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%18.8%
1 years$338,574$335,558$332,616$329,744$326,940$315,340
2 years$167,611$164,489$161,464$158,531$155,686$144,122
3 years$110,631$107,496$104,478$101,572$98,773$87,610
4 years$82,146$79,021$76,033$73,177$70,446$59,768
5 years$65,060$61,953$59,005$56,207$53,552$43,388
6 years$53,673$50,589$47,685$44,949$42,374$32,731
7 years$45,542$42,485$39,626$36,955$34,461$25,338
8 years$39,447$36,417$33,606$31,001$28,589$19,977
9 years$34,709$31,708$28,945$26,406$24,076$15,964
10 years$30,921$27,949$25,235$22,762$20,514$12,889
11 years$27,823$24,881$22,216$19,810$17,643$10,488
12 years$25,244$22,332$19,716$17,376$15,289$8,588
13 years$23,063$20,182$17,615$15,340$13,332$7,067
14 years$21,195$18,345$15,827$13,617$11,687$5,838
15 years$19,578$16,758$14,290$12,144$10,290$4,839
16 years$18,165$15,375$12,956$10,874$9,094$4,021
17 years$16,918$14,160$11,790$9,770$8,064$3,349
18 years$15,812$13,085$10,762$8,805$7,170$2,794
19 years$14,823$12,127$9,852$7,956$6,391$2,335
20 years$13,935$11,269$9,042$7,206$5,708$1,953
21 years$13,132$10,496$8,317$6,540$5,108$1,635
22 years$12,402$9,798$7,665$5,946$4,579$1,371
23 years$11,738$9,164$7,078$5,415$4,110$1,149
24 years$11,129$8,586$6,546$4,939$3,694$965
25 years$10,570$8,057$6,062$4,510$3,324$810
26 years$10,055$7,573$5,623$4,124$2,994$680
27 years$9,579$7,127$5,221$3,775$2,700$572
28 years$9,138$6,716$4,854$3,459$2,436$480
29 years$8,728$6,335$4,517$3,172$2,200$404
30 years$8,346$5,983$4,207$2,911$1,988$340
31 years$7,989$5,656$3,922$2,673$1,797$286
32 years$7,655$5,352$3,660$2,457$1,625$240
33 years$7,342$5,068$3,417$2,259$1,471$202
34 years$7,049$4,803$3,193$2,079$1,332$170
35 years$6,772$4,556$2,985$1,914$1,206$143
36 years$6,512$4,324$2,792$1,762$1,093$120
37 years$6,266$4,107$2,614$1,624$991$101
38 years$6,034$3,903$2,447$1,497$898$85
39 years$5,814$3,712$2,293$1,380$814$72
40 years$5,605$3,531$2,149$1,273$739$60
41 years$5,408$3,361$2,015$1,174$670$51
42 years$5,220$3,201$1,890$1,084$608$43
43 years$5,041$3,050$1,774$1,000$552$36
44 years$4,871$2,907$1,665$924$501$30
45 years$4,709$2,773$1,563$853$455$25
46 years$4,555$2,645$1,468$788$413$21
47 years$4,408$2,524$1,380$728$375$18
48 years$4,267$2,410$1,296$673$341$15
49 years$4,132$2,301$1,219$622$309$13
50 years$4,003$2,198$1,146$575$281$11

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 $2,520 every year, while hoping to spend $52,126 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: 71/6/23 Blend
51$4,100,000$4,100,000$4,100,000$4,100,000
52$4,520,799$4,303,499$4,239,949$4,815,667
53$4,926,459$4,458,909$4,326,526$5,168,248
54$5,371,749$4,620,187$4,414,256$5,547,801
55$5,860,657$4,787,565$4,503,123$5,962,141
56$6,397,574$4,961,287$4,593,108$6,414,714
57$6,987,340$5,141,603$4,684,190$6,909,318
58$7,635,284$5,328,776$4,776,345$7,450,133
59$8,347,278$5,523,081$4,869,548$8,041,765
60$9,129,791$5,724,803$4,963,769$8,689,287
61$9,989,950$5,934,239$5,058,975$9,398,286
62$10,935,606$6,151,697$5,155,132$10,174,915
63$11,975,409$6,377,502$5,252,200$11,025,956
64$13,118,890$6,611,989$5,350,138$11,958,875
65$14,376,549$6,855,508$5,448,900$12,981,900
66$15,759,954$7,108,425$5,548,435$14,104,093
67$17,281,852$7,371,121$5,648,690$15,335,439
68$18,956,287$7,643,991$5,749,607$16,686,937
69$20,798,732$7,927,451$5,851,123$18,170,705
70$22,826,236$8,221,930$5,953,169$19,800,096
71$25,057,587$8,527,879$6,055,675$21,589,817
72$27,513,482$8,845,766$6,158,561$23,556,076
73$30,216,729$9,176,080$6,261,745$25,716,730
74$33,192,458$9,519,332$6,365,136$28,091,451
75$36,468,361$9,876,051$6,468,641$30,701,917
76$40,074,950$10,246,794$6,572,156$33,572,012
77$44,045,846$10,632,137$6,675,574$36,728,053
78$48,418,095$11,032,685$6,778,779$40,199,036
79$53,232,520$11,449,066$6,881,648$44,016,913
80$58,534,104$11,881,937$6,984,049$48,216,890
81$64,372,413$12,331,982$7,085,846$52,837,758
82$70,802,067$12,799,917$7,186,889$57,922,264
83$77,883,250$13,286,485$7,287,022$63,517,507
84$85,682,284$13,792,466$7,386,080$69,675,388
85$94,272,251$14,318,670$7,483,887$76,453,098
86$103,733,681$14,865,946$7,580,258$83,913,655
87$114,155,315$15,435,176$7,674,995$92,126,500
88$125,634,941$16,027,283$7,767,891$101,168,155
89$138,280,316$16,643,231$7,858,727$111,122,939
90$152,210,183$17,284,024$7,947,269$122,083,767
91$167,555,393$17,950,713$8,033,274$134,153,029
92$184,460,138$18,644,392$8,116,483$147,443,550
93$203,083,310$19,366,205$8,196,623$162,079,659
94$223,600,005$20,117,347$8,273,408$178,198,363
95$246,203,173$20,899,064$8,346,534$195,950,634
96$271,105,436$21,712,658$8,415,683$215,502,842
97$298,541,101$22,559,489$8,480,519$237,038,317
98$328,768,365$23,440,976$8,540,688$260,759,084
99$362,071,757$24,358,602$8,595,819$286,887,770
100$398,764,819$25,313,916$8,645,522$315,669,702