Can I retire at age 52 with 2,790,000?

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 $2,790,000?

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$230,396$228,343$226,341$224,387$222,479$217,720
2 years$114,057$111,933$109,874$107,878$105,942$101,171
3 years$75,283$73,149$71,096$69,119$67,214$62,579
4 years$55,899$53,773$51,740$49,796$47,938$43,475
5 years$44,272$42,158$40,152$38,248$36,441$32,164
6 years$36,524$34,425$32,449$30,587$28,835$24,746
7 years$30,991$28,910$26,965$25,148$23,450$19,552
8 years$26,843$24,782$22,869$21,096$19,454$15,745
9 years$23,619$21,577$19,697$17,969$16,383$12,860
10 years$21,041$19,019$17,172$15,489$13,960$10,619
11 years$18,933$16,931$15,118$13,480$12,006$8,843
12 years$17,178$15,197$13,417$11,824$10,404$7,415
13 years$15,694$13,733$11,987$10,439$9,072$6,252
14 years$14,423$12,483$10,770$9,266$7,953$5,295
15 years$13,323$11,404$9,724$8,264$7,002$4,501
16 years$12,361$10,463$8,816$7,400$6,189$3,839
17 years$11,513$9,636$8,023$6,648$5,487$3,282
18 years$10,760$8,904$7,324$5,992$4,879$2,812
19 years$10,087$8,252$6,704$5,414$4,349$2,414
20 years$9,482$7,668$6,153$4,903$3,884$2,075
21 years$8,936$7,143$5,660$4,450$3,476$1,787
22 years$8,440$6,667$5,216$4,046$3,116$1,540
23 years$7,987$6,236$4,816$3,685$2,797$1,329
24 years$7,573$5,843$4,454$3,361$2,514$1,147
25 years$7,193$5,483$4,125$3,069$2,262$991
26 years$6,843$5,153$3,826$2,806$2,038$857
27 years$6,519$4,850$3,553$2,569$1,837$742
28 years$6,218$4,570$3,303$2,354$1,658$642
29 years$5,939$4,311$3,074$2,158$1,497$556
30 years$5,679$4,071$2,863$1,981$1,353$481
31 years$5,436$3,849$2,669$1,819$1,223$417
32 years$5,209$3,642$2,490$1,672$1,106$361
33 years$4,996$3,449$2,325$1,537$1,001$313
34 years$4,797$3,269$2,173$1,415$906$272
35 years$4,608$3,100$2,031$1,302$821$235
36 years$4,431$2,943$1,900$1,199$744$204
37 years$4,264$2,795$1,778$1,105$674$177
38 years$4,106$2,656$1,665$1,018$611$154
39 years$3,956$2,526$1,560$939$554$133
40 years$3,814$2,403$1,463$866$503$116
41 years$3,680$2,287$1,371$799$456$100
42 years$3,552$2,178$1,286$738$414$87
43 years$3,431$2,076$1,207$681$376$76
44 years$3,315$1,978$1,133$629$341$66
45 years$3,205$1,887$1,064$581$309$57
46 years$3,100$1,800$999$536$281$49
47 years$2,999$1,718$939$495$255$43
48 years$2,903$1,640$882$458$232$37
49 years$2,812$1,566$829$423$210$32
50 years$2,724$1,496$780$391$191$28

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,790,000, adding $3,133 every year, while hoping to spend $57,946 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: 50/20/30 Blend
51$2,790,000$2,790,000$2,790,000$2,790,000
52$3,077,812$2,929,942$2,886,697$3,205,367
53$3,330,094$3,011,855$2,921,747$3,377,025
54$3,606,168$3,095,839$2,956,029$3,557,528
55$3,908,397$3,181,936$2,989,457$3,752,626
56$4,239,388$3,270,185$3,021,938$3,963,734
57$4,602,008$3,360,627$3,053,375$4,192,410
58$4,999,417$3,453,302$3,083,667$4,440,374
59$5,435,094$3,548,250$3,112,706$4,709,516
60$5,912,870$3,645,511$3,140,379$5,001,922
61$6,436,967$3,745,124$3,166,566$5,319,888
62$7,012,033$3,847,130$3,191,140$5,665,946
63$7,643,187$3,951,567$3,213,971$6,042,883
64$8,336,072$4,058,473$3,234,918$6,453,774
65$9,096,898$4,167,886$3,253,835$6,902,003
66$9,932,512$4,279,842$3,270,569$7,391,302
67$10,850,451$4,394,377$3,284,956$7,925,783
68$11,859,022$4,511,527$3,296,827$8,509,977
69$12,967,375$4,631,324$3,306,003$9,148,877
70$14,185,590$4,753,802$3,312,297$9,847,986
71$15,524,773$4,878,991$3,315,511$10,613,370
72$16,997,158$5,006,919$3,315,439$11,451,712
73$18,616,225$5,137,616$3,311,864$12,370,377
74$20,396,826$5,271,105$3,304,557$13,377,485
75$22,355,323$5,407,410$3,293,281$14,481,982
76$24,509,745$5,546,552$3,277,784$15,693,727
77$26,879,954$5,688,548$3,257,805$17,023,590
78$29,487,836$5,833,414$3,233,069$18,483,546
79$32,357,506$5,981,161$3,203,287$20,086,796
80$35,515,532$6,131,799$3,168,157$21,847,888
81$38,991,189$6,285,330$3,127,364$23,782,856
82$42,816,736$6,441,756$3,080,576$25,909,372
83$47,027,714$6,601,074$3,027,446$28,246,911
84$51,663,288$6,763,273$2,967,612$30,816,939
85$56,766,611$6,928,341$2,900,695$33,643,114
86$62,385,233$7,096,258$2,826,296$36,751,507
87$68,571,550$7,266,998$2,744,000$40,170,856
88$75,383,297$7,440,529$2,653,373$43,932,832
89$82,884,091$7,616,814$2,553,959$48,072,338
90$91,144,035$7,795,804$2,445,284$52,627,845
91$100,240,375$7,977,447$2,326,849$57,641,750
92$110,258,231$8,161,679$2,198,136$63,160,780
93$121,291,398$8,348,429$2,058,601$69,236,433
94$133,443,233$8,537,615$1,907,677$75,925,467
95$146,827,629$8,729,144$1,744,770$83,290,434
96$161,570,089$8,922,913$1,569,261$91,400,272
97$177,808,910$9,118,808$1,380,503$100,330,958
98$195,696,488$9,316,699$1,177,820$110,166,228
99$215,400,759$9,516,446$960,506$120,998,365
100$237,106,776$9,717,892$727,823$132,929,074