Can I retire at age 52 with 2,580,000?

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 $2,580,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.8%
1 years$213,054$211,156$209,305$207,497$205,733$201,661
2 years$105,472$103,508$101,604$99,758$97,968$93,883
3 years$69,616$67,644$65,745$63,916$62,155$58,184
4 years$51,692$49,725$47,845$46,048$44,329$40,504
5 years$40,940$38,985$37,130$35,369$33,699$30,028
6 years$33,775$31,834$30,006$28,285$26,664$23,154
7 years$28,658$26,734$24,936$23,255$21,685$18,335
8 years$24,823$22,916$21,147$19,508$17,990$14,799
9 years$21,841$19,953$18,214$16,616$15,150$12,117
10 years$19,457$17,587$15,880$14,323$12,909$10,030
11 years$17,508$15,657$13,980$12,466$11,102$8,374
12 years$15,885$14,053$12,407$10,934$9,621$7,040
13 years$14,513$12,700$11,085$9,653$8,389$5,951
14 years$13,338$11,544$9,960$8,569$7,354$5,054
15 years$12,320$10,545$8,992$7,642$6,475$4,308
16 years$11,430$9,675$8,153$6,843$5,723$3,684
17 years$10,646$8,910$7,419$6,148$5,074$3,159
18 years$9,950$8,234$6,772$5,541$4,512$2,715
19 years$9,328$7,631$6,200$5,006$4,021$2,337
20 years$8,769$7,091$5,690$4,534$3,592$2,016
21 years$8,263$6,605$5,234$4,115$3,214$1,741
22 years$7,804$6,166$4,824$3,742$2,881$1,505
23 years$7,386$5,766$4,454$3,408$2,586$1,302
24 years$7,003$5,403$4,119$3,108$2,325$1,128
25 years$6,652$5,070$3,815$2,838$2,092$978
26 years$6,328$4,765$3,538$2,595$1,884$848
27 years$6,028$4,485$3,285$2,375$1,699$736
28 years$5,750$4,226$3,054$2,176$1,533$639
29 years$5,492$3,987$2,842$1,996$1,384$555
30 years$5,252$3,765$2,647$1,832$1,251$483
31 years$5,027$3,559$2,468$1,682$1,131$420
32 years$4,817$3,368$2,303$1,546$1,023$365
33 years$4,620$3,189$2,150$1,422$926$317
34 years$4,436$3,023$2,009$1,308$838$276
35 years$4,262$2,867$1,878$1,204$759$240
36 years$4,098$2,721$1,757$1,109$688$209
37 years$3,943$2,584$1,645$1,022$623$182
38 years$3,797$2,456$1,540$942$565$158
39 years$3,658$2,336$1,443$868$512$138
40 years$3,527$2,222$1,352$801$465$120
41 years$3,403$2,115$1,268$739$422$104
42 years$3,285$2,014$1,190$682$383$91
43 years$3,172$1,919$1,116$630$347$79
44 years$3,065$1,830$1,048$581$315$69
45 years$2,963$1,745$984$537$286$60
46 years$2,866$1,664$924$496$260$52
47 years$2,774$1,588$868$458$236$46
48 years$2,685$1,516$816$423$214$40
49 years$2,600$1,448$767$391$195$35
50 years$2,519$1,383$721$362$177$30

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,580,000, adding $2,438 every year, while hoping to spend $40,110 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: 60/18/22 Blend
51$2,580,000$2,580,000$2,580,000$2,580,000
52$2,845,675$2,708,935$2,668,945$2,999,705
53$3,093,257$2,798,996$2,715,678$3,194,534
54$3,364,748$2,892,126$2,762,632$3,402,409
55$3,662,545$2,988,432$2,809,772$3,628,322
56$3,989,286$3,088,027$2,857,062$3,874,032
57$4,347,880$3,191,027$2,904,460$4,141,474
58$4,741,528$3,297,552$2,951,924$4,432,778
59$5,173,759$3,407,727$2,999,408$4,750,290
60$5,648,458$3,521,681$3,046,864$5,096,593
61$6,169,906$3,639,549$3,094,239$5,474,532
62$6,742,819$3,761,469$3,141,479$5,887,237
63$7,372,392$3,887,587$3,188,524$6,338,158
64$8,064,348$4,018,050$3,235,311$6,831,093
65$8,824,993$4,153,016$3,281,775$7,370,227
66$9,661,273$4,292,645$3,327,846$7,960,166
67$10,580,842$4,437,103$3,373,448$8,605,986
68$11,592,131$4,586,565$3,418,502$9,313,276
69$12,704,432$4,741,210$3,462,925$10,088,196
70$13,927,979$4,901,224$3,506,628$10,937,526
71$15,274,050$5,066,802$3,549,517$11,868,741
72$16,755,071$5,238,143$3,591,494$12,890,071
73$18,384,733$5,415,457$3,632,454$14,010,585
74$20,178,121$5,598,959$3,672,286$15,240,272
75$22,151,856$5,788,875$3,710,874$16,590,138
76$24,324,252$5,985,437$3,748,096$18,072,310
77$26,715,490$6,188,887$3,783,820$19,700,147
78$29,347,803$6,399,476$3,817,912$21,488,367
79$32,245,694$6,617,465$3,850,227$23,453,186
80$35,436,158$6,843,124$3,880,613$25,612,472
81$38,948,945$7,076,735$3,908,911$27,985,911
82$42,816,831$7,318,590$3,934,954$30,595,194
83$47,075,938$7,568,991$3,958,565$33,464,220
84$51,766,065$7,828,252$3,979,558$36,619,323
85$56,931,069$8,096,702$3,997,739$40,089,518
86$62,619,276$8,374,679$4,012,901$43,906,776
87$68,883,940$8,662,535$4,024,831$48,106,327
88$75,783,740$8,960,638$4,033,302$52,726,988
89$83,383,340$9,269,368$4,038,075$57,811,531
90$91,753,993$9,589,119$4,038,904$63,407,088
91$100,974,218$9,920,304$4,035,524$69,565,594
92$111,130,537$10,263,347$4,027,663$76,344,277
93$122,318,294$10,618,694$4,015,033$83,806,196
94$134,642,555$10,986,805$3,997,331$92,020,838
95$148,219,096$11,368,159$3,974,242$101,064,776
96$163,175,499$11,763,253$3,945,434$111,022,383
97$179,652,353$12,172,606$3,910,559$121,986,639
98$197,804,585$12,596,756$3,869,255$134,059,998
99$217,802,916$13,036,260$3,821,138$147,355,362
100$239,835,479$13,491,702$3,765,812$161,997,143