Can I retire at age 52 with 3,300,000?

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 $3,300,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.7%
1 years$272,511$270,084$267,715$265,404$263,147$253,911
2 years$134,906$132,394$129,959$127,598$125,308$116,100
3 years$89,044$86,521$84,092$81,753$79,500$70,610
4 years$66,118$63,602$61,197$58,899$56,700$48,195
5 years$52,365$49,865$47,492$45,240$43,103$35,005
6 years$43,200$40,718$38,380$36,179$34,106$26,421
7 years$36,656$34,195$31,894$29,744$27,737$20,465
8 years$31,750$29,312$27,049$24,952$23,011$16,145
9 years$27,937$25,521$23,297$21,253$19,378$12,910
10 years$24,887$22,496$20,311$18,321$16,511$10,429
11 years$22,394$20,026$17,881$15,944$14,200$8,492
12 years$20,318$17,975$15,869$13,985$12,306$6,958
13 years$18,563$16,244$14,178$12,347$10,731$5,730
14 years$17,060$14,765$12,739$10,960$9,406$4,737
15 years$15,758$13,488$11,502$9,775$8,282$3,929
16 years$14,620$12,375$10,428$8,752$7,320$3,267
17 years$13,617$11,397$9,489$7,864$6,490$2,723
18 years$12,727$10,531$8,662$7,087$5,771$2,274
19 years$11,931$9,760$7,930$6,404$5,144$1,901
20 years$11,216$9,070$7,278$5,800$4,594$1,592
21 years$10,569$8,448$6,694$5,264$4,112$1,334
22 years$9,982$7,886$6,170$4,786$3,685$1,119
23 years$9,447$7,376$5,697$4,359$3,308$939
24 years$8,958$6,911$5,268$3,975$2,973$789
25 years$8,508$6,485$4,880$3,630$2,676$663
26 years$8,093$6,095$4,526$3,319$2,410$557
27 years$7,710$5,736$4,202$3,038$2,173$468
28 years$7,355$5,405$3,907$2,784$1,961$394
29 years$7,025$5,099$3,635$2,553$1,770$331
30 years$6,717$4,816$3,386$2,343$1,600$279
31 years$6,430$4,552$3,157$2,152$1,446$235
32 years$6,162$4,307$2,945$1,977$1,308$198
33 years$5,910$4,079$2,750$1,818$1,184$166
34 years$5,673$3,866$2,570$1,673$1,072$140
35 years$5,451$3,667$2,402$1,540$971$118
36 years$5,241$3,481$2,247$1,418$880$99
37 years$5,043$3,306$2,104$1,307$797$84
38 years$4,856$3,142$1,970$1,205$723$70
39 years$4,679$2,987$1,846$1,111$655$59
40 years$4,512$2,842$1,730$1,025$595$50
41 years$4,353$2,706$1,622$945$539$42
42 years$4,201$2,577$1,522$872$489$35
43 years$4,058$2,455$1,428$805$444$30
44 years$3,921$2,340$1,340$744$403$25
45 years$3,791$2,232$1,258$687$366$21
46 years$3,666$2,129$1,182$634$332$18
47 years$3,548$2,032$1,110$586$302$15
48 years$3,434$1,939$1,043$541$274$13
49 years$3,326$1,852$981$500$249$11
50 years$3,222$1,769$922$463$226$9

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $3,300,000, adding $5,401 every year, while hoping to spend $50,777 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: 25/45/30 Blend
51$3,300,000$3,300,000$3,300,000$3,300,000
52$3,642,171$3,467,271$3,416,121$3,698,991
53$3,959,646$3,583,141$3,476,535$3,863,316
54$4,307,802$3,702,987$3,537,271$4,034,735
55$4,689,714$3,826,950$3,598,286$4,217,487
56$5,108,771$3,955,176$3,659,534$4,412,561
57$5,568,703$4,087,817$3,720,966$4,621,040
58$6,073,622$4,225,032$3,782,530$4,844,116
59$6,628,056$4,366,982$3,844,168$5,083,096
60$7,236,991$4,513,838$3,905,822$5,339,415
61$7,905,924$4,665,776$3,967,427$5,614,651
62$8,640,907$4,822,978$4,028,914$5,910,535
63$9,448,608$4,985,632$4,090,212$6,228,973
64$10,336,375$5,153,937$4,151,242$6,572,057
65$11,312,299$5,328,094$4,211,923$6,942,087
66$12,385,299$5,508,316$4,272,168$7,341,593
67$13,565,198$5,694,821$4,331,884$7,773,357
68$14,862,819$5,887,839$4,390,973$8,240,437
69$16,290,088$6,087,604$4,449,332$8,746,199
70$17,860,143$6,294,363$4,506,850$9,294,345
71$19,587,460$6,508,369$4,563,412$9,888,945
72$21,487,990$6,729,888$4,618,895$10,534,483
73$23,579,305$6,959,193$4,673,169$11,235,888
74$25,880,771$7,196,570$4,726,096$11,998,588
75$28,413,721$7,442,314$4,777,533$12,828,555
76$31,201,666$7,696,732$4,827,325$13,732,364
77$34,270,508$7,960,144$4,875,313$14,717,253
78$37,648,790$8,232,881$4,921,325$15,791,187
79$41,367,961$8,515,287$4,965,184$16,962,939
80$45,462,675$8,807,718$5,006,700$18,242,167
81$49,971,119$9,110,547$5,045,676$19,639,505
82$54,935,369$9,424,160$5,081,901$21,166,662
83$60,401,788$9,748,956$5,115,157$22,836,532
84$66,421,467$10,085,351$5,145,212$24,663,316
85$73,050,703$10,433,779$5,171,822$26,662,653
86$80,351,529$10,794,689$5,194,733$28,851,766
87$88,392,304$11,168,548$5,213,675$31,249,625
88$97,248,353$11,555,840$5,228,367$33,877,125
89$107,002,679$11,957,071$5,238,512$36,757,278
90$117,746,750$12,372,764$5,243,799$39,915,437
91$129,581,354$12,803,466$5,243,902$43,379,523
92$142,617,557$13,249,741$5,238,478$47,180,298
93$156,977,749$13,712,179$5,227,168$51,351,647
94$172,796,796$14,191,392$5,209,595$55,930,897
95$190,223,316$14,688,018$5,185,363$60,959,173
96$209,421,081$15,202,717$5,154,059$66,481,775
97$230,570,560$15,736,179$5,115,249$72,548,616
98$253,870,624$16,289,119$5,068,477$79,214,681
99$279,540,424$16,862,282$5,013,267$86,540,551
100$307,821,456$17,456,442$4,949,120$94,592,968