Can I retire at age 52 with 2,560,000?

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 $2,560,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.9%
1 years$211,402$209,519$207,682$205,889$204,138$200,016
2 years$104,655$102,706$100,817$98,985$97,209$93,074
3 years$69,077$67,119$65,235$63,421$61,673$57,655
4 years$51,291$49,340$47,474$45,691$43,986$40,115
5 years$40,623$38,683$36,842$35,095$33,437$29,724
6 years$33,513$31,588$29,774$28,066$26,458$22,907
7 years$28,436$26,527$24,742$23,074$21,517$18,129
8 years$24,630$22,739$20,983$19,357$17,851$14,625
9 years$21,672$19,798$18,073$16,488$15,033$11,967
10 years$19,307$17,451$15,756$14,212$12,809$9,899
11 years$17,373$15,536$13,872$12,369$11,016$8,260
12 years$15,762$13,944$12,311$10,849$9,546$6,939
13 years$14,400$12,601$10,999$9,578$8,324$5,862
14 years$13,234$11,454$9,883$8,503$7,297$4,975
15 years$12,224$10,464$8,923$7,583$6,425$4,238
16 years$11,342$9,600$8,090$6,790$5,678$3,622
17 years$10,564$8,841$7,361$6,100$5,035$3,103
18 years$9,873$8,170$6,720$5,498$4,477$2,665
19 years$9,256$7,572$6,152$4,968$3,990$2,293
20 years$8,701$7,036$5,646$4,499$3,564$1,976
21 years$8,199$6,554$5,193$4,083$3,190$1,705
22 years$7,744$6,118$4,786$3,713$2,859$1,473
23 years$7,329$5,722$4,419$3,381$2,566$1,274
24 years$6,949$5,361$4,087$3,084$2,307$1,102
25 years$6,600$5,031$3,785$2,816$2,076$955
26 years$6,278$4,728$3,511$2,575$1,870$828
27 years$5,981$4,450$3,260$2,357$1,686$718
28 years$5,706$4,193$3,031$2,160$1,521$623
29 years$5,450$3,956$2,820$1,980$1,373$540
30 years$5,211$3,736$2,627$1,817$1,241$469
31 years$4,988$3,532$2,449$1,669$1,122$408
32 years$4,780$3,342$2,285$1,534$1,015$354
33 years$4,585$3,164$2,134$1,411$918$308
34 years$4,401$2,999$1,993$1,298$832$267
35 years$4,229$2,845$1,864$1,195$753$233
36 years$4,066$2,700$1,743$1,100$682$202
37 years$3,912$2,564$1,632$1,014$619$176
38 years$3,767$2,437$1,528$935$561$153
39 years$3,630$2,317$1,432$862$509$133
40 years$3,500$2,205$1,342$795$461$116
41 years$3,376$2,099$1,258$733$418$101
42 years$3,259$1,999$1,180$677$380$88
43 years$3,148$1,905$1,108$625$345$76
44 years$3,042$1,815$1,040$577$313$66
45 years$2,941$1,731$976$533$284$58
46 years$2,844$1,651$917$492$258$50
47 years$2,752$1,576$861$455$234$44
48 years$2,664$1,504$809$420$213$38
49 years$2,580$1,437$761$388$193$33
50 years$2,499$1,372$715$359$175$29

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,560,000, adding $2,407 every year, while hoping to spend $35,612 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: 66/14/20 Blend
51$2,560,000$2,560,000$2,560,000$2,560,000
52$2,823,603$2,687,923$2,648,243$2,995,602
53$3,073,719$2,781,740$2,699,068$3,205,066
54$3,348,154$2,878,961$2,750,402$3,429,653
55$3,649,350$2,979,714$2,802,225$3,674,327
56$3,979,999$3,084,135$2,854,514$3,941,060
57$4,343,063$3,192,362$2,907,245$4,232,024
58$4,741,809$3,304,541$2,960,391$4,549,609
59$5,179,833$3,420,823$3,013,924$4,896,447
60$5,661,098$3,541,365$3,067,812$5,275,439
61$6,189,968$3,666,331$3,122,022$5,689,775
62$6,771,254$3,795,890$3,176,519$6,142,971
63$7,410,254$3,930,220$3,231,264$6,638,899
64$8,112,803$4,069,505$3,286,215$7,181,823
65$8,885,334$4,213,936$3,341,328$7,776,439
66$9,734,931$4,363,712$3,396,556$8,427,920
67$10,669,401$4,519,041$3,451,848$9,141,963
68$11,697,345$4,680,138$3,507,149$9,924,846
69$12,828,238$4,847,229$3,562,402$10,783,480
70$14,072,522$5,020,546$3,617,546$11,725,483
71$15,441,700$5,200,334$3,672,515$12,759,243
72$16,948,449$5,386,846$3,727,240$13,894,003
73$18,606,734$5,580,345$3,781,646$15,139,944
74$20,431,946$5,781,107$3,835,656$16,508,284
75$22,441,039$5,989,416$3,889,186$18,011,380
76$24,652,699$6,205,571$3,942,147$19,662,847
77$27,087,512$6,429,882$3,994,447$21,477,685
78$29,768,164$6,662,672$4,045,986$23,472,421
79$32,719,650$6,904,276$4,096,660$25,665,262
80$35,969,515$7,155,046$4,146,359$28,076,270
81$39,548,109$7,415,347$4,194,965$30,727,551
82$43,488,874$7,685,557$4,242,355$33,643,457
83$47,828,664$7,966,074$4,288,399$36,850,824
84$52,608,086$8,257,310$4,332,958$40,379,220
85$57,871,888$8,559,695$4,375,889$44,261,222
86$63,669,377$8,873,677$4,417,038$48,532,729
87$70,054,888$9,199,722$4,456,244$53,233,295
88$77,088,296$9,538,317$4,493,337$58,406,504
89$84,835,577$9,889,970$4,528,139$64,100,379
90$93,369,436$10,255,208$4,560,461$70,367,840
91$102,769,988$10,634,583$4,590,106$77,267,196
92$113,125,517$11,028,668$4,616,866$84,862,700
93$124,533,310$11,438,063$4,640,521$93,225,153
94$137,100,571$11,863,391$4,660,841$102,432,571
95$150,945,436$12,305,304$4,677,586$112,570,923
96$166,198,086$12,764,479$4,690,501$123,734,939
97$183,001,977$13,241,625$4,699,319$136,029,008
98$201,515,193$13,737,479$4,703,761$149,568,157
99$221,911,939$14,252,811$4,703,532$164,479,142
100$244,384,181$14,788,424$4,698,325$180,901,639