Can I retire at age 52 with 2,710,000?

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 $2,710,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.6%
1 years$223,789$221,796$219,851$217,953$216,099$212,870
2 years$110,787$108,723$106,724$104,785$102,904$99,658
3 years$73,124$71,052$69,057$67,137$65,287$62,125
4 years$54,297$52,231$50,256$48,368$46,563$43,509
5 years$43,003$40,950$39,001$37,151$35,397$32,460
6 years$35,476$33,438$31,518$29,710$28,008$25,192
7 years$30,102$28,081$26,192$24,426$22,778$20,084
8 years$26,074$24,071$22,213$20,491$18,897$16,324
9 years$22,942$20,958$19,132$17,454$15,914$13,461
10 years$20,438$18,474$16,680$15,045$13,559$11,225
11 years$18,391$16,446$14,684$13,094$11,661$9,443
12 years$16,686$14,761$13,032$11,485$10,106$8,000
13 years$15,244$13,340$11,643$10,140$8,812$6,817
14 years$14,010$12,125$10,462$9,001$7,725$5,836
15 years$12,941$11,077$9,445$8,027$6,801$5,016
16 years$12,006$10,163$8,564$7,187$6,011$4,326
17 years$11,183$9,359$7,793$6,458$5,330$3,741
18 years$10,451$8,649$7,114$5,820$4,739$3,243
19 years$9,798$8,015$6,512$5,259$4,224$2,817
20 years$9,210$7,448$5,977$4,763$3,773$2,451
21 years$8,680$6,938$5,497$4,322$3,376$2,136
22 years$8,198$6,476$5,067$3,930$3,026$1,864
23 years$7,758$6,057$4,678$3,579$2,717$1,628
24 years$7,356$5,675$4,326$3,264$2,442$1,424
25 years$6,987$5,326$4,007$2,981$2,197$1,246
26 years$6,646$5,005$3,716$2,726$1,979$1,091
27 years$6,332$4,711$3,451$2,495$1,784$956
28 years$6,040$4,439$3,208$2,286$1,610$838
29 years$5,769$4,187$2,985$2,096$1,454$735
30 years$5,516$3,955$2,781$1,924$1,314$645
31 years$5,281$3,738$2,593$1,767$1,188$567
32 years$5,060$3,537$2,419$1,624$1,074$498
33 years$4,853$3,350$2,259$1,493$972$437
34 years$4,659$3,175$2,110$1,374$880$384
35 years$4,476$3,011$1,973$1,265$797$338
36 years$4,304$2,858$1,846$1,165$722$297
37 years$4,142$2,715$1,727$1,073$655$261
38 years$3,988$2,580$1,618$989$594$229
39 years$3,843$2,453$1,516$912$538$202
40 years$3,705$2,334$1,421$841$488$177
41 years$3,574$2,222$1,332$776$443$156
42 years$3,450$2,116$1,250$716$402$137
43 years$3,332$2,016$1,172$661$365$121
44 years$3,220$1,922$1,101$611$331$106
45 years$3,113$1,833$1,033$564$301$94
46 years$3,011$1,748$971$521$273$82
47 years$2,913$1,668$912$481$248$72
48 years$2,820$1,593$857$445$225$64
49 years$2,731$1,521$805$411$204$56
50 years$2,646$1,453$757$380$186$49

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,710,000, adding $3,077 every year, while hoping to spend $41,409 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: 32/43/25 Blend
51$2,710,000$2,710,000$2,710,000$2,710,000
52$2,989,594$2,845,964$2,803,959$3,062,255
53$3,250,474$2,941,357$2,853,833$3,213,099
54$3,536,575$3,040,037$2,903,989$3,371,547
55$3,850,428$3,142,121$2,954,395$3,541,383
56$4,194,816$3,247,730$3,005,012$3,723,636
57$4,572,809$3,356,990$3,055,802$3,919,433
58$4,987,787$3,470,033$3,106,722$4,130,015
59$5,443,471$3,586,995$3,157,727$4,356,744
60$5,943,963$3,708,016$3,208,769$4,601,119
61$6,493,782$3,833,243$3,259,797$4,864,784
62$7,097,903$3,962,827$3,310,756$5,149,550
63$7,761,809$4,096,926$3,361,587$5,457,405
64$8,491,542$4,235,704$3,412,228$5,790,538
65$9,293,755$4,379,329$3,462,613$6,151,355
66$10,175,781$4,527,979$3,512,673$6,542,504
67$11,145,696$4,681,835$3,562,333$6,966,894
68$12,212,400$4,841,088$3,611,514$7,427,731
69$13,385,697$5,005,934$3,660,133$7,928,539
70$14,676,392$5,176,579$3,708,101$8,473,197
71$16,096,386$5,353,233$3,755,324$9,065,975
72$17,658,794$5,536,118$3,801,704$9,711,570
73$19,378,066$5,725,462$3,847,136$10,415,155
74$21,270,122$5,921,504$3,891,509$11,182,424
75$23,352,507$6,124,490$3,934,707$12,019,643
76$25,644,549$6,334,676$3,976,606$12,933,714
77$28,167,547$6,552,330$4,017,076$13,932,233
78$30,944,970$6,777,726$4,055,981$15,023,567
79$34,002,676$7,011,154$4,093,175$16,216,925
80$37,369,159$7,252,911$4,128,507$17,522,454
81$41,075,818$7,503,308$4,161,817$18,951,321
82$45,157,248$7,762,667$4,192,934$20,515,831
83$49,651,572$8,031,323$4,221,683$22,229,533
84$54,600,799$8,309,624$4,247,876$24,107,347
85$60,051,217$8,597,932$4,271,316$26,165,711
86$66,053,834$8,896,623$4,291,797$28,422,729
87$72,664,855$9,206,088$4,309,103$30,898,341
88$79,946,216$9,526,732$4,323,004$33,614,512
89$87,966,167$9,858,979$4,333,262$36,595,440
90$96,799,915$10,203,268$4,339,624$39,867,778
91$106,530,332$10,560,054$4,341,828$43,460,888
92$117,248,742$10,929,813$4,339,595$47,407,119
93$129,055,778$11,313,037$4,332,635$51,742,104
94$142,062,332$11,710,242$4,320,644$56,505,102
95$156,390,606$12,121,959$4,303,301$61,739,364
96$172,175,258$12,548,745$4,280,272$67,492,541
97$189,564,678$12,991,177$4,251,205$73,817,130
98$208,722,386$13,449,856$4,215,731$80,770,972
99$229,828,577$13,925,407$4,173,466$88,417,794
100$253,081,819$14,418,479$4,124,004$96,827,807