Can I retire at age 52 with 3,700,000?

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 $3,700,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.4%
1 years$305,543$302,821$300,166$297,574$295,043$285,029
2 years$151,259$148,442$145,711$143,064$140,497$130,508
3 years$99,837$97,008$94,285$91,663$89,137$79,487
4 years$74,132$71,311$68,615$66,038$63,573$54,336
5 years$58,713$55,909$53,248$50,723$48,327$39,528
6 years$48,436$45,654$43,033$40,564$38,240$29,885
7 years$41,099$38,340$35,760$33,350$31,099$23,187
8 years$35,599$32,864$30,328$27,976$25,800$18,325
9 years$31,323$28,614$26,121$23,830$21,727$14,680
10 years$27,904$25,222$22,773$20,541$18,513$11,882
11 years$25,109$22,454$20,049$17,877$15,921$9,694
12 years$22,781$20,153$17,793$15,681$13,797$7,959
13 years$20,813$18,213$15,897$13,844$12,031$6,567
14 years$19,128$16,555$14,283$12,289$10,547$5,441
15 years$17,668$15,123$12,896$10,960$9,286$4,522
16 years$16,392$13,875$11,692$9,813$8,207$3,769
17 years$15,268$12,779$10,639$8,817$7,277$3,148
18 years$14,269$11,808$9,712$7,946$6,470$2,634
19 years$13,377$10,944$8,891$7,180$5,767$2,208
20 years$12,575$10,169$8,160$6,503$5,151$1,852
21 years$11,850$9,472$7,506$5,902$4,610$1,556
22 years$11,192$8,842$6,917$5,366$4,132$1,308
23 years$10,593$8,270$6,387$4,887$3,709$1,101
24 years$10,044$7,748$5,907$4,457$3,334$927
25 years$9,539$7,271$5,471$4,070$3,000$780
26 years$9,074$6,834$5,074$3,722$2,702$658
27 years$8,645$6,431$4,712$3,407$2,436$554
28 years$8,246$6,060$4,380$3,121$2,198$467
29 years$7,876$5,717$4,076$2,862$1,985$394
30 years$7,532$5,399$3,797$2,627$1,794$333
31 years$7,210$5,104$3,540$2,413$1,622$281
32 years$6,909$4,830$3,303$2,217$1,467$237
33 years$6,626$4,574$3,084$2,039$1,328$200
34 years$6,361$4,335$2,881$1,876$1,202$169
35 years$6,112$4,111$2,694$1,727$1,089$142
36 years$5,876$3,902$2,520$1,590$986$120
37 years$5,655$3,706$2,359$1,465$894$102
38 years$5,445$3,522$2,209$1,351$810$86
39 years$5,247$3,349$2,069$1,245$735$72
40 years$5,058$3,187$1,940$1,149$667$61
41 years$4,880$3,033$1,819$1,060$605$52
42 years$4,711$2,889$1,706$978$549$44
43 years$4,550$2,753$1,601$903$498$37
44 years$4,396$2,624$1,503$834$452$31
45 years$4,250$2,502$1,411$770$410$26
46 years$4,111$2,387$1,325$711$373$22
47 years$3,978$2,278$1,245$657$338$19
48 years$3,850$2,174$1,170$607$307$16
49 years$3,729$2,076$1,100$561$279$13
50 years$3,612$1,984$1,034$519$253$11

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $3,700,000, adding $6,246 every year, while hoping to spend $52,164 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: 76/18/6 Blend
51$3,700,000$3,700,000$3,700,000$3,700,000
52$4,083,843$3,887,743$3,830,393$4,391,337
53$4,444,893$4,022,740$3,903,209$4,729,202
54$4,841,021$4,162,604$3,976,716$5,092,089
55$5,275,752$4,307,518$4,050,882$5,488,306
56$5,752,964$4,457,672$4,125,673$5,921,135
57$6,276,934$4,613,265$4,201,050$6,394,193
58$6,852,369$4,774,503$4,276,973$6,911,459
59$7,484,457$4,941,600$4,353,398$7,477,316
60$8,178,912$5,114,779$4,430,277$8,096,589
61$8,942,030$5,294,272$4,507,560$8,774,591
62$9,780,744$5,480,319$4,585,191$9,517,173
63$10,702,697$5,673,171$4,663,111$10,330,777
64$11,716,304$5,873,088$4,741,258$11,222,498
65$12,830,840$6,080,343$4,819,563$12,200,152
66$14,056,523$6,295,216$4,897,955$13,272,343
67$15,404,608$6,518,002$4,976,357$14,448,550
68$16,887,500$6,749,006$5,054,686$15,739,215
69$18,518,862$6,988,544$5,132,855$17,155,837
70$20,313,752$7,236,949$5,210,772$18,711,082
71$22,288,758$7,494,563$5,288,336$20,418,903
72$24,462,159$7,761,745$5,365,444$22,294,671
73$26,854,096$8,038,867$5,441,983$24,355,317
74$29,486,760$8,326,317$5,517,835$26,619,492
75$32,384,602$8,624,499$5,592,875$29,107,745
76$35,574,564$8,933,833$5,666,969$31,842,711
77$39,086,336$9,254,756$5,739,979$34,849,329
78$42,952,627$9,587,724$5,811,753$38,155,073
79$47,209,484$9,933,212$5,882,136$41,790,210
80$51,896,625$10,291,712$5,950,961$45,788,090
81$57,057,814$10,663,740$6,018,052$50,185,453
82$62,741,279$11,049,831$6,083,224$55,022,780
83$69,000,160$11,450,543$6,146,283$60,344,670
84$75,893,013$11,866,457$6,207,020$66,200,263
85$83,484,365$12,298,178$6,265,220$72,643,703
86$91,845,318$12,746,336$6,320,652$79,734,644
87$101,054,223$13,211,589$6,373,077$87,538,816
88$111,197,418$13,694,621$6,422,239$96,128,642
89$122,370,042$14,196,145$6,467,872$105,583,923
90$134,676,934$14,716,904$6,509,693$115,992,586
91$148,233,622$15,257,673$6,547,408$127,451,516
92$163,167,410$15,819,257$6,580,705$140,067,468
93$179,618,584$16,402,499$6,609,257$153,958,071
94$197,741,733$17,008,275$6,632,720$169,252,942
95$217,707,208$17,637,499$6,650,735$186,094,905
96$239,702,730$18,291,123$6,662,921$204,641,335
97$263,935,160$18,970,140$6,668,881$225,065,648
98$290,632,455$19,675,586$6,668,197$247,558,931
99$320,045,816$20,408,539$6,660,431$272,331,747
100$352,452,058$21,170,126$6,645,125$299,616,120