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%14.5%
1 years$289,027$286,452$283,940$281,489$279,095$273,908
2 years$143,083$140,418$137,835$135,331$132,902$127,696
3 years$94,441$91,765$89,188$86,708$84,319$79,255
4 years$70,125$67,457$64,906$62,468$60,137$55,255
5 years$55,539$52,887$50,370$47,982$45,715$41,029
6 years$45,818$43,186$40,706$38,371$36,173$31,688
7 years$38,878$36,268$33,827$31,547$29,418$25,135
8 years$33,674$31,088$28,688$26,464$24,405$20,323
9 years$29,630$27,068$24,709$22,542$20,553$16,670
10 years$26,396$23,859$21,542$19,431$17,512$13,824
11 years$23,752$21,240$18,965$16,911$15,061$11,563
12 years$21,550$19,064$16,831$14,833$13,051$9,740
13 years$19,688$17,228$15,038$13,095$11,381$8,250
14 years$18,094$15,660$13,511$11,625$9,977$7,021
15 years$16,713$14,306$12,199$10,367$8,784$5,997
16 years$15,506$13,125$11,060$9,283$7,763$5,140
17 years$14,443$12,088$10,064$8,340$6,884$4,416
18 years$13,498$11,170$9,187$7,516$6,121$3,804
19 years$12,654$10,352$8,411$6,792$5,455$3,282
20 years$11,895$9,620$7,719$6,151$4,873$2,837
21 years$11,210$8,960$7,100$5,583$4,361$2,455
22 years$10,587$8,364$6,544$5,076$3,909$2,128
23 years$10,020$7,823$6,042$4,623$3,509$1,846
24 years$9,501$7,329$5,588$4,216$3,154$1,603
25 years$9,024$6,878$5,175$3,850$2,838$1,393
26 years$8,584$6,464$4,800$3,521$2,556$1,211
27 years$8,177$6,084$4,457$3,223$2,305$1,053
28 years$7,801$5,733$4,143$2,953$2,080$917
29 years$7,451$5,408$3,856$2,708$1,878$798
30 years$7,124$5,107$3,592$2,485$1,697$696
31 years$6,820$4,828$3,348$2,282$1,534$606
32 years$6,535$4,569$3,124$2,097$1,388$528
33 years$6,268$4,326$2,917$1,929$1,256$461
34 years$6,017$4,100$2,725$1,775$1,137$402
35 years$5,781$3,889$2,548$1,634$1,030$350
36 years$5,559$3,691$2,384$1,504$933$306
37 years$5,349$3,506$2,231$1,386$846$267
38 years$5,151$3,332$2,089$1,278$767$233
39 years$4,963$3,168$1,957$1,178$695$203
40 years$4,785$3,014$1,835$1,087$631$177
41 years$4,616$2,869$1,720$1,003$572$155
42 years$4,456$2,733$1,614$925$519$135
43 years$4,304$2,604$1,514$854$471$118
44 years$4,158$2,482$1,421$789$428$103
45 years$4,020$2,367$1,335$728$388$90
46 years$3,888$2,258$1,254$673$352$78
47 years$3,763$2,155$1,178$622$320$69
48 years$3,642$2,057$1,107$574$291$60
49 years$3,527$1,964$1,040$531$264$52
50 years$3,417$1,876$978$491$240$46

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 $6,355 every year, while hoping to spend $43,681 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: 21/49/30 Blend
51$3,500,000$3,500,000$3,500,000$3,500,000
52$3,863,555$3,678,055$3,623,805$3,907,858
53$4,211,162$3,811,804$3,698,726$4,083,221
54$4,592,760$3,950,642$3,774,693$4,266,529
55$5,011,771$4,094,773$3,851,695$4,461,540
56$5,471,964$4,244,409$3,929,719$4,669,230
57$5,977,489$4,399,770$4,008,750$4,890,668
58$6,532,921$4,561,086$4,088,771$5,127,027
59$7,143,297$4,728,598$4,169,763$5,379,589
60$7,814,168$4,902,554$4,251,705$5,649,761
61$8,551,649$5,083,215$4,334,573$5,939,085
62$9,362,477$5,270,852$4,418,341$6,249,250
63$10,254,074$5,465,748$4,502,979$6,582,112
64$11,234,617$5,668,198$4,588,457$6,939,703
65$12,313,117$5,878,508$4,674,739$7,324,257
66$13,499,499$6,097,000$4,761,787$7,738,224
67$14,804,701$6,324,006$4,849,561$8,184,293
68$16,240,775$6,559,876$4,938,014$8,665,419
69$17,820,996$6,804,972$5,027,100$9,184,846
70$19,559,995$7,059,674$5,116,766$9,746,139
71$21,473,892$7,324,375$5,206,955$10,353,213
72$23,580,448$7,599,488$5,297,607$11,010,371
73$25,899,233$7,885,443$5,388,656$11,722,344
74$28,451,813$8,182,687$5,480,034$12,494,331
75$31,261,947$8,491,688$5,571,664$13,332,048
76$34,355,819$8,812,934$5,663,468$14,241,780
77$37,762,278$9,146,933$5,755,360$15,230,438
78$41,513,113$9,494,216$5,847,248$16,305,625
79$45,643,356$9,855,338$5,939,035$17,475,700
80$50,191,604$10,230,875$6,030,619$18,749,863
81$55,200,391$10,621,431$6,121,888$20,138,232
82$60,716,585$11,027,636$6,212,726$21,651,941
83$66,791,833$11,450,146$6,303,008$23,303,241
84$73,483,043$11,889,647$6,392,602$25,105,613
85$80,852,928$12,346,854$6,481,369$27,073,896
86$88,970,592$12,822,515$6,569,160$29,224,419
87$97,912,184$13,317,409$6,655,818$31,575,157
88$107,761,615$13,832,351$6,741,177$34,145,896
89$118,611,354$14,368,190$6,825,060$36,958,418
90$130,563,295$14,925,814$6,907,282$40,036,701
91$143,729,721$15,506,150$6,987,647$43,407,147
92$158,234,366$16,110,164$7,065,946$47,098,822
93$174,213,577$16,738,868$7,141,961$51,143,732
94$191,817,605$17,393,316$7,215,460$55,577,118
95$211,212,024$18,074,611$7,286,201$60,437,790
96$232,579,287$18,783,904$7,353,925$65,768,482
97$256,120,455$19,522,396$7,418,363$71,616,259
98$282,057,093$20,291,345$7,479,229$78,032,952
99$310,633,356$21,092,061$7,536,223$85,075,646
100$342,118,301$21,925,914$7,589,030$92,807,212