Can I retire at age 52 with 2,620,000?

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 $2,620,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13%
1 years$216,357$214,430$212,550$210,714$208,922$206,312
2 years$107,108$105,113$103,179$101,305$99,487$96,860
3 years$70,696$68,692$66,764$64,907$63,119$60,557
4 years$52,493$50,496$48,587$46,762$45,017$42,540
5 years$41,575$39,590$37,706$35,918$34,221$31,837
6 years$34,298$32,328$30,472$28,724$27,078$24,789
7 years$29,103$27,149$25,322$23,615$22,022$19,829
8 years$25,208$23,272$21,475$19,810$18,269$16,172
9 years$22,180$20,262$18,497$16,874$15,385$13,383
10 years$19,759$17,860$16,126$14,546$13,109$11,201
11 years$17,780$15,900$14,197$12,659$11,274$9,458
12 years$16,132$14,271$12,599$11,104$9,770$8,043
13 years$14,738$12,897$11,257$9,803$8,520$6,881
14 years$13,544$11,723$10,114$8,702$7,468$5,914
15 years$12,511$10,709$9,132$7,761$6,576$5,105
16 years$11,608$9,825$8,279$6,949$5,812$4,420
17 years$10,811$9,049$7,534$6,243$5,153$3,839
18 years$10,104$8,361$6,877$5,627$4,582$3,342
19 years$9,472$7,749$6,296$5,084$4,084$2,916
20 years$8,905$7,201$5,778$4,605$3,648$2,549
21 years$8,391$6,707$5,315$4,179$3,264$2,231
22 years$7,925$6,261$4,898$3,800$2,926$1,956
23 years$7,501$5,856$4,523$3,460$2,627$1,716
24 years$7,112$5,487$4,183$3,156$2,361$1,508
25 years$6,755$5,149$3,874$2,882$2,124$1,326
26 years$6,426$4,839$3,593$2,635$1,914$1,167
27 years$6,121$4,554$3,336$2,412$1,725$1,027
28 years$5,839$4,291$3,102$2,210$1,557$905
29 years$5,577$4,048$2,886$2,027$1,406$798
30 years$5,333$3,823$2,689$1,860$1,270$704
31 years$5,105$3,614$2,506$1,708$1,148$621
32 years$4,892$3,420$2,339$1,570$1,039$548
33 years$4,692$3,239$2,184$1,444$940$484
34 years$4,504$3,070$2,040$1,328$851$427
35 years$4,328$2,911$1,907$1,223$771$377
36 years$4,161$2,763$1,784$1,126$698$333
37 years$4,004$2,625$1,670$1,038$633$295
38 years$3,856$2,494$1,564$956$574$260
39 years$3,715$2,372$1,465$882$520$230
40 years$3,582$2,257$1,373$813$472$204
41 years$3,456$2,148$1,288$750$428$180
42 years$3,336$2,046$1,208$693$389$159
43 years$3,222$1,949$1,134$639$353$141
44 years$3,113$1,858$1,064$590$320$124
45 years$3,009$1,772$999$545$291$110
46 years$2,911$1,690$938$504$264$97
47 years$2,817$1,613$882$465$240$86
48 years$2,726$1,540$828$430$218$76
49 years$2,640$1,470$779$397$198$67
50 years$2,558$1,405$732$367$180$60

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,620,000, adding $3,793 every year, while hoping to spend $29,769 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: 34/44/22 Blend
51$2,620,000$2,620,000$2,620,000$2,620,000
52$2,891,152$2,752,292$2,711,682$2,969,912
53$3,154,376$2,855,481$2,770,850$3,131,880
54$3,443,451$2,962,728$2,831,002$3,303,432
55$3,760,982$3,074,200$2,892,139$3,487,822
56$4,109,839$3,190,074$2,954,264$3,686,207
57$4,493,186$3,310,530$3,017,374$3,899,856
58$4,914,504$3,435,759$3,081,469$4,130,161
59$5,377,631$3,565,959$3,146,546$4,378,652
60$5,886,795$3,701,337$3,212,601$4,647,006
61$6,446,655$3,842,109$3,279,630$4,937,068
62$7,062,342$3,988,500$3,347,626$5,250,863
63$7,739,509$4,140,746$3,416,580$5,590,617
64$8,484,388$4,299,091$3,486,484$5,958,774
65$9,303,840$4,463,791$3,557,326$6,358,022
66$10,205,429$4,635,114$3,629,093$6,791,316
67$11,197,487$4,813,339$3,701,772$7,261,901
68$12,289,194$4,998,756$3,775,345$7,773,350
69$13,490,668$5,191,671$3,849,795$8,329,588
70$14,813,052$5,392,399$3,925,099$8,934,933
71$16,268,629$5,601,272$4,001,236$9,594,135
72$17,870,932$5,818,637$4,078,180$10,312,419
73$19,634,871$6,044,854$4,155,903$11,095,530
74$21,576,876$6,280,301$4,234,374$11,949,793
75$23,715,052$6,525,370$4,313,560$12,882,166
76$26,069,349$6,780,474$4,393,426$13,900,304
77$28,661,747$7,046,042$4,473,930$15,012,633
78$31,516,470$7,322,523$4,555,031$16,228,427
79$34,660,208$7,610,385$4,636,683$17,557,891
80$38,122,372$7,910,117$4,718,835$19,012,260
81$41,935,373$8,222,231$4,801,435$20,603,902
82$46,134,921$8,547,261$4,884,424$22,346,430
83$50,760,372$8,885,765$4,967,740$24,254,833
84$55,855,088$9,238,326$5,051,317$26,345,614
85$61,466,856$9,605,552$5,135,085$28,636,940
86$67,648,332$9,988,082$5,218,968$31,148,819
87$74,457,542$10,386,578$5,302,884$33,903,281
88$81,958,428$10,801,737$5,386,747$36,924,584
89$90,221,451$11,234,285$5,470,466$40,239,443
90$99,324,254$11,684,980$5,553,941$43,877,278
91$109,352,400$12,154,616$5,637,070$47,870,490
92$120,400,174$12,644,022$5,719,742$52,254,763
93$132,571,477$13,154,064$5,801,839$57,069,401
94$145,980,804$13,685,649$5,883,236$62,357,693
95$160,754,323$14,239,723$5,963,802$68,167,318
96$177,031,071$14,817,277$6,043,396$74,550,796
97$194,964,261$15,419,344$6,121,871$81,565,978
98$214,722,731$16,047,007$6,199,069$89,276,586
99$236,492,536$16,701,398$6,274,825$97,752,818
100$260,478,707$17,383,698$6,348,963$107,072,001