Can I retire at age 52 with 2,520,000?

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 $2,520,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.5%
1 years$208,099$206,246$204,437$202,672$200,948$195,614
2 years$103,019$101,101$99,241$97,438$95,690$90,353
3 years$67,997$66,070$64,216$62,430$60,709$55,537
4 years$50,490$48,569$46,733$44,977$43,299$38,330
5 years$39,988$38,079$36,266$34,547$32,915$28,164
6 years$32,989$31,094$29,309$27,627$26,044$21,516
7 years$27,992$26,113$24,356$22,714$21,181$16,876
8 years$24,246$22,383$20,655$19,054$17,572$13,487
9 years$21,333$19,489$17,791$16,230$14,798$10,930
10 years$19,005$17,178$15,510$13,990$12,609$8,952
11 years$17,101$15,293$13,655$12,176$10,844$7,394
12 years$15,516$13,726$12,118$10,680$9,397$6,147
13 years$14,175$12,404$10,827$9,429$8,194$5,138
14 years$13,027$11,275$9,728$8,370$7,183$4,313
15 years$12,033$10,300$8,783$7,464$6,325$3,633
16 years$11,165$9,450$7,963$6,683$5,590$3,070
17 years$10,399$8,703$7,246$6,005$4,956$2,600
18 years$9,719$8,042$6,615$5,412$4,407$2,207
19 years$9,111$7,453$6,056$4,890$3,928$1,876
20 years$8,565$6,926$5,558$4,429$3,508$1,597
21 years$8,071$6,451$5,112$4,019$3,140$1,361
22 years$7,623$6,022$4,711$3,655$2,814$1,162
23 years$7,214$5,632$4,350$3,328$2,526$992
24 years$6,840$5,277$4,023$3,036$2,271$848
25 years$6,497$4,952$3,726$2,772$2,043$725
26 years$6,180$4,654$3,456$2,535$1,840$620
27 years$5,888$4,380$3,209$2,320$1,659$531
28 years$5,617$4,128$2,983$2,126$1,497$455
29 years$5,364$3,894$2,776$1,949$1,352$390
30 years$5,130$3,677$2,586$1,789$1,222$334
31 years$4,910$3,476$2,411$1,643$1,104$286
32 years$4,705$3,289$2,249$1,510$999$245
33 years$4,513$3,115$2,100$1,389$904$210
34 years$4,332$2,952$1,962$1,278$819$180
35 years$4,162$2,800$1,835$1,176$741$155
36 years$4,002$2,658$1,716$1,083$672$133
37 years$3,851$2,524$1,606$998$609$114
38 years$3,708$2,399$1,504$920$552$98
39 years$3,573$2,281$1,409$848$501$84
40 years$3,445$2,170$1,321$782$454$72
41 years$3,324$2,066$1,239$722$412$62
42 years$3,208$1,968$1,162$666$374$53
43 years$3,099$1,875$1,090$615$339$45
44 years$2,994$1,787$1,023$568$308$39
45 years$2,895$1,704$961$524$280$33
46 years$2,800$1,626$903$484$254$29
47 years$2,709$1,551$848$447$230$25
48 years$2,622$1,481$797$414$209$21
49 years$2,540$1,414$749$382$190$18
50 years$2,460$1,351$704$353$173$16

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,520,000, adding $4,954 every year, while hoping to spend $26,209 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: 78/15/7 Blend
51$2,520,000$2,520,000$2,520,000$2,520,000
52$2,782,150$2,648,590$2,609,530$2,996,511
53$3,038,043$2,750,485$2,669,063$3,239,752
54$3,319,159$2,856,494$2,729,712$3,502,534
55$3,628,043$2,966,791$2,791,487$3,789,943
56$3,967,498$3,081,559$2,854,396$4,104,419
57$4,340,613$3,200,986$2,918,449$4,448,645
58$4,750,792$3,325,271$2,983,654$4,825,581
59$5,201,783$3,454,619$3,050,016$5,238,480
60$5,697,717$3,589,248$3,117,544$5,690,929
61$6,243,145$3,729,382$3,186,243$6,186,875
62$6,843,081$3,875,257$3,256,117$6,730,665
63$7,503,049$4,027,118$3,327,171$7,327,087
64$8,229,137$4,185,223$3,399,408$7,981,413
65$9,028,049$4,349,840$3,472,828$8,699,450
66$9,907,176$4,521,248$3,547,434$9,487,595
67$10,874,660$4,699,741$3,623,225$10,352,891
68$11,939,470$4,885,624$3,700,198$11,303,098
69$13,111,493$5,079,216$3,778,351$12,346,763
70$14,401,619$5,280,851$3,857,680$13,493,299
71$15,821,850$5,490,879$3,938,178$14,753,077
72$17,385,410$5,709,662$4,019,838$16,137,520
73$19,106,868$5,937,583$4,102,649$17,659,213
74$21,002,283$6,175,038$4,186,602$19,332,018
75$23,089,344$6,422,444$4,271,682$21,171,207
76$25,387,548$6,680,234$4,357,874$23,193,606
77$27,918,377$6,948,864$4,445,161$25,417,748
78$30,705,500$7,228,808$4,533,523$27,864,055
79$33,775,003$7,520,561$4,622,938$30,555,023
80$37,155,628$7,824,643$4,713,381$33,515,439
81$40,879,047$8,141,596$4,804,824$36,772,610
82$44,980,161$8,471,986$4,897,238$40,356,623
83$49,497,430$8,816,405$4,990,587$44,300,628
84$54,473,233$9,175,474$5,084,837$48,641,146
85$59,954,271$9,549,840$5,179,947$53,418,419
86$65,992,004$9,940,180$5,275,873$58,676,784
87$72,643,142$10,347,203$5,372,568$64,465,095
88$79,970,175$10,771,648$5,469,981$70,837,177
89$88,041,964$11,214,289$5,568,057$77,852,341
90$96,934,392$11,675,938$5,666,735$85,575,936
91$106,731,081$12,157,440$5,765,951$94,079,967
92$117,524,178$12,659,681$5,865,637$103,443,775
93$129,415,226$13,183,587$5,965,718$113,754,784
94$142,516,123$13,730,128$6,066,114$125,109,325
95$156,950,180$14,300,316$6,166,741$137,613,541
96$172,853,279$14,895,212$6,267,507$151,384,394
97$190,375,160$15,515,924$6,368,316$166,550,762
98$209,680,836$16,163,613$6,469,063$183,254,657
99$230,952,143$16,839,493$6,569,639$201,652,565
100$254,389,466$17,544,832$6,669,926$221,916,916