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

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 $3,600,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.1%
1 years$297,285$294,637$292,053$289,531$287,069$276,554
2 years$147,171$144,430$141,773$139,198$136,700$126,223
3 years$97,139$94,386$91,737$89,185$86,728$76,619
4 years$72,128$69,384$66,761$64,253$61,855$52,191
5 years$57,126$54,398$51,809$49,352$47,021$37,827
6 years$47,127$44,420$41,869$39,468$37,206$28,489
7 years$39,988$37,304$34,794$32,448$30,259$22,016
8 years$34,637$31,976$29,508$27,220$25,102$17,327
9 years$30,476$27,841$25,415$23,186$21,140$13,821
10 years$27,150$24,541$22,157$19,986$18,012$11,137
11 years$24,430$21,847$19,507$17,394$15,491$9,045
12 years$22,165$19,609$17,312$15,257$13,424$7,392
13 years$20,251$17,721$15,467$13,470$11,706$6,070
14 years$18,611$16,107$13,897$11,957$10,262$5,004
15 years$17,191$14,714$12,547$10,663$9,035$4,139
16 years$15,949$13,500$11,376$9,548$7,985$3,432
17 years$14,855$12,433$10,352$8,579$7,080$2,852
18 years$13,884$11,489$9,450$7,731$6,295$2,374
19 years$13,016$10,648$8,651$6,986$5,611$1,979
20 years$12,235$9,894$7,939$6,327$5,012$1,652
21 years$11,530$9,216$7,303$5,742$4,485$1,380
22 years$10,890$8,603$6,731$5,221$4,020$1,154
23 years$10,306$8,046$6,214$4,755$3,609$965
24 years$9,772$7,539$5,747$4,337$3,244$808
25 years$9,281$7,075$5,323$3,960$2,919$677
26 years$8,829$6,649$4,937$3,621$2,629$567
27 years$8,411$6,258$4,584$3,315$2,371$475
28 years$8,024$5,897$4,262$3,037$2,139$399
29 years$7,664$5,563$3,966$2,785$1,931$334
30 years$7,328$5,253$3,694$2,556$1,745$280
31 years$7,015$4,966$3,444$2,347$1,578$235
32 years$6,722$4,699$3,213$2,157$1,427$197
33 years$6,447$4,450$3,000$1,984$1,292$166
34 years$6,189$4,218$2,803$1,825$1,169$139
35 years$5,946$4,000$2,621$1,680$1,059$117
36 years$5,718$3,797$2,452$1,547$960$98
37 years$5,502$3,606$2,295$1,426$870$82
38 years$5,298$3,427$2,149$1,314$789$69
39 years$5,105$3,259$2,013$1,212$715$58
40 years$4,922$3,101$1,887$1,118$649$49
41 years$4,748$2,951$1,770$1,031$588$41
42 years$4,583$2,811$1,660$952$534$34
43 years$4,427$2,678$1,558$878$485$29
44 years$4,277$2,553$1,462$811$440$24
45 years$4,135$2,434$1,373$749$399$20
46 years$3,999$2,322$1,289$692$363$17
47 years$3,870$2,216$1,211$639$329$14
48 years$3,746$2,116$1,138$591$299$12
49 years$3,628$2,020$1,070$546$272$10
50 years$3,515$1,930$1,006$505$247$8

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 $3,581 every year, while hoping to spend $50,988 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: 73/15/12 Blend
51$3,600,000$3,600,000$3,600,000$3,600,000
52$3,970,894$3,780,094$3,724,294$4,250,793
53$4,321,674$3,911,068$3,794,807$4,567,309
54$4,706,525$4,046,750$3,865,973$4,907,228
55$5,128,868$4,187,318$3,937,761$5,278,159
56$5,592,472$4,332,956$4,010,135$5,683,158
57$6,101,488$4,483,855$4,083,058$6,125,590
58$6,660,489$4,640,213$4,156,490$6,609,160
59$7,274,512$4,802,237$4,230,386$7,137,947
60$7,949,108$4,970,142$4,304,699$7,716,445
61$8,690,389$5,144,151$4,379,378$8,349,600
62$9,505,090$5,324,496$4,454,369$9,042,861
63$10,400,632$5,511,419$4,529,613$9,802,226
64$11,385,189$5,705,171$4,605,048$10,634,305
65$12,467,767$5,906,013$4,680,605$11,546,375
66$13,658,288$6,114,216$4,756,215$12,546,453
67$14,967,685$6,330,065$4,831,800$13,643,368
68$16,408,003$6,553,852$4,907,279$14,846,846
69$17,992,512$6,785,883$4,982,565$16,167,600
70$19,735,833$7,026,477$5,057,567$17,617,433
71$21,654,079$7,275,964$5,132,186$19,209,344
72$23,764,999$7,534,691$5,206,318$20,957,656
73$26,088,152$7,803,014$5,279,853$22,878,144
74$28,645,089$8,081,307$5,352,673$24,988,191
75$31,459,556$8,369,959$5,424,656$27,306,945
76$34,557,718$8,669,374$5,495,669$29,855,503
77$37,968,404$8,979,973$5,565,573$32,657,105
78$41,723,384$9,302,194$5,634,222$35,737,360
79$45,857,660$9,636,493$5,701,460$39,124,480
80$50,409,806$9,983,345$5,767,123$42,849,548
81$55,422,322$10,343,245$5,831,037$46,946,812
82$60,942,042$10,716,707$5,893,021$51,454,007
83$67,020,573$11,104,268$5,952,880$56,412,710
84$73,714,781$11,506,487$6,010,411$61,868,728
85$81,087,329$11,923,945$6,065,400$67,872,539
86$89,207,267$12,357,249$6,117,620$74,479,756
87$98,150,682$12,807,028$6,166,835$81,751,660
88$108,001,421$13,273,941$6,212,793$89,755,775
89$118,851,875$13,758,674$6,255,231$98,566,501
90$130,803,856$14,261,938$6,293,871$108,265,821
91$143,969,555$14,784,479$6,328,421$118,944,068
92$158,472,602$15,327,072$6,358,576$130,700,783
93$174,449,233$15,890,523$6,384,013$143,645,648
94$192,049,570$16,475,675$6,404,394$157,899,524
95$211,439,048$17,083,404$6,419,362$173,595,589
96$232,799,965$17,714,625$6,428,545$190,880,594
97$256,333,212$18,370,292$6,431,551$209,916,248
98$282,260,160$19,051,397$6,427,969$230,880,742
99$310,824,757$19,758,976$6,417,367$253,970,433
100$342,295,826$20,494,110$6,399,293$279,401,692