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%15.8%
1 years$297,285$294,637$292,053$289,531$287,069$280,243
2 years$147,171$144,430$141,773$139,198$136,700$129,862
3 years$97,139$94,386$91,737$89,185$86,728$80,093
4 years$72,128$69,384$66,761$64,253$61,855$55,474
5 years$57,126$54,398$51,809$49,352$47,021$40,911
6 years$47,127$44,420$41,869$39,468$37,206$31,374
7 years$39,988$37,304$34,794$32,448$30,259$24,705
8 years$34,637$31,976$29,508$27,220$25,102$19,825
9 years$30,476$27,841$25,415$23,186$21,140$16,134
10 years$27,150$24,541$22,157$19,986$18,012$13,273
11 years$24,430$21,847$19,507$17,394$15,491$11,012
12 years$22,165$19,609$17,312$15,257$13,424$9,197
13 years$20,251$17,721$15,467$13,470$11,706$7,723
14 years$18,611$16,107$13,897$11,957$10,262$6,515
15 years$17,191$14,714$12,547$10,663$9,035$5,515
16 years$15,949$13,500$11,376$9,548$7,985$4,683
17 years$14,855$12,433$10,352$8,579$7,080$3,986
18 years$13,884$11,489$9,450$7,731$6,295$3,401
19 years$13,016$10,648$8,651$6,986$5,611$2,906
20 years$12,235$9,894$7,939$6,327$5,012$2,487
21 years$11,530$9,216$7,303$5,742$4,485$2,132
22 years$10,890$8,603$6,731$5,221$4,020$1,829
23 years$10,306$8,046$6,214$4,755$3,609$1,570
24 years$9,772$7,539$5,747$4,337$3,244$1,350
25 years$9,281$7,075$5,323$3,960$2,919$1,161
26 years$8,829$6,649$4,937$3,621$2,629$999
27 years$8,411$6,258$4,584$3,315$2,371$860
28 years$8,024$5,897$4,262$3,037$2,139$741
29 years$7,664$5,563$3,966$2,785$1,931$638
30 years$7,328$5,253$3,694$2,556$1,745$550
31 years$7,015$4,966$3,444$2,347$1,578$474
32 years$6,722$4,699$3,213$2,157$1,427$409
33 years$6,447$4,450$3,000$1,984$1,292$353
34 years$6,189$4,218$2,803$1,825$1,169$304
35 years$5,946$4,000$2,621$1,680$1,059$262
36 years$5,718$3,797$2,452$1,547$960$226
37 years$5,502$3,606$2,295$1,426$870$195
38 years$5,298$3,427$2,149$1,314$789$169
39 years$5,105$3,259$2,013$1,212$715$146
40 years$4,922$3,101$1,887$1,118$649$126
41 years$4,748$2,951$1,770$1,031$588$108
42 years$4,583$2,811$1,660$952$534$94
43 years$4,427$2,678$1,558$878$485$81
44 years$4,277$2,553$1,462$811$440$70
45 years$4,135$2,434$1,373$749$399$60
46 years$3,999$2,322$1,289$692$363$52
47 years$3,870$2,216$1,211$639$329$45
48 years$3,746$2,116$1,138$591$299$39
49 years$3,628$2,020$1,070$546$272$33
50 years$3,515$1,930$1,006$505$247$29

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 $3,413 every year, while hoping to spend $53,279 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: 42/39/19 Blend
51$3,600,000$3,600,000$3,600,000$3,600,000
52$3,970,721$3,779,921$3,724,121$4,115,258
53$4,319,046$3,908,448$3,792,190$4,346,538
54$4,701,114$4,041,488$3,860,754$4,591,388
55$5,120,312$4,179,205$3,929,774$4,855,430
56$5,580,367$4,321,770$3,999,205$5,140,451
57$6,085,389$4,469,361$4,069,002$5,448,416
58$6,639,901$4,622,162$4,139,117$5,781,485
59$7,248,889$4,780,365$4,209,495$6,142,033
60$7,917,842$4,944,170$4,280,079$6,532,673
61$8,652,810$5,113,782$4,350,810$6,956,276
62$9,460,456$5,289,417$4,421,621$7,416,002
63$10,348,121$5,471,297$4,492,444$7,915,326
64$11,323,893$5,659,654$4,563,205$8,458,072
65$12,396,682$5,854,729$4,633,824$9,048,448
66$13,576,305$6,056,772$4,704,218$9,691,082
67$14,873,576$6,266,043$4,774,298$10,391,070
68$16,300,413$6,482,811$4,843,970$11,154,019
69$17,869,944$6,707,357$4,913,131$11,986,100
70$19,596,634$6,939,974$4,981,677$12,894,107
71$21,496,421$7,180,963$5,049,493$13,885,519
72$23,586,866$7,430,639$5,116,461$14,968,569
73$25,887,317$7,689,331$5,182,453$16,152,322
74$28,419,093$7,957,379$5,247,336$17,446,757
75$31,205,686$8,235,136$5,310,967$18,862,866
76$34,272,979$8,522,970$5,373,196$20,412,748
77$37,649,491$8,821,263$5,433,867$22,109,731
78$41,366,648$9,130,415$5,492,810$23,968,488
79$45,459,078$9,450,837$5,549,852$26,005,182
80$49,964,936$9,782,960$5,604,804$28,237,612
81$54,926,267$10,127,232$5,657,472$30,685,384
82$60,389,397$10,484,118$5,707,649$33,370,088
83$66,405,378$10,854,102$5,755,117$36,315,510
84$73,030,461$11,237,687$5,799,648$39,547,845
85$80,326,632$11,635,398$5,841,000$43,095,952
86$88,362,195$12,047,779$5,878,920$46,991,616
87$97,212,416$12,475,397$5,913,141$51,269,855
88$106,960,234$12,918,843$5,943,382$55,969,241
89$117,697,042$13,378,731$5,969,350$61,132,270
90$129,523,550$13,855,699$5,990,733$66,805,756
91$142,550,737$14,350,413$6,007,208$73,041,271
92$156,900,895$14,863,565$6,018,431$79,895,634
93$172,708,782$15,395,876$6,024,045$87,431,441
94$190,122,900$15,948,097$6,023,673$95,717,659
95$209,306,890$16,521,007$6,016,920$104,830,270
96$230,441,078$17,115,421$6,003,371$114,852,986
97$253,724,176$17,732,185$5,982,593$125,878,042
98$279,375,161$18,372,181$5,954,129$138,007,061
99$307,635,336$19,036,327$5,917,501$151,352,009
100$338,770,613$19,725,580$5,872,210$166,036,255