Can I retire at age 52 with 2,670,000?

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 $2,670,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.8%
1 years$220,486$218,522$216,606$214,736$212,910$207,007
2 years$109,152$107,119$105,149$103,238$101,385$95,483
3 years$72,045$70,003$68,038$66,146$64,323$58,605
4 years$53,495$51,460$49,514$47,654$45,876$40,387
5 years$42,368$40,345$38,425$36,603$34,874$29,629
6 years$34,953$32,945$31,053$29,272$27,595$22,598
7 years$29,658$27,667$25,805$24,066$22,442$17,694
8 years$25,689$23,716$21,885$20,188$18,618$14,116
9 years$22,603$20,649$18,850$17,196$15,679$11,419
10 years$20,136$18,201$16,433$14,823$13,359$9,335
11 years$18,119$16,203$14,468$12,901$11,489$7,696
12 years$16,439$14,543$12,840$11,316$9,956$6,385
13 years$15,019$13,143$11,471$9,990$8,682$5,326
14 years$13,803$11,946$10,307$8,868$7,611$4,462
15 years$12,750$10,913$9,306$7,909$6,701$3,751
16 years$11,829$10,013$8,437$7,081$5,922$3,162
17 years$11,018$9,221$7,678$6,362$5,251$2,673
18 years$10,297$8,521$7,009$5,734$4,669$2,263
19 years$9,653$7,897$6,416$5,181$4,162$1,920
20 years$9,074$7,338$5,888$4,692$3,717$1,631
21 years$8,552$6,835$5,416$4,259$3,327$1,387
22 years$8,077$6,381$4,992$3,872$2,982$1,180
23 years$7,644$5,968$4,609$3,526$2,677$1,006
24 years$7,248$5,591$4,263$3,216$2,406$858
25 years$6,884$5,247$3,948$2,937$2,165$732
26 years$6,548$4,931$3,662$2,686$1,950$624
27 years$6,238$4,641$3,400$2,458$1,758$533
28 years$5,951$4,373$3,161$2,252$1,586$456
29 years$5,684$4,126$2,941$2,065$1,432$389
30 years$5,435$3,896$2,740$1,896$1,294$333
31 years$5,203$3,683$2,554$1,741$1,170$285
32 years$4,985$3,485$2,383$1,600$1,059$243
33 years$4,782$3,300$2,225$1,471$958$208
34 years$4,590$3,128$2,079$1,354$867$178
35 years$4,410$2,967$1,944$1,246$786$152
36 years$4,241$2,816$1,818$1,148$712$130
37 years$4,080$2,675$1,702$1,057$645$112
38 years$3,929$2,542$1,594$975$585$95
39 years$3,786$2,417$1,493$899$530$82
40 years$3,650$2,300$1,400$829$481$70
41 years$3,522$2,189$1,312$765$436$60
42 years$3,399$2,085$1,231$706$396$51
43 years$3,283$1,986$1,155$652$359$44
44 years$3,172$1,893$1,084$602$326$38
45 years$3,067$1,806$1,018$556$296$32
46 years$2,966$1,722$956$513$269$27
47 years$2,870$1,644$898$474$244$24
48 years$2,779$1,569$844$438$222$20
49 years$2,691$1,498$794$405$201$17
50 years$2,607$1,431$746$374$183$15

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,670,000, adding $2,607 every year, while hoping to spend $53,610 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: 82/5/13 Blend
51$2,670,000$2,670,000$2,670,000$2,670,000
52$2,945,029$2,803,519$2,762,134$3,179,154
53$3,188,381$2,883,851$2,797,625$3,413,441
54$3,454,759$2,966,322$2,832,508$3,663,325
55$3,746,454$3,050,981$2,866,706$3,936,115
56$4,065,989$3,137,877$2,900,138$4,234,082
57$4,416,146$3,227,058$2,932,718$4,559,731
58$4,799,984$3,318,575$2,964,356$4,915,817
59$5,220,876$3,412,479$2,994,955$5,305,378
60$5,682,534$3,508,819$3,024,415$5,731,758
61$6,189,049$3,607,648$3,052,629$6,198,641
62$6,744,925$3,709,016$3,079,486$6,710,087
63$7,355,126$3,812,977$3,104,867$7,270,566
64$8,025,118$3,919,581$3,128,649$7,885,005
65$8,760,921$4,028,881$3,150,700$8,558,830
66$9,569,169$4,140,931$3,170,882$9,298,020
67$10,457,169$4,255,781$3,189,052$10,109,161
68$11,432,971$4,373,486$3,205,056$10,999,510
69$12,505,445$4,494,097$3,218,736$11,977,063
70$13,684,359$4,617,667$3,229,923$13,050,628
71$14,980,479$4,744,247$3,238,440$14,229,912
72$16,405,662$4,873,890$3,244,103$15,525,610
73$17,972,976$5,006,647$3,246,716$16,949,504
74$19,696,814$5,142,567$3,246,076$18,514,578
75$21,593,037$5,281,701$3,241,968$20,235,139
76$23,679,121$5,424,098$3,234,167$22,126,950
77$25,974,318$5,569,806$3,222,439$24,207,380
78$28,499,843$5,718,871$3,206,535$26,495,569
79$31,279,070$5,871,339$3,186,197$29,012,607
80$34,337,754$6,027,253$3,161,153$31,781,733
81$37,704,273$6,186,657$3,131,120$34,828,555
82$41,409,894$6,349,588$3,095,798$38,181,290
83$45,489,073$6,516,087$3,054,876$41,871,033
84$49,979,771$6,686,189$3,008,028$45,932,048
85$54,923,822$6,859,926$2,954,910$50,402,091
86$60,367,318$7,037,329$2,895,166$55,322,768
87$66,361,051$7,218,424$2,828,421$60,739,927
88$72,960,986$7,403,235$2,754,281$66,704,092
89$80,228,796$7,591,782$2,672,338$73,270,936
90$88,232,434$7,784,081$2,582,163$80,501,811
91$97,046,782$7,980,141$2,483,305$88,464,322
92$106,754,356$8,179,970$2,375,298$97,232,971
93$117,446,079$8,383,567$2,257,649$106,889,857
94$129,222,145$8,590,928$2,129,847$117,525,448
95$142,192,962$8,802,042$1,991,355$129,239,443
96$156,480,192$9,016,890$1,841,613$142,141,704
97$172,217,902$9,235,447$1,680,037$156,353,299
98$189,553,825$9,457,681$1,506,015$172,007,644
99$208,650,757$9,683,550$1,318,909$189,251,760
100$229,688,094$9,913,003$1,118,052$208,247,665