Can I retire at age 52 with 2,660,000?

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 $2,660,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.7%
1 years$219,660$217,704$215,795$213,932$212,112$205,487
2 years$108,743$106,717$104,755$102,852$101,006$94,390
3 years$71,775$69,741$67,783$65,898$64,082$57,683
4 years$53,295$51,267$49,329$47,476$45,704$39,571
5 years$42,210$40,194$38,281$36,466$34,743$28,893
6 years$34,822$32,821$30,937$29,162$27,491$21,928
7 years$29,547$27,563$25,709$23,976$22,358$17,082
8 years$25,593$23,627$21,803$20,113$18,548$13,556
9 years$22,519$20,571$18,779$17,132$15,620$10,906
10 years$20,061$18,133$16,372$14,768$13,309$8,866
11 years$18,051$16,143$14,414$12,852$11,446$7,266
12 years$16,378$14,489$12,792$11,273$9,919$5,994
13 years$14,963$13,094$11,429$9,952$8,650$4,969
14 years$13,751$11,902$10,269$8,835$7,582$4,137
15 years$12,702$10,872$9,271$7,879$6,676$3,456
16 years$11,785$9,975$8,406$7,055$5,900$2,895
17 years$10,976$9,187$7,649$6,339$5,232$2,430
18 years$10,259$8,489$6,982$5,712$4,652$2,044
19 years$9,617$7,868$6,392$5,162$4,146$1,722
20 years$9,040$7,311$5,866$4,675$3,703$1,453
21 years$8,519$6,810$5,396$4,243$3,314$1,227
22 years$8,046$6,357$4,973$3,858$2,971$1,037
23 years$7,615$5,945$4,592$3,513$2,667$878
24 years$7,220$5,570$4,247$3,204$2,397$743
25 years$6,858$5,227$3,933$2,926$2,157$629
26 years$6,524$4,913$3,648$2,676$1,943$533
27 years$6,215$4,624$3,387$2,449$1,752$452
28 years$5,929$4,357$3,149$2,244$1,580$383
29 years$5,662$4,110$2,930$2,058$1,427$325
30 years$5,415$3,882$2,730$1,888$1,289$276
31 years$5,183$3,669$2,545$1,734$1,166$234
32 years$4,967$3,472$2,374$1,594$1,055$199
33 years$4,764$3,288$2,217$1,466$954$169
34 years$4,573$3,116$2,071$1,349$864$143
35 years$4,394$2,956$1,937$1,242$783$122
36 years$4,225$2,806$1,812$1,143$709$103
37 years$4,065$2,665$1,696$1,053$643$88
38 years$3,914$2,532$1,588$971$583$74
39 years$3,772$2,408$1,488$895$528$63
40 years$3,637$2,291$1,394$826$479$54
41 years$3,508$2,181$1,307$762$435$46
42 years$3,387$2,077$1,226$703$395$39
43 years$3,271$1,979$1,151$649$358$33
44 years$3,160$1,886$1,080$599$325$28
45 years$3,055$1,799$1,014$554$295$24
46 years$2,955$1,716$953$511$268$20
47 years$2,860$1,638$895$472$243$17
48 years$2,768$1,563$841$436$221$15
49 years$2,681$1,493$791$403$201$12
50 years$2,597$1,426$743$373$182$11

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,660,000, adding $4,870 every year, while hoping to spend $46,972 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: 25/46/29 Blend
51$2,660,000$2,660,000$2,660,000$2,660,000
52$2,936,343$2,795,363$2,754,133$2,983,002
53$3,185,873$2,882,358$2,796,419$3,109,576
54$3,459,279$2,972,042$2,838,547$3,240,893
55$3,758,950$3,064,496$2,880,462$3,380,721
56$4,087,512$3,159,805$2,922,107$3,529,809
57$4,447,859$3,258,057$2,963,418$3,688,976
58$4,843,180$3,359,340$3,004,332$3,859,126
59$5,276,984$3,463,748$3,044,777$4,041,249
60$5,753,141$3,571,376$3,084,682$4,236,434
61$6,275,910$3,682,322$3,123,967$4,445,880
62$6,849,983$3,796,686$3,162,550$4,670,903
63$7,480,530$3,914,573$3,200,345$4,912,952
64$8,173,247$4,036,090$3,237,259$5,173,620
65$8,934,407$4,161,347$3,273,195$5,454,659
66$9,770,920$4,290,457$3,308,052$5,757,998
67$10,690,402$4,423,537$3,341,719$6,085,759
68$11,701,241$4,560,708$3,374,085$6,440,276
69$12,812,679$4,702,094$3,405,028$6,824,120
70$14,034,897$4,847,822$3,434,421$7,240,120
71$15,379,114$4,998,023$3,462,132$7,691,389
72$16,857,691$5,152,833$3,488,020$8,181,357
73$18,484,244$5,312,390$3,511,938$8,713,797
74$20,273,778$5,476,838$3,533,729$9,292,867
75$22,242,825$5,646,325$3,553,230$9,923,143
76$24,409,600$5,821,002$3,570,271$10,609,666
77$26,794,174$6,001,026$3,584,669$11,357,985
78$29,418,660$6,186,556$3,596,236$12,174,215
79$32,307,425$6,377,760$3,604,772$13,065,089
80$35,487,319$6,574,806$3,610,068$14,038,023
81$38,987,924$6,777,870$3,611,904$15,101,187
82$42,841,839$6,987,133$3,610,050$16,263,579
83$47,084,984$7,202,780$3,604,264$17,535,113
84$51,756,938$7,425,002$3,594,292$18,926,709
85$56,901,314$7,653,995$3,579,869$20,450,398
86$62,566,169$7,889,961$3,560,715$22,119,434
87$68,804,458$8,133,109$3,536,539$23,948,418
88$75,674,533$8,383,652$3,507,034$25,953,439
89$83,240,695$8,641,811$3,471,879$28,152,221
90$91,573,797$8,907,811$3,430,738$30,564,293
91$100,751,916$9,181,885$3,383,260$33,211,173
92$110,861,087$9,464,273$3,329,075$36,116,569
93$121,996,117$9,755,221$3,267,797$39,306,603
94$134,261,477$10,054,983$3,199,024$42,810,058
95$147,772,288$10,363,818$3,122,332$46,658,651
96$162,655,411$10,681,994$3,037,280$50,887,327
97$179,050,638$11,009,787$2,943,404$55,534,594
98$197,112,016$11,347,480$2,840,221$60,642,884
99$217,009,298$11,695,363$2,727,225$66,258,954
100$238,929,547$12,053,736$2,603,887$72,434,324