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%15.2%
1 years$255,995$253,715$251,490$249,319$247,198$241,911
2 years$126,730$124,370$122,083$119,865$117,714$112,412
3 years$83,648$81,277$78,996$76,799$74,682$69,532
4 years$62,110$59,747$57,489$55,329$53,264$48,306
5 years$49,192$46,843$44,613$42,498$40,490$35,737
6 years$40,582$38,251$36,054$33,986$32,039$27,496
7 years$34,434$32,123$29,961$27,942$26,056$21,725
8 years$29,826$27,535$25,410$23,440$21,616$17,494
9 years$26,243$23,974$21,885$19,965$18,204$14,289
10 years$23,379$21,132$19,080$17,210$15,511$11,799
11 years$21,037$18,813$16,798$14,978$13,340$9,826
12 years$19,087$16,885$14,908$13,138$11,560$8,239
13 years$17,438$15,259$13,319$11,599$10,080$6,947
14 years$16,026$13,870$11,967$10,296$8,836$5,883
15 years$14,803$12,671$10,805$9,182$7,780$5,001
16 years$13,734$11,625$9,796$8,222$6,876$4,265
17 years$12,792$10,706$8,914$7,387$6,097$3,646
18 years$11,956$9,893$8,137$6,657$5,421$3,124
19 years$11,208$9,169$7,449$6,015$4,832$2,682
20 years$10,536$8,520$6,837$5,448$4,316$2,306
21 years$9,929$7,936$6,288$4,945$3,862$1,985
22 years$9,377$7,408$5,796$4,496$3,462$1,711
23 years$8,875$6,929$5,351$4,094$3,108$1,476
24 years$8,415$6,492$4,949$3,734$2,793$1,275
25 years$7,992$6,092$4,584$3,410$2,514$1,102
26 years$7,603$5,726$4,251$3,118$2,264$952
27 years$7,243$5,389$3,948$2,854$2,041$824
28 years$6,909$5,078$3,670$2,615$1,842$713
29 years$6,599$4,790$3,415$2,398$1,663$617
30 years$6,310$4,524$3,181$2,201$1,503$535
31 years$6,041$4,276$2,966$2,021$1,359$463
32 years$5,788$4,046$2,767$1,858$1,229$402
33 years$5,552$3,832$2,584$1,708$1,112$348
34 years$5,329$3,632$2,414$1,572$1,007$302
35 years$5,120$3,445$2,257$1,447$912$262
36 years$4,924$3,270$2,111$1,333$826$227
37 years$4,738$3,105$1,976$1,228$749$197
38 years$4,562$2,951$1,850$1,132$679$171
39 years$4,396$2,806$1,734$1,043$616$148
40 years$4,238$2,670$1,625$962$559$129
41 years$4,089$2,542$1,524$888$507$111
42 years$3,947$2,420$1,429$819$460$97
43 years$3,812$2,306$1,341$756$417$84
44 years$3,683$2,198$1,259$698$379$73
45 years$3,561$2,096$1,182$645$344$63
46 years$3,444$2,000$1,110$596$312$55
47 years$3,333$1,908$1,043$550$283$48
48 years$3,226$1,822$980$509$257$41
49 years$3,124$1,740$921$470$234$36
50 years$3,027$1,662$866$435$212$31

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 $5,860 every year, while hoping to spend $54,661 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: 73/11/16 Blend
51$3,100,000$3,100,000$3,100,000$3,100,000
52$3,422,245$3,257,945$3,209,895$3,659,266
53$3,713,155$3,359,425$3,259,267$3,918,637
54$4,031,906$3,464,046$3,308,462$4,195,422
55$4,381,279$3,571,904$3,357,415$4,497,181
56$4,764,340$3,683,097$3,406,058$4,826,378
57$5,184,462$3,797,728$3,454,321$5,185,729
58$5,645,363$3,915,903$3,502,126$5,578,223
59$6,151,136$4,037,728$3,549,393$6,007,153
60$6,706,292$4,163,316$3,596,038$6,476,146
61$7,315,797$4,292,782$3,641,968$6,989,197
62$7,985,123$4,426,244$3,687,090$7,550,705
63$8,720,299$4,563,823$3,731,301$8,165,517
64$9,527,965$4,705,646$3,774,495$8,838,973
65$10,415,437$4,851,841$3,816,559$9,576,952
66$11,390,772$5,002,542$3,857,374$10,385,935
67$12,462,849$5,157,886$3,896,815$11,273,060
68$13,641,450$5,318,013$3,934,749$12,246,188
69$14,937,352$5,483,069$3,971,037$13,313,984
70$16,362,426$5,653,204$4,005,531$14,485,991
71$17,929,754$5,828,571$4,038,077$15,772,726
72$19,653,748$6,009,330$4,068,511$17,185,773
73$21,550,287$6,195,644$4,096,663$18,737,898
74$23,636,866$6,387,680$4,122,351$20,443,165
75$25,932,763$6,585,613$4,145,386$22,317,070
76$28,459,216$6,789,619$4,165,568$24,376,687
77$31,239,629$6,999,883$4,182,687$26,640,829
78$34,299,787$7,216,594$4,196,523$29,130,227
79$37,668,104$7,439,946$4,206,846$31,867,722
80$41,375,886$7,670,138$4,213,410$34,878,481
81$45,457,629$7,907,378$4,215,962$38,190,238
82$49,951,344$8,151,876$4,214,234$41,833,551
83$54,898,915$8,403,852$4,207,944$45,842,093
84$60,346,493$8,663,529$4,196,799$50,252,968
85$66,344,932$8,931,139$4,180,488$55,107,063
86$72,950,270$9,206,919$4,158,689$60,449,432
87$80,224,253$9,491,115$4,131,062$66,329,720
88$88,234,925$9,783,977$4,097,250$72,802,635
89$97,057,261$10,085,765$4,056,881$79,928,462
90$106,773,879$10,396,745$4,009,565$87,773,629
91$117,475,821$10,717,192$3,954,891$96,411,341
92$129,263,408$11,047,388$3,892,434$105,922,264
93$142,247,188$11,387,622$3,821,742$116,395,289
94$156,548,980$11,738,194$3,742,349$127,928,372
95$172,303,020$12,099,410$3,653,762$140,629,455
96$189,657,233$12,471,586$3,555,468$154,617,491
97$208,774,623$12,855,046$3,446,929$170,023,559
98$229,834,817$13,250,125$3,327,583$186,992,106
99$253,035,753$13,657,167$3,196,842$205,682,311
100$278,595,555$14,076,523$3,054,092$226,269,584