Can I retire at age 52 with 2,590,000?

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 $2,590,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.6%
1 years$213,880$211,975$210,116$208,302$206,530$205,143
2 years$105,881$103,909$101,998$100,145$98,348$96,948
3 years$69,886$67,906$65,999$64,164$62,396$61,028
4 years$51,892$49,918$48,031$46,226$44,501$43,175
5 years$41,099$39,136$37,274$35,506$33,829$32,549
6 years$33,905$31,958$30,123$28,395$26,768$25,535
7 years$28,769$26,838$25,032$23,345$21,769$20,585
8 years$24,919$23,005$21,229$19,583$18,060$16,924
9 years$21,926$20,030$18,285$16,681$15,209$14,121
10 years$19,533$17,656$15,941$14,379$12,959$11,918
11 years$17,576$15,718$14,034$12,514$11,145$10,151
12 years$15,947$14,107$12,455$10,976$9,658$8,710
13 years$14,569$12,749$11,128$9,691$8,422$7,518
14 years$13,389$11,588$9,998$8,602$7,383$6,523
15 years$12,368$10,586$9,027$7,672$6,500$5,683
16 years$11,475$9,713$8,184$6,869$5,745$4,969
17 years$10,688$8,945$7,448$6,172$5,094$4,358
18 years$9,989$8,266$6,799$5,562$4,529$3,832
19 years$9,364$7,660$6,224$5,026$4,037$3,377
20 years$8,803$7,118$5,712$4,552$3,606$2,982
21 years$8,295$6,631$5,254$4,131$3,227$2,638
22 years$7,835$6,189$4,842$3,756$2,892$2,337
23 years$7,415$5,789$4,471$3,421$2,596$2,073
24 years$7,030$5,424$4,135$3,120$2,334$1,840
25 years$6,677$5,090$3,830$2,849$2,100$1,636
26 years$6,352$4,784$3,552$2,605$1,892$1,456
27 years$6,051$4,502$3,298$2,385$1,705$1,296
28 years$5,773$4,242$3,066$2,185$1,539$1,155
29 years$5,513$4,002$2,853$2,004$1,390$1,030
30 years$5,272$3,780$2,658$1,839$1,256$918
31 years$5,047$3,573$2,478$1,689$1,135$820
32 years$4,836$3,381$2,312$1,552$1,027$732
33 years$4,638$3,202$2,159$1,427$929$654
34 years$4,453$3,034$2,017$1,313$841$584
35 years$4,278$2,878$1,886$1,209$762$522
36 years$4,114$2,732$1,764$1,113$690$467
37 years$3,958$2,594$1,651$1,026$626$417
38 years$3,811$2,466$1,546$945$567$373
39 years$3,673$2,345$1,448$872$514$334
40 years$3,541$2,231$1,358$804$467$299
41 years$3,416$2,123$1,273$742$423$267
42 years$3,297$2,022$1,194$685$384$239
43 years$3,185$1,927$1,121$632$349$214
44 years$3,077$1,837$1,052$584$316$192
45 years$2,975$1,751$988$539$287$172
46 years$2,877$1,671$928$498$261$154
47 years$2,784$1,594$871$460$237$138
48 years$2,695$1,522$819$425$215$123
49 years$2,610$1,454$770$393$195$110
50 years$2,529$1,388$724$363$177$99

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,590,000, adding $2,699 every year, while hoping to spend $51,168 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: 46/26/28 Blend
51$2,590,000$2,590,000$2,590,000$2,590,000
52$2,856,964$2,719,694$2,679,549$2,965,237
53$3,093,932$2,798,517$2,714,872$3,121,032
54$3,353,356$2,879,487$2,749,662$3,284,809
55$3,637,472$2,962,655$2,783,850$3,461,532
56$3,948,743$3,048,074$2,817,358$3,652,441
57$4,289,882$3,135,797$2,850,106$3,858,903
58$4,663,875$3,225,877$2,882,010$4,082,423
59$5,074,013$3,318,367$2,912,981$4,324,656
60$5,523,920$3,413,325$2,942,923$4,587,429
61$6,017,586$3,510,804$2,971,737$4,872,750
62$6,559,409$3,610,862$2,999,319$5,182,834
63$7,154,230$3,713,556$3,025,558$5,520,119
64$7,807,384$3,818,943$3,050,337$5,887,291
65$8,524,748$3,927,082$3,073,534$6,287,310
66$9,312,795$4,038,032$3,095,020$6,723,437
67$10,178,656$4,151,851$3,114,659$7,199,263
68$11,130,188$4,268,601$3,132,309$7,718,746
69$12,176,045$4,388,340$3,147,819$8,286,246
70$13,325,763$4,511,130$3,161,032$8,906,569
71$14,589,846$4,637,031$3,171,783$9,585,008
72$15,979,869$4,766,104$3,179,896$10,327,396
73$17,508,583$4,898,410$3,185,189$11,140,162
74$19,190,037$5,034,011$3,187,472$12,030,389
75$21,039,709$5,172,966$3,186,541$13,005,882
76$23,074,656$5,315,338$3,182,186$14,075,241
77$25,313,667$5,461,186$3,174,186$15,247,946
78$27,777,447$5,610,570$3,162,307$16,534,440
79$30,488,810$5,763,550$3,146,307$17,946,235
80$33,472,890$5,920,186$3,125,930$19,496,014
81$36,757,384$6,080,535$3,100,908$21,197,756
82$40,372,810$6,244,654$3,070,961$23,066,866
83$44,352,794$6,412,599$3,035,796$25,120,319
84$48,734,388$6,584,425$2,995,104$27,376,826
85$53,558,419$6,760,185$2,948,563$29,857,002
86$58,869,874$6,939,931$2,895,837$32,583,570
87$64,718,326$7,123,712$2,836,572$35,581,571
88$71,158,397$7,311,576$2,770,399$38,878,601
89$78,250,277$7,503,567$2,696,931$42,505,071
90$86,060,292$7,699,729$2,615,765$46,494,499
91$94,661,526$7,900,099$2,526,477$50,883,820
92$104,134,512$8,104,715$2,428,625$55,713,741
93$114,567,995$8,313,608$2,321,746$61,029,124
94$126,059,763$8,526,808$2,205,358$66,879,409
95$138,717,576$8,744,339$2,078,954$73,319,080
96$152,660,177$8,966,219$1,942,007$80,408,184
97$168,018,415$9,192,464$1,793,964$88,212,897
98$184,936,481$9,423,082$1,634,249$96,806,147
99$203,573,265$9,658,076$1,462,260$106,268,306
100$224,103,859$9,897,443$1,277,367$116,687,949