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

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 $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%14.3%
1 years$330,316$327,374$324,503$321,702$318,966$313,295
2 years$163,523$160,477$157,526$154,664$151,888$146,195
3 years$107,932$104,874$101,930$99,095$96,364$90,825
4 years$80,143$77,093$74,179$71,392$68,728$63,385
5 years$63,473$60,442$57,566$54,836$52,246$47,115
6 years$52,364$49,356$46,522$43,853$41,340$36,428
7 years$44,431$41,449$38,660$36,054$33,621$28,928
8 years$38,485$35,529$32,787$30,245$27,892$23,417
9 years$33,863$30,935$28,239$25,762$23,489$19,230
10 years$30,167$27,267$24,619$22,207$20,014$15,967
11 years$27,145$24,274$21,675$19,327$17,212$13,373
12 years$24,628$21,787$19,236$16,952$14,916$11,278
13 years$22,501$19,689$17,186$14,966$13,007$9,566
14 years$20,678$17,897$15,441$13,285$11,402$8,152
15 years$19,101$16,349$13,942$11,848$10,039$6,973
16 years$17,722$15,000$12,640$10,609$8,873$5,984
17 years$16,506$13,815$11,502$9,532$7,867$5,149
18 years$15,426$12,765$10,500$8,590$6,995$4,441
19 years$14,462$11,831$9,612$7,762$6,235$3,838
20 years$13,595$10,994$8,821$7,030$5,569$3,322
21 years$12,811$10,240$8,114$6,380$4,984$2,880
22 years$12,100$9,559$7,478$5,801$4,467$2,499
23 years$11,451$8,940$6,905$5,283$4,010$2,172
24 years$10,858$8,376$6,386$4,818$3,604$1,888
25 years$10,313$7,861$5,915$4,400$3,243$1,644
26 years$9,810$7,388$5,486$4,024$2,921$1,431
27 years$9,346$6,953$5,094$3,683$2,634$1,247
28 years$8,915$6,552$4,735$3,374$2,377$1,087
29 years$8,515$6,181$4,407$3,094$2,146$949
30 years$8,142$5,837$4,105$2,840$1,939$828
31 years$7,794$5,518$3,827$2,608$1,753$722
32 years$7,469$5,221$3,570$2,397$1,586$631
33 years$7,163$4,945$3,334$2,204$1,435$551
34 years$6,877$4,686$3,115$2,028$1,299$481
35 years$6,607$4,445$2,912$1,867$1,177$420
36 years$6,353$4,219$2,724$1,719$1,066$367
37 years$6,113$4,007$2,550$1,584$966$321
38 years$5,886$3,808$2,388$1,460$876$281
39 years$5,672$3,621$2,237$1,346$795$245
40 years$5,469$3,445$2,097$1,242$721$215
41 years$5,276$3,279$1,966$1,146$654$188
42 years$5,093$3,123$1,844$1,057$593$164
43 years$4,918$2,976$1,731$976$538$143
44 years$4,753$2,837$1,624$901$489$125
45 years$4,595$2,705$1,525$832$444$110
46 years$4,444$2,580$1,433$769$403$96
47 years$4,300$2,462$1,346$710$366$84
48 years$4,163$2,351$1,265$656$332$73
49 years$4,031$2,245$1,189$607$302$64
50 years$3,905$2,144$1,118$561$274$56

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 $6,673 every year, while hoping to spend $22,423 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: 49/46/5 Blend
51$4,000,000$4,000,000$4,000,000$4,000,000
52$4,414,883$4,202,883$4,140,883$4,625,477
53$4,841,343$4,384,967$4,255,745$4,951,836
54$5,310,551$4,575,221$4,373,703$5,303,155
55$5,826,843$4,774,022$4,494,837$5,684,189
56$6,394,996$4,981,765$4,619,230$6,097,712
57$7,020,277$5,198,862$4,746,965$6,546,771
58$7,708,485$5,425,746$4,878,129$7,034,712
59$8,466,013$5,662,871$5,012,809$7,565,209
60$9,299,904$5,910,709$5,151,095$8,142,298
61$10,217,918$6,169,757$5,293,081$8,770,414
62$11,228,606$6,440,535$5,438,859$9,454,432
63$12,341,391$6,723,589$5,588,528$10,199,706
64$13,566,655$7,019,487$5,742,186$11,012,123
65$14,915,839$7,328,827$5,899,934$11,898,154
66$16,401,549$7,652,234$6,061,877$12,864,914
67$18,037,677$7,990,363$6,228,120$13,920,226
68$19,839,530$8,343,901$6,398,771$15,072,691
69$21,823,975$8,713,565$6,573,944$16,331,770
70$24,009,600$9,100,109$6,753,749$17,707,869
71$26,416,884$9,504,320$6,938,306$19,212,434
72$29,068,399$9,927,024$7,127,731$20,858,056
73$31,989,013$10,369,085$7,322,147$22,658,589
74$35,206,132$10,831,410$7,521,679$24,629,274
75$38,749,956$11,314,948$7,726,454$26,786,883
76$42,653,763$11,820,692$7,936,602$29,149,872
77$46,954,225$12,349,684$8,152,256$31,738,553
78$51,691,752$12,903,015$8,373,553$34,575,280
79$56,910,875$13,481,827$8,600,631$37,684,657
80$62,660,665$14,087,317$8,833,633$41,093,768
81$68,995,198$14,720,740$9,072,705$44,832,423
82$75,974,062$15,383,410$9,317,994$48,933,443
83$83,662,923$16,076,704$9,569,653$53,432,958
84$92,134,142$16,802,063$9,827,838$58,370,745
85$101,467,459$17,561,000$10,092,705$63,790,600
86$111,750,748$18,355,097$10,364,419$69,740,745
87$123,080,841$19,186,013$10,643,143$76,274,277
88$135,564,446$20,055,487$10,929,048$83,449,664
89$149,319,153$20,965,340$11,222,305$91,331,290
90$164,474,546$21,917,480$11,523,091$99,990,058
91$181,173,421$22,913,908$11,831,586$109,504,050
92$199,573,139$23,956,718$12,147,973$119,959,258
93$219,847,109$25,048,108$12,472,440$131,450,389
94$242,186,426$26,190,376$12,805,178$144,081,751
95$266,801,672$27,385,936$13,146,383$157,968,228
96$293,924,909$28,637,313$13,496,254$173,236,358
97$323,811,865$29,947,157$13,854,993$190,025,517
98$356,744,348$31,318,240$14,222,808$208,489,227
99$393,032,910$32,753,473$14,599,911$228,796,594
100$433,019,776$34,255,902$14,986,517$251,133,894