Can I retire at age 52 with 2,880,000?

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 $2,880,000?

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$237,828$235,709$233,642$231,625$229,655$224,012
2 years$117,736$115,544$113,419$111,358$109,360$103,709
3 years$77,711$75,509$73,389$71,348$69,382$63,901
4 years$57,703$55,507$53,409$51,402$49,484$44,214
5 years$45,701$43,518$41,447$39,482$37,617$32,574
6 years$37,702$35,536$33,496$31,574$29,765$24,953
7 years$31,991$29,843$27,835$25,959$24,207$19,626
8 years$27,709$25,581$23,606$21,776$20,082$15,731
9 years$24,381$22,273$20,332$18,548$16,912$12,787
10 years$21,720$19,632$17,726$15,989$14,410$10,506
11 years$19,544$17,478$15,606$13,915$12,393$8,705
12 years$17,732$15,687$13,850$12,205$10,739$7,261
13 years$16,200$14,176$12,374$10,776$9,365$6,090
14 years$14,888$12,886$11,118$9,565$8,209$5,129
15 years$13,752$11,772$10,038$8,531$7,228$4,336
16 years$12,759$10,800$9,101$7,638$6,388$3,677
17 years$11,884$9,947$8,281$6,863$5,664$3,125
18 years$11,107$9,191$7,560$6,185$5,036$2,662
19 years$10,413$8,518$6,921$5,589$4,489$2,272
20 years$9,788$7,916$6,351$5,062$4,010$1,942
21 years$9,224$7,373$5,842$4,594$3,588$1,661
22 years$8,712$6,882$5,384$4,177$3,216$1,423
23 years$8,245$6,437$4,972$3,804$2,887$1,220
24 years$7,818$6,031$4,598$3,469$2,595$1,047
25 years$7,425$5,660$4,259$3,168$2,335$899
26 years$7,063$5,319$3,950$2,897$2,103$772
27 years$6,729$5,006$3,668$2,652$1,896$664
28 years$6,419$4,717$3,409$2,429$1,711$571
29 years$6,131$4,450$3,173$2,228$1,545$491
30 years$5,862$4,203$2,955$2,045$1,396$422
31 years$5,612$3,973$2,755$1,878$1,262$364
32 years$5,377$3,759$2,571$1,726$1,142$313
33 years$5,158$3,560$2,400$1,587$1,033$269
34 years$4,951$3,374$2,243$1,460$936$232
35 years$4,757$3,200$2,097$1,344$847$200
36 years$4,574$3,038$1,961$1,238$768$172
37 years$4,401$2,885$1,836$1,141$696$148
38 years$4,238$2,742$1,719$1,051$631$128
39 years$4,084$2,607$1,611$969$572$110
40 years$3,937$2,480$1,510$894$519$95
41 years$3,799$2,361$1,416$825$471$82
42 years$3,667$2,249$1,328$761$427$70
43 years$3,541$2,143$1,246$703$388$61
44 years$3,422$2,042$1,170$649$352$52
45 years$3,308$1,948$1,098$599$319$45
46 years$3,200$1,858$1,031$554$290$39
47 years$3,096$1,773$969$511$263$34
48 years$2,997$1,693$911$473$239$29
49 years$2,902$1,616$856$437$217$25
50 years$2,812$1,544$805$404$197$21

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,880,000, adding $3,925 every year, while hoping to spend $50,813 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: 66/24/10 Blend
51$2,880,000$2,880,000$2,880,000$2,880,000
52$3,177,809$3,025,169$2,980,529$3,380,604
53$3,447,880$3,119,337$3,026,312$3,610,263
54$3,743,797$3,216,417$3,071,925$3,854,784
55$4,068,140$3,316,497$3,117,311$4,120,716
56$4,423,753$3,419,669$3,162,404$4,410,146
57$4,813,771$3,526,028$3,207,139$4,725,367
58$5,241,642$3,635,669$3,251,445$5,068,908
59$5,711,167$3,748,695$3,295,246$5,443,549
60$6,226,533$3,865,208$3,338,463$5,852,354
61$6,792,350$3,985,313$3,381,013$6,298,693
62$7,413,697$4,109,122$3,422,804$6,786,281
63$8,096,171$4,236,745$3,463,745$7,319,205
64$8,845,935$4,368,300$3,503,735$7,901,968
65$9,669,779$4,503,905$3,542,669$8,539,527
66$10,575,184$4,643,685$3,580,436$9,237,345
67$11,570,392$4,787,764$3,616,920$10,001,434
68$12,664,482$4,936,275$3,651,997$10,838,418
69$13,867,458$5,089,351$3,685,537$11,755,595
70$15,190,340$5,247,130$3,717,403$12,761,000
71$16,645,270$5,409,755$3,747,452$13,863,485
72$18,245,627$5,577,373$3,775,531$15,072,804
73$20,006,151$5,750,134$3,801,481$16,399,697
74$21,943,081$5,928,193$3,825,134$17,855,999
75$24,074,311$6,111,711$3,846,312$19,454,746
76$26,419,558$6,300,851$3,864,830$21,210,300
77$29,000,544$6,495,785$3,880,493$23,138,485
78$31,841,206$6,696,685$3,893,096$25,256,732
79$34,967,918$6,903,731$3,902,424$27,584,246
80$38,409,740$7,117,108$3,908,249$30,142,189
81$42,198,693$7,337,006$3,910,335$32,953,871
82$46,370,061$7,563,620$3,908,433$36,044,981
83$50,962,722$7,797,152$3,902,280$39,443,819
84$56,019,516$8,037,810$3,891,603$43,181,567
85$61,587,650$8,285,805$3,876,114$47,292,583
86$67,719,138$8,541,357$3,855,512$51,814,724
87$74,471,299$8,804,693$3,829,481$56,789,704
88$81,907,291$9,076,043$3,797,688$62,263,482
89$90,096,713$9,355,647$3,759,789$68,286,704
90$99,116,254$9,643,750$3,715,418$74,915,172
91$109,050,423$9,940,604$3,664,196$82,210,377
92$119,992,343$10,246,471$3,605,723$90,240,072
93$132,044,631$10,561,617$3,539,583$99,078,918
94$145,320,363$10,886,316$3,465,340$108,809,182
95$159,944,146$11,220,852$3,382,535$119,521,518
96$176,053,290$11,565,515$3,290,691$131,315,817
97$193,799,105$11,920,603$3,189,308$144,302,155
98$213,348,326$12,286,426$3,077,862$158,601,825
99$234,884,692$12,663,297$2,955,807$174,348,488
100$258,610,674$13,051,542$2,822,570$191,689,429