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

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 $3,500,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.6%
1 years$289,027$286,452$283,940$281,489$279,095$271,577
2 years$143,083$140,418$137,835$135,331$132,902$125,382
3 years$94,441$91,765$89,188$86,708$84,319$77,031
4 years$70,125$67,457$64,906$62,468$60,137$53,138
5 years$55,539$52,887$50,370$47,982$45,715$39,024
6 years$45,818$43,186$40,706$38,371$36,173$29,796
7 years$38,878$36,268$33,827$31,547$29,418$23,357
8 years$33,674$31,088$28,688$26,464$24,405$18,655
9 years$29,630$27,068$24,709$22,542$20,553$15,109
10 years$26,396$23,859$21,542$19,431$17,512$12,368
11 years$23,752$21,240$18,965$16,911$15,061$10,209
12 years$21,550$19,064$16,831$14,833$13,051$8,482
13 years$19,688$17,228$15,038$13,095$11,381$7,084
14 years$18,094$15,660$13,511$11,625$9,977$5,943
15 years$16,713$14,306$12,199$10,367$8,784$5,003
16 years$15,506$13,125$11,060$9,283$7,763$4,224
17 years$14,443$12,088$10,064$8,340$6,884$3,575
18 years$13,498$11,170$9,187$7,516$6,121$3,032
19 years$12,654$10,352$8,411$6,792$5,455$2,575
20 years$11,895$9,620$7,719$6,151$4,873$2,191
21 years$11,210$8,960$7,100$5,583$4,361$1,866
22 years$10,587$8,364$6,544$5,076$3,909$1,591
23 years$10,020$7,823$6,042$4,623$3,509$1,358
24 years$9,501$7,329$5,588$4,216$3,154$1,159
25 years$9,024$6,878$5,175$3,850$2,838$991
26 years$8,584$6,464$4,800$3,521$2,556$847
27 years$8,177$6,084$4,457$3,223$2,305$725
28 years$7,801$5,733$4,143$2,953$2,080$620
29 years$7,451$5,408$3,856$2,708$1,878$531
30 years$7,124$5,107$3,592$2,485$1,697$454
31 years$6,820$4,828$3,348$2,282$1,534$389
32 years$6,535$4,569$3,124$2,097$1,388$333
33 years$6,268$4,326$2,917$1,929$1,256$286
34 years$6,017$4,100$2,725$1,775$1,137$245
35 years$5,781$3,889$2,548$1,634$1,030$210
36 years$5,559$3,691$2,384$1,504$933$180
37 years$5,349$3,506$2,231$1,386$846$154
38 years$5,151$3,332$2,089$1,278$767$132
39 years$4,963$3,168$1,957$1,178$695$113
40 years$4,785$3,014$1,835$1,087$631$97
41 years$4,616$2,869$1,720$1,003$572$83
42 years$4,456$2,733$1,614$925$519$71
43 years$4,304$2,604$1,514$854$471$61
44 years$4,158$2,482$1,421$789$428$52
45 years$4,020$2,367$1,335$728$388$45
46 years$3,888$2,258$1,254$673$352$39
47 years$3,763$2,155$1,178$622$320$33
48 years$3,642$2,057$1,107$574$291$28
49 years$3,527$1,964$1,040$531$264$24
50 years$3,417$1,876$978$491$240$21

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 $2,335 every year, while hoping to spend $55,312 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: 24/48/28 Blend
51$3,500,000$3,500,000$3,500,000$3,500,000
52$3,859,409$3,673,909$3,619,659$3,917,941
53$4,194,217$3,795,079$3,682,066$4,089,077
54$4,561,321$3,920,332$3,744,709$4,267,471
55$4,963,959$4,049,811$3,807,540$4,457,447
56$5,405,692$4,183,661$3,870,502$4,660,007
57$5,890,448$4,322,036$3,933,539$4,876,248
58$6,422,551$4,465,093$3,996,590$5,107,376
59$7,006,763$4,612,994$4,059,587$5,354,714
60$7,648,332$4,765,910$4,122,462$5,619,716
61$8,353,037$4,924,015$4,185,141$5,903,975
62$9,127,247$5,087,491$4,247,542$6,209,246
63$9,977,975$5,256,528$4,309,584$6,537,454
64$10,912,949$5,431,319$4,371,176$6,890,715
65$11,940,684$5,612,067$4,432,224$7,271,357
66$13,070,558$5,798,982$4,492,628$7,681,935
67$14,312,904$5,992,282$4,552,281$8,125,263
68$15,679,108$6,192,191$4,611,070$8,604,431
69$17,181,713$6,398,945$4,668,876$9,122,842
70$18,834,539$6,612,784$4,725,575$9,684,236
71$20,652,812$6,833,960$4,781,031$10,292,728
72$22,653,309$7,062,735$4,835,106$10,952,846
73$24,854,515$7,299,377$4,887,651$11,669,572
74$27,276,796$7,544,168$4,938,508$12,448,389
75$29,942,595$7,797,398$4,987,514$13,295,331
76$32,876,638$8,059,368$5,034,494$14,217,040
77$36,106,170$8,330,392$5,079,264$15,220,825
78$39,661,212$8,610,794$5,121,632$16,314,735
79$43,574,843$8,900,910$5,161,394$17,507,628
80$47,883,511$9,201,089$5,198,336$18,809,260
81$52,627,382$9,511,695$5,232,232$20,230,369
82$57,850,709$9,833,102$5,262,846$21,782,782
83$63,602,259$10,165,702$5,289,929$23,479,521
84$69,935,766$10,509,898$5,313,218$25,334,926
85$76,910,442$10,866,111$5,332,439$27,364,789
86$84,591,534$11,234,777$5,347,303$29,586,504
87$93,050,939$11,616,349$5,357,506$32,019,225
88$102,367,881$12,011,297$5,362,729$34,684,051
89$112,629,663$12,420,109$5,362,638$37,604,220
90$123,932,484$12,843,290$5,356,882$40,805,330
91$136,382,353$13,281,367$5,345,093$44,315,575
92$150,096,085$13,734,885$5,326,885$48,166,015
93$165,202,403$14,204,412$5,301,853$52,390,863
94$181,843,156$14,690,536$5,269,573$57,027,809
95$200,174,654$15,193,868$5,229,600$62,118,374
96$220,369,145$15,715,044$5,181,468$67,708,298
97$242,616,439$16,254,723$5,124,689$73,847,974
98$267,125,702$16,813,590$5,058,751$80,592,920
99$294,127,424$17,392,356$4,983,120$88,004,299
100$323,875,601$17,991,761$4,897,234$96,149,499