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%17%
1 years$338,574$335,558$332,616$329,744$326,940$317,620
2 years$167,611$164,489$161,464$158,531$155,686$146,369
3 years$110,631$107,496$104,478$101,572$98,773$89,751
4 years$82,146$79,021$76,033$73,177$70,446$61,788
5 years$65,060$61,953$59,005$56,207$53,552$45,281
6 years$53,673$50,589$47,685$44,949$42,374$34,498
7 years$45,542$42,485$39,626$36,955$34,461$26,981
8 years$39,447$36,417$33,606$31,001$28,589$21,500
9 years$34,709$31,708$28,945$26,406$24,076$17,371
10 years$30,921$27,949$25,235$22,762$20,514$14,184
11 years$27,823$24,881$22,216$19,810$17,643$11,677
12 years$25,244$22,332$19,716$17,376$15,289$9,676
13 years$23,063$20,182$17,615$15,340$13,332$8,061
14 years$21,195$18,345$15,827$13,617$11,687$6,743
15 years$19,578$16,758$14,290$12,144$10,290$5,661
16 years$18,165$15,375$12,956$10,874$9,094$4,766
17 years$16,918$14,160$11,790$9,770$8,064$4,022
18 years$15,812$13,085$10,762$8,805$7,170$3,400
19 years$14,823$12,127$9,852$7,956$6,391$2,880
20 years$13,935$11,269$9,042$7,206$5,708$2,443
21 years$13,132$10,496$8,317$6,540$5,108$2,074
22 years$12,402$9,798$7,665$5,946$4,579$1,763
23 years$11,738$9,164$7,078$5,415$4,110$1,500
24 years$11,129$8,586$6,546$4,939$3,694$1,277
25 years$10,570$8,057$6,062$4,510$3,324$1,087
26 years$10,055$7,573$5,623$4,124$2,994$927
27 years$9,579$7,127$5,221$3,775$2,700$790
28 years$9,138$6,716$4,854$3,459$2,436$674
29 years$8,728$6,335$4,517$3,172$2,200$575
30 years$8,346$5,983$4,207$2,911$1,988$491
31 years$7,989$5,656$3,922$2,673$1,797$419
32 years$7,655$5,352$3,660$2,457$1,625$357
33 years$7,342$5,068$3,417$2,259$1,471$305
34 years$7,049$4,803$3,193$2,079$1,332$261
35 years$6,772$4,556$2,985$1,914$1,206$223
36 years$6,512$4,324$2,792$1,762$1,093$190
37 years$6,266$4,107$2,614$1,624$991$162
38 years$6,034$3,903$2,447$1,497$898$139
39 years$5,814$3,712$2,293$1,380$814$119
40 years$5,605$3,531$2,149$1,273$739$101
41 years$5,408$3,361$2,015$1,174$670$87
42 years$5,220$3,201$1,890$1,084$608$74
43 years$5,041$3,050$1,774$1,000$552$63
44 years$4,871$2,907$1,665$924$501$54
45 years$4,709$2,773$1,563$853$455$46
46 years$4,555$2,645$1,468$788$413$39
47 years$4,408$2,524$1,380$728$375$34
48 years$4,267$2,410$1,296$673$341$29
49 years$4,132$2,301$1,219$622$309$25
50 years$4,003$2,198$1,146$575$281$21

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 $3,877 every year, while hoping to spend $29,138 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: 54/41/5 Blend
51$4,100,000$4,100,000$4,100,000$4,100,000
52$4,522,199$4,304,899$4,241,349$4,761,429
53$4,952,461$4,484,837$4,352,432$5,103,288
54$5,425,633$4,672,614$4,466,259$5,471,582
55$5,946,061$4,868,586$4,582,892$5,871,668
56$6,518,533$5,073,121$4,702,393$6,306,558
57$7,148,326$5,286,607$4,824,826$6,779,563
58$7,841,252$5,509,447$4,950,255$7,294,317
59$8,603,717$5,742,067$5,078,745$7,854,819
60$9,442,776$5,984,908$5,210,363$8,465,462
61$10,366,206$6,238,436$5,345,177$9,131,076
62$11,382,575$6,503,135$5,483,256$9,856,972
63$12,501,322$6,779,513$5,624,670$10,648,991
64$13,732,849$7,068,101$5,769,489$11,513,553
65$15,088,619$7,369,457$5,917,786$12,457,723
66$16,581,260$7,684,163$6,069,633$13,489,272
67$18,224,689$8,012,827$6,225,107$14,616,745
68$20,034,240$8,356,089$6,384,281$15,849,547
69$22,026,811$8,714,615$6,547,232$17,198,025
70$24,221,020$9,089,105$6,714,038$18,673,562
71$26,637,383$9,480,291$6,884,778$20,288,686
72$29,298,509$9,888,938$7,059,531$22,057,186
73$32,229,309$10,315,848$7,238,377$23,994,233
74$35,457,234$10,761,860$7,421,399$26,116,530
75$39,012,536$11,227,855$7,608,679$28,442,460
76$42,928,545$11,714,751$7,800,301$30,992,258
77$47,241,995$12,223,512$7,996,349$33,788,203
78$51,993,361$12,755,146$8,196,909$36,854,818
79$57,227,245$13,310,710$8,402,067$40,219,105
80$62,992,799$13,891,309$8,611,911$43,910,793
81$69,344,183$14,498,102$8,826,529$47,962,613
82$76,341,080$15,132,300$9,046,008$52,410,610
83$84,049,261$15,795,173$9,270,440$57,294,471
84$92,541,200$16,488,051$9,499,914$62,657,902
85$101,896,762$17,212,325$9,734,521$68,549,033
86$112,203,958$17,969,455$9,974,353$75,020,868
87$123,559,769$18,760,966$10,219,502$82,131,783
88$136,071,070$19,588,458$10,470,060$89,946,066
89$149,855,632$20,453,605$10,726,120$98,534,529
90$165,043,237$21,358,162$10,987,775$107,975,160
91$181,776,901$22,303,966$11,255,119$118,353,861
92$200,214,225$23,292,940$11,528,246$129,765,249
93$220,528,883$24,327,101$11,807,249$142,313,547
94$242,912,259$25,408,559$12,092,222$156,113,556
95$267,575,256$26,539,526$12,383,258$171,291,737
96$294,750,287$27,722,317$12,680,452$187,987,395
97$324,693,465$28,959,359$12,983,896$206,353,986
98$357,687,025$30,253,194$13,293,683$226,560,561
99$394,041,984$31,606,484$13,609,904$248,793,350
100$434,101,083$33,022,017$13,932,652$273,257,516