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

Use the below retirement simulation to view the chances of a successful retirement.
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%15.1%
1 years$255,995$253,715$251,490$249,319$247,198$242,009
2 years$126,730$124,370$122,083$119,865$117,714$112,510
3 years$83,648$81,277$78,996$76,799$74,682$69,627
4 years$62,110$59,747$57,489$55,329$53,264$48,396
5 years$49,192$46,843$44,613$42,498$40,490$35,823
6 years$40,582$38,251$36,054$33,986$32,039$27,577
7 years$34,434$32,123$29,961$27,942$26,056$21,801
8 years$29,826$27,535$25,410$23,440$21,616$17,566
9 years$26,243$23,974$21,885$19,965$18,204$14,356
10 years$23,379$21,132$19,080$17,210$15,511$11,861
11 years$21,037$18,813$16,798$14,978$13,340$9,884
12 years$19,087$16,885$14,908$13,138$11,560$8,293
13 years$17,438$15,259$13,319$11,599$10,080$6,997
14 years$16,026$13,870$11,967$10,296$8,836$5,930
15 years$14,803$12,671$10,805$9,182$7,780$5,045
16 years$13,734$11,625$9,796$8,222$6,876$4,305
17 years$12,792$10,706$8,914$7,387$6,097$3,683
18 years$11,956$9,893$8,137$6,657$5,421$3,158
19 years$11,208$9,169$7,449$6,015$4,832$2,713
20 years$10,536$8,520$6,837$5,448$4,316$2,335
21 years$9,929$7,936$6,288$4,945$3,862$2,011
22 years$9,377$7,408$5,796$4,496$3,462$1,735
23 years$8,875$6,929$5,351$4,094$3,108$1,498
24 years$8,415$6,492$4,949$3,734$2,793$1,295
25 years$7,992$6,092$4,584$3,410$2,514$1,120
26 years$7,603$5,726$4,251$3,118$2,264$969
27 years$7,243$5,389$3,948$2,854$2,041$839
28 years$6,909$5,078$3,670$2,615$1,842$727
29 years$6,599$4,790$3,415$2,398$1,663$630
30 years$6,310$4,524$3,181$2,201$1,503$546
31 years$6,041$4,276$2,966$2,021$1,359$473
32 years$5,788$4,046$2,767$1,858$1,229$410
33 years$5,552$3,832$2,584$1,708$1,112$356
34 years$5,329$3,632$2,414$1,572$1,007$309
35 years$5,120$3,445$2,257$1,447$912$268
36 years$4,924$3,270$2,111$1,333$826$233
37 years$4,738$3,105$1,976$1,228$749$202
38 years$4,562$2,951$1,850$1,132$679$175
39 years$4,396$2,806$1,734$1,043$616$152
40 years$4,238$2,670$1,625$962$559$132
41 years$4,089$2,542$1,524$888$507$115
42 years$3,947$2,420$1,429$819$460$100
43 years$3,812$2,306$1,341$756$417$87
44 years$3,683$2,198$1,259$698$379$75
45 years$3,561$2,096$1,182$645$344$65
46 years$3,444$2,000$1,110$596$312$57
47 years$3,333$1,908$1,043$550$283$49
48 years$3,226$1,822$980$509$257$43
49 years$3,124$1,740$921$470$234$37
50 years$3,027$1,662$866$435$212$32

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 $2,652 every year, while hoping to spend $22,509 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: 54/24/22 Blend
51$3,100,000$3,100,000$3,100,000$3,100,000
52$3,418,936$3,254,636$3,206,586$3,582,806
53$3,743,718$3,390,163$3,290,057$3,831,156
54$4,100,873$3,531,577$3,375,570$4,098,794
55$4,493,680$3,679,143$3,463,169$4,389,672
56$4,925,751$3,833,136$3,552,901$4,706,020
57$5,401,065$3,993,847$3,644,811$5,050,289
58$5,924,007$4,161,579$3,738,945$5,425,176
59$6,499,408$4,336,649$3,835,352$5,833,647
60$7,132,591$4,519,388$3,934,080$6,278,963
61$7,829,421$4,710,145$4,035,178$6,764,714
62$8,596,362$4,909,281$4,138,696$7,294,849
63$9,440,533$5,117,178$4,244,685$7,873,711
64$10,369,781$5,334,233$4,353,195$8,506,082
65$11,392,751$5,560,863$4,464,279$9,197,223
66$12,518,969$5,797,503$4,577,990$9,952,925
67$13,758,933$6,044,610$4,694,382$10,779,562
68$15,124,208$6,302,660$4,813,508$11,684,149
69$16,627,540$6,572,153$4,935,423$12,674,408
70$18,282,973$6,853,612$5,060,184$13,758,842
71$20,105,982$7,147,585$5,187,846$14,946,810
72$22,113,620$7,454,644$5,318,466$16,248,617
73$24,324,676$7,775,388$5,452,101$17,675,609
74$26,759,858$8,110,447$5,588,811$19,240,279
75$29,441,981$8,460,476$5,728,654$20,956,384
76$32,396,188$8,826,165$5,871,689$22,839,072
77$35,650,184$9,208,232$6,017,976$24,905,025
78$39,234,500$9,607,433$6,167,575$27,172,615
79$43,182,779$10,024,556$6,320,548$29,662,074
80$47,532,092$10,460,429$6,476,956$32,395,686
81$52,323,292$10,915,917$6,636,861$35,397,994
82$57,601,396$11,391,926$6,800,325$38,696,029
83$63,416,013$11,889,405$6,967,410$42,319,564
84$69,821,808$12,409,347$7,138,180$46,301,395
85$76,879,021$12,952,793$7,312,697$50,677,646
86$84,654,034$13,520,834$7,491,026$55,488,108
87$93,220,000$14,114,608$7,673,229$60,776,615
88$102,657,528$14,735,312$7,859,371$66,591,451
89$113,055,450$15,384,197$8,049,514$72,985,809
90$124,511,657$16,062,573$8,243,723$80,018,285
91$137,134,020$16,771,813$8,442,062$87,753,431
92$151,041,412$17,513,355$8,644,593$96,262,364
93$166,364,830$18,288,703$8,851,381$105,623,430
94$183,248,627$19,099,434$9,062,487$115,922,943
95$201,851,882$19,947,201$9,277,975$127,255,997
96$222,349,893$20,833,733$9,497,907$139,727,358
97$244,935,839$21,760,843$9,722,343$153,452,455
98$269,822,598$22,730,428$9,951,345$168,558,457
99$297,244,761$23,744,476$10,184,973$185,185,481
100$327,460,842$24,805,071$10,423,286$203,487,900