Can I retire at age 52 with 2,950,000?

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 $2,950,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.9%
1 years$243,608$241,438$239,321$237,255$235,237$229,550
2 years$120,598$118,352$116,175$114,065$112,018$106,323
3 years$79,600$77,344$75,173$73,082$71,069$65,543
4 years$59,105$56,856$54,707$52,652$50,687$45,373
5 years$46,811$44,576$42,455$40,442$38,531$33,445
6 years$38,618$36,400$34,310$32,341$30,488$25,634
7 years$32,768$30,568$28,512$26,590$24,795$20,174
8 years$28,383$26,203$24,180$22,305$20,570$16,179
9 years$24,974$22,814$20,826$18,999$17,323$13,159
10 years$22,248$20,110$18,157$16,378$14,760$10,819
11 years$20,019$17,902$15,985$14,253$12,694$8,970
12 years$18,163$16,068$14,186$12,502$11,000$7,487
13 years$16,594$14,521$12,674$11,038$9,593$6,283
14 years$15,250$13,199$11,388$9,798$8,409$5,296
15 years$14,087$12,058$10,282$8,738$7,404$4,480
16 years$13,070$11,063$9,322$7,824$6,544$3,802
17 years$12,173$10,188$8,483$7,030$5,802$3,234
18 years$11,377$9,414$7,744$6,335$5,159$2,757
19 years$10,666$8,725$7,089$5,724$4,598$2,354
20 years$10,026$8,108$6,506$5,185$4,107$2,013
21 years$9,448$7,552$5,984$4,705$3,675$1,724
22 years$8,924$7,050$5,515$4,278$3,295$1,478
23 years$8,445$6,593$5,092$3,896$2,957$1,268
24 years$8,008$6,178$4,710$3,554$2,658$1,089
25 years$7,606$5,797$4,362$3,245$2,392$936
26 years$7,235$5,449$4,046$2,967$2,155$805
27 years$6,892$5,128$3,757$2,716$1,943$692
28 years$6,575$4,832$3,492$2,489$1,753$596
29 years$6,280$4,558$3,250$2,282$1,583$513
30 years$6,005$4,305$3,027$2,094$1,430$442
31 years$5,748$4,070$2,822$1,923$1,293$380
32 years$5,508$3,851$2,633$1,768$1,170$328
33 years$5,283$3,647$2,459$1,626$1,058$282
34 years$5,072$3,456$2,297$1,496$958$243
35 years$4,873$3,278$2,148$1,377$868$210
36 years$4,685$3,111$2,009$1,268$786$181
37 years$4,508$2,955$1,880$1,168$713$156
38 years$4,341$2,808$1,761$1,077$646$134
39 years$4,183$2,671$1,650$993$586$116
40 years$4,033$2,541$1,546$916$531$100
41 years$3,891$2,419$1,450$845$482$86
42 years$3,756$2,303$1,360$780$438$74
43 years$3,627$2,195$1,276$720$397$64
44 years$3,505$2,092$1,198$665$360$55
45 years$3,388$1,995$1,125$614$327$48
46 years$3,277$1,903$1,057$567$297$41
47 years$3,171$1,816$993$524$270$36
48 years$3,070$1,734$933$484$245$31
49 years$2,973$1,656$877$447$223$26
50 years$2,880$1,581$824$414$202$23

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,950,000, adding $3,685 every year, while hoping to spend $27,733 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: 50/23/27 Blend
51$2,950,000$2,950,000$2,950,000$2,950,000
52$3,254,701$3,098,351$3,052,626$3,392,428
53$3,557,173$3,220,663$3,125,381$3,611,278
54$3,889,567$3,348,038$3,199,644$3,845,948
55$4,254,907$3,480,696$3,275,437$4,100,475
56$4,656,523$3,618,865$3,352,779$4,376,753
57$5,098,083$3,762,784$3,431,692$4,676,869
58$5,583,630$3,912,703$3,512,196$5,003,116
59$6,117,618$4,068,883$3,594,312$5,358,016
60$6,704,953$4,231,596$3,678,059$5,744,345
61$7,351,041$4,401,127$3,763,457$6,165,154
62$8,061,838$4,577,774$3,850,524$6,623,804
63$8,843,909$4,761,848$3,939,280$7,123,990
64$9,704,483$4,953,673$4,029,741$7,669,782
65$10,651,528$5,153,591$4,121,925$8,265,655
66$11,693,823$5,361,957$4,215,849$8,916,537
67$12,841,041$5,579,141$4,311,528$9,627,852
68$14,103,841$5,805,532$4,408,978$10,405,571
69$15,493,966$6,041,537$4,508,212$11,256,267
70$17,024,357$6,287,579$4,609,244$12,187,177
71$18,709,273$6,544,102$4,712,085$13,206,266
72$20,564,427$6,811,570$4,816,748$14,322,309
73$22,607,130$7,090,469$4,923,240$15,544,965
74$24,856,461$7,381,306$5,031,573$16,884,869
75$27,333,441$7,684,610$5,141,751$18,353,735
76$30,061,233$8,000,938$5,253,782$19,964,462
77$33,065,364$8,330,869$5,367,668$21,731,255
78$36,373,960$8,675,010$5,483,413$23,669,760
79$40,018,014$9,033,995$5,601,018$25,797,207
80$44,031,679$9,408,489$5,720,480$28,132,574
81$48,452,591$9,799,186$5,841,797$30,696,766
82$53,322,221$10,206,812$5,964,963$33,512,807
83$58,686,269$10,632,127$6,089,970$36,606,059
84$64,595,092$11,075,925$6,216,808$40,004,457
85$71,104,185$11,539,039$6,345,464$43,738,777
86$78,274,697$12,022,337$6,475,923$47,842,917
87$86,174,015$12,526,730$6,608,165$52,354,223
88$94,876,396$13,053,171$6,742,170$57,313,832
89$104,463,667$13,602,655$6,877,911$62,767,066
90$115,026,000$14,176,225$7,015,361$68,763,855
91$126,662,764$14,774,972$7,154,487$75,359,202
92$139,483,457$15,400,036$7,295,253$82,613,709
93$153,608,745$16,052,614$7,437,620$90,594,139
94$169,171,599$16,733,953$7,581,542$99,374,048
95$186,318,548$17,445,364$7,726,970$109,034,477
96$205,211,068$18,188,214$7,873,851$119,664,713
97$226,027,097$18,963,936$8,022,125$131,363,130
98$248,962,722$19,774,031$8,171,728$144,238,117
99$274,234,029$20,620,068$8,322,590$158,409,095
100$302,079,138$21,503,689$8,474,635$174,007,645