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%16%
1 years$305,543$302,821$300,166$297,574$295,043$287,794
2 years$151,259$148,442$145,711$143,064$140,497$133,238
3 years$99,837$97,008$94,285$91,663$89,137$82,095
4 years$74,132$71,311$68,615$66,038$63,573$56,803
5 years$58,713$55,909$53,248$50,723$48,327$41,848
6 years$48,436$45,654$43,033$40,564$38,240$32,057
7 years$41,099$38,340$35,760$33,350$31,099$25,214
8 years$35,599$32,864$30,328$27,976$25,800$20,210
9 years$31,323$28,614$26,121$23,830$21,727$16,428
10 years$27,904$25,222$22,773$20,541$18,513$13,498
11 years$25,109$22,454$20,049$17,877$15,921$11,184
12 years$22,781$20,153$17,793$15,681$13,797$9,329
13 years$20,813$18,213$15,897$13,844$12,031$7,823
14 years$19,128$16,555$14,283$12,289$10,547$6,590
15 years$17,668$15,123$12,896$10,960$9,286$5,571
16 years$16,392$13,875$11,692$9,813$8,207$4,724
17 years$15,268$12,779$10,639$8,817$7,277$4,015
18 years$14,269$11,808$9,712$7,946$6,470$3,420
19 years$13,377$10,944$8,891$7,180$5,767$2,919
20 years$12,575$10,169$8,160$6,503$5,151$2,494
21 years$11,850$9,472$7,506$5,902$4,610$2,134
22 years$11,192$8,842$6,917$5,366$4,132$1,828
23 years$10,593$8,270$6,387$4,887$3,709$1,567
24 years$10,044$7,748$5,907$4,457$3,334$1,345
25 years$9,539$7,271$5,471$4,070$3,000$1,155
26 years$9,074$6,834$5,074$3,722$2,702$992
27 years$8,645$6,431$4,712$3,407$2,436$853
28 years$8,246$6,060$4,380$3,121$2,198$733
29 years$7,876$5,717$4,076$2,862$1,985$631
30 years$7,532$5,399$3,797$2,627$1,794$543
31 years$7,210$5,104$3,540$2,413$1,622$467
32 years$6,909$4,830$3,303$2,217$1,467$402
33 years$6,626$4,574$3,084$2,039$1,328$346
34 years$6,361$4,335$2,881$1,876$1,202$298
35 years$6,112$4,111$2,694$1,727$1,089$257
36 years$5,876$3,902$2,520$1,590$986$221
37 years$5,655$3,706$2,359$1,465$894$191
38 years$5,445$3,522$2,209$1,351$810$164
39 years$5,247$3,349$2,069$1,245$735$141
40 years$5,058$3,187$1,940$1,149$667$122
41 years$4,880$3,033$1,819$1,060$605$105
42 years$4,711$2,889$1,706$978$549$91
43 years$4,550$2,753$1,601$903$498$78
44 years$4,396$2,624$1,503$834$452$67
45 years$4,250$2,502$1,411$770$410$58
46 years$4,111$2,387$1,325$711$373$50
47 years$3,978$2,278$1,245$657$338$43
48 years$3,850$2,174$1,170$607$307$37
49 years$3,729$2,076$1,100$561$279$32
50 years$3,612$1,984$1,034$519$253$28

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 $2,793 every year, while hoping to spend $30,896 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: 43/41/16 Blend
51$3,700,000$3,700,000$3,700,000$3,700,000
52$4,080,281$3,884,181$3,826,831$4,236,634
53$4,463,597$4,041,633$3,922,157$4,504,232
54$4,884,975$4,205,764$4,019,640$4,790,689
55$5,348,265$4,376,870$4,119,322$5,100,372
56$5,857,710$4,555,258$4,221,240$5,435,430
57$6,417,982$4,741,251$4,325,437$5,798,223
58$7,034,228$4,935,185$4,431,952$6,191,341
59$7,712,123$5,137,412$4,540,826$6,617,632
60$8,457,916$5,348,302$4,652,100$7,080,221
61$9,278,493$5,568,238$4,765,815$7,582,546
62$10,181,442$5,797,625$4,882,012$8,128,380
63$11,175,123$6,036,882$5,000,733$8,721,874
64$12,268,747$6,286,451$5,122,019$9,367,590
65$13,472,464$6,546,792$5,245,912$10,070,542
66$14,797,459$6,818,387$5,372,453$10,836,243
67$16,256,052$7,101,742$5,501,683$11,670,757
68$17,861,824$7,397,381$5,633,644$12,580,751
69$19,629,736$7,705,859$5,768,377$13,573,561
70$21,576,274$8,027,751$5,905,922$14,657,252
71$23,719,604$8,363,661$6,046,321$15,840,700
72$26,079,745$8,714,221$6,189,614$17,133,669
73$28,678,753$9,080,092$6,335,840$18,546,902
74$31,540,934$9,461,965$6,485,039$20,092,220
75$34,693,072$9,860,564$6,637,250$21,782,632
76$38,164,679$10,276,645$6,792,512$23,632,457
77$41,988,277$10,711,001$6,950,862$25,657,450
78$46,199,702$11,164,461$7,112,337$27,874,957
79$50,838,444$11,637,892$7,276,972$30,304,069
80$55,948,018$12,132,202$7,444,804$32,965,803
81$61,576,377$12,648,341$7,615,866$35,883,296
82$67,776,360$13,187,303$7,790,190$39,082,020
83$74,606,197$13,750,128$7,967,809$42,590,019
84$82,130,051$14,337,906$8,148,753$46,438,173
85$90,418,630$14,951,778$8,333,050$50,660,482
86$99,549,850$15,592,935$8,520,727$55,294,385
87$109,609,574$16,262,627$8,711,810$60,381,111
88$120,692,416$16,962,162$8,906,322$65,966,060
89$132,902,643$17,692,908$9,104,284$72,099,232
90$146,355,150$18,456,298$9,305,715$78,835,692
91$161,176,551$19,253,832$9,510,632$86,236,083
92$177,506,369$20,087,080$9,719,048$94,367,200
93$195,498,358$20,957,687$9,930,976$103,302,608
94$215,321,950$21,867,372$10,146,423$113,123,336
95$237,163,855$22,817,940$10,365,394$123,918,635
96$261,229,825$23,811,275$10,587,891$135,786,816
97$287,746,594$24,849,355$10,813,912$148,836,167
98$316,964,020$25,934,247$11,043,452$163,185,976
99$349,157,444$27,068,118$11,276,501$178,967,645
100$384,630,283$28,253,237$11,513,045$196,325,926