Can I retire at age 52 with 2,600,000?

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 $2,600,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.2%
1 years$214,706$212,793$210,927$209,106$207,328$206,281
2 years$106,290$104,310$102,392$100,532$98,727$97,671
3 years$70,156$68,168$66,254$64,412$62,637$61,603
4 years$52,093$50,111$48,216$46,405$44,673$43,670
5 years$41,257$39,287$37,418$35,643$33,960$32,991
6 years$34,036$32,081$30,239$28,504$26,871$25,938
7 years$28,880$26,942$25,129$23,435$21,853$20,956
8 years$25,015$23,094$21,311$19,659$18,130$17,268
9 years$22,011$20,107$18,355$16,745$15,268$14,441
10 years$19,608$17,724$16,003$14,434$13,009$12,218
11 years$17,644$15,778$14,088$12,562$11,188$10,431
12 years$16,008$14,162$12,503$11,019$9,695$8,973
13 years$14,625$12,798$11,171$9,728$8,455$7,765
14 years$13,441$11,633$10,037$8,635$7,411$6,754
15 years$12,415$10,627$9,062$7,701$6,525$5,900
16 years$11,519$9,750$8,216$6,896$5,767$5,173
17 years$10,729$8,980$7,476$6,196$5,114$4,549
18 years$10,027$8,298$6,825$5,584$4,547$4,012
19 years$9,400$7,690$6,248$5,045$4,053$3,546
20 years$8,837$7,146$5,734$4,569$3,620$3,140
21 years$8,327$6,656$5,274$4,147$3,239$2,786
22 years$7,865$6,213$4,861$3,771$2,904$2,475
23 years$7,443$5,811$4,488$3,434$2,606$2,202
24 years$7,058$5,445$4,151$3,132$2,343$1,961
25 years$6,703$5,110$3,845$2,860$2,108$1,749
26 years$6,377$4,802$3,566$2,615$1,899$1,561
27 years$6,075$4,519$3,311$2,394$1,712$1,394
28 years$5,795$4,259$3,078$2,193$1,545$1,246
29 years$5,535$4,018$2,864$2,011$1,395$1,115
30 years$5,292$3,794$2,668$1,846$1,260$997
31 years$5,066$3,587$2,487$1,695$1,140$893
32 years$4,855$3,394$2,321$1,558$1,031$800
33 years$4,656$3,214$2,167$1,433$933$717
34 years$4,470$3,046$2,025$1,318$845$643
35 years$4,295$2,889$1,893$1,213$765$576
36 years$4,129$2,742$1,771$1,118$693$517
37 years$3,974$2,604$1,657$1,030$628$464
38 years$3,826$2,475$1,552$949$570$416
39 years$3,687$2,354$1,454$875$516$374
40 years$3,555$2,239$1,363$807$468$336
41 years$3,429$2,132$1,278$745$425$301
42 years$3,310$2,030$1,199$687$386$271
43 years$3,197$1,934$1,125$634$350$243
44 years$3,089$1,844$1,056$586$318$218
45 years$2,986$1,758$991$541$288$196
46 years$2,889$1,677$931$500$262$176
47 years$2,795$1,601$875$462$238$158
48 years$2,706$1,528$822$427$216$142
49 years$2,620$1,459$773$394$196$128
50 years$2,539$1,394$726$364$178$115

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,600,000, adding $6,218 every year, while hoping to spend $52,361 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: 44/36/20 Blend
51$2,600,000$2,600,000$2,600,000$2,600,000
52$2,871,614$2,733,814$2,693,514$2,981,091
53$3,108,807$2,812,059$2,728,035$3,137,085
54$3,368,438$2,892,383$2,761,957$3,300,443
55$3,652,742$2,974,833$2,795,206$3,476,430
56$3,964,178$3,059,456$2,827,702$3,666,242
57$4,305,454$3,146,299$2,859,359$3,871,192
58$4,679,554$3,235,411$2,890,091$4,092,728
59$5,089,762$3,326,840$2,919,803$4,332,440
60$5,539,698$3,420,636$2,948,397$4,592,083
61$6,033,347$3,516,846$2,975,768$4,873,585
62$6,575,099$3,615,522$3,001,806$5,179,071
63$7,169,789$3,716,714$3,026,398$5,510,882
64$7,822,745$3,820,470$3,049,419$5,871,594
65$8,539,835$3,926,842$3,070,744$6,264,046
66$9,327,521$4,035,881$3,090,237$6,691,362
67$10,192,924$4,147,635$3,107,757$7,156,985
68$11,143,890$4,262,157$3,123,154$7,664,707
69$12,189,060$4,379,496$3,136,273$8,218,706
70$13,337,955$4,499,702$3,146,948$8,823,583
71$14,601,063$4,622,824$3,155,008$9,484,407
72$15,989,942$4,748,913$3,160,272$10,206,763
73$17,517,323$4,878,017$3,162,548$10,996,803
74$19,197,234$5,010,183$3,161,637$11,861,307
75$21,045,129$5,145,460$3,157,329$12,807,743
76$23,078,038$5,283,893$3,149,405$13,844,341
77$25,314,723$5,425,528$3,137,635$14,980,166
78$27,775,854$5,570,409$3,121,776$16,225,210
79$30,484,211$5,718,579$3,101,575$17,590,481
80$33,464,890$5,870,078$3,076,766$19,088,109
81$36,745,543$6,024,946$3,047,073$20,731,460
82$40,356,641$6,183,221$3,012,202$22,535,261
83$44,331,757$6,344,938$2,971,849$24,515,744
84$48,707,885$6,510,129$2,925,695$26,690,792
85$53,525,788$6,678,824$2,873,405$29,080,112
86$58,830,383$6,851,051$2,814,629$31,705,422
87$64,671,163$7,026,833$2,749,000$34,590,655
88$71,102,665$7,206,192$2,676,135$37,762,182
89$78,184,984$7,389,142$2,595,633$41,249,066
90$85,984,340$7,575,698$2,507,074$45,083,335
91$94,573,702$7,765,866$2,410,020$49,300,281
92$104,033,476$7,959,649$2,304,011$53,938,799
93$114,452,264$8,157,046$2,188,569$59,041,751
94$125,927,701$8,358,047$2,063,192$64,656,372
95$138,567,373$8,562,638$1,927,356$70,834,714
96$152,489,836$8,770,799$1,780,514$77,634,142
97$167,825,731$8,982,499$1,622,093$85,117,873
98$184,719,018$9,197,704$1,451,495$93,355,573
99$203,328,335$9,416,369$1,268,097$102,424,017
100$223,828,494$9,638,439$1,071,247$112,407,814