Can I retire at age 52 with 3,800,000?

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 $3,800,000?

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 years$313,800$311,005$308,278$305,616$303,017$292,034
2 years$155,347$152,454$149,650$146,931$144,294$133,349
3 years$102,536$99,630$96,833$94,140$91,546$80,983
4 years$76,135$73,239$70,470$67,823$65,291$55,192
5 years$60,299$57,420$54,687$52,094$49,633$40,023
6 years$49,745$46,888$44,196$41,660$39,273$30,160
7 years$42,210$39,376$36,727$34,251$31,940$23,320
8 years$36,561$33,753$31,147$28,732$26,497$18,365
9 years$32,169$29,388$26,827$24,474$22,314$14,658
10 years$28,658$25,904$23,388$21,097$19,013$11,819
11 years$25,787$23,061$20,591$18,360$16,352$9,605
12 years$23,397$20,698$18,274$16,104$14,170$7,855
13 years$21,376$18,705$16,326$14,218$12,357$6,455
14 years$19,645$17,002$14,669$12,621$10,832$5,325
15 years$18,146$15,532$13,244$11,256$9,537$4,407
16 years$16,835$14,250$12,008$10,078$8,429$3,657
17 years$15,681$13,124$10,927$9,055$7,474$3,041
18 years$14,655$12,127$9,975$8,161$6,645$2,534
19 years$13,739$11,239$9,131$7,374$5,923$2,114
20 years$12,915$10,444$8,380$6,678$5,291$1,765
21 years$12,171$9,728$7,708$6,061$4,734$1,476
22 years$11,495$9,081$7,104$5,511$4,244$1,235
23 years$10,879$8,493$6,560$5,019$3,809$1,034
24 years$10,315$7,958$6,067$4,578$3,424$867
25 years$9,797$7,468$5,619$4,180$3,081$726
26 years$9,320$7,019$5,211$3,822$2,775$609
27 years$8,878$6,605$4,839$3,499$2,502$511
28 years$8,469$6,224$4,499$3,206$2,258$429
29 years$8,089$5,872$4,186$2,940$2,039$360
30 years$7,735$5,545$3,899$2,698$1,842$302
31 years$7,405$5,242$3,635$2,478$1,665$254
32 years$7,095$4,960$3,392$2,277$1,507$213
33 years$6,805$4,697$3,167$2,094$1,363$179
34 years$6,533$4,452$2,959$1,927$1,234$150
35 years$6,277$4,223$2,766$1,774$1,118$126
36 years$6,035$4,008$2,588$1,633$1,013$106
37 years$5,807$3,807$2,422$1,505$918$89
38 years$5,592$3,618$2,268$1,387$832$75
39 years$5,388$3,440$2,125$1,279$755$63
40 years$5,195$3,273$1,992$1,180$685$53
41 years$5,012$3,115$1,868$1,088$621$44
42 years$4,838$2,967$1,752$1,005$564$37
43 years$4,672$2,827$1,644$927$512$31
44 years$4,515$2,695$1,543$856$464$26
45 years$4,365$2,570$1,449$791$421$22
46 years$4,222$2,451$1,361$730$383$19
47 years$4,085$2,339$1,279$675$348$16
48 years$3,954$2,233$1,202$624$316$13
49 years$3,830$2,133$1,129$576$287$11
50 years$3,710$2,037$1,062$533$260$9

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $3,800,000, adding $5,901 every year, while hoping to spend $22,187 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: 70/5/25 Blend
51$3,800,000$3,800,000$3,800,000$3,800,000
52$4,193,687$3,992,287$3,933,387$4,460,194
53$4,597,836$4,164,302$4,041,549$4,811,365
54$5,042,465$4,344,003$4,152,590$5,192,528
55$5,531,679$4,531,741$4,266,584$5,609,271
56$6,070,002$4,727,888$4,383,606$6,065,122
57$6,662,417$4,932,830$4,503,732$6,563,965
58$7,314,417$5,146,972$4,627,041$7,110,078
59$8,032,053$5,370,738$4,753,612$7,708,173
60$8,821,991$5,604,574$4,883,527$8,363,437
61$9,691,580$5,848,943$5,016,871$9,081,583
62$10,648,913$6,104,334$5,153,728$9,868,905
63$11,702,912$6,371,256$5,294,187$10,732,331
64$12,863,404$6,650,243$5,438,338$11,679,496
65$14,141,221$6,941,854$5,586,272$12,718,807
66$15,548,296$7,246,675$5,738,082$13,859,526
67$17,097,780$7,565,320$5,893,866$15,111,852
68$18,804,163$7,898,431$6,053,720$16,487,025
69$20,683,413$8,246,679$6,217,745$17,997,422
70$22,753,126$8,610,771$6,386,044$19,656,679
71$25,032,689$8,991,443$6,558,721$21,479,819
72$27,543,468$9,389,468$6,735,883$23,483,392
73$30,309,006$9,805,657$6,917,639$25,685,628
74$33,355,246$10,240,856$7,104,102$28,106,615
75$36,710,777$10,695,953$7,295,385$30,768,481
76$40,407,100$11,171,879$7,491,604$33,695,607
77$44,478,931$11,669,607$7,692,879$36,914,852
78$48,964,523$12,190,159$7,899,332$40,455,812
79$53,906,031$12,734,604$8,111,086$44,351,092
80$59,349,908$13,304,061$8,328,269$48,636,618
81$65,347,341$13,899,703$8,551,009$53,351,971
82$71,954,741$14,522,759$8,779,439$58,540,765
83$79,234,268$15,174,517$9,013,693$64,251,052
84$87,254,421$15,856,326$9,253,910$70,535,780
85$96,090,685$16,569,599$9,500,228$77,453,288
86$105,826,241$17,315,816$9,752,793$85,067,856
87$116,552,755$18,096,528$10,011,748$93,450,315
88$128,371,238$18,913,361$10,277,245$102,678,710
89$141,393,006$19,768,017$10,549,433$112,839,035
90$155,740,722$20,662,279$10,828,469$124,026,051
91$171,549,563$21,598,018$11,114,510$136,344,168
92$188,968,489$22,577,192$11,407,717$149,908,442
93$208,161,653$23,601,852$11,708,254$164,845,648
94$229,309,949$24,674,150$12,016,287$181,295,485
95$252,612,719$25,796,339$12,331,988$199,411,888
96$278,289,636$26,970,779$12,655,529$219,364,480
97$306,582,776$28,199,944$12,987,087$241,340,177
98$337,758,906$29,486,428$13,326,841$265,544,943
99$372,111,999$30,832,948$13,674,975$292,205,740
100$409,966,011$32,242,350$14,031,674$321,572,664