Can I retire at age 52 with 2,760,000?

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 $2,760,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.2%
1 years$227,918$225,888$223,907$221,974$220,086$215,379
2 years$112,831$110,729$108,693$106,718$104,803$100,083
3 years$74,473$72,363$70,331$68,375$66,491$61,906
4 years$55,298$53,194$51,183$49,261$47,422$43,008
5 years$43,796$41,705$39,720$37,837$36,050$31,818
6 years$36,131$34,055$32,100$30,258$28,525$24,480
7 years$30,658$28,600$26,675$24,877$23,198$19,342
8 years$26,555$24,515$22,623$20,869$19,245$15,576
9 years$23,365$21,345$19,485$17,776$16,207$12,722
10 years$20,815$18,814$16,987$15,323$13,809$10,505
11 years$18,730$16,749$14,955$13,335$11,877$8,748
12 years$16,993$15,033$13,273$11,697$10,292$7,335
13 years$15,525$13,586$11,858$10,327$8,975$6,185
14 years$14,268$12,349$10,655$9,167$7,867$5,238
15 years$13,179$11,281$9,620$8,175$6,927$4,453
16 years$12,228$10,350$8,722$7,320$6,122$3,797
17 years$11,389$9,532$7,936$6,577$5,428$3,247
18 years$10,644$8,808$7,245$5,927$4,827$2,782
19 years$9,979$8,163$6,632$5,356$4,302$2,388
20 years$9,380$7,586$6,087$4,851$3,843$2,053
21 years$8,840$7,066$5,599$4,402$3,439$1,768
22 years$8,349$6,596$5,160$4,003$3,082$1,524
23 years$7,901$6,169$4,764$3,645$2,767$1,314
24 years$7,492$5,780$4,406$3,325$2,487$1,135
25 years$7,116$5,424$4,081$3,036$2,238$981
26 years$6,769$5,098$3,785$2,776$2,016$848
27 years$6,449$4,798$3,515$2,541$1,817$734
28 years$6,151$4,521$3,267$2,328$1,640$635
29 years$5,875$4,265$3,041$2,135$1,481$550
30 years$5,618$4,028$2,832$1,959$1,338$476
31 years$5,378$3,807$2,640$1,800$1,210$413
32 years$5,153$3,603$2,464$1,654$1,094$358
33 years$4,943$3,412$2,300$1,521$990$310
34 years$4,745$3,234$2,149$1,399$897$269
35 years$4,559$3,067$2,009$1,288$812$233
36 years$4,384$2,911$1,880$1,186$736$202
37 years$4,218$2,765$1,759$1,093$667$175
38 years$4,062$2,628$1,648$1,008$605$152
39 years$3,914$2,499$1,544$929$548$132
40 years$3,773$2,377$1,447$857$497$114
41 years$3,640$2,263$1,357$791$451$99
42 years$3,514$2,155$1,273$730$409$86
43 years$3,394$2,053$1,194$673$372$75
44 years$3,279$1,957$1,121$622$337$65
45 years$3,170$1,866$1,052$574$306$56
46 years$3,066$1,780$989$530$278$49
47 years$2,967$1,699$929$490$252$42
48 years$2,872$1,622$873$453$229$37
49 years$2,782$1,549$820$419$208$32
50 years$2,695$1,480$771$387$189$28

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,760,000, adding $5,708 every year, while hoping to spend $44,489 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: 44/43/13 Blend
51$2,760,000$2,760,000$2,760,000$2,760,000
52$3,047,408$2,901,128$2,858,348$3,169,858
53$3,310,907$2,995,947$2,906,767$3,350,641
54$3,599,793$3,093,921$2,955,316$3,541,537
55$3,916,607$3,195,159$3,003,954$3,747,462
56$4,264,149$3,299,770$3,052,635$3,969,817
57$4,645,504$3,407,870$3,101,310$4,210,144
58$5,064,070$3,519,580$3,149,928$4,470,138
59$5,523,587$3,635,022$3,198,433$4,751,661
60$6,028,180$3,754,325$3,246,768$5,056,762
61$6,582,388$3,877,621$3,294,868$5,387,694
62$7,191,215$4,005,047$3,342,669$5,746,937
63$7,860,171$4,136,747$3,390,101$6,137,217
64$8,595,327$4,272,866$3,437,088$6,561,535
65$9,403,372$4,413,558$3,483,552$7,023,191
66$10,291,674$4,558,980$3,529,409$7,525,820
67$11,268,351$4,709,296$3,574,570$8,073,419
68$12,342,347$4,864,676$3,618,943$8,670,389
69$13,523,517$5,025,296$3,662,428$9,321,575
70$14,822,717$5,191,336$3,704,920$10,032,308
71$16,251,909$5,362,987$3,746,310$10,808,459
72$17,824,272$5,540,442$3,786,480$11,656,492
73$19,554,329$5,723,905$3,825,309$12,583,522
74$21,458,079$5,913,585$3,862,665$13,597,386
75$23,553,152$6,109,699$3,898,413$14,706,710
76$25,858,972$6,312,473$3,932,408$15,920,996
77$28,396,943$6,522,140$3,964,500$17,250,707
78$31,190,648$6,738,942$3,994,527$18,707,367
79$34,266,073$6,963,129$4,022,323$20,303,665
80$37,651,852$7,194,962$4,047,710$22,053,580
81$41,379,536$7,434,710$4,070,503$23,972,507
82$45,483,890$7,682,652$4,090,507$26,077,403
83$50,003,223$7,939,078$4,107,515$28,386,946
84$54,979,747$8,204,288$4,121,312$30,921,710
85$60,459,976$8,478,593$4,131,671$33,704,361
86$66,495,166$8,762,317$4,138,355$36,759,864
87$73,141,797$9,055,794$4,141,113$40,115,723
88$80,462,103$9,359,371$4,139,683$43,802,237
89$88,524,666$9,673,408$4,133,791$47,852,784
90$97,405,056$9,998,279$4,123,147$52,304,137
91$107,186,548$10,334,372$4,107,449$57,196,810
92$117,960,908$10,682,087$4,086,380$62,575,435
93$129,829,254$11,041,843$4,059,607$68,489,188
94$142,903,015$11,414,071$4,026,782$74,992,246
95$157,304,983$11,799,220$3,987,539$82,144,303
96$173,170,465$12,197,757$3,941,496$90,011,125
97$190,648,569$12,610,163$3,888,252$98,665,177
98$209,903,603$13,036,941$3,827,388$108,186,297
99$231,116,630$13,478,610$3,758,465$118,662,457
100$254,487,176$13,935,712$3,681,024$130,190,584