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

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 $3,800,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.2%
1 years$313,800$311,005$308,278$305,616$303,017$295,332
2 years$155,347$152,454$149,650$146,931$144,294$136,602
3 years$102,536$99,630$96,833$94,140$91,546$84,087
4 years$76,135$73,239$70,470$67,823$65,291$58,122
5 years$60,299$57,420$54,687$52,094$49,633$42,775
6 years$49,745$46,888$44,196$41,660$39,273$32,731
7 years$42,210$39,376$36,727$34,251$31,940$25,716
8 years$36,561$33,753$31,147$28,732$26,497$20,588
9 years$32,169$29,388$26,827$24,474$22,314$16,715
10 years$28,658$25,904$23,388$21,097$19,013$13,716
11 years$25,787$23,061$20,591$18,360$16,352$11,350
12 years$23,397$20,698$18,274$16,104$14,170$9,455
13 years$21,376$18,705$16,326$14,218$12,357$7,919
14 years$19,645$17,002$14,669$12,621$10,832$6,661
15 years$18,146$15,532$13,244$11,256$9,537$5,623
16 years$16,835$14,250$12,008$10,078$8,429$4,761
17 years$15,681$13,124$10,927$9,055$7,474$4,041
18 years$14,655$12,127$9,975$8,161$6,645$3,438
19 years$13,739$11,239$9,131$7,374$5,923$2,929
20 years$12,915$10,444$8,380$6,678$5,291$2,499
21 years$12,171$9,728$7,708$6,061$4,734$2,135
22 years$11,495$9,081$7,104$5,511$4,244$1,826
23 years$10,879$8,493$6,560$5,019$3,809$1,563
24 years$10,315$7,958$6,067$4,578$3,424$1,339
25 years$9,797$7,468$5,619$4,180$3,081$1,148
26 years$9,320$7,019$5,211$3,822$2,775$985
27 years$8,878$6,605$4,839$3,499$2,502$845
28 years$8,469$6,224$4,499$3,206$2,258$725
29 years$8,089$5,872$4,186$2,940$2,039$623
30 years$7,735$5,545$3,899$2,698$1,842$535
31 years$7,405$5,242$3,635$2,478$1,665$460
32 years$7,095$4,960$3,392$2,277$1,507$395
33 years$6,805$4,697$3,167$2,094$1,363$340
34 years$6,533$4,452$2,959$1,927$1,234$292
35 years$6,277$4,223$2,766$1,774$1,118$251
36 years$6,035$4,008$2,588$1,633$1,013$216
37 years$5,807$3,807$2,422$1,505$918$186
38 years$5,592$3,618$2,268$1,387$832$160
39 years$5,388$3,440$2,125$1,279$755$137
40 years$5,195$3,273$1,992$1,180$685$118
41 years$5,012$3,115$1,868$1,088$621$102
42 years$4,838$2,967$1,752$1,005$564$87
43 years$4,672$2,827$1,644$927$512$75
44 years$4,515$2,695$1,543$856$464$65
45 years$4,365$2,570$1,449$791$421$56
46 years$4,222$2,451$1,361$730$383$48
47 years$4,085$2,339$1,279$675$348$41
48 years$3,954$2,233$1,202$624$316$36
49 years$3,830$2,133$1,129$576$287$31
50 years$3,710$2,037$1,062$533$260$26

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 $6,755 every year, while hoping to spend $28,745 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: 66/27/7 Blend
51$3,800,000$3,800,000$3,800,000$3,800,000
52$4,194,568$3,993,168$3,934,268$4,465,825
53$4,591,829$4,158,249$4,035,481$4,811,952
54$5,028,648$4,330,455$4,139,122$5,186,011
55$5,509,028$4,510,106$4,245,241$5,594,043
56$6,037,383$4,697,534$4,353,890$6,039,356
57$6,618,572$4,893,089$4,465,121$6,525,588
58$7,257,951$5,097,136$4,578,988$7,056,742
59$7,961,423$5,310,056$4,695,544$7,637,222
60$8,735,487$5,532,248$4,814,845$8,271,873
61$9,587,310$5,764,131$4,936,945$8,966,030
62$10,524,784$6,006,142$5,061,901$9,725,560
63$11,556,606$6,258,737$5,189,769$10,556,924
64$12,692,361$6,522,396$5,320,607$11,467,232
65$13,942,607$6,797,619$5,454,473$12,464,309
66$15,318,981$7,084,931$5,591,426$13,556,772
67$16,834,303$7,384,878$5,731,525$14,754,106
68$18,502,701$7,698,036$5,874,830$16,066,751
69$20,339,742$8,025,005$6,021,401$17,506,205
70$22,362,578$8,366,412$6,171,301$19,085,127
71$24,590,111$8,722,917$6,324,589$20,817,454
72$27,043,168$9,095,206$6,481,329$22,718,534
73$29,744,701$9,484,001$6,641,584$24,805,269
74$32,719,999$9,890,055$6,805,415$27,096,270
75$35,996,929$10,314,158$6,972,887$29,612,035
76$39,606,200$10,757,136$7,144,063$32,375,137
77$43,581,651$11,219,854$7,319,007$35,410,436
78$47,960,570$11,703,218$7,497,785$38,745,316
79$52,784,046$12,208,174$7,680,459$42,409,935
80$58,097,360$12,735,715$7,867,095$46,437,510
81$63,950,405$13,286,880$8,057,757$50,864,632
82$70,398,166$13,862,756$8,252,511$55,731,602
83$77,501,229$14,464,481$8,451,421$61,082,816
84$85,326,362$15,093,249$8,654,551$66,967,175
85$93,947,140$15,750,306$8,861,967$73,438,552
86$103,444,637$16,436,960$9,073,732$80,556,288
87$113,908,198$17,154,579$9,289,910$88,385,758
88$125,436,277$17,904,596$9,510,564$96,998,980
89$138,137,367$18,688,512$9,735,758$106,475,294
90$152,131,026$19,507,896$9,965,554$116,902,104
91$167,549,003$20,364,396$10,200,013$128,375,707
92$184,536,483$21,259,733$10,439,195$141,002,191
93$203,253,457$22,195,712$10,683,160$154,898,435
94$223,876,231$23,174,224$10,931,968$170,193,211
95$246,599,092$24,197,246$11,185,674$187,028,392
96$271,636,141$25,266,853$11,444,336$205,560,290
97$299,223,313$26,385,214$11,708,006$225,961,123
98$329,620,605$27,554,604$11,976,739$248,420,642
99$363,114,531$28,777,404$12,250,584$273,147,912
100$400,020,826$30,056,109$12,529,591$300,373,284