Can I retire at age 52 with 2,730,000?

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 $2,730,000?

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$225,441$223,433$221,474$219,561$217,694$210,894
2 years$111,604$109,526$107,511$105,558$103,664$96,874
3 years$73,664$71,576$69,567$67,632$65,769$59,201
4 years$54,697$52,616$50,627$48,725$46,907$40,612
5 years$43,320$41,252$39,289$37,426$35,658$29,653
6 years$35,738$33,685$31,751$29,930$28,215$22,505
7 years$30,324$28,289$26,385$24,607$22,946$17,531
8 years$26,266$24,249$22,377$20,642$19,036$13,912
9 years$23,111$21,113$19,273$17,582$16,031$11,193
10 years$20,589$18,610$16,803$15,156$13,659$9,099
11 years$18,526$16,567$14,793$13,190$11,747$7,458
12 years$16,809$14,870$13,128$11,570$10,180$6,151
13 years$15,357$13,438$11,729$10,214$8,877$5,100
14 years$14,113$12,215$10,539$9,067$7,782$4,246
15 years$13,036$11,158$9,515$8,086$6,852$3,547
16 years$12,095$10,238$8,627$7,240$6,056$2,971
17 years$11,265$9,429$7,850$6,505$5,369$2,494
18 years$10,529$8,712$7,166$5,863$4,774$2,098
19 years$9,870$8,075$6,560$5,297$4,255$1,768
20 years$9,278$7,503$6,021$4,798$3,801$1,491
21 years$8,744$6,989$5,538$4,354$3,401$1,259
22 years$8,258$6,524$5,104$3,959$3,049$1,065
23 years$7,816$6,102$4,713$3,606$2,737$901
24 years$7,410$5,717$4,358$3,289$2,460$762
25 years$7,038$5,365$4,037$3,003$2,214$646
26 years$6,695$5,042$3,744$2,746$1,994$547
27 years$6,378$4,745$3,477$2,514$1,798$464
28 years$6,085$4,472$3,232$2,303$1,622$393
29 years$5,811$4,218$3,008$2,112$1,465$334
30 years$5,557$3,984$2,801$1,938$1,323$283
31 years$5,320$3,766$2,612$1,780$1,196$240
32 years$5,097$3,563$2,437$1,636$1,082$204
33 years$4,889$3,375$2,275$1,504$979$173
34 years$4,693$3,198$2,126$1,384$887$147
35 years$4,509$3,034$1,987$1,274$803$125
36 years$4,336$2,879$1,859$1,173$728$106
37 years$4,172$2,735$1,740$1,081$660$90
38 years$4,017$2,599$1,630$997$598$76
39 years$3,871$2,471$1,527$919$542$65
40 years$3,732$2,351$1,431$848$492$55
41 years$3,601$2,238$1,342$782$446$47
42 years$3,476$2,132$1,259$722$405$40
43 years$3,357$2,031$1,181$666$367$34
44 years$3,244$1,936$1,109$615$334$29
45 years$3,136$1,846$1,041$568$303$24
46 years$3,033$1,761$978$525$275$21
47 years$2,935$1,681$919$485$250$18
48 years$2,841$1,604$863$448$227$15
49 years$2,751$1,532$811$414$206$13
50 years$2,665$1,464$763$383$187$11

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,730,000, adding $4,440 every year, while hoping to spend $28,065 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: 37/39/24 Blend
51$2,730,000$2,730,000$2,730,000$2,730,000
52$3,013,040$2,868,350$2,826,035$3,102,680
53$3,290,509$2,979,038$2,890,846$3,279,410
54$3,595,339$3,094,209$2,956,888$3,467,261
55$3,930,292$3,214,054$3,024,172$3,669,616
56$4,298,409$3,338,770$3,092,709$3,887,800
57$4,703,042$3,468,565$3,162,510$4,123,265
58$5,147,883$3,603,654$3,233,584$4,377,610
59$5,636,998$3,744,265$3,305,941$4,652,586
60$6,174,871$3,890,633$3,379,589$4,950,119
61$6,766,438$4,043,004$3,454,535$5,272,327
62$7,417,139$4,201,636$3,530,786$5,621,533
63$8,132,969$4,366,797$3,608,349$6,000,294
64$8,920,530$4,538,769$3,687,227$6,411,418
65$9,787,099$4,717,844$3,767,425$6,857,992
66$10,740,694$4,904,329$3,848,944$7,343,413
67$11,790,148$5,098,544$3,931,787$7,871,412
68$12,945,194$5,300,824$4,015,952$8,446,096
69$14,216,557$5,511,517$4,101,440$9,071,979
70$15,616,054$5,730,990$4,188,246$9,754,030
71$17,156,706$5,959,623$4,276,367$10,497,713
72$18,852,860$6,197,815$4,365,796$11,309,038
73$20,720,327$6,445,983$4,456,525$12,194,622
74$22,776,527$6,704,562$4,548,545$13,161,742
75$25,040,654$6,974,007$4,641,843$14,218,409
76$27,533,862$7,254,795$4,736,406$15,373,438
77$30,279,457$7,547,421$4,832,217$16,636,533
78$33,303,123$7,852,406$4,929,257$18,018,374
79$36,633,160$8,170,293$5,027,506$19,530,716
80$40,300,755$8,501,649$5,126,940$21,186,502
81$44,340,271$8,847,069$5,227,531$22,999,981
82$48,789,576$9,207,173$5,329,251$24,986,839
83$53,690,398$9,582,610$5,432,066$27,164,347
84$59,088,719$9,974,058$5,535,941$29,551,524
85$65,035,208$10,382,227$5,640,835$32,169,309
86$71,585,702$10,807,858$5,746,705$35,040,762
87$78,801,729$11,251,728$5,853,505$38,191,277
88$86,751,090$11,714,648$5,961,182$41,648,818
89$95,508,501$12,197,465$6,069,681$45,444,183
90$105,156,295$12,701,068$6,178,943$49,611,291
91$115,785,200$13,226,384$6,288,901$54,187,499
92$127,495,198$13,774,384$6,399,486$59,213,954
93$140,396,462$14,346,083$6,510,623$64,735,974
94$154,610,403$14,942,542$6,622,231$70,803,478
95$170,270,812$15,564,874$6,734,223$77,471,451
96$187,525,121$16,214,240$6,846,506$84,800,461
97$206,535,801$16,891,855$6,958,981$92,857,225
98$227,481,888$17,598,992$7,071,543$101,715,237
99$250,560,679$18,336,980$7,184,077$111,455,461
100$275,989,588$19,107,213$7,296,464$122,167,086