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

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 $2,910,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.6%
1 years$240,305$238,165$236,076$234,038$232,047$227,642
2 years$118,963$116,747$114,600$112,518$110,499$106,077
3 years$78,521$76,296$74,154$72,091$70,105$65,805
4 years$58,304$56,085$53,965$51,938$49,999$45,855
5 years$46,177$43,972$41,879$39,893$38,009$34,031
6 years$38,095$35,906$33,845$31,903$30,075$26,269
7 years$32,324$30,154$28,125$26,229$24,459$20,825
8 years$27,998$25,847$23,852$22,003$20,291$16,829
9 years$24,635$22,505$20,544$18,742$17,088$13,795
10 years$21,946$19,837$17,911$16,156$14,560$11,433
11 years$19,748$17,660$15,768$14,060$12,522$9,557
12 years$17,917$15,850$13,994$12,333$10,851$8,045
13 years$16,369$14,324$12,503$10,888$9,463$6,810
14 years$15,044$13,020$11,234$9,665$8,295$5,791
15 years$13,896$11,894$10,142$8,620$7,303$4,944
16 years$12,892$10,913$9,196$7,718$6,455$4,234
17 years$12,008$10,050$8,368$6,934$5,723$3,635
18 years$11,223$9,287$7,639$6,249$5,089$3,129
19 years$10,521$8,607$6,993$5,647$4,536$2,698
20 years$9,890$7,998$6,418$5,114$4,051$2,330
21 years$9,320$7,450$5,903$4,641$3,626$2,015
22 years$8,803$6,954$5,441$4,220$3,250$1,745
23 years$8,331$6,504$5,023$3,843$2,917$1,512
24 years$7,899$6,094$4,646$3,505$2,622$1,312
25 years$7,502$5,719$4,303$3,201$2,359$1,139
26 years$7,137$5,375$3,991$2,927$2,125$990
27 years$6,799$5,058$3,706$2,679$1,916$860
28 years$6,486$4,766$3,445$2,455$1,729$748
29 years$6,195$4,497$3,206$2,251$1,561$651
30 years$5,924$4,246$2,986$2,066$1,411$567
31 years$5,670$4,014$2,784$1,897$1,275$493
32 years$5,433$3,798$2,597$1,744$1,154$430
33 years$5,211$3,597$2,425$1,604$1,044$374
34 years$5,003$3,409$2,266$1,475$945$326
35 years$4,807$3,234$2,119$1,358$856$284
36 years$4,622$3,069$1,982$1,251$776$248
37 years$4,447$2,915$1,855$1,152$703$216
38 years$4,282$2,770$1,737$1,062$637$188
39 years$4,126$2,634$1,627$979$578$164
40 years$3,978$2,506$1,525$903$524$143
41 years$3,838$2,386$1,430$834$476$125
42 years$3,705$2,272$1,342$769$432$109
43 years$3,578$2,165$1,259$710$392$95
44 years$3,457$2,064$1,182$656$356$83
45 years$3,343$1,968$1,110$606$323$72
46 years$3,233$1,877$1,042$559$293$63
47 years$3,128$1,791$979$517$266$55
48 years$3,028$1,710$920$477$242$48
49 years$2,933$1,633$865$441$219$42
50 years$2,841$1,560$813$408$199$37

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 $5,367 every year, while hoping to spend $39,270 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: 61/20/19 Blend
51$2,910,000$2,910,000$2,910,000$2,910,000
52$3,212,356$3,058,126$3,013,021$3,392,223
53$3,498,233$3,166,191$3,072,174$3,622,392
54$3,811,954$3,278,235$3,131,993$3,868,638
55$4,156,317$3,394,412$3,192,458$4,136,479
56$4,534,404$3,514,881$3,253,548$4,428,017
57$4,949,611$3,639,809$3,315,240$4,745,565
58$5,405,680$3,769,368$3,377,509$5,091,669
59$5,906,731$3,903,738$3,440,327$5,469,132
60$6,457,303$4,043,108$3,503,664$5,881,039
61$7,062,399$4,187,671$3,567,488$6,330,786
62$7,727,528$4,337,630$3,631,763$6,822,114
63$8,458,760$4,493,198$3,696,451$7,359,140
64$9,262,782$4,654,594$3,761,511$7,946,397
65$10,146,964$4,822,047$3,826,900$8,588,879
66$11,119,423$4,995,796$3,892,569$9,292,082
67$12,189,103$5,176,089$3,958,469$10,062,063
68$13,365,858$5,363,184$4,024,545$10,905,488
69$14,660,547$5,557,351$4,090,738$11,829,702
70$16,085,132$5,758,871$4,156,987$12,842,794
71$17,652,795$5,968,035$4,223,225$13,953,673
72$19,378,059$6,185,148$4,289,383$15,172,151
73$21,276,928$6,410,527$4,355,384$16,509,040
74$23,367,034$6,644,502$4,421,148$17,976,244
75$25,667,806$6,887,417$4,486,592$19,586,882
76$28,200,653$7,139,631$4,551,623$21,355,401
77$30,989,164$7,401,518$4,616,148$23,297,719
78$34,059,334$7,673,467$4,680,063$25,431,371
79$37,439,802$7,955,883$4,743,261$27,775,674
80$41,162,130$8,249,190$4,805,629$30,351,911
81$45,261,096$8,553,828$4,867,046$33,183,529
82$49,775,019$8,870,257$4,927,383$36,296,359
83$54,746,127$9,198,956$4,986,506$39,718,862
84$60,220,950$9,540,424$5,044,273$43,482,393
85$66,250,764$9,895,181$5,100,533$47,621,499
86$72,892,067$10,263,770$5,155,126$52,174,245
87$80,207,121$10,646,758$5,207,886$57,182,568
88$88,264,532$11,044,734$5,258,635$62,692,678
89$97,139,902$11,458,314$5,307,187$68,755,488
90$106,916,541$11,888,139$5,353,346$75,427,096
91$117,686,249$12,334,880$5,396,905$82,769,315
92$129,550,192$12,799,234$5,437,646$90,850,251
93$142,619,844$13,281,929$5,475,340$99,744,950
94$157,018,051$13,783,726$5,509,746$109,536,102
95$172,880,180$14,305,417$5,540,611$120,314,822
96$190,355,405$14,847,829$5,567,668$132,181,508
97$209,608,108$15,411,824$5,590,637$145,246,788
98$230,819,435$15,998,304$5,609,223$159,632,563
99$254,189,003$16,608,207$5,623,118$175,473,157
100$279,936,786$17,242,513$5,631,997$192,916,583