Can I retire at age 52 with 2,750,000?

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 $2,750,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12%
1 years$227,092$225,070$223,096$221,170$219,289$217,452
2 years$112,422$110,328$108,299$106,332$104,423$102,571
3 years$74,204$72,101$70,077$68,128$66,250$64,442
4 years$55,098$53,002$50,998$49,082$47,250$45,498
5 years$43,638$41,554$39,576$37,700$35,919$34,229
6 years$36,000$33,932$31,984$30,149$28,421$26,796
7 years$30,547$28,496$26,579$24,787$23,114$21,553
8 years$26,458$24,426$22,541$20,793$19,175$17,679
9 years$23,280$21,268$19,414$17,711$16,149$14,717
10 years$20,740$18,746$16,926$15,267$13,759$12,391
11 years$18,662$16,689$14,901$13,287$11,834$10,528
12 years$16,932$14,979$13,224$11,655$10,255$9,010
13 years$15,469$13,537$11,815$10,289$8,942$7,758
14 years$14,216$12,304$10,616$9,134$7,839$6,713
15 years$13,132$11,240$9,585$8,146$6,902$5,833
16 years$12,184$10,313$8,690$7,293$6,100$5,086
17 years$11,348$9,498$7,908$6,553$5,409$4,448
18 years$10,606$8,776$7,219$5,906$4,809$3,900
19 years$9,943$8,134$6,608$5,336$4,286$3,428
20 years$9,346$7,558$6,065$4,833$3,829$3,018
21 years$8,808$7,040$5,578$4,386$3,426$2,662
22 years$8,319$6,572$5,141$3,988$3,071$2,351
23 years$7,873$6,146$4,747$3,632$2,757$2,079
24 years$7,465$5,759$4,390$3,313$2,478$1,840
25 years$7,090$5,404$4,066$3,025$2,230$1,631
26 years$6,744$5,079$3,771$2,766$2,008$1,446
27 years$6,425$4,780$3,502$2,532$1,811$1,284
28 years$6,129$4,504$3,256$2,320$1,634$1,140
29 years$5,854$4,249$3,030$2,127$1,475$1,013
30 years$5,598$4,013$2,822$1,952$1,333$901
31 years$5,359$3,794$2,631$1,793$1,205$802
32 years$5,135$3,590$2,455$1,648$1,090$713
33 years$4,925$3,399$2,292$1,515$987$635
34 years$4,728$3,222$2,141$1,394$893$566
35 years$4,542$3,056$2,002$1,284$809$504
36 years$4,368$2,900$1,873$1,182$733$449
37 years$4,203$2,755$1,753$1,089$664$400
38 years$4,047$2,618$1,642$1,004$602$357
39 years$3,899$2,489$1,538$926$546$318
40 years$3,760$2,369$1,442$854$495$283
41 years$3,627$2,255$1,352$788$449$253
42 years$3,501$2,147$1,268$727$408$225
43 years$3,381$2,046$1,190$671$370$201
44 years$3,267$1,950$1,117$620$336$179
45 years$3,159$1,860$1,049$572$305$160
46 years$3,055$1,774$985$529$277$143
47 years$2,956$1,693$925$488$251$127
48 years$2,862$1,616$870$451$228$114
49 years$2,771$1,543$817$417$207$102
50 years$2,685$1,474$768$385$188$91

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,750,000, adding $3,777 every year, while hoping to spend $59,399 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: 69/15/16 Blend
51$2,750,000$2,750,000$2,750,000$2,750,000
52$3,034,396$2,888,646$2,846,021$3,232,117
53$3,280,704$2,966,990$2,878,163$3,442,622
54$3,550,145$3,047,181$2,909,390$3,665,447
55$3,845,016$3,129,249$2,939,610$3,907,742
56$4,167,845$3,213,219$2,968,725$4,171,417
57$4,521,417$3,299,119$2,996,629$4,458,579
58$4,908,801$3,386,975$3,023,215$4,771,545
59$5,333,372$3,476,811$3,048,367$5,112,869
60$5,798,852$3,568,651$3,071,963$5,485,363
61$6,309,338$3,662,517$3,093,877$5,892,125
62$6,869,341$3,758,431$3,113,973$6,336,568
63$7,483,833$3,856,414$3,132,110$6,822,451
64$8,158,289$3,956,483$3,148,140$7,353,915
65$8,898,739$4,058,655$3,161,907$7,935,525
66$9,711,826$4,162,945$3,173,247$8,572,305
67$10,604,869$4,269,366$3,181,988$9,269,795
68$11,585,929$4,377,928$3,187,948$10,034,097
69$12,663,888$4,488,640$3,190,937$10,871,933
70$13,848,527$4,601,507$3,190,757$11,790,711
71$15,150,628$4,716,531$3,187,198$12,798,593
72$16,582,063$4,833,713$3,180,040$13,904,572
73$18,155,916$4,953,047$3,169,054$15,118,557
74$19,886,600$5,074,527$3,153,998$16,451,467
75$21,789,996$5,198,141$3,134,620$17,915,335
76$23,883,599$5,323,874$3,110,653$19,523,417
77$26,186,687$5,451,705$3,081,821$21,290,323
78$28,720,500$5,581,608$3,047,832$23,232,152
79$31,508,438$5,713,555$3,008,382$25,366,642
80$34,576,287$5,847,507$2,963,152$27,713,341
81$37,952,458$5,983,425$2,911,806$30,293,792
82$41,668,253$6,121,257$2,853,997$33,131,732
83$45,758,167$6,260,950$2,789,357$36,253,318
84$50,260,203$6,402,440$2,717,504$39,687,378
85$55,216,240$6,545,656$2,638,037$43,465,677
86$60,672,423$6,690,519$2,550,537$47,623,220
87$66,679,595$6,836,940$2,454,566$52,198,584
88$73,293,785$6,984,822$2,349,665$57,234,279
89$80,576,728$7,134,055$2,235,355$62,777,153
90$88,596,451$7,284,520$2,111,136$68,878,829
91$97,427,913$7,436,086$1,976,483$75,596,201
92$107,153,716$7,588,609$1,830,851$82,991,962
93$117,864,877$7,741,933$1,673,667$91,135,202
94$129,661,693$7,895,887$1,504,333$100,102,061
95$142,654,684$8,050,284$1,322,227$109,976,443
96$156,965,637$8,204,923$1,126,697$120,850,813
97$172,728,753$8,359,584$917,061$132,827,070
98$190,091,913$8,514,032$692,611$146,017,504
99$209,218,079$8,668,010$452,603$160,545,866
100$230,286,822$8,821,241$196,265$176,548,529