Can I retire at age 52 with 4,000,000?

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 $4,000,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14%
1 years$330,316$327,374$324,503$321,702$318,966$313,681
2 years$163,523$160,477$157,526$154,664$151,888$146,580
3 years$107,932$104,874$101,930$99,095$96,364$91,197
4 years$80,143$77,093$74,179$71,392$68,728$63,742
5 years$63,473$60,442$57,566$54,836$52,246$47,455
6 years$52,364$49,356$46,522$43,853$41,340$36,750
7 years$44,431$41,449$38,660$36,054$33,621$29,233
8 years$38,485$35,529$32,787$30,245$27,892$23,705
9 years$33,863$30,935$28,239$25,762$23,489$19,501
10 years$30,167$27,267$24,619$22,207$20,014$16,222
11 years$27,145$24,274$21,675$19,327$17,212$13,612
12 years$24,628$21,787$19,236$16,952$14,916$11,502
13 years$22,501$19,689$17,186$14,966$13,007$9,775
14 years$20,678$17,897$15,441$13,285$11,402$8,347
15 years$19,101$16,349$13,942$11,848$10,039$7,155
16 years$17,722$15,000$12,640$10,609$8,873$6,153
17 years$16,506$13,815$11,502$9,532$7,867$5,306
18 years$15,426$12,765$10,500$8,590$6,995$4,586
19 years$14,462$11,831$9,612$7,762$6,235$3,972
20 years$13,595$10,994$8,821$7,030$5,569$3,446
21 years$12,811$10,240$8,114$6,380$4,984$2,994
22 years$12,100$9,559$7,478$5,801$4,467$2,605
23 years$11,451$8,940$6,905$5,283$4,010$2,268
24 years$10,858$8,376$6,386$4,818$3,604$1,977
25 years$10,313$7,861$5,915$4,400$3,243$1,725
26 years$9,810$7,388$5,486$4,024$2,921$1,506
27 years$9,346$6,953$5,094$3,683$2,634$1,315
28 years$8,915$6,552$4,735$3,374$2,377$1,149
29 years$8,515$6,181$4,407$3,094$2,146$1,005
30 years$8,142$5,837$4,105$2,840$1,939$879
31 years$7,794$5,518$3,827$2,608$1,753$769
32 years$7,469$5,221$3,570$2,397$1,586$673
33 years$7,163$4,945$3,334$2,204$1,435$590
34 years$6,877$4,686$3,115$2,028$1,299$516
35 years$6,607$4,445$2,912$1,867$1,177$452
36 years$6,353$4,219$2,724$1,719$1,066$396
37 years$6,113$4,007$2,550$1,584$966$347
38 years$5,886$3,808$2,388$1,460$876$304
39 years$5,672$3,621$2,237$1,346$795$267
40 years$5,469$3,445$2,097$1,242$721$234
41 years$5,276$3,279$1,966$1,146$654$205
42 years$5,093$3,123$1,844$1,057$593$180
43 years$4,918$2,976$1,731$976$538$157
44 years$4,753$2,837$1,624$901$489$138
45 years$4,595$2,705$1,525$832$444$121
46 years$4,444$2,580$1,433$769$403$106
47 years$4,300$2,462$1,346$710$366$93
48 years$4,163$2,351$1,265$656$332$82
49 years$4,031$2,245$1,189$607$302$72
50 years$3,905$2,144$1,118$561$274$63

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $4,000,000, adding $2,157 every year, while hoping to spend $29,476 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: 54/39/7 Blend
51$4,000,000$4,000,000$4,000,000$4,000,000
52$4,410,225$4,198,225$4,136,225$4,641,037
53$4,828,706$4,372,576$4,243,426$4,971,722
54$5,288,883$4,554,482$4,353,231$5,328,003
55$5,794,980$4,744,282$4,465,695$5,715,035
56$6,351,648$4,942,332$4,580,875$6,135,734
57$6,964,012$5,149,001$4,698,830$6,593,306
58$7,637,718$5,364,680$4,819,618$7,091,275
59$8,378,989$5,589,772$4,943,299$7,633,514
60$9,194,679$5,824,705$5,069,933$8,224,281
61$10,092,342$6,069,921$5,199,581$8,868,256
62$11,080,301$6,325,887$5,332,307$9,570,588
63$12,167,726$6,593,090$5,468,174$10,336,937
64$13,364,720$6,872,038$5,607,244$11,173,530
65$14,682,419$7,163,265$5,749,584$12,087,214
66$16,133,090$7,467,329$5,895,259$13,085,523
67$17,730,250$7,784,813$6,044,336$14,176,745
68$19,488,796$8,116,330$6,196,881$15,370,000
69$21,425,141$8,462,517$6,352,964$16,675,321
70$23,557,370$8,824,045$6,512,653$18,103,749
71$25,905,412$9,201,614$6,676,018$19,667,436
72$28,491,229$9,595,957$6,843,129$21,379,756
73$31,339,018$10,007,843$7,014,057$23,255,426
74$34,475,444$10,438,074$7,188,874$25,310,650
75$37,929,891$10,887,491$7,367,653$27,563,263
76$41,734,737$11,356,975$7,550,467$30,032,896
77$45,925,661$11,847,448$7,737,388$32,741,166
78$50,541,980$12,359,874$7,928,492$35,711,868
79$55,627,018$12,895,264$8,123,853$38,971,204
80$61,228,518$13,454,676$8,323,546$42,548,021
81$67,399,088$14,039,217$8,527,646$46,474,086
82$74,196,702$14,650,045$8,736,229$50,784,376
83$81,685,244$15,288,376$8,949,372$55,517,411
84$89,935,113$15,955,480$9,167,149$60,715,609
85$99,023,884$16,652,688$9,389,639$66,425,683
86$109,037,045$17,381,395$9,616,916$72,699,082
87$120,068,799$18,143,059$9,849,058$79,592,468
88$132,222,956$18,939,208$10,086,141$87,168,245
89$145,613,912$19,771,444$10,328,242$95,495,150
90$160,367,728$20,641,442$10,575,435$104,648,890
91$176,623,322$21,550,958$10,827,797$114,712,856
92$194,533,775$22,501,830$11,085,403$125,778,902
93$214,267,784$23,495,982$11,348,328$137,948,208
94$236,011,245$24,535,433$11,616,644$151,332,230
95$259,969,016$25,622,294$11,890,426$166,053,742
96$286,366,846$26,758,776$12,169,745$182,247,994
97$315,453,505$27,947,197$12,454,672$200,063,978
98$347,503,137$29,189,984$12,745,278$219,665,829
99$382,817,842$30,489,678$13,041,630$241,234,367
100$421,730,533$31,848,943$13,343,796$264,968,795