Can I retire at age 52 with 3,200,000?

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 $3,200,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.1%
1 years$264,253$261,899$259,603$257,361$255,172$253,990
2 years$130,818$128,382$126,021$123,731$121,511$120,318
3 years$86,346$83,899$81,544$79,276$77,091$75,924
4 years$64,114$61,675$59,343$57,114$54,982$53,850
5 years$50,778$48,354$46,053$43,869$41,797$40,702
6 years$41,891$39,484$37,217$35,082$33,072$32,018
7 years$35,545$33,159$30,928$28,843$26,897$25,882
8 years$30,788$28,423$26,229$24,196$22,313$21,339
9 years$27,090$24,748$22,591$20,609$18,791$17,857
10 years$24,133$21,814$19,696$17,766$16,011$15,116
11 years$21,716$19,420$17,340$15,461$13,770$12,914
12 years$19,703$17,430$15,388$13,562$11,933$11,115
13 years$18,000$15,752$13,749$11,973$10,406$9,625
14 years$16,543$14,318$12,353$10,628$9,121$8,378
15 years$15,281$13,080$11,153$9,478$8,031$7,323
16 years$14,177$12,000$10,112$8,487$7,098$6,425
17 years$13,205$11,052$9,202$7,625$6,294$5,654
18 years$12,341$10,212$8,400$6,872$5,596$4,989
19 years$11,569$9,465$7,690$6,210$4,988$4,413
20 years$10,876$8,795$7,057$5,624$4,455$3,911
21 years$10,249$8,192$6,491$5,104$3,987$3,472
22 years$9,680$7,647$5,983$4,641$3,574$3,087
23 years$9,161$7,152$5,524$4,226$3,208$2,749
24 years$8,686$6,701$5,109$3,855$2,883$2,450
25 years$8,250$6,289$4,732$3,520$2,595$2,186
26 years$7,848$5,910$4,388$3,219$2,337$1,953
27 years$7,477$5,562$4,075$2,946$2,107$1,746
28 years$7,132$5,241$3,788$2,699$1,901$1,562
29 years$6,812$4,945$3,525$2,475$1,717$1,398
30 years$6,514$4,670$3,284$2,272$1,551$1,252
31 years$6,235$4,414$3,061$2,087$1,402$1,122
32 years$5,975$4,177$2,856$1,918$1,269$1,006
33 years$5,731$3,956$2,667$1,763$1,148$902
34 years$5,501$3,749$2,492$1,622$1,039$809
35 years$5,286$3,556$2,330$1,494$942$726
36 years$5,082$3,375$2,179$1,376$853$652
37 years$4,890$3,206$2,040$1,267$773$586
38 years$4,709$3,046$1,910$1,168$701$526
39 years$4,538$2,897$1,790$1,077$636$473
40 years$4,375$2,756$1,677$993$577$425
41 years$4,221$2,624$1,573$917$523$382
42 years$4,074$2,499$1,475$846$475$343
43 years$3,935$2,381$1,384$781$431$308
44 years$3,802$2,269$1,300$721$391$277
45 years$3,676$2,164$1,220$666$355$249
46 years$3,555$2,064$1,146$615$322$224
47 years$3,440$1,970$1,077$568$293$202
48 years$3,330$1,881$1,012$525$266$181
49 years$3,225$1,796$951$485$241$163
50 years$3,124$1,715$894$449$219$147

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $3,200,000, adding $4,266 every year, while hoping to spend $20,088 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: 47/31/22 Blend
51$3,200,000$3,200,000$3,200,000$3,200,000
52$3,530,800$3,361,200$3,311,600$3,674,420
53$3,869,569$3,504,526$3,401,166$3,918,671
54$4,242,218$3,654,201$3,493,058$4,181,295
55$4,652,183$3,810,515$3,587,334$4,465,948
56$5,103,248$3,973,773$3,684,052$4,774,704
57$5,599,583$4,144,291$3,783,271$5,109,838
58$6,145,781$4,322,403$3,885,052$5,473,852
59$6,746,906$4,508,456$3,989,457$5,869,495
60$7,408,535$4,702,814$4,096,548$6,299,789
61$8,136,813$4,905,860$4,206,390$6,768,056
62$8,938,513$5,117,992$4,319,049$7,277,947
63$9,821,096$5,339,628$4,434,592$7,833,480
64$10,792,784$5,571,207$4,553,087$8,439,070
65$11,862,638$5,813,186$4,674,605$9,099,576
66$13,040,640$6,066,045$4,799,217$9,820,339
67$14,337,791$6,330,286$4,926,996$10,607,238
68$15,766,211$6,606,436$5,058,017$11,466,739
69$17,339,259$6,895,045$5,192,354$12,405,956
70$19,071,651$7,196,691$5,330,086$13,432,717
71$20,979,607$7,511,976$5,471,291$14,555,638
72$23,080,998$7,841,533$5,616,050$15,784,198
73$25,395,516$8,186,026$5,764,445$17,128,831
74$27,944,864$8,546,146$5,916,559$18,601,022
75$30,752,954$8,922,621$6,072,478$20,213,413
76$33,846,138$9,316,211$6,232,288$21,979,918
77$37,253,451$9,727,713$6,396,077$23,915,856
78$41,006,894$10,157,962$6,563,936$26,038,092
79$45,141,726$10,607,831$6,735,957$28,365,195
80$49,696,803$11,078,235$6,912,232$30,917,609
81$54,714,942$11,570,134$7,092,857$33,717,843
82$60,243,327$12,084,532$7,277,929$36,790,684
83$66,333,952$12,622,480$7,467,545$40,163,428
84$73,044,114$13,185,080$7,661,807$43,866,131
85$80,436,951$13,773,487$7,860,815$47,931,893
86$88,582,042$14,388,909$8,064,674$52,397,170
87$97,556,058$15,032,614$8,273,488$57,302,109
88$107,443,492$15,705,927$8,487,366$62,690,926
89$118,337,450$16,410,239$8,706,414$68,612,324
90$130,340,535$17,147,007$8,930,745$75,119,942
91$143,565,814$17,917,755$9,160,469$82,272,865
92$158,137,884$18,724,081$9,395,702$90,136,171
93$174,194,048$19,567,661$9,636,558$98,781,547
94$191,885,613$20,450,249$9,883,155$108,287,958
95$211,379,317$21,373,682$10,135,611$118,742,388
96$232,858,901$22,339,887$10,394,049$130,240,660
97$256,526,849$23,350,880$10,658,589$142,888,330
98$282,606,291$24,408,777$10,929,355$156,801,684
99$311,343,119$25,515,793$11,206,474$172,108,827
100$343,008,298$26,674,249$11,490,073$188,950,888