Can I retire at age 52 with 3,100,000?

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 $3,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.6%
1 years$255,995$253,715$251,490$249,319$247,198$242,505
2 years$126,730$124,370$122,083$119,865$117,714$113,003
3 years$83,648$81,277$78,996$76,799$74,682$70,102
4 years$62,110$59,747$57,489$55,329$53,264$48,849
5 years$49,192$46,843$44,613$42,498$40,490$36,253
6 years$40,582$38,251$36,054$33,986$32,039$27,984
7 years$34,434$32,123$29,961$27,942$26,056$22,185
8 years$29,826$27,535$25,410$23,440$21,616$17,928
9 years$26,243$23,974$21,885$19,965$18,204$14,696
10 years$23,379$21,132$19,080$17,210$15,511$12,179
11 years$21,037$18,813$16,798$14,978$13,340$10,182
12 years$19,087$16,885$14,908$13,138$11,560$8,570
13 years$17,438$15,259$13,319$11,599$10,080$7,255
14 years$16,026$13,870$11,967$10,296$8,836$6,169
15 years$14,803$12,671$10,805$9,182$7,780$5,267
16 years$13,734$11,625$9,796$8,222$6,876$4,510
17 years$12,792$10,706$8,914$7,387$6,097$3,873
18 years$11,956$9,893$8,137$6,657$5,421$3,333
19 years$11,208$9,169$7,449$6,015$4,832$2,874
20 years$10,536$8,520$6,837$5,448$4,316$2,482
21 years$9,929$7,936$6,288$4,945$3,862$2,147
22 years$9,377$7,408$5,796$4,496$3,462$1,859
23 years$8,875$6,929$5,351$4,094$3,108$1,611
24 years$8,415$6,492$4,949$3,734$2,793$1,398
25 years$7,992$6,092$4,584$3,410$2,514$1,214
26 years$7,603$5,726$4,251$3,118$2,264$1,054
27 years$7,243$5,389$3,948$2,854$2,041$917
28 years$6,909$5,078$3,670$2,615$1,842$797
29 years$6,599$4,790$3,415$2,398$1,663$694
30 years$6,310$4,524$3,181$2,201$1,503$604
31 years$6,041$4,276$2,966$2,021$1,359$526
32 years$5,788$4,046$2,767$1,858$1,229$458
33 years$5,552$3,832$2,584$1,708$1,112$399
34 years$5,329$3,632$2,414$1,572$1,007$348
35 years$5,120$3,445$2,257$1,447$912$303
36 years$4,924$3,270$2,111$1,333$826$264
37 years$4,738$3,105$1,976$1,228$749$230
38 years$4,562$2,951$1,850$1,132$679$201
39 years$4,396$2,806$1,734$1,043$616$175
40 years$4,238$2,670$1,625$962$559$153
41 years$4,089$2,542$1,524$888$507$133
42 years$3,947$2,420$1,429$819$460$116
43 years$3,812$2,306$1,341$756$417$101
44 years$3,683$2,198$1,259$698$379$88
45 years$3,561$2,096$1,182$645$344$77
46 years$3,444$2,000$1,110$596$312$67
47 years$3,333$1,908$1,043$550$283$59
48 years$3,226$1,822$980$509$257$51
49 years$3,124$1,740$921$470$234$45
50 years$3,027$1,662$866$435$212$39

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $3,100,000, adding $5,111 every year, while hoping to spend $48,927 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: 53/18/29 Blend
51$3,100,000$3,100,000$3,100,000$3,100,000
52$3,421,472$3,257,172$3,209,122$3,574,803
53$3,718,404$3,364,715$3,264,570$3,789,316
54$4,043,984$3,475,889$3,320,235$4,017,269
55$4,401,081$3,590,818$3,376,074$4,264,394
56$4,792,857$3,709,634$3,432,038$4,532,550
57$5,222,795$3,832,472$3,488,078$4,823,780
58$5,694,730$3,959,473$3,544,138$5,140,336
59$6,212,887$4,090,783$3,600,162$5,484,695
60$6,781,921$4,226,551$3,656,087$5,859,586
61$7,406,959$4,366,934$3,711,848$6,268,013
62$8,093,650$4,512,095$3,767,376$6,713,286
63$8,848,215$4,662,200$3,822,596$7,199,048
64$9,677,510$4,817,425$3,877,429$7,729,312
65$10,589,086$4,977,949$3,931,794$8,308,499
66$11,591,264$5,143,959$3,985,600$8,941,476
67$12,693,210$5,315,650$4,038,754$9,633,607
68$13,905,023$5,493,223$4,091,158$10,390,797
69$15,237,830$5,676,885$4,142,706$11,219,555
70$16,703,889$5,866,853$4,193,288$12,127,047
71$18,316,709$6,063,352$4,242,786$13,121,170
72$20,091,170$6,266,613$4,291,076$14,210,623
73$22,043,670$6,476,878$4,338,028$15,404,989
74$24,192,276$6,694,396$4,383,503$16,714,827
75$26,556,894$6,919,428$4,427,357$18,151,768
76$29,159,460$7,152,242$4,469,436$19,728,630
77$32,024,140$7,393,118$4,509,577$21,459,531
78$35,177,566$7,642,344$4,547,612$23,360,030
79$38,649,081$7,900,222$4,583,360$25,447,268
80$42,471,018$8,167,063$4,616,633$27,740,133
81$46,679,003$8,443,191$4,647,232$30,259,433
82$51,312,296$8,728,942$4,674,948$33,028,100
83$56,414,153$9,024,663$4,699,562$36,071,398
84$62,032,241$9,330,716$4,720,842$39,417,168
85$68,219,086$9,647,478$4,738,547$43,096,085
86$75,032,565$9,975,336$4,752,420$47,141,951
87$82,536,456$10,314,697$4,762,195$51,592,013
88$90,801,036$10,665,979$4,767,591$56,487,311
89$99,903,748$11,029,618$4,768,311$61,873,072
90$109,929,929$11,406,068$4,764,048$67,799,130
91$120,973,614$11,795,797$4,754,476$74,320,400
92$133,138,426$12,199,295$4,739,254$81,497,393
93$146,538,552$12,617,067$4,718,026$89,396,791
94$161,299,821$13,049,640$4,690,416$98,092,073
95$177,560,891$13,497,561$4,656,034$107,664,209
96$195,474,558$13,961,397$4,614,467$118,202,427
97$215,209,196$14,441,739$4,565,285$129,805,049
98$236,950,349$14,939,199$4,508,036$142,580,425
99$260,902,478$15,454,413$4,442,249$156,647,951
100$287,290,895$15,988,044$4,367,429$172,139,202