Can I retire at age 52 with 3,500,000?

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 $3,500,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14%
1 years$289,027$286,452$283,940$281,489$279,095$274,471
2 years$143,083$140,418$137,835$135,331$132,902$128,258
3 years$94,441$91,765$89,188$86,708$84,319$79,797
4 years$70,125$67,457$64,906$62,468$60,137$55,774
5 years$55,539$52,887$50,370$47,982$45,715$41,523
6 years$45,818$43,186$40,706$38,371$36,173$32,156
7 years$38,878$36,268$33,827$31,547$29,418$25,579
8 years$33,674$31,088$28,688$26,464$24,405$20,742
9 years$29,630$27,068$24,709$22,542$20,553$17,063
10 years$26,396$23,859$21,542$19,431$17,512$14,194
11 years$23,752$21,240$18,965$16,911$15,061$11,910
12 years$21,550$19,064$16,831$14,833$13,051$10,065
13 years$19,688$17,228$15,038$13,095$11,381$8,554
14 years$18,094$15,660$13,511$11,625$9,977$7,303
15 years$16,713$14,306$12,199$10,367$8,784$6,260
16 years$15,506$13,125$11,060$9,283$7,763$5,384
17 years$14,443$12,088$10,064$8,340$6,884$4,643
18 years$13,498$11,170$9,187$7,516$6,121$4,013
19 years$12,654$10,352$8,411$6,792$5,455$3,476
20 years$11,895$9,620$7,719$6,151$4,873$3,015
21 years$11,210$8,960$7,100$5,583$4,361$2,620
22 years$10,587$8,364$6,544$5,076$3,909$2,279
23 years$10,020$7,823$6,042$4,623$3,509$1,985
24 years$9,501$7,329$5,588$4,216$3,154$1,730
25 years$9,024$6,878$5,175$3,850$2,838$1,509
26 years$8,584$6,464$4,800$3,521$2,556$1,317
27 years$8,177$6,084$4,457$3,223$2,305$1,151
28 years$7,801$5,733$4,143$2,953$2,080$1,006
29 years$7,451$5,408$3,856$2,708$1,878$879
30 years$7,124$5,107$3,592$2,485$1,697$769
31 years$6,820$4,828$3,348$2,282$1,534$673
32 years$6,535$4,569$3,124$2,097$1,388$589
33 years$6,268$4,326$2,917$1,929$1,256$516
34 years$6,017$4,100$2,725$1,775$1,137$452
35 years$5,781$3,889$2,548$1,634$1,030$396
36 years$5,559$3,691$2,384$1,504$933$347
37 years$5,349$3,506$2,231$1,386$846$304
38 years$5,151$3,332$2,089$1,278$767$266
39 years$4,963$3,168$1,957$1,178$695$233
40 years$4,785$3,014$1,835$1,087$631$205
41 years$4,616$2,869$1,720$1,003$572$179
42 years$4,456$2,733$1,614$925$519$157
43 years$4,304$2,604$1,514$854$471$138
44 years$4,158$2,482$1,421$789$428$121
45 years$4,020$2,367$1,335$728$388$106
46 years$3,888$2,258$1,254$673$352$93
47 years$3,763$2,155$1,178$622$320$81
48 years$3,642$2,057$1,107$574$291$71
49 years$3,527$1,964$1,040$531$264$63
50 years$3,417$1,876$978$491$240$55

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $3,500,000, adding $3,898 every year, while hoping to spend $33,914 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: 48/30/22 Blend
51$3,500,000$3,500,000$3,500,000$3,500,000
52$3,861,021$3,675,521$3,621,271$4,022,095
53$4,218,761$3,819,537$3,706,499$4,278,874
54$4,611,853$3,969,474$3,793,446$4,553,839
55$5,043,869$4,125,584$3,882,133$4,851,734
56$5,518,741$4,288,135$3,972,582$5,174,728
57$6,040,802$4,457,404$4,064,813$5,525,206
58$6,614,827$4,633,679$4,158,847$5,905,788
59$7,246,075$4,817,265$4,254,704$6,319,357
60$7,940,341$5,008,478$4,352,403$6,769,082
61$8,704,011$5,207,648$4,451,963$7,258,448
62$9,544,117$5,415,120$4,553,402$7,791,290
63$10,468,412$5,631,256$4,656,736$8,371,824
64$11,485,435$5,856,432$4,761,981$9,004,692
65$12,604,596$6,091,044$4,869,154$9,694,997
66$13,836,262$6,335,502$4,978,267$10,448,356
67$15,191,856$6,590,237$5,089,335$11,270,951
68$16,683,967$6,855,700$5,202,369$12,169,584
69$18,326,463$7,132,361$5,317,380$13,151,742
70$20,134,626$7,420,711$5,434,377$14,225,666
71$22,125,297$7,721,264$5,553,367$15,400,427
72$24,317,029$8,034,559$5,674,357$16,686,010
73$26,730,269$8,361,155$5,797,351$18,093,408
74$29,387,546$8,701,641$5,922,352$19,634,724
75$32,313,686$9,056,631$6,049,360$21,323,283
76$35,536,042$9,426,767$6,178,374$23,173,756
77$39,084,760$9,812,719$6,309,391$25,202,299
78$42,993,053$10,215,191$6,442,404$27,426,701
79$47,297,525$10,634,916$6,577,404$29,866,552
80$52,038,507$11,072,661$6,714,382$32,543,426
81$57,260,443$11,529,230$6,853,322$35,481,080
82$63,012,308$12,005,462$6,994,208$38,705,683
83$69,348,069$12,502,235$7,137,020$42,246,051
84$76,327,196$13,020,468$7,281,733$46,133,926
85$84,015,220$13,561,122$7,428,322$50,404,268
86$92,484,357$14,125,201$7,576,755$55,095,585
87$101,814,182$14,713,757$7,726,998$60,250,294
88$112,092,387$15,327,889$7,879,010$65,915,115
89$123,415,604$15,968,748$8,032,750$72,141,517
90$135,890,316$16,637,538$8,188,168$78,986,194
91$149,633,869$17,335,518$8,345,212$86,511,599
92$164,775,571$18,064,005$8,503,824$94,786,534
93$181,457,915$18,824,378$8,663,939$103,886,792
94$199,837,930$19,618,079$8,825,487$113,895,873
95$220,088,651$20,446,618$8,988,394$124,905,764
96$242,400,765$21,311,574$9,152,576$137,017,808
97$266,984,401$22,214,599$9,317,946$150,343,657
98$294,071,119$23,157,423$9,484,406$165,006,318
99$323,916,093$24,141,857$9,651,853$181,141,315
100$356,800,520$25,169,793$9,820,176$198,897,961