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

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 $3,300,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.1%
1 years$272,511$270,084$267,715$265,404$263,147$261,928
2 years$134,906$132,394$129,959$127,598$125,308$124,078
3 years$89,044$86,521$84,092$81,753$79,500$78,297
4 years$66,118$63,602$61,197$58,899$56,700$55,533
5 years$52,365$49,865$47,492$45,240$43,103$41,974
6 years$43,200$40,718$38,380$36,179$34,106$33,018
7 years$36,656$34,195$31,894$29,744$27,737$26,691
8 years$31,750$29,312$27,049$24,952$23,011$22,006
9 years$27,937$25,521$23,297$21,253$19,378$18,415
10 years$24,887$22,496$20,311$18,321$16,511$15,588
11 years$22,394$20,026$17,881$15,944$14,200$13,318
12 years$20,318$17,975$15,869$13,985$12,306$11,462
13 years$18,563$16,244$14,178$12,347$10,731$9,926
14 years$17,060$14,765$12,739$10,960$9,406$8,640
15 years$15,758$13,488$11,502$9,775$8,282$7,552
16 years$14,620$12,375$10,428$8,752$7,320$6,626
17 years$13,617$11,397$9,489$7,864$6,490$5,831
18 years$12,727$10,531$8,662$7,087$5,771$5,145
19 years$11,931$9,760$7,930$6,404$5,144$4,551
20 years$11,216$9,070$7,278$5,800$4,594$4,033
21 years$10,569$8,448$6,694$5,264$4,112$3,581
22 years$9,982$7,886$6,170$4,786$3,685$3,184
23 years$9,447$7,376$5,697$4,359$3,308$2,835
24 years$8,958$6,911$5,268$3,975$2,973$2,527
25 years$8,508$6,485$4,880$3,630$2,676$2,255
26 years$8,093$6,095$4,526$3,319$2,410$2,014
27 years$7,710$5,736$4,202$3,038$2,173$1,800
28 years$7,355$5,405$3,907$2,784$1,961$1,610
29 years$7,025$5,099$3,635$2,553$1,770$1,441
30 years$6,717$4,816$3,386$2,343$1,600$1,291
31 years$6,430$4,552$3,157$2,152$1,446$1,157
32 years$6,162$4,307$2,945$1,977$1,308$1,037
33 years$5,910$4,079$2,750$1,818$1,184$930
34 years$5,673$3,866$2,570$1,673$1,072$835
35 years$5,451$3,667$2,402$1,540$971$749
36 years$5,241$3,481$2,247$1,418$880$673
37 years$5,043$3,306$2,104$1,307$797$604
38 years$4,856$3,142$1,970$1,205$723$542
39 years$4,679$2,987$1,846$1,111$655$487
40 years$4,512$2,842$1,730$1,025$595$438
41 years$4,353$2,706$1,622$945$539$394
42 years$4,201$2,577$1,522$872$489$354
43 years$4,058$2,455$1,428$805$444$318
44 years$3,921$2,340$1,340$744$403$286
45 years$3,791$2,232$1,258$687$366$257
46 years$3,666$2,129$1,182$634$332$231
47 years$3,548$2,032$1,110$586$302$208
48 years$3,434$1,939$1,043$541$274$187
49 years$3,326$1,852$981$500$249$168
50 years$3,222$1,769$922$463$226$151

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 $6,394 every year, while hoping to spend $55,834 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: 28/49/23 Blend
51$3,300,000$3,300,000$3,300,000$3,300,000
52$3,643,195$3,468,295$3,417,145$3,718,758
53$3,955,394$3,578,835$3,472,213$3,888,977
54$4,297,566$3,692,920$3,527,254$4,066,394
55$4,672,710$3,810,664$3,582,208$4,255,849
56$5,084,126$3,932,187$3,637,013$4,458,407
57$5,535,454$4,057,611$3,691,599$4,675,237
58$6,030,698$4,187,062$3,745,896$4,907,624
59$6,574,272$4,320,671$3,799,826$5,156,976
60$7,171,037$4,458,573$3,853,309$5,424,846
61$7,826,347$4,600,907$3,906,259$5,712,936
62$8,546,100$4,747,816$3,958,584$6,023,119
63$9,336,794$4,899,451$4,010,188$6,357,453
64$10,205,586$5,055,964$4,060,970$6,718,201
65$11,160,364$5,217,514$4,110,820$7,107,854
66$12,209,814$5,384,265$4,159,625$7,529,149
67$13,363,507$5,556,386$4,207,265$7,985,097
68$14,631,988$5,734,053$4,253,612$8,479,013
69$16,026,875$5,917,445$4,298,531$9,014,542
70$17,560,966$6,106,749$4,341,882$9,595,696
71$19,248,364$6,302,160$4,383,514$10,226,889
72$21,104,606$6,503,875$4,423,271$10,912,982
73$23,146,811$6,712,100$4,460,986$11,659,324
74$25,393,842$6,927,049$4,496,486$12,471,802
75$27,866,481$7,148,941$4,529,585$13,356,898
76$30,587,626$7,378,004$4,560,090$14,321,750
77$33,582,510$7,614,472$4,587,799$15,374,214
78$36,878,932$7,858,588$4,612,497$16,522,945
79$40,507,527$8,110,601$4,633,958$17,777,468
80$44,502,046$8,370,773$4,651,948$19,148,276
81$48,899,684$8,639,369$4,666,217$20,646,925
82$53,741,420$8,916,667$4,676,504$22,286,139
83$59,072,414$9,202,953$4,682,536$24,079,936
84$64,942,425$9,498,522$4,684,025$26,043,751
85$71,406,282$9,803,679$4,680,670$28,194,591
86$78,524,404$10,118,741$4,672,154$30,551,183
87$86,363,367$10,444,033$4,658,145$33,134,161
88$94,996,533$10,779,893$4,638,295$35,966,251
89$104,504,740$11,126,669$4,612,239$39,072,490
90$114,977,070$11,484,722$4,579,595$42,480,460
91$126,511,682$11,854,424$4,539,962$46,220,545
92$139,216,743$12,236,161$4,492,921$50,326,220
93$153,211,448$12,630,330$4,438,031$54,834,363
94$168,627,143$13,037,343$4,374,832$59,785,606
95$185,608,565$13,457,626$4,302,842$65,224,713
96$204,315,207$13,891,618$4,221,555$71,201,004
97$224,922,826$14,339,775$4,130,445$77,768,818
98$247,625,097$14,802,567$4,028,958$84,988,028
99$272,635,444$15,280,480$3,916,515$92,924,600
100$300,189,053$15,774,017$3,792,513$101,651,219