Can I retire at age 52 with 2,910,000?

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 $2,910,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.4%
1 years$240,305$238,165$236,076$234,038$232,047$223,282
2 years$118,963$116,747$114,600$112,518$110,499$101,769
3 years$78,521$76,296$74,154$72,091$70,105$61,686
4 years$58,304$56,085$53,965$51,938$49,999$41,956
5 years$46,177$43,972$41,879$39,893$38,009$30,361
6 years$38,095$35,906$33,845$31,903$30,075$22,828
7 years$32,324$30,154$28,125$26,229$24,459$17,611
8 years$27,998$25,847$23,852$22,003$20,291$13,836
9 years$24,635$22,505$20,544$18,742$17,088$11,016
10 years$21,946$19,837$17,911$16,156$14,560$8,860
11 years$19,748$17,660$15,768$14,060$12,522$7,182
12 years$17,917$15,850$13,994$12,333$10,851$5,857
13 years$16,369$14,324$12,503$10,888$9,463$4,800
14 years$15,044$13,020$11,234$9,665$8,295$3,949
15 years$13,896$11,894$10,142$8,620$7,303$3,259
16 years$12,892$10,913$9,196$7,718$6,455$2,697
17 years$12,008$10,050$8,368$6,934$5,723$2,236
18 years$11,223$9,287$7,639$6,249$5,089$1,857
19 years$10,521$8,607$6,993$5,647$4,536$1,545
20 years$9,890$7,998$6,418$5,114$4,051$1,286
21 years$9,320$7,450$5,903$4,641$3,626$1,072
22 years$8,803$6,954$5,441$4,220$3,250$894
23 years$8,331$6,504$5,023$3,843$2,917$746
24 years$7,899$6,094$4,646$3,505$2,622$623
25 years$7,502$5,719$4,303$3,201$2,359$521
26 years$7,137$5,375$3,991$2,927$2,125$435
27 years$6,799$5,058$3,706$2,679$1,916$364
28 years$6,486$4,766$3,445$2,455$1,729$304
29 years$6,195$4,497$3,206$2,251$1,561$255
30 years$5,924$4,246$2,986$2,066$1,411$213
31 years$5,670$4,014$2,784$1,897$1,275$178
32 years$5,433$3,798$2,597$1,744$1,154$149
33 years$5,211$3,597$2,425$1,604$1,044$125
34 years$5,003$3,409$2,266$1,475$945$105
35 years$4,807$3,234$2,119$1,358$856$88
36 years$4,622$3,069$1,982$1,251$776$73
37 years$4,447$2,915$1,855$1,152$703$61
38 years$4,282$2,770$1,737$1,062$637$51
39 years$4,126$2,634$1,627$979$578$43
40 years$3,978$2,506$1,525$903$524$36
41 years$3,838$2,386$1,430$834$476$30
42 years$3,705$2,272$1,342$769$432$25
43 years$3,578$2,165$1,259$710$392$21
44 years$3,457$2,064$1,182$656$356$18
45 years$3,343$1,968$1,110$606$323$15
46 years$3,233$1,877$1,042$559$293$12
47 years$3,128$1,791$979$517$266$10
48 years$3,028$1,710$920$477$242$9
49 years$2,933$1,633$865$441$219$7
50 years$2,841$1,560$813$408$199$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,910,000, adding $4,703 every year, while hoping to spend $54,376 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: 65/9/26 Blend
51$2,910,000$2,910,000$2,910,000$2,910,000
52$3,211,671$3,057,441$3,012,336$3,398,233
53$3,481,406$3,149,400$3,055,394$3,616,676
54$3,776,831$3,244,043$3,098,071$3,848,837
55$4,100,510$3,341,443$3,140,299$4,101,380
56$4,455,265$3,441,676$3,182,002$4,376,314
57$4,844,205$3,544,821$3,223,102$4,675,852
58$5,270,754$3,650,957$3,263,515$5,002,432
59$5,738,682$3,760,166$3,303,154$5,358,740
60$6,252,144$3,872,530$3,341,926$5,747,734
61$6,815,714$3,988,136$3,379,733$6,172,673
62$7,434,434$4,107,071$3,416,470$6,637,147
63$8,113,853$4,229,425$3,452,029$7,145,113
64$8,860,088$4,355,288$3,486,294$7,700,929
65$9,679,875$4,484,756$3,519,143$8,309,396
66$10,580,637$4,617,923$3,550,449$8,975,806
67$11,570,549$4,754,889$3,580,076$9,705,989
68$12,658,618$4,895,752$3,607,882$10,506,367
69$13,854,769$5,040,615$3,633,718$11,384,019
70$15,169,934$5,189,584$3,657,426$12,346,744
71$16,616,158$5,342,764$3,678,840$13,403,135
72$18,206,711$5,500,265$3,697,787$14,562,662
73$19,956,216$5,662,198$3,714,083$15,835,761
74$21,880,782$5,828,677$3,727,536$17,233,929
75$23,998,157$5,999,818$3,737,945$18,769,837
76$26,327,900$6,175,740$3,745,096$20,457,448
77$28,891,557$6,356,562$3,748,768$22,312,149
78$31,712,870$6,542,409$3,748,727$24,350,895
79$34,818,001$6,733,404$3,744,727$26,592,372
80$38,235,773$6,929,677$3,736,511$29,057,168
81$41,997,947$7,131,357$3,723,809$31,767,976
82$46,139,520$7,338,576$3,706,339$34,749,798
83$50,699,053$7,551,468$3,683,804$38,030,192
84$55,719,038$7,770,172$3,655,893$41,639,522
85$61,246,295$7,994,825$3,622,281$45,611,252
86$67,332,416$8,225,570$3,582,625$49,982,260
87$74,034,249$8,462,550$3,536,570$54,793,183
88$81,414,438$8,705,910$3,483,741$60,088,808
89$89,542,010$8,955,799$3,423,745$65,918,487
90$98,493,028$9,212,366$3,356,174$72,336,609
91$108,351,309$9,475,764$3,280,598$79,403,111
92$119,209,212$9,746,146$3,196,568$87,184,044
93$131,168,513$10,023,668$3,103,613$95,752,199
94$144,341,361$10,308,488$3,001,244$105,187,793
95$158,851,339$10,600,764$2,888,946$115,579,225
96$174,834,631$10,900,656$2,766,181$127,023,914
97$192,441,303$11,208,328$2,632,388$139,629,218
98$211,836,723$11,523,943$2,486,979$153,513,448
99$233,203,116$11,847,664$2,329,341$168,806,984
100$256,741,292$12,179,658$2,158,832$185,653,508