,502$55,314$53,223$51,224$49,312$46,599
5 years$45,542$43,367$41,303$39,345$37,486$34,875
6 years$37,571$35,413$33,379$31,464$29,662$27,154
7 years$31,880$29,739$27,738$25,869$24,123$21,721
8 years$27,613$25,492$23,524$21,701$20,012$17,715
9 years$24,296$22,196$20,261$18,484$16,853$14,660
10 years$21,645$19,564$17,664$15,933$14,360$12,269
11 years$19,476$17,417$15,551$13,867$12,350$10,360
12 years$17,671$15,632$13,802$12,163$10,702$8,811
13 years$16,144$14,127$12,331$10,738$9,332$7,537
14 years$14,837$12,841$11,079$9,532$8,181$6,479
15 years$13,705$11,731$10,003$8,501$7,203$5,592
16 years$12,715$10,763$9,069$7,612$6,366$4,842
17 years$11,843$9,912$8,253$6,839$5,645$4,205
18 years$11,068$9,159$7,534$6,163$5,019$3,661
19 years$10,376$8,489$6,897$5,569$4,473$3,194
20 years$9,754$7,888$6,329$5,044$3,996$2,792
21 years$9,192$7,347$5,822$4,578$3,576$2,444
22 years$8,682$6,859$5,366$4,162$3,205$2,142
23 years$8,216$6,415$4,954$3,791$2,877$1,880
24 years$7,791$6,010$4,582$3,457$2,586$1,652
25 years$7,399$5,640$4,244$3,157$2,327$1,452
26 years$7,039$5,301$3,936$2,887$2,096$1,278
27 years$6,706$4,989$3,655$2,642$1,890$1,125
28 years$6,397$4,701$3,398$2,421$1,705$991
29 years$6,110$4,435$3,162$2,220$1,540$874
30 years$5,842$4,188$2,945$2,038$1,391$771
31 years$5,592$3,959$2,746$1,871$1,258$680
32 years$5,359$3,746$2,562$1,720$1,138$600
33 years$5,140$3,548$2,392$1,581$1,030$530
34 years$4,934$3,362$2,235$1,455$932$468
35 years$4,741$3,189$2,089$1,340$844$413
36 years$4,558$3,027$1,955$1,234$765$365
37 years$4,386$2,875$1,829$1,137$693$323
38 years$4,224$2,732$1,713$1,048$629$285
39 years$4,070$2,598$1,605$966$570$252
40 years$3,924$2,472$1,504$891$517$223
41 years$3,785$2,353$1,411$822$469$197
42 years$3,654$2,241$1,323$759$426$174
43 years$3,529$2,135$1,242$700$386$154
44 years$3,410$2,035$1,166$647$351$136
45 years$3,297$1,941$1,094$597$318$121
46 years$3,188$1,851$1,028$552$289$107
47 years$3,085$1,767$966$510$262$94
48 years$2,987$1,687$907$471$238$83
49 years$2,892$1,611$853$435$216$74
50 years$2,802$1,539$802$402$197$65

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 $2,799 every year, while hoping to spend $35,868 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: 46/45/9 Blend
51$2,870,000$2,870,000$2,870,000$2,870,000
52$3,165,627$3,013,517$2,969,032$3,303,207
53$3,450,358$3,123,016$3,030,331$3,507,889
54$3,762,929$3,236,679$3,092,482$3,725,859
55$4,106,142$3,354,670$3,155,475$3,961,487
56$4,483,084$3,477,165$3,219,299$4,216,419
57$4,897,155$3,604,342$3,283,941$4,492,461
58$5,352,100$3,736,390$3,349,389$4,791,601
59$5,852,046$3,873,505$3,415,625$5,116,020
60$6,401,538$4,015,890$3,482,631$5,468,118
61$7,005,584$4,163,758$3,550,389$5,850,533
62$7,669,703$4,317,331$3,618,877$6,266,164
63$8,399,973$4,476,840$3,688,069$6,718,199
64$9,203,091$4,642,526$3,757,940$7,210,144
65$10,086,436$4,814,640$3,828,461$7,745,857
66$11,058,138$4,993,443$3,899,600$8,329,578
67$12,127,154$5,179,208$3,971,323$8,965,976
68$13,303,355$5,372,220$4,043,593$9,660,182
69$14,597,613$5,572,775$4,116,370$10,417,847
70$16,021,912$5,781,183$4,189,610$11,245,186
71$17,589,452$5,997,766$4,263,267$12,149,039
72$19,314,781$6,222,861$4,337,291$13,136,936
73$21,213,925$6,456,819$4,411,627$14,217,160
74$23,304,548$6,700,005$4,486,219$15,398,833
75$25,606,108$6,952,801$4,561,003$16,691,995
76$28,140,049$7,215,606$4,635,915$18,107,696
77$30,929,998$7,488,836$4,710,883$19,658,105
78$34,001,992$7,772,922$4,785,831$21,356,617
79$37,384,719$8,068,319$4,860,680$23,217,981
80$41,109,792$8,375,498$4,935,344$25,258,437
81$45,212,044$8,694,952$5,009,732$27,495,868
82$49,729,862$9,027,193$5,083,747$29,949,966
83$54,705,542$9,372,760$5,157,287$32,642,415
84$60,185,693$9,732,211$5,230,242$35,597,098
85$66,221,675$10,106,131$5,302,497$38,840,314
86$72,870,085$10,495,130$5,373,929$42,401,030
87$80,193,287$10,899,845$5,444,409$46,311,150
88$88,260,005$11,320,940$5,513,799$50,605,811
89$97,145,968$11,759,109$5,581,954$55,323,717
90$106,934,628$12,215,077$5,648,721$60,507,499
91$117,717,945$12,689,600$5,713,938$66,204,115
92$129,597,253$13,183,468$5,777,433$72,465,292
93$142,684,221$13,697,506$5,839,025$79,348,009
94$157,101,904$14,232,576$5,898,524$86,915,033
95$172,985,902$14,789,576$5,955,729$95,235,512
96$190,485,646$15,369,448$6,010,428$104,385,616
97$209,765,802$15,973,171$6,062,398$114,449,263
98$231,007,829$16,601,771$6,111,403$125,518,899
99$254,411,689$17,256,319$6,157,196$137,696,371
100$280,197,735$17,937,933$6,199,516$151,093,887