Can I retire at age 52 with 2,510,000?

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 $2,510,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.8%
1 years$207,273$205,427$203,626$201,868$200,151$195,392
2 years$102,611$100,700$98,848$97,052$95,310$90,543
3 years$67,728$65,808$63,961$62,182$60,469$55,843
4 years$50,289$48,376$46,547$44,799$43,127$38,678
5 years$39,829$37,927$36,122$34,410$32,784$28,524
6 years$32,858$30,971$29,192$27,518$25,941$21,875
7 years$27,881$26,009$24,259$22,624$21,097$17,225
8 years$24,149$22,295$20,574$18,979$17,502$13,822
9 years$21,249$19,411$17,720$16,166$14,739$11,249
10 years$18,930$17,110$15,449$13,935$12,559$9,254
11 years$17,033$15,232$13,601$12,127$10,801$7,678
12 years$15,454$13,672$12,070$10,637$9,360$6,412
13 years$14,119$12,355$10,784$9,391$8,162$5,385
14 years$12,976$11,230$9,690$8,337$7,155$4,542
15 years$11,986$10,259$8,748$7,435$6,300$3,845
16 years$11,120$9,413$7,932$6,657$5,568$3,265
17 years$10,357$8,669$7,217$5,981$4,937$2,779
18 years$9,680$8,010$6,589$5,390$4,389$2,371
19 years$9,075$7,424$6,032$4,871$3,912$2,026
20 years$8,531$6,899$5,535$4,411$3,495$1,734
21 years$8,039$6,426$5,092$4,003$3,127$1,486
22 years$7,593$5,998$4,693$3,640$2,803$1,275
23 years$7,186$5,610$4,333$3,315$2,516$1,095
24 years$6,813$5,256$4,007$3,024$2,262$941
25 years$6,471$4,933$3,711$2,761$2,035$809
26 years$6,156$4,636$3,442$2,525$1,833$696
27 years$5,864$4,363$3,196$2,311$1,653$599
28 years$5,594$4,111$2,971$2,117$1,491$516
29 years$5,343$3,878$2,765$1,942$1,347$445
30 years$5,109$3,663$2,576$1,782$1,217$383
31 years$4,891$3,463$2,401$1,637$1,100$331
32 years$4,687$3,276$2,240$1,504$995$285
33 years$4,495$3,103$2,092$1,383$901$246
34 years$4,315$2,941$1,954$1,273$815$212
35 years$4,146$2,789$1,827$1,171$738$183
36 years$3,986$2,647$1,709$1,079$669$158
37 years$3,836$2,514$1,600$994$606$136
38 years$3,694$2,390$1,498$916$550$118
39 years$3,559$2,272$1,404$845$499$101
40 years$3,432$2,162$1,316$779$452$88
41 years$3,311$2,058$1,234$719$410$76
42 years$3,196$1,960$1,157$664$372$65
43 years$3,086$1,867$1,086$612$338$56
44 years$2,982$1,780$1,019$566$307$49
45 years$2,883$1,697$957$522$278$42
46 years$2,789$1,619$899$482$253$36
47 years$2,698$1,545$845$446$230$31
48 years$2,612$1,475$794$412$208$27
49 years$2,530$1,409$746$381$189$23
50 years$2,451$1,346$701$352$172$20

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,510,000, adding $5,329 every year, while hoping to spend $27,440 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: 44/40/16 Blend
51$2,510,000$2,510,000$2,510,000$2,510,000
52$2,771,517$2,638,487$2,599,582$2,880,445
53$3,025,016$2,738,577$2,657,472$3,057,355
54$3,303,452$2,842,651$2,716,382$3,245,838
55$3,609,339$2,950,877$2,776,316$3,449,546
56$3,945,449$3,063,427$2,837,280$3,669,894
57$4,314,833$3,180,483$2,899,277$3,908,440
58$4,720,853$3,302,233$2,962,309$4,166,893
59$5,167,212$3,428,876$3,026,379$4,447,132
60$5,657,993$3,560,616$3,091,488$4,751,224
61$6,197,691$3,697,668$3,157,635$5,081,438
62$6,791,259$3,840,258$3,224,820$5,440,269
63$7,444,155$3,988,618$3,293,039$5,830,464
64$8,162,393$4,142,994$3,362,290$6,255,038
65$8,952,597$4,303,641$3,432,567$6,717,311
66$9,822,068$4,470,826$3,503,864$7,220,933
67$10,778,848$4,644,826$3,576,173$7,769,920
68$11,831,801$4,825,932$3,649,484$8,368,690
69$12,990,690$5,014,448$3,723,787$9,022,103
70$14,266,275$5,210,691$3,799,069$9,735,506
71$15,670,412$5,414,991$3,875,315$10,514,785
72$17,216,163$5,627,695$3,952,507$11,366,416
73$18,917,924$5,849,164$4,030,628$12,297,528
74$20,791,553$6,079,774$4,109,655$13,315,965
75$22,854,529$6,319,921$4,189,566$14,430,364
76$25,126,109$6,570,015$4,270,335$15,650,230
77$27,627,514$6,830,487$4,351,932$16,986,029
78$30,382,125$7,101,786$4,434,327$18,449,282
79$33,415,710$7,384,382$4,517,485$20,052,675
80$36,756,661$7,678,765$4,601,369$21,810,173
81$40,436,264$7,985,448$4,685,939$23,737,156
82$44,488,996$8,304,967$4,771,150$25,850,558
83$48,952,844$8,637,882$4,856,955$28,169,027
84$53,869,674$8,984,778$4,943,302$30,713,098
85$59,285,615$9,346,266$5,030,137$33,505,387
86$65,251,501$9,722,986$5,117,400$36,570,800
87$71,823,348$10,115,606$5,205,026$39,936,769
88$79,062,883$10,524,825$5,292,949$43,633,506
89$87,038,128$10,951,372$5,381,093$47,694,288
90$95,824,039$11,396,011$5,469,382$52,155,767
91$105,503,215$11,859,540$5,557,731$57,058,315
92$116,166,679$12,342,794$5,646,051$62,446,402
93$127,914,734$12,846,644$5,734,247$68,369,013
94$140,857,910$13,372,003$5,822,218$74,880,110
95$155,118,011$13,919,825$5,909,856$82,039,135
96$170,829,258$14,491,107$5,997,046$89,911,568
97$188,139,563$15,086,891$6,083,667$98,569,547
98$207,211,919$15,708,269$6,169,591$108,092,541
99$228,225,942$16,356,382$6,254,680$118,568,098
100$251,379,565$17,032,422$6,338,788$130,092,669