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%17%
1 years$297,285$294,637$292,053$289,531$287,069$278,886
2 years$147,171$144,430$141,773$139,198$136,700$128,519
3 years$97,139$94,386$91,737$89,185$86,728$78,806
4 years$72,128$69,384$66,761$64,253$61,855$54,253
5 years$57,126$54,398$51,809$49,352$47,021$39,759
6 years$47,127$44,420$41,869$39,468$37,206$30,291
7 years$39,988$37,304$34,794$32,448$30,259$23,691
8 years$34,637$31,976$29,508$27,220$25,102$18,878
9 years$30,476$27,841$25,415$23,186$21,140$15,252
10 years$27,150$24,541$22,157$19,986$18,012$12,454
11 years$24,430$21,847$19,507$17,394$15,491$10,253
12 years$22,165$19,609$17,312$15,257$13,424$8,496
13 years$20,251$17,721$15,467$13,470$11,706$7,078
14 years$18,611$16,107$13,897$11,957$10,262$5,921
15 years$17,191$14,714$12,547$10,663$9,035$4,970
16 years$15,949$13,500$11,376$9,548$7,985$4,184
17 years$14,855$12,433$10,352$8,579$7,080$3,531
18 years$13,884$11,489$9,450$7,731$6,295$2,986
19 years$13,016$10,648$8,651$6,986$5,611$2,529
20 years$12,235$9,894$7,939$6,327$5,012$2,145
21 years$11,530$9,216$7,303$5,742$4,485$1,821
22 years$10,890$8,603$6,731$5,221$4,020$1,548
23 years$10,306$8,046$6,214$4,755$3,609$1,317
24 years$9,772$7,539$5,747$4,337$3,244$1,121
25 years$9,281$7,075$5,323$3,960$2,919$955
26 years$8,829$6,649$4,937$3,621$2,629$814
27 years$8,411$6,258$4,584$3,315$2,371$694
28 years$8,024$5,897$4,262$3,037$2,139$592
29 years$7,664$5,563$3,966$2,785$1,931$505
30 years$7,328$5,253$3,694$2,556$1,745$431
31 years$7,015$4,966$3,444$2,347$1,578$368
32 years$6,722$4,699$3,213$2,157$1,427$314
33 years$6,447$4,450$3,000$1,984$1,292$268
34 years$6,189$4,218$2,803$1,825$1,169$229
35 years$5,946$4,000$2,621$1,680$1,059$196
36 years$5,718$3,797$2,452$1,547$960$167
37 years$5,502$3,606$2,295$1,426$870$143
38 years$5,298$3,427$2,149$1,314$789$122
39 years$5,105$3,259$2,013$1,212$715$104
40 years$4,922$3,101$1,887$1,118$649$89
41 years$4,748$2,951$1,770$1,031$588$76
42 years$4,583$2,811$1,660$952$534$65
43 years$4,427$2,678$1,558$878$485$56
44 years$4,277$2,553$1,462$811$440$47
45 years$4,135$2,434$1,373$749$399$41
46 years$3,999$2,322$1,289$692$363$35
47 years$3,870$2,216$1,211$639$329$30
48 years$3,746$2,116$1,138$591$299$25
49 years$3,628$2,020$1,070$546$272$22
50 years$3,515$1,930$1,006$505$247$18

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 $2,710 every year, while hoping to spend $29,037 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: 59/35/6 Blend
51$3,600,000$3,600,000$3,600,000$3,600,000
52$3,969,995$3,779,195$3,723,395$4,199,409
53$4,344,040$3,933,481$3,817,234$4,507,743
54$4,755,263$4,094,353$3,913,243$4,840,208
55$5,207,428$4,262,104$4,011,464$5,201,956
56$5,704,678$4,437,040$4,111,941$5,595,798
57$6,251,580$4,619,479$4,214,715$6,024,823
58$6,853,163$4,809,756$4,319,831$6,492,427
59$7,514,972$5,008,220$4,427,331$7,002,344
60$8,243,113$5,215,236$4,537,260$7,558,682
61$9,044,315$5,431,188$4,649,663$8,165,960
62$9,925,993$5,656,473$4,764,584$8,829,148
63$10,896,315$5,891,511$4,882,069$9,553,714
64$11,964,283$6,136,739$5,002,162$10,345,673
65$13,139,814$6,392,614$5,124,909$11,211,645
66$14,433,838$6,659,615$5,250,357$12,158,914
67$15,858,396$6,938,243$5,378,550$13,195,496
68$17,426,757$7,229,021$5,509,536$14,330,213
69$19,153,540$7,532,497$5,643,359$15,572,776
70$21,054,858$7,849,246$5,780,068$16,933,873
71$23,148,460$8,179,866$5,919,707$18,425,268
72$25,453,909$8,524,986$6,062,324$20,059,915
73$27,992,760$8,885,262$6,207,964$21,852,071
74$30,788,764$9,261,382$6,356,673$23,817,434
75$33,868,094$9,654,066$6,508,497$25,973,289
76$37,259,590$10,064,065$6,663,482$28,338,667
77$40,995,032$10,492,169$6,821,673$30,934,522
78$45,109,441$10,939,201$6,983,115$33,783,930
79$49,641,407$11,406,024$7,147,852$36,912,300
80$54,633,453$11,893,542$7,315,928$40,347,616
81$60,132,440$12,402,700$7,487,386$44,120,695
82$66,190,004$12,934,488$7,662,268$48,265,477
83$72,863,047$13,489,941$7,840,617$52,819,340
84$80,214,273$14,070,143$8,022,473$57,823,454
85$88,312,779$14,676,230$8,207,876$63,323,164
86$97,234,707$15,309,390$8,396,865$69,368,415
87$107,063,964$15,970,866$8,589,476$76,014,221
88$117,893,011$16,661,961$8,785,746$83,321,179
89$129,823,739$17,384,039$8,985,710$91,356,039
90$142,968,429$18,138,525$9,189,400$100,192,330
91$157,450,812$18,926,916$9,396,848$109,911,050
92$173,407,235$19,750,775$9,608,082$120,601,427
93$190,987,951$20,611,742$9,823,131$132,361,755
94$210,358,536$21,511,530$10,042,020$145,300,319
95$231,701,449$22,451,938$10,264,770$159,536,413
96$255,217,759$23,434,845$10,491,402$175,201,459
97$281,129,040$24,462,222$10,721,933$192,440,246
98$309,679,462$25,536,131$10,956,378$211,412,285
99$341,138,098$26,658,732$11,194,747$232,293,317
100$375,801,461$27,832,287$11,437,049$255,276,960