Can I retire at age 52 with 2,610,000?

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 $2,610,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.8%
1 years$215,531$213,612$211,738$209,910$208,125$205,695
2 years$106,699$104,712$102,786$100,918$99,107$96,661
3 years$70,426$68,430$66,509$64,659$62,878$60,492
4 years$52,293$50,303$48,402$46,583$44,845$42,537
5 years$41,416$39,438$37,562$35,781$34,090$31,868
6 years$34,167$32,204$30,355$28,614$26,975$24,840
7 years$28,992$27,045$25,225$23,525$21,938$19,892
8 years$25,112$23,183$21,393$19,735$18,199$16,242
9 years$22,095$20,185$18,426$16,810$15,326$13,457
10 years$19,684$17,792$16,064$14,490$13,059$11,276
11 years$17,712$15,839$14,143$12,611$11,231$9,533
12 years$16,070$14,216$12,551$11,061$9,733$8,118
13 years$14,682$12,847$11,214$9,765$8,487$6,953
14 years$13,493$11,678$10,076$8,669$7,440$5,985
15 years$12,463$10,668$9,097$7,731$6,550$5,172
16 years$11,563$9,788$8,248$6,922$5,789$4,485
17 years$10,770$9,014$7,505$6,220$5,133$3,901
18 years$10,066$8,329$6,851$5,605$4,564$3,401
19 years$9,436$7,720$6,272$5,065$4,068$2,972
20 years$8,871$7,173$5,756$4,587$3,634$2,601
21 years$8,359$6,682$5,294$4,163$3,252$2,280
22 years$7,895$6,237$4,880$3,785$2,915$2,002
23 years$7,472$5,834$4,505$3,447$2,617$1,760
24 years$7,085$5,466$4,167$3,144$2,352$1,548
25 years$6,729$5,129$3,859$2,871$2,116$1,363
26 years$6,401$4,821$3,579$2,625$1,906$1,202
27 years$6,098$4,537$3,324$2,403$1,719$1,060
28 years$5,817$4,275$3,090$2,202$1,551$935
29 years$5,556$4,033$2,875$2,019$1,400$826
30 years$5,313$3,809$2,678$1,853$1,265$730
31 years$5,086$3,600$2,497$1,702$1,144$645
32 years$4,873$3,407$2,330$1,564$1,035$570
33 years$4,674$3,226$2,175$1,438$936$504
34 years$4,487$3,058$2,032$1,323$848$446
35 years$4,311$2,900$1,900$1,218$768$395
36 years$4,145$2,753$1,778$1,122$696$349
37 years$3,989$2,615$1,664$1,034$631$309
38 years$3,841$2,485$1,558$953$572$274
39 years$3,701$2,363$1,460$879$518$242
40 years$3,568$2,248$1,368$810$470$215
41 years$3,442$2,140$1,283$748$427$190
42 years$3,323$2,038$1,203$690$387$168
43 years$3,209$1,942$1,129$637$351$149
44 years$3,101$1,851$1,060$588$319$132
45 years$2,998$1,765$995$543$290$117
46 years$2,900$1,684$935$502$263$104
47 years$2,806$1,607$878$463$239$92
48 years$2,716$1,534$825$428$217$81
49 years$2,630$1,465$776$396$197$72
50 years$2,548$1,399$729$366$179$64

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,610,000, adding $6,734 every year, while hoping to spend $57,715 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: 70/16/14 Blend
51$2,610,000$2,610,000$2,610,000$2,610,000
52$2,883,166$2,744,836$2,704,381$3,075,482
53$3,115,841$2,817,925$2,733,570$3,277,194
54$3,370,314$2,892,660$2,761,801$3,490,286
55$3,648,748$2,969,063$2,788,984$3,721,994
56$3,953,524$3,047,151$2,815,019$3,974,144
57$4,287,264$3,126,942$2,839,803$4,248,748
58$4,652,856$3,208,453$2,863,227$4,548,019
59$5,053,480$3,291,700$2,885,178$4,874,398
60$5,492,637$3,376,695$2,905,533$5,230,570
61$5,974,185$3,463,452$2,924,167$5,619,495
62$6,502,372$3,551,981$2,940,947$6,044,433
63$7,081,876$3,642,291$2,955,731$6,508,974
64$7,717,852$3,734,388$2,968,373$7,017,074
65$8,415,977$3,828,277$2,978,718$7,573,091
66$9,182,505$3,923,960$2,986,602$8,181,826
67$10,024,323$4,021,437$2,991,856$8,848,569
68$10,949,020$4,120,704$2,994,300$9,579,145
69$11,964,957$4,221,754$2,993,745$10,379,977
70$13,081,341$4,324,579$2,989,994$11,258,138
71$14,308,320$4,429,166$2,982,841$12,221,424
72$15,657,070$4,535,496$2,972,068$13,278,421
73$17,139,905$4,643,550$2,957,446$14,438,593
74$18,770,393$4,753,301$2,938,738$15,712,367
75$20,563,480$4,864,720$2,915,693$17,111,232
76$22,535,635$4,977,772$2,888,049$18,647,848
77$24,705,003$5,092,415$2,855,531$20,336,166
78$27,091,574$5,208,604$2,817,852$22,191,559
79$29,717,375$5,326,286$2,774,711$24,230,964
80$32,606,676$5,445,402$2,725,792$26,473,048
81$35,786,216$5,565,886$2,670,765$28,938,380
82$39,285,459$5,687,664$2,609,285$31,649,627
83$43,136,870$5,810,654$2,540,990$34,631,766
84$47,376,221$5,934,766$2,465,503$37,912,321
85$52,042,926$6,059,900$2,382,428$41,521,625
86$57,180,416$6,185,947$2,291,351$45,493,100
87$62,836,547$6,312,787$2,191,841$49,863,583
88$69,064,052$6,440,290$2,083,444$54,673,662
89$75,921,034$6,568,313$1,965,688$59,968,068
90$83,471,520$6,696,702$1,838,080$65,796,094
91$91,786,062$6,825,287$1,700,102$72,212,061
92$100,942,402$6,953,887$1,551,217$79,275,831
93$111,026,204$7,082,305$1,390,860$87,053,372
94$122,131,866$7,210,327$1,218,443$95,617,381
95$134,363,407$7,337,723$1,033,351$105,047,972
96$147,835,448$7,464,246$834,942$115,433,430
97$162,674,298$7,589,628$622,547$126,871,047
98$179,019,139$7,713,582$395,464$139,468,040
99$197,023,343$7,835,800$152,965$153,342,565
100$216,855,920$7,955,950$0$168,624,829