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

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 $2,870,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16%
1 years$237,002$234,891$232,831$230,821$228,858$223,235
2 years$117,328$115,143$113,025$110,972$108,980$103,349
3 years$77,441$75,247$73,135$71,101$69,141$63,679
4 years$57,502$55,314$53,223$51,224$49,312$44,061
5 years$45,542$43,367$41,303$39,345$37,486$32,460
6 years$37,571$35,413$33,379$31,464$29,662$24,866
7 years$31,880$29,739$27,738$25,869$24,123$19,558
8 years$27,613$25,492$23,524$21,701$20,012$15,676
9 years$24,296$22,196$20,261$18,484$16,853$12,743
10 years$21,645$19,564$17,664$15,933$14,360$10,470
11 years$19,476$17,417$15,551$13,867$12,350$8,675
12 years$17,671$15,632$13,802$12,163$10,702$7,236
13 years$16,144$14,127$12,331$10,738$9,332$6,068
14 years$14,837$12,841$11,079$9,532$8,181$5,112
15 years$13,705$11,731$10,003$8,501$7,203$4,321
16 years$12,715$10,763$9,069$7,612$6,366$3,664
17 years$11,843$9,912$8,253$6,839$5,645$3,115
18 years$11,068$9,159$7,534$6,163$5,019$2,653
19 years$10,376$8,489$6,897$5,569$4,473$2,264
20 years$9,754$7,888$6,329$5,044$3,996$1,935
21 years$9,192$7,347$5,822$4,578$3,576$1,656
22 years$8,682$6,859$5,366$4,162$3,205$1,418
23 years$8,216$6,415$4,954$3,791$2,877$1,216
24 years$7,791$6,010$4,582$3,457$2,586$1,043
25 years$7,399$5,640$4,244$3,157$2,327$896
26 years$7,039$5,301$3,936$2,887$2,096$770
27 years$6,706$4,989$3,655$2,642$1,890$661
28 years$6,397$4,701$3,398$2,421$1,705$569
29 years$6,110$4,435$3,162$2,220$1,540$489
30 years$5,842$4,188$2,945$2,038$1,391$421
31 years$5,592$3,959$2,746$1,871$1,258$362
32 years$5,359$3,746$2,562$1,720$1,138$312
33 years$5,140$3,548$2,392$1,581$1,030$269
34 years$4,934$3,362$2,235$1,455$932$231
35 years$4,741$3,189$2,089$1,340$844$199
36 years$4,558$3,027$1,955$1,234$765$172
37 years$4,386$2,875$1,829$1,137$693$148
38 years$4,224$2,732$1,713$1,048$629$127
39 years$4,070$2,598$1,605$966$570$110
40 years$3,924$2,472$1,504$891$517$95
41 years$3,785$2,353$1,411$822$469$81
42 years$3,654$2,241$1,323$759$426$70
43 years$3,529$2,135$1,242$700$386$61
44 years$3,410$2,035$1,166$647$351$52
45 years$3,297$1,941$1,094$597$318$45
46 years$3,188$1,851$1,028$552$289$39
47 years$3,085$1,767$966$510$262$33
48 years$2,987$1,687$907$471$238$29
49 years$2,892$1,611$853$435$216$25
50 years$2,802$1,539$802$402$197$21

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 $3,894 every year, while hoping to spend $47,081 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: 65/30/5 Blend
51$2,870,000$2,870,000$2,870,000$2,870,000
52$3,166,757$3,014,647$2,970,162$3,370,208
53$3,439,672$3,112,271$3,019,568$3,603,446
54$3,738,847$3,213,100$3,069,052$3,852,164
55$4,066,910$3,317,242$3,118,566$4,122,622
56$4,426,756$3,424,809$3,168,059$4,416,928
57$4,821,575$3,535,914$3,217,479$4,737,398
58$5,254,879$3,650,678$3,266,768$5,086,585
59$5,730,538$3,769,222$3,315,866$5,467,294
60$6,252,813$3,891,674$3,364,707$5,882,616
61$6,826,399$4,018,165$3,413,225$6,335,952
62$7,456,469$4,148,833$3,461,345$6,831,046
63$8,148,720$4,283,817$3,508,991$7,372,020
64$8,909,429$4,423,263$3,556,082$7,963,411
65$9,745,511$4,567,323$3,602,531$8,610,216
66$10,664,584$4,716,152$3,648,246$9,317,936
67$11,675,040$4,869,913$3,693,131$10,092,629
68$12,786,127$5,028,772$3,737,084$10,940,966
69$14,008,033$5,192,902$3,779,997$11,870,294
70$15,351,981$5,362,483$3,821,756$12,888,703
71$16,830,338$5,537,700$3,862,240$14,005,104
72$18,456,730$5,718,745$3,901,322$15,229,311
73$20,246,169$5,905,816$3,938,870$16,572,134
74$22,215,198$6,099,120$3,974,741$18,045,477
75$24,382,040$6,298,869$4,008,787$19,662,457
76$26,766,779$6,505,284$4,040,851$21,437,519
77$29,391,540$6,718,593$4,070,770$23,386,577
78$32,280,706$6,939,033$4,098,370$25,527,159
79$35,461,140$7,166,848$4,123,467$27,878,578
80$38,962,444$7,402,291$4,145,871$30,462,106
81$42,817,236$7,645,626$4,165,380$33,301,180
82$47,061,456$7,897,124$4,181,783$36,421,620
83$51,734,708$8,157,066$4,194,856$39,851,870
84$56,880,631$8,425,745$4,204,366$43,623,270
85$62,547,310$8,703,461$4,210,067$47,770,346
86$68,787,734$8,990,529$4,211,702$52,331,138
87$75,660,289$9,287,272$4,209,001$57,347,558
88$83,229,316$9,594,025$4,201,680$62,865,784
89$91,565,712$9,911,138$4,189,442$68,936,693
90$100,747,601$10,238,970$4,171,974$75,616,344
91$110,861,071$10,577,894$4,148,950$82,966,503
92$122,000,987$10,928,298$4,120,027$91,055,227
93$134,271,885$11,290,582$4,084,845$99,957,501
94$147,788,959$11,665,163$4,043,030$109,755,952
95$162,679,147$12,052,470$3,994,185$120,541,621
96$179,082,330$12,452,950$3,937,900$132,414,823
97$197,152,649$12,867,066$3,873,741$145,486,094
98$217,059,964$13,295,297$3,801,256$159,877,233
99$238,991,454$13,738,140$3,719,972$175,722,449
100$263,153,384$14,196,111$3,629,393$193,169,626