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%13.3%
1 years$255,995$253,715$251,490$249,319$247,198$243,806
2 years$126,730$124,370$122,083$119,865$117,714$114,302
3 years$83,648$81,277$78,996$76,799$74,682$71,357
4 years$62,110$59,747$57,489$55,329$53,264$50,052
5 years$49,192$46,843$44,613$42,498$40,490$37,400
6 years$40,582$38,251$36,054$33,986$32,039$29,073
7 years$34,434$32,123$29,961$27,942$26,056$23,217
8 years$29,826$27,535$25,410$23,440$21,616$18,903
9 years$26,243$23,974$21,885$19,965$18,204$15,615
10 years$23,379$21,132$19,080$17,210$15,511$13,045
11 years$21,037$18,813$16,798$14,978$13,340$10,994
12 years$19,087$16,885$14,908$13,138$11,560$9,332
13 years$17,438$15,259$13,319$11,599$10,080$7,968
14 years$16,026$13,870$11,967$10,296$8,836$6,835
15 years$14,803$12,671$10,805$9,182$7,780$5,887
16 years$13,734$11,625$9,796$8,222$6,876$5,088
17 years$12,792$10,706$8,914$7,387$6,097$4,409
18 years$11,956$9,893$8,137$6,657$5,421$3,830
19 years$11,208$9,169$7,449$6,015$4,832$3,335
20 years$10,536$8,520$6,837$5,448$4,316$2,908
21 years$9,929$7,936$6,288$4,945$3,862$2,540
22 years$9,377$7,408$5,796$4,496$3,462$2,221
23 years$8,875$6,929$5,351$4,094$3,108$1,945
24 years$8,415$6,492$4,949$3,734$2,793$1,705
25 years$7,992$6,092$4,584$3,410$2,514$1,495
26 years$7,603$5,726$4,251$3,118$2,264$1,313
27 years$7,243$5,389$3,948$2,854$2,041$1,153
28 years$6,909$5,078$3,670$2,615$1,842$1,014
29 years$6,599$4,790$3,415$2,398$1,663$891
30 years$6,310$4,524$3,181$2,201$1,503$784
31 years$6,041$4,276$2,966$2,021$1,359$690
32 years$5,788$4,046$2,767$1,858$1,229$608
33 years$5,552$3,832$2,584$1,708$1,112$535
34 years$5,329$3,632$2,414$1,572$1,007$471
35 years$5,120$3,445$2,257$1,447$912$415
36 years$4,924$3,270$2,111$1,333$826$366
37 years$4,738$3,105$1,976$1,228$749$323
38 years$4,562$2,951$1,850$1,132$679$284
39 years$4,396$2,806$1,734$1,043$616$251
40 years$4,238$2,670$1,625$962$559$221
41 years$4,089$2,542$1,524$888$507$195
42 years$3,947$2,420$1,429$819$460$172
43 years$3,812$2,306$1,341$756$417$152
44 years$3,683$2,198$1,259$698$379$134
45 years$3,561$2,096$1,182$645$344$118
46 years$3,444$2,000$1,110$596$312$104
47 years$3,333$1,908$1,043$550$283$92
48 years$3,226$1,822$980$509$257$81
49 years$3,124$1,740$921$470$234$72
50 years$3,027$1,662$866$435$212$63

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 $2,293 every year, while hoping to spend $56,505 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: 55/30/15 Blend
51$3,100,000$3,100,000$3,100,000$3,100,000
52$3,418,565$3,254,265$3,206,215$3,592,974
53$3,707,138$3,353,603$3,253,503$3,811,208
54$4,023,251$3,455,915$3,300,480$4,042,428
55$4,369,655$3,561,287$3,347,078$4,292,916
56$4,749,377$3,669,807$3,393,222$4,564,523
57$5,165,751$3,781,566$3,438,833$4,859,287
58$5,622,452$3,896,657$3,483,829$5,179,450
59$6,123,525$4,015,176$3,528,120$5,527,483
60$6,673,427$4,137,222$3,571,614$5,906,101
61$7,277,065$4,262,894$3,614,212$6,318,298
62$7,939,848$4,392,298$3,655,810$6,767,366
63$8,667,730$4,525,538$3,696,297$7,256,933
64$9,467,275$4,662,726$3,735,559$7,790,992
65$10,345,708$4,803,971$3,773,472$8,373,940
66$11,310,995$4,949,390$3,809,908$9,010,620
67$12,371,907$5,099,100$3,844,730$9,706,366
68$13,538,108$5,253,223$3,877,795$10,467,050
69$14,820,245$5,411,881$3,908,952$11,299,143
70$16,230,051$5,575,204$3,938,042$12,209,769
71$17,780,448$5,743,321$3,964,898$13,206,778
72$19,485,675$5,916,365$3,989,344$14,298,814
73$21,361,423$6,094,476$4,011,196$15,495,402
74$23,424,974$6,277,792$4,030,257$16,807,032
75$25,695,376$6,466,458$4,046,325$18,245,262
76$28,193,612$6,660,622$4,059,185$19,822,824
77$30,942,803$6,860,435$4,068,610$21,553,745
78$33,968,426$7,066,053$4,074,365$23,453,476
79$37,298,549$7,277,633$4,076,200$25,539,045
80$40,964,104$7,495,340$4,073,855$27,829,208
81$44,999,169$7,719,338$4,067,057$30,344,631
82$49,441,299$7,949,800$4,055,517$33,108,086
83$54,331,870$8,186,899$4,038,936$36,144,658
84$59,716,478$8,430,814$4,016,997$39,481,992
85$65,645,362$8,681,728$3,989,370$43,150,544
86$72,173,884$8,939,827$3,955,709$47,183,874
87$79,363,044$9,205,303$3,915,650$51,618,959
88$87,280,063$9,478,351$3,868,812$56,496,544
89$95,999,010$9,759,171$3,814,798$61,861,523
90$105,601,506$10,047,968$3,753,191$67,763,368
91$116,177,491$10,344,949$3,683,554$74,256,589
92$127,826,071$10,650,328$3,605,429$81,401,252
93$140,656,459$10,964,323$3,518,340$89,263,545
94$154,788,999$11,287,155$3,421,785$97,916,401
95$170,356,303$11,619,052$3,315,241$107,440,187
96$187,504,506$11,960,246$3,198,161$117,923,464
97$206,394,638$12,310,971$3,069,973$129,463,819
98$227,204,152$12,671,469$2,930,077$142,168,789
99$250,128,589$13,041,984$2,777,849$156,156,872
100$275,383,432$13,422,769$2,612,634$171,558,651