Can I retire at age 52 with 4,100,000?

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 $4,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.1%
1 years$338,574$335,558$332,616$329,744$326,940$318,777
2 years$167,611$164,489$161,464$158,531$155,686$147,514
3 years$110,631$107,496$104,478$101,572$98,773$90,848
4 years$82,146$79,021$76,033$73,177$70,446$62,827
5 years$65,060$61,953$59,005$56,207$53,552$46,262
6 years$53,673$50,589$47,685$44,949$42,374$35,419
7 years$45,542$42,485$39,626$36,955$34,461$27,843
8 years$39,447$36,417$33,606$31,001$28,589$22,304
9 years$34,709$31,708$28,945$26,406$24,076$18,119
10 years$30,921$27,949$25,235$22,762$20,514$14,878
11 years$27,823$24,881$22,216$19,810$17,643$12,320
12 years$25,244$22,332$19,716$17,376$15,289$10,269
13 years$23,063$20,182$17,615$15,340$13,332$8,606
14 years$21,195$18,345$15,827$13,617$11,687$7,244
15 years$19,578$16,758$14,290$12,144$10,290$6,120
16 years$18,165$15,375$12,956$10,874$9,094$5,186
17 years$16,918$14,160$11,790$9,770$8,064$4,405
18 years$15,812$13,085$10,762$8,805$7,170$3,749
19 years$14,823$12,127$9,852$7,956$6,391$3,197
20 years$13,935$11,269$9,042$7,206$5,708$2,730
21 years$13,132$10,496$8,317$6,540$5,108$2,334
22 years$12,402$9,798$7,665$5,946$4,579$1,998
23 years$11,738$9,164$7,078$5,415$4,110$1,712
24 years$11,129$8,586$6,546$4,939$3,694$1,468
25 years$10,570$8,057$6,062$4,510$3,324$1,259
26 years$10,055$7,573$5,623$4,124$2,994$1,081
27 years$9,579$7,127$5,221$3,775$2,700$928
28 years$9,138$6,716$4,854$3,459$2,436$797
29 years$8,728$6,335$4,517$3,172$2,200$685
30 years$8,346$5,983$4,207$2,911$1,988$589
31 years$7,989$5,656$3,922$2,673$1,797$507
32 years$7,655$5,352$3,660$2,457$1,625$436
33 years$7,342$5,068$3,417$2,259$1,471$375
34 years$7,049$4,803$3,193$2,079$1,332$323
35 years$6,772$4,556$2,985$1,914$1,206$278
36 years$6,512$4,324$2,792$1,762$1,093$239
37 years$6,266$4,107$2,614$1,624$991$206
38 years$6,034$3,903$2,447$1,497$898$177
39 years$5,814$3,712$2,293$1,380$814$152
40 years$5,605$3,531$2,149$1,273$739$131
41 years$5,408$3,361$2,015$1,174$670$113
42 years$5,220$3,201$1,890$1,084$608$97
43 years$5,041$3,050$1,774$1,000$552$84
44 years$4,871$2,907$1,665$924$501$72
45 years$4,709$2,773$1,563$853$455$62
46 years$4,555$2,645$1,468$788$413$54
47 years$4,408$2,524$1,380$728$375$46
48 years$4,267$2,410$1,296$673$341$40
49 years$4,132$2,301$1,219$622$309$34
50 years$4,003$2,198$1,146$575$281$29

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $4,100,000, adding $2,544 every year, while hoping to spend $48,204 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: 35/41/24 Blend
51$4,100,000$4,100,000$4,100,000$4,100,000
52$4,520,824$4,303,524$4,239,974$4,646,100
53$4,930,660$4,463,108$4,330,725$4,898,760
54$5,380,683$4,628,896$4,422,900$5,166,604
55$5,874,941$4,801,141$4,516,496$5,454,643
56$6,417,896$4,980,107$4,611,509$5,764,708
57$7,014,458$5,166,070$4,707,932$6,098,813
58$7,670,041$5,359,315$4,805,755$6,459,165
59$8,390,607$5,560,143$4,904,970$6,848,191
60$9,182,724$5,768,866$5,005,562$7,268,555
61$10,053,630$5,985,809$5,107,516$7,723,186
62$11,011,298$6,211,311$5,210,816$8,215,299
63$12,064,513$6,445,727$5,315,440$8,748,431
64$13,222,952$6,689,427$5,421,366$9,326,468
65$14,497,279$6,942,795$5,528,568$9,953,683
66$15,899,244$7,206,234$5,637,018$10,634,773
67$17,441,791$7,480,164$5,746,682$11,374,904
68$19,139,185$7,765,023$5,857,527$12,179,756
69$21,007,139$8,061,267$5,969,512$13,055,579
70$23,062,972$8,369,373$6,082,594$14,009,245
71$25,325,762$8,689,839$6,196,728$15,048,317
72$27,816,533$9,023,185$6,311,862$16,181,114
73$30,558,451$9,369,952$6,427,941$17,416,791
74$33,577,040$9,730,707$6,544,904$18,765,421
75$36,900,426$10,106,040$6,662,687$20,238,091
76$40,559,602$10,496,568$6,781,219$21,847,002
77$44,588,716$10,902,935$6,900,425$23,605,584
78$49,025,399$11,325,813$7,020,223$25,528,620
79$53,911,116$11,765,904$7,140,526$27,632,384
80$59,291,557$12,223,941$7,261,242$29,934,790
81$65,217,071$12,700,689$7,382,268$32,455,563
82$71,743,138$13,196,947$7,503,499$35,216,419
83$78,930,891$13,713,551$7,624,820$38,241,267
84$86,847,699$14,251,372$7,746,108$41,556,437
85$95,567,796$14,811,321$7,867,235$45,190,921
86$105,172,984$15,394,349$7,988,060$49,176,644
87$115,753,406$16,001,449$8,108,437$53,548,766
88$127,408,393$16,633,660$8,228,209$58,346,006
89$140,247,405$17,292,065$8,347,210$63,611,009
90$154,391,061$17,977,798$8,465,263$69,390,741
91$169,972,282$18,692,042$8,582,182$75,736,932
92$187,137,536$19,436,034$8,697,767$82,706,559
93$206,048,231$20,211,066$8,811,808$90,362,380
94$226,882,232$21,018,489$8,924,084$98,773,524
95$249,835,538$21,859,713$9,034,360$108,016,137
96$275,124,138$22,736,214$9,142,386$118,174,098
97$302,986,044$23,649,533$9,247,900$129,339,808
98$333,683,541$24,601,281$9,350,625$141,615,054
99$367,505,660$25,593,141$9,450,269$155,111,966
100$404,770,906$26,626,874$9,546,522$169,954,074