Can I retire at age 52 with 3,900,000?

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 $3,900,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.2%
1 years$322,058$319,190$316,391$313,659$310,991$300,676
2 years$159,435$156,466$153,588$150,798$148,091$137,798
3 years$105,234$102,252$99,381$96,617$93,955$84,008
4 years$78,139$75,166$72,324$69,607$67,010$57,485
5 years$61,886$58,931$56,127$53,465$50,940$41,862
6 years$51,055$48,122$45,359$42,757$40,307$31,684
7 years$43,321$40,412$37,693$35,153$32,780$24,612
8 years$37,523$34,641$31,967$29,489$27,194$19,473
9 years$33,016$30,161$27,533$25,118$22,902$15,619
10 years$29,412$26,586$24,004$21,652$19,513$12,658
11 years$26,466$23,668$21,133$18,843$16,782$10,341
12 years$24,013$21,243$18,755$16,528$14,543$8,501
13 years$21,938$19,197$16,756$14,592$12,682$7,024
14 years$20,161$17,450$15,055$12,953$11,117$5,827
15 years$18,623$15,941$13,593$11,552$9,788$4,851
16 years$17,278$14,625$12,324$10,343$8,651$4,048
17 years$16,093$13,469$11,214$9,294$7,670$3,386
18 years$15,041$12,446$10,237$8,375$6,820$2,838
19 years$14,100$11,535$9,372$7,568$6,079$2,382
20 years$13,255$10,719$8,601$6,854$5,430$2,002
21 years$12,491$9,984$7,911$6,221$4,859$1,684
22 years$11,797$9,320$7,291$5,656$4,355$1,418
23 years$11,165$8,717$6,732$5,151$3,910$1,195
24 years$10,586$8,167$6,226$4,698$3,514$1,008
25 years$10,055$7,664$5,767$4,290$3,162$850
26 years$9,565$7,203$5,348$3,923$2,848$717
27 years$9,112$6,779$4,966$3,591$2,568$606
28 years$8,692$6,388$4,617$3,290$2,317$512
29 years$8,302$6,026$4,296$3,017$2,092$432
30 years$7,939$5,691$4,002$2,769$1,891$365
31 years$7,599$5,380$3,731$2,543$1,709$309
32 years$7,282$5,091$3,481$2,337$1,546$261
33 years$6,984$4,821$3,250$2,149$1,399$221
34 years$6,705$4,569$3,037$1,977$1,267$186
35 years$6,442$4,334$2,839$1,820$1,147$158
36 years$6,194$4,113$2,656$1,676$1,040$133
37 years$5,960$3,907$2,486$1,545$942$113
38 years$5,739$3,713$2,328$1,424$854$95
39 years$5,530$3,531$2,181$1,313$775$81
40 years$5,332$3,359$2,044$1,211$703$68
41 years$5,144$3,197$1,917$1,117$637$58
42 years$4,965$3,045$1,798$1,031$578$49
43 years$4,795$2,901$1,687$952$525$41
44 years$4,634$2,766$1,584$879$477$35
45 years$4,480$2,637$1,487$812$433$30
46 years$4,333$2,516$1,397$750$393$25
47 years$4,193$2,401$1,312$693$357$21
48 years$4,059$2,292$1,233$640$324$18
49 years$3,930$2,189$1,159$591$294$15
50 years$3,808$2,091$1,090$547$267$13

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $3,900,000, adding $4,077 every year, while hoping to spend $58,341 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: 80/12/8 Blend
51$3,900,000$3,900,000$3,900,000$3,900,000
52$4,302,005$4,095,305$4,034,855$4,641,388
53$4,678,736$4,233,901$4,107,949$5,002,979
54$5,091,937$4,377,332$4,181,535$5,391,572
55$5,545,268$4,525,775$4,255,570$5,816,218
56$6,042,758$4,679,411$4,330,005$6,280,487
57$6,588,846$4,838,429$4,404,787$6,788,312
58$7,188,422$5,003,025$4,479,860$7,344,024
59$7,846,871$5,173,403$4,555,165$7,952,392
60$8,570,126$5,349,775$4,630,638$8,618,668
61$9,364,724$5,532,359$4,706,210$9,348,636
62$10,237,866$5,721,384$4,781,807$10,148,668
63$11,197,482$5,917,086$4,857,352$11,025,781
64$12,252,313$6,119,711$4,932,761$11,987,701
65$13,411,987$6,329,515$5,007,946$13,042,944
66$14,687,110$6,546,762$5,082,813$14,200,886
67$16,089,370$6,771,728$5,157,262$15,471,856
68$17,631,642$7,004,698$5,231,186$16,867,233
69$19,328,111$7,245,971$5,304,473$18,399,552
70$21,194,409$7,495,854$5,377,004$20,082,622
71$23,247,757$7,754,668$5,448,651$21,931,655
72$25,507,129$8,022,748$5,519,282$23,963,411
73$27,993,432$8,300,438$5,588,753$26,196,353
74$30,729,702$8,588,100$5,656,916$28,650,823
75$33,741,321$8,886,106$5,723,613$31,349,232
76$37,056,257$9,194,846$5,788,675$34,316,272
77$40,705,325$9,514,724$5,851,926$37,579,147
78$44,722,483$9,846,160$5,913,180$41,167,830
79$49,145,145$10,189,591$5,972,240$45,115,345
80$54,014,539$10,545,470$6,028,899$49,458,081
81$59,376,094$10,914,270$6,082,939$54,236,127
82$65,279,868$11,296,481$6,134,130$59,493,660
83$71,781,020$11,692,614$6,182,229$65,279,351
84$78,940,331$12,103,200$6,226,981$71,646,831
85$86,824,779$12,528,791$6,268,119$78,655,196
86$95,508,165$12,969,960$6,305,359$86,369,558
87$105,071,814$13,427,305$6,338,406$94,861,665
88$115,605,344$13,901,447$6,366,946$104,210,575
89$127,207,503$14,393,032$6,390,654$114,503,402
90$139,987,111$14,902,734$6,409,183$125,836,136
91$154,064,080$15,431,250$6,422,174$138,314,550
92$169,570,544$15,979,310$6,429,245$152,055,197
93$186,652,114$16,547,671$6,429,999$167,186,508
94$205,469,243$17,137,120$6,424,018$183,850,004
95$226,198,746$17,748,479$6,410,862$202,201,632
96$249,035,465$18,382,601$6,390,073$222,413,236
97$274,194,109$19,040,375$6,361,167$244,674,177
98$301,911,281$19,722,727$6,323,639$269,193,117
99$332,447,710$20,430,619$6,276,959$296,199,995
100$366,090,711$21,165,054$6,220,572$325,948,188