Can I retire at age 52 with 3,600,000?

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 $3,600,000?

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$297,285$294,637$292,053$289,531$287,069$285,739
2 years$147,171$144,430$141,773$139,198$136,700$135,357
3 years$97,139$94,386$91,737$89,185$86,728$85,415
4 years$72,128$69,384$66,761$64,253$61,855$60,581
5 years$57,126$54,398$51,809$49,352$47,021$45,790
6 years$47,127$44,420$41,869$39,468$37,206$36,020
7 years$39,988$37,304$34,794$32,448$30,259$29,117
8 years$34,637$31,976$29,508$27,220$25,102$24,006
9 years$30,476$27,841$25,415$23,186$21,140$20,089
10 years$27,150$24,541$22,157$19,986$18,012$17,006
11 years$24,430$21,847$19,507$17,394$15,491$14,528
12 years$22,165$19,609$17,312$15,257$13,424$12,504
13 years$20,251$17,721$15,467$13,470$11,706$10,829
14 years$18,611$16,107$13,897$11,957$10,262$9,425
15 years$17,191$14,714$12,547$10,663$9,035$8,239
16 years$15,949$13,500$11,376$9,548$7,985$7,228
17 years$14,855$12,433$10,352$8,579$7,080$6,361
18 years$13,884$11,489$9,450$7,731$6,295$5,613
19 years$13,016$10,648$8,651$6,986$5,611$4,965
20 years$12,235$9,894$7,939$6,327$5,012$4,400
21 years$11,530$9,216$7,303$5,742$4,485$3,906
22 years$10,890$8,603$6,731$5,221$4,020$3,473
23 years$10,306$8,046$6,214$4,755$3,609$3,092
24 years$9,772$7,539$5,747$4,337$3,244$2,756
25 years$9,281$7,075$5,323$3,960$2,919$2,460
26 years$8,829$6,649$4,937$3,621$2,629$2,197
27 years$8,411$6,258$4,584$3,315$2,371$1,964
28 years$8,024$5,897$4,262$3,037$2,139$1,757
29 years$7,664$5,563$3,966$2,785$1,931$1,573
30 years$7,328$5,253$3,694$2,556$1,745$1,408
31 years$7,015$4,966$3,444$2,347$1,578$1,262
32 years$6,722$4,699$3,213$2,157$1,427$1,132
33 years$6,447$4,450$3,000$1,984$1,292$1,015
34 years$6,189$4,218$2,803$1,825$1,169$911
35 years$5,946$4,000$2,621$1,680$1,059$817
36 years$5,718$3,797$2,452$1,547$960$734
37 years$5,502$3,606$2,295$1,426$870$659
38 years$5,298$3,427$2,149$1,314$789$592
39 years$5,105$3,259$2,013$1,212$715$532
40 years$4,922$3,101$1,887$1,118$649$478
41 years$4,748$2,951$1,770$1,031$588$429
42 years$4,583$2,811$1,660$952$534$386
43 years$4,427$2,678$1,558$878$485$347
44 years$4,277$2,553$1,462$811$440$312
45 years$4,135$2,434$1,373$749$399$281
46 years$3,999$2,322$1,289$692$363$252
47 years$3,870$2,216$1,211$639$329$227
48 years$3,746$2,116$1,138$591$299$204
49 years$3,628$2,020$1,070$546$272$184
50 years$3,515$1,930$1,006$505$247$165

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $3,600,000, adding $4,321 every year, while hoping to spend $59,552 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: 74/9/17 Blend
51$3,600,000$3,600,000$3,600,000$3,600,000
52$3,971,657$3,780,857$3,725,057$4,249,850
53$4,313,403$3,902,756$3,786,484$4,556,642
54$4,688,012$4,028,633$3,847,972$4,884,986
55$5,098,771$4,158,618$3,909,462$5,243,204
56$5,549,305$4,292,849$3,970,887$5,634,252
57$6,043,602$4,431,467$4,032,180$6,061,384
58$6,586,058$4,574,617$4,093,267$6,528,187
59$7,181,514$4,722,451$4,154,069$7,038,609
60$7,835,302$4,875,125$4,214,504$7,596,998
61$8,553,297$5,032,800$4,274,484$8,208,144
62$9,341,969$5,195,643$4,333,915$8,877,326
63$10,208,447$5,363,827$4,392,699$9,610,353
64$11,160,584$5,537,530$4,450,730$10,413,630
65$12,207,032$5,716,938$4,507,897$11,294,210
66$13,357,322$5,902,240$4,564,084$12,259,862
67$14,621,954$6,093,635$4,619,167$13,319,147
68$16,012,497$6,291,327$4,673,013$14,481,496
69$17,541,698$6,495,528$4,725,485$15,757,298
70$19,223,599$6,706,457$4,776,436$17,158,000
71$21,073,672$6,924,339$4,825,713$18,696,215
72$23,108,964$7,149,410$4,873,152$20,385,838
73$25,348,258$7,381,911$4,918,582$22,242,178
74$27,812,249$7,622,093$4,961,823$24,282,103
75$30,523,739$7,870,216$5,002,685$26,524,201
76$33,507,852$8,126,548$5,040,966$28,988,950
77$36,792,271$8,391,367$5,076,457$31,698,913
78$40,407,499$8,664,961$5,108,935$34,678,956
79$44,387,147$8,947,626$5,138,167$37,956,472
80$48,768,248$9,239,673$5,163,908$41,561,650
81$53,591,611$9,541,418$5,185,900$45,527,752
82$58,902,200$9,853,192$5,203,873$49,891,431
83$64,749,563$10,175,337$5,217,541$54,693,073
84$71,188,296$10,508,206$5,226,606$59,977,183
85$78,278,560$10,852,166$5,230,755$65,792,800
86$86,086,645$11,207,595$5,229,658$72,193,962
87$94,685,602$11,574,885$5,222,970$79,240,215
88$104,155,922$11,954,444$5,210,328$86,997,176
89$114,586,306$12,346,691$5,191,354$95,537,149
90$126,074,492$12,752,062$5,165,648$104,939,812
91$138,728,186$13,171,009$5,132,793$115,292,964
92$152,666,071$13,603,998$5,092,351$126,693,359
93$168,018,929$14,051,513$5,043,864$139,247,611
94$184,930,878$14,514,056$4,986,851$153,073,210
95$203,560,727$14,992,144$4,920,811$168,299,622
96$224,083,479$15,486,316$4,845,215$185,069,517
97$246,691,977$15,997,129$4,759,513$203,540,112
98$271,598,729$16,525,159$4,663,128$223,884,655
99$299,037,912$17,071,004$4,555,454$246,294,065
100$329,267,578$17,635,283$4,435,862$270,978,727