Can I retire at age 52 with 2,530,000?

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 $2,530,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.3%
1 years$208,925$207,064$205,248$203,476$201,746$194,976
2 years$103,428$101,502$99,635$97,825$96,069$89,315
3 years$68,267$66,333$64,471$62,677$60,950$54,425
4 years$50,690$48,762$46,918$45,156$43,470$37,223
5 years$40,147$38,230$36,410$34,684$33,045$27,093
6 years$33,120$31,217$29,425$27,737$26,148$20,494
7 years$28,103$26,216$24,452$22,804$21,265$15,910
8 years$24,342$22,472$20,737$19,130$17,641$12,581
9 years$21,418$19,566$17,861$16,294$14,857$10,085
10 years$19,080$17,247$15,572$14,046$12,659$8,168
11 years$17,169$15,354$13,709$12,224$10,887$6,668
12 years$15,577$13,781$12,167$10,722$9,434$5,478
13 years$14,232$12,454$10,870$9,466$8,227$4,523
14 years$13,079$11,320$9,767$8,403$7,212$3,750
15 years$12,081$10,341$8,818$7,494$6,350$3,119
16 years$11,209$9,488$7,995$6,710$5,612$2,602
17 years$10,440$8,738$7,275$6,029$4,976$2,175
18 years$9,757$8,074$6,641$5,433$4,424$1,821
19 years$9,147$7,483$6,080$4,909$3,943$1,527
20 years$8,599$6,954$5,580$4,446$3,522$1,283
21 years$8,103$6,477$5,132$4,035$3,152$1,078
22 years$7,653$6,046$4,730$3,669$2,825$907
23 years$7,243$5,655$4,367$3,342$2,536$764
24 years$6,868$5,298$4,039$3,048$2,280$644
25 years$6,523$4,972$3,741$2,783$2,051$542
26 years$6,205$4,673$3,470$2,545$1,848$457
27 years$5,911$4,398$3,222$2,329$1,666$386
28 years$5,639$4,144$2,995$2,134$1,503$326
29 years$5,386$3,909$2,787$1,957$1,357$275
30 years$5,150$3,692$2,596$1,796$1,226$232
31 years$4,930$3,490$2,420$1,650$1,109$196
32 years$4,724$3,302$2,258$1,516$1,003$166
33 years$4,531$3,127$2,109$1,394$908$140
34 years$4,350$2,964$1,970$1,283$822$118
35 years$4,179$2,811$1,842$1,181$744$100
36 years$4,018$2,668$1,723$1,088$674$84
37 years$3,867$2,534$1,613$1,002$611$71
38 years$3,723$2,409$1,510$924$554$60
39 years$3,587$2,290$1,415$852$503$51
40 years$3,459$2,179$1,326$785$456$43
41 years$3,337$2,074$1,244$725$414$36
42 years$3,221$1,975$1,167$669$375$31
43 years$3,111$1,882$1,095$617$341$26
44 years$3,006$1,794$1,027$570$309$22
45 years$2,906$1,711$965$526$281$19
46 years$2,811$1,632$906$486$255$16
47 years$2,720$1,558$851$449$231$13
48 years$2,633$1,487$800$415$210$11
49 years$2,550$1,420$752$384$191$9
50 years$2,470$1,356$707$355$173$8

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,530,000, adding $3,767 every year, while hoping to spend $21,912 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: 50/32/18 Blend
51$2,530,000$2,530,000$2,530,000$2,530,000
52$2,791,946$2,657,856$2,618,641$2,917,414
53$3,053,410$2,764,776$2,683,051$3,111,332
54$3,340,809$2,876,202$2,748,885$3,319,393
55$3,656,766$2,992,330$2,816,166$3,545,038
56$4,004,168$3,113,366$2,884,920$3,789,934
57$4,386,200$3,239,528$2,955,171$4,055,910
58$4,806,367$3,371,040$3,026,945$4,344,981
59$5,268,534$3,508,138$3,100,265$4,659,358
60$5,776,957$3,651,070$3,175,157$5,001,475
61$6,336,328$3,800,093$3,251,645$5,374,008
62$6,951,812$3,955,476$3,329,754$5,779,898
63$7,629,105$4,117,503$3,409,509$6,222,383
64$8,374,481$4,286,468$3,490,935$6,705,024
65$9,194,852$4,462,678$3,574,055$7,231,736
66$10,097,836$4,646,458$3,658,894$7,806,831
67$11,091,824$4,838,144$3,745,477$8,435,051
68$12,186,066$5,038,089$3,833,826$9,121,614
69$13,390,751$5,246,661$3,923,965$9,872,262
70$14,717,107$5,464,248$4,015,918$10,693,318
71$16,177,508$5,691,251$4,109,707$11,591,737
72$17,785,586$5,928,095$4,205,354$12,575,179
73$19,556,364$6,175,220$4,302,882$13,652,072
74$21,506,396$6,433,089$4,402,311$14,831,697
75$23,653,923$6,702,184$4,503,663$16,124,271
76$26,019,044$6,983,012$4,606,957$17,541,043
77$28,623,909$7,276,103$4,712,213$19,094,397
78$31,492,925$7,582,008$4,819,448$20,797,973
79$34,652,985$7,901,309$4,928,682$22,666,785
80$38,133,726$8,234,610$5,039,930$24,717,372
81$41,967,807$8,582,546$5,153,208$26,967,942
82$46,191,213$8,945,781$5,268,531$29,438,550
83$50,843,602$9,325,010$5,385,911$32,151,283
84$55,968,673$9,720,958$5,505,362$35,130,466
85$61,614,579$10,134,387$5,626,894$38,402,889
86$67,834,387$10,566,093$5,750,516$41,998,059
87$74,686,572$11,016,908$5,876,235$45,948,479
88$82,235,571$11,487,706$6,004,058$50,289,947
89$90,552,394$11,979,398$6,133,989$55,061,897
90$99,715,290$12,492,940$6,266,029$60,307,765
91$109,810,488$13,029,333$6,400,179$66,075,399
92$120,933,009$13,589,621$6,536,437$72,417,508
93$133,187,566$14,174,903$6,674,797$79,392,154
94$146,689,548$14,786,323$6,815,254$87,063,302
95$161,566,114$15,425,085$6,957,796$95,501,416
96$177,957,387$16,092,444$7,102,412$104,784,126
97$196,017,783$16,789,716$7,249,086$114,996,953
98$215,917,465$17,518,281$7,397,798$126,234,117
99$237,843,950$18,279,580$7,548,528$138,599,418
100$262,003,877$19,075,124$7,701,248$152,207,219