Can I retire at age 52 with 3,400,000?

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 $3,400,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.4%
1 years$280,769$278,268$275,828$273,446$271,121$267,290
2 years$138,994$136,406$133,897$131,465$129,105$125,253
3 years$91,743$89,143$86,640$84,231$81,910$78,156
4 years$68,121$65,529$63,052$60,683$58,419$54,792
5 years$53,952$51,376$48,931$46,611$44,409$40,921
6 years$44,509$41,952$39,543$37,275$35,139$31,793
7 years$37,767$35,231$32,861$30,646$28,578$25,375
8 years$32,712$30,200$27,869$25,708$23,708$20,648
9 years$28,783$26,294$24,003$21,897$19,965$17,047
10 years$25,642$23,177$20,926$18,876$17,012$14,232
11 years$23,073$20,633$18,423$16,428$14,631$11,987
12 years$20,934$18,519$16,350$14,409$12,679$10,169
13 years$19,126$16,736$14,608$12,721$11,056$8,676
14 years$17,577$15,213$13,125$11,292$9,692$7,438
15 years$16,236$13,897$11,850$10,071$8,533$6,402
16 years$15,063$12,750$10,744$9,017$7,542$5,529
17 years$14,030$11,742$9,777$8,102$6,687$4,788
18 years$13,112$10,851$8,925$7,302$5,946$4,157
19 years$12,293$10,056$8,170$6,598$5,300$3,616
20 years$11,556$9,345$7,498$5,975$4,734$3,151
21 years$10,890$8,704$6,897$5,423$4,236$2,750
22 years$10,285$8,125$6,357$4,931$3,797$2,403
23 years$9,734$7,599$5,869$4,491$3,408$2,103
24 years$9,229$7,120$5,428$4,096$3,064$1,841
25 years$8,766$6,682$5,027$3,740$2,757$1,614
26 years$8,339$6,280$4,663$3,420$2,483$1,416
27 years$7,944$5,910$4,330$3,130$2,239$1,243
28 years$7,578$5,569$4,025$2,868$2,020$1,091
29 years$7,238$5,254$3,746$2,630$1,824$959
30 years$6,921$4,962$3,489$2,414$1,648$843
31 years$6,625$4,690$3,253$2,217$1,490$741
32 years$6,348$4,438$3,035$2,037$1,348$652
33 years$6,089$4,203$2,834$1,874$1,220$574
34 years$5,845$3,983$2,648$1,724$1,104$505
35 years$5,616$3,778$2,475$1,587$1,000$445
36 years$5,400$3,586$2,316$1,461$906$392
37 years$5,196$3,406$2,167$1,347$821$345
38 years$5,003$3,237$2,030$1,241$745$304
39 years$4,821$3,078$1,901$1,144$675$268
40 years$4,648$2,928$1,782$1,056$613$236
41 years$4,484$2,788$1,671$974$556$208
42 years$4,329$2,655$1,568$899$504$183
43 years$4,181$2,529$1,471$830$458$161
44 years$4,040$2,411$1,381$766$415$142
45 years$3,905$2,299$1,297$707$377$125
46 years$3,777$2,193$1,218$654$342$110
47 years$3,655$2,093$1,144$604$311$97
48 years$3,538$1,998$1,075$558$282$86
49 years$3,426$1,908$1,011$516$256$76
50 years$3,320$1,823$950$477$233$67

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $3,400,000, adding $4,170 every year, while hoping to spend $44,845 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: 46/49/5 Blend
51$3,400,000$3,400,000$3,400,000$3,400,000
52$3,751,101$3,570,901$3,518,201$3,918,478
53$4,085,999$3,698,161$3,588,346$4,161,058
54$4,453,553$3,830,153$3,659,338$4,419,002
55$4,857,047$3,967,062$3,731,158$4,697,738
56$5,300,099$4,109,081$3,803,784$4,999,198
57$5,786,692$4,256,409$3,877,194$5,325,503
58$6,321,216$4,409,255$3,951,362$5,678,984
59$6,908,507$4,567,835$4,026,259$6,062,203
60$7,553,891$4,732,375$4,101,855$6,477,974
61$8,263,236$4,903,110$4,178,116$6,929,391
62$9,043,009$5,080,284$4,255,005$7,419,856
63$9,900,331$5,264,154$4,332,483$7,953,108
64$10,843,050$5,454,983$4,410,507$8,533,261
65$11,879,813$5,653,049$4,489,031$9,164,836
66$13,020,145$5,858,640$4,568,004$9,852,808
67$14,274,542$6,072,055$4,647,374$10,602,649
68$15,654,567$6,293,607$4,727,082$11,420,378
69$17,172,961$6,523,622$4,807,068$12,312,619
70$18,843,762$6,762,438$4,887,264$13,286,660
71$20,682,439$7,010,411$4,967,600$14,350,518
72$22,706,034$7,267,907$5,048,001$15,513,020
73$24,933,326$7,535,311$5,128,386$16,783,878
74$27,385,007$7,813,024$5,208,669$18,173,783
75$30,083,877$8,101,461$5,288,759$19,694,502
76$33,055,058$8,401,058$5,368,558$21,358,988
77$36,326,232$8,712,268$5,447,963$23,181,503
78$39,927,902$9,035,564$5,526,864$25,177,745
79$43,893,679$9,371,437$5,605,144$27,365,001
80$48,260,599$9,720,402$5,682,681$29,762,303
81$53,069,472$10,082,994$5,759,343$32,390,606
82$58,365,268$10,459,771$5,834,991$35,272,988
83$64,197,541$10,851,315$5,909,479$38,434,859
84$70,620,895$11,258,234$5,982,651$41,904,203
85$77,695,500$11,681,161$6,054,343$45,711,841
86$85,487,659$12,120,757$6,124,383$49,891,713
87$94,070,437$12,577,710$6,192,585$54,481,201
88$103,524,343$13,052,739$6,258,759$59,521,477
89$113,938,097$13,546,595$6,322,699$65,057,892
90$125,409,464$14,060,059$6,384,190$71,140,393
91$138,046,175$14,593,948$6,443,006$77,824,002
92$151,966,947$15,149,113$6,498,908$85,169,324
93$167,302,599$15,726,443$6,551,645$93,243,117
94$184,197,291$16,326,866$6,600,952$102,118,923
95$202,809,881$16,951,349$6,646,551$111,877,753
96$223,315,426$17,600,902$6,688,147$122,608,851
97$245,906,833$18,276,579$6,725,434$134,410,533
98$270,796,680$18,979,482$6,758,086$147,391,108
99$298,219,224$19,710,759$6,785,764$161,669,898
100$328,432,607$20,471,609$6,808,110$177,378,360