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

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 $3,900,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%20%
1 years$322,058$319,190$316,391$313,659$310,991$298,535
2 years$159,435$156,466$153,588$150,798$148,091$135,698
3 years$105,234$102,252$99,381$96,617$93,955$82,015
4 years$78,139$75,166$72,324$69,607$67,010$55,614
5 years$61,886$58,931$56,127$53,465$50,940$40,117
6 years$51,055$48,122$45,359$42,757$40,307$30,064
7 years$43,321$40,412$37,693$35,153$32,780$23,114
8 years$37,523$34,641$31,967$29,489$27,194$18,094
9 years$33,016$30,161$27,533$25,118$22,902$14,353
10 years$29,412$26,586$24,004$21,652$19,513$11,500
11 years$26,466$23,668$21,133$18,843$16,782$9,286
12 years$24,013$21,243$18,755$16,528$14,543$7,542
13 years$21,938$19,197$16,756$14,592$12,682$6,156
14 years$20,161$17,450$15,055$12,953$11,117$5,043
15 years$18,623$15,941$13,593$11,552$9,788$4,144
16 years$17,278$14,625$12,324$10,343$8,651$3,414
17 years$16,093$13,469$11,214$9,294$7,670$2,818
18 years$15,041$12,446$10,237$8,375$6,820$2,330
19 years$14,100$11,535$9,372$7,568$6,079$1,929
20 years$13,255$10,719$8,601$6,854$5,430$1,599
21 years$12,491$9,984$7,911$6,221$4,859$1,327
22 years$11,797$9,320$7,291$5,656$4,355$1,101
23 years$11,165$8,717$6,732$5,151$3,910$915
24 years$10,586$8,167$6,226$4,698$3,514$761
25 years$10,055$7,664$5,767$4,290$3,162$633
26 years$9,565$7,203$5,348$3,923$2,848$526
27 years$9,112$6,779$4,966$3,591$2,568$438
28 years$8,692$6,388$4,617$3,290$2,317$364
29 years$8,302$6,026$4,296$3,017$2,092$303
30 years$7,939$5,691$4,002$2,769$1,891$253
31 years$7,599$5,380$3,731$2,543$1,709$210
32 years$7,282$5,091$3,481$2,337$1,546$175
33 years$6,984$4,821$3,250$2,149$1,399$146
34 years$6,705$4,569$3,037$1,977$1,267$122
35 years$6,442$4,334$2,839$1,820$1,147$101
36 years$6,194$4,113$2,656$1,676$1,040$84
37 years$5,960$3,907$2,486$1,545$942$70
38 years$5,739$3,713$2,328$1,424$854$59
39 years$5,530$3,531$2,181$1,313$775$49
40 years$5,332$3,359$2,044$1,211$703$41
41 years$5,144$3,197$1,917$1,117$637$34
42 years$4,965$3,045$1,798$1,031$578$28
43 years$4,795$2,901$1,687$952$525$24
44 years$4,634$2,766$1,584$879$477$20
45 years$4,480$2,637$1,487$812$433$16
46 years$4,333$2,516$1,397$750$393$14
47 years$4,193$2,401$1,312$693$357$11
48 years$4,059$2,292$1,233$640$324$9
49 years$3,930$2,189$1,159$591$294$8
50 years$3,808$2,091$1,090$547$267$7

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 $4,249 every year, while hoping to spend $38,055 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: 54/16/30 Blend
51$3,900,000$3,900,000$3,900,000$3,900,000
52$4,302,183$4,095,483$4,035,033$4,498,271
53$4,700,515$4,255,671$4,129,716$4,794,828
54$5,138,202$4,422,434$4,226,296$5,113,313
55$5,619,217$4,596,051$4,324,796$5,459,332
56$6,147,939$4,776,820$4,425,238$5,835,545
57$6,729,191$4,965,046$4,527,645$6,244,881
58$7,368,286$5,161,051$4,632,039$6,690,565
59$8,071,080$5,365,171$4,738,441$7,176,141
60$8,844,023$5,577,757$4,846,871$7,705,515
61$9,694,220$5,799,174$4,957,349$8,282,983
62$10,629,504$6,029,807$5,069,893$8,913,274
63$11,658,500$6,270,054$5,184,521$9,601,596
64$12,790,715$6,520,334$5,301,251$10,353,680
65$14,036,621$6,781,084$5,420,096$11,175,837
66$15,407,760$7,052,761$5,541,072$12,075,016
67$16,916,846$7,335,840$5,664,193$13,058,868
68$18,577,889$7,630,822$5,789,469$14,135,817
69$20,406,329$7,938,226$5,916,910$15,315,141
70$22,419,174$8,258,599$6,046,526$16,607,056
71$24,635,168$8,592,509$6,178,323$18,022,815
72$27,074,965$8,940,552$6,312,307$19,574,809
73$29,761,322$9,303,349$6,448,480$21,276,686
74$32,719,315$9,681,552$6,586,842$23,143,479
75$35,976,578$10,075,840$6,727,394$25,191,745
76$39,563,558$10,486,926$6,870,131$27,439,721
77$43,513,807$10,915,551$7,015,047$29,907,497
78$47,864,297$11,362,495$7,162,132$32,617,201
79$52,655,767$11,828,569$7,311,375$35,593,210
80$57,933,110$12,314,624$7,462,762$38,862,377
81$63,745,796$12,821,549$7,616,273$42,454,283
82$70,148,336$13,350,274$7,771,887$46,401,518
83$77,200,800$13,901,771$7,929,579$50,739,983
84$84,969,382$14,477,058$8,089,320$55,509,230
85$93,527,023$15,077,198$8,251,076$60,752,835
86$102,954,102$15,703,304$8,414,810$66,518,804
87$113,339,195$16,356,539$8,580,480$72,860,028
88$124,779,905$17,038,123$8,748,039$79,834,782
89$137,383,792$17,749,327$8,917,434$87,507,268
90$151,269,379$18,491,485$9,088,609$95,948,224
91$166,567,279$19,265,990$9,261,500$105,235,589
92$183,421,419$20,074,302$9,436,039$115,455,236
93$201,990,406$20,917,945$9,612,149$126,701,781
94$222,449,021$21,798,517$9,789,749$139,079,475
95$244,989,865$22,717,689$9,968,749$152,703,186
96$269,825,183$23,677,207$10,149,054$167,699,478
97$297,188,864$24,678,902$10,330,559$184,207,811
98$327,338,647$25,724,688$10,513,153$202,381,846
99$360,558,559$26,816,568$10,696,713$222,390,901
100$397,161,591$27,956,638$10,881,111$244,421,543