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%13.1%
1 years$255,995$253,715$251,490$249,319$247,198$244,008
2 years$126,730$124,370$122,083$119,865$117,714$114,504
3 years$83,648$81,277$78,996$76,799$74,682$71,553
4 years$62,110$59,747$57,489$55,329$53,264$50,240
5 years$49,192$46,843$44,613$42,498$40,490$37,579
6 years$40,582$38,251$36,054$33,986$32,039$29,244
7 years$34,434$32,123$29,961$27,942$26,056$23,380
8 years$29,826$27,535$25,410$23,440$21,616$19,057
9 years$26,243$23,974$21,885$19,965$18,204$15,761
10 years$23,379$21,132$19,080$17,210$15,511$13,183
11 years$21,037$18,813$16,798$14,978$13,340$11,125
12 years$19,087$16,885$14,908$13,138$11,560$9,455
13 years$17,438$15,259$13,319$11,599$10,080$8,083
14 years$16,026$13,870$11,967$10,296$8,836$6,943
15 years$14,803$12,671$10,805$9,182$7,780$5,988
16 years$13,734$11,625$9,796$8,222$6,876$5,182
17 years$12,792$10,706$8,914$7,387$6,097$4,498
18 years$11,956$9,893$8,137$6,657$5,421$3,913
19 years$11,208$9,169$7,449$6,015$4,832$3,411
20 years$10,536$8,520$6,837$5,448$4,316$2,979
21 years$9,929$7,936$6,288$4,945$3,862$2,606
22 years$9,377$7,408$5,796$4,496$3,462$2,283
23 years$8,875$6,929$5,351$4,094$3,108$2,002
24 years$8,415$6,492$4,949$3,734$2,793$1,757
25 years$7,992$6,092$4,584$3,410$2,514$1,544
26 years$7,603$5,726$4,251$3,118$2,264$1,357
27 years$7,243$5,389$3,948$2,854$2,041$1,194
28 years$6,909$5,078$3,670$2,615$1,842$1,051
29 years$6,599$4,790$3,415$2,398$1,663$926
30 years$6,310$4,524$3,181$2,201$1,503$816
31 years$6,041$4,276$2,966$2,021$1,359$719
32 years$5,788$4,046$2,767$1,858$1,229$634
33 years$5,552$3,832$2,584$1,708$1,112$560
34 years$5,329$3,632$2,414$1,572$1,007$494
35 years$5,120$3,445$2,257$1,447$912$436
36 years$4,924$3,270$2,111$1,333$826$385
37 years$4,738$3,105$1,976$1,228$749$340
38 years$4,562$2,951$1,850$1,132$679$300
39 years$4,396$2,806$1,734$1,043$616$265
40 years$4,238$2,670$1,625$962$559$234
41 years$4,089$2,542$1,524$888$507$207
42 years$3,947$2,420$1,429$819$460$183
43 years$3,812$2,306$1,341$756$417$161
44 years$3,683$2,198$1,259$698$379$143
45 years$3,561$2,096$1,182$645$344$126
46 years$3,444$2,000$1,110$596$312$111
47 years$3,333$1,908$1,043$550$283$98
48 years$3,226$1,822$980$509$257$87
49 years$3,124$1,740$921$470$234$77
50 years$3,027$1,662$866$435$212$68

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 $2,251 every year, while hoping to spend $35,546 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: 65/11/24 Blend
51$3,100,000$3,100,000$3,100,000$3,100,000
52$3,418,522$3,254,222$3,206,172$3,619,266
53$3,729,390$3,375,858$3,275,758$3,876,437
54$4,070,776$3,502,263$3,346,484$4,153,195
55$4,445,755$3,633,633$3,418,350$4,454,875
56$4,857,713$3,770,173$3,491,356$4,783,926
57$5,310,384$3,912,095$3,565,501$5,143,045
58$5,807,878$4,059,623$3,640,780$5,535,203
59$6,354,726$4,212,989$3,717,191$5,963,671
60$6,955,917$4,372,434$3,794,726$6,432,049
61$7,616,949$4,538,212$3,873,378$6,944,302
62$8,343,880$4,710,587$3,953,138$7,504,799
63$9,143,383$4,889,833$4,033,995$8,118,347
64$10,022,811$5,076,237$4,115,937$8,790,245
65$10,990,264$5,270,100$4,198,947$9,526,325
66$12,054,670$5,471,733$4,283,010$10,333,014
67$13,225,861$5,681,463$4,368,107$11,217,389
68$14,514,676$5,899,631$4,454,215$12,187,246
69$15,933,052$6,126,592$4,541,310$13,251,172
70$17,494,145$6,362,718$4,629,366$14,418,627
71$19,212,452$6,608,395$4,718,354$15,700,032
72$21,103,944$6,864,028$4,808,241$17,106,867
73$23,186,221$7,130,040$4,898,991$18,651,778
74$25,478,674$7,406,871$4,990,566$20,348,697
75$28,002,673$7,694,981$5,082,924$22,212,973
76$30,781,763$7,994,852$5,176,019$24,261,516
77$33,841,889$8,306,986$5,269,802$26,512,957
78$37,211,639$8,631,906$5,364,218$28,987,821
79$40,922,517$8,970,161$5,459,211$31,708,722
80$45,009,237$9,322,321$5,554,717$34,700,578
81$49,510,049$9,688,985$5,650,670$37,990,839
82$54,467,106$10,070,777$5,746,999$41,609,753
83$59,926,853$10,468,348$5,843,626$45,590,646
84$65,940,474$10,882,379$5,940,470$49,970,240
85$72,564,368$11,313,581$6,037,441$54,788,993
86$79,860,686$11,762,699$6,134,448$60,091,487
87$87,897,913$12,230,508$6,231,388$65,926,842
88$96,751,517$12,717,820$6,328,157$72,349,185
89$106,504,661$13,225,482$6,424,639$79,418,154
90$117,248,987$13,754,382$6,520,716$87,199,466
91$129,085,482$14,305,444$6,616,257$95,765,531
92$142,125,427$14,879,637$6,711,128$105,196,141
93$156,491,454$15,477,972$6,805,184$115,579,215
94$172,318,696$16,101,507$6,898,271$127,011,636
95$189,756,067$16,751,345$6,990,228$139,600,158
96$208,967,668$17,428,643$7,080,883$153,462,417
97$230,134,332$18,134,608$7,170,054$168,728,037
98$253,455,331$18,870,502$7,257,549$185,539,858
99$279,150,263$19,637,645$7,343,164$204,055,278
100$307,461,116$20,437,415$7,426,687$224,447,740