Can I retire at age 52 with 4,200,000?

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 $4,200,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%20%
1 years$346,832$343,743$340,729$337,787$334,914$321,499
2 years$171,699$168,501$165,402$162,397$159,483$146,136
3 years$113,329$110,117$107,026$104,050$101,182$88,324
4 years$84,150$80,948$77,888$74,962$72,164$59,892
5 years$66,647$63,464$60,444$57,578$54,858$43,203
6 years$54,982$51,823$48,848$46,046$43,407$32,377
7 years$46,653$43,521$40,593$37,857$35,302$24,892
8 years$40,409$37,306$34,426$31,757$29,286$19,486
9 years$35,556$32,481$29,651$27,050$24,663$15,457
10 years$31,675$28,631$25,850$23,317$21,014$12,385
11 years$28,502$25,488$22,758$20,293$18,073$10,000
12 years$25,860$22,877$20,197$17,800$15,662$8,123
13 years$23,626$20,674$18,045$15,714$13,657$6,629
14 years$21,712$18,792$16,214$13,950$11,972$5,431
15 years$20,056$17,167$14,639$12,441$10,541$4,463
16 years$18,608$15,750$13,272$11,139$9,316$3,677
17 years$17,331$14,505$12,077$10,008$8,260$3,035
18 years$16,198$13,404$11,025$9,020$7,345$2,509
19 years$15,185$12,422$10,093$8,150$6,547$2,078
20 years$14,274$11,543$9,263$7,381$5,847$1,722
21 years$13,452$10,752$8,520$6,699$5,233$1,429
22 years$12,705$10,037$7,852$6,091$4,690$1,186
23 years$12,024$9,387$7,250$5,547$4,210$985
24 years$11,401$8,795$6,705$5,059$3,784$819
25 years$10,828$8,254$6,210$4,621$3,405$681
26 years$10,301$7,757$5,760$4,225$3,067$567
27 years$9,813$7,301$5,348$3,867$2,766$472
28 years$9,361$6,879$4,972$3,543$2,495$392
29 years$8,941$6,490$4,627$3,249$2,253$327
30 years$8,549$6,129$4,310$2,982$2,036$272
31 years$8,184$5,794$4,018$2,739$1,841$227
32 years$7,842$5,482$3,749$2,517$1,665$189
33 years$7,522$5,192$3,500$2,314$1,507$157
34 years$7,221$4,921$3,270$2,129$1,364$131
35 years$6,937$4,667$3,058$1,960$1,236$109
36 years$6,671$4,430$2,860$1,805$1,120$91
37 years$6,419$4,207$2,677$1,663$1,015$76
38 years$6,181$3,998$2,507$1,533$920$63
39 years$5,956$3,802$2,349$1,414$834$53
40 years$5,742$3,617$2,202$1,304$757$44
41 years$5,540$3,443$2,064$1,203$687$36
42 years$5,347$3,279$1,937$1,110$623$30
43 years$5,164$3,125$1,817$1,025$565$25
44 years$4,990$2,978$1,706$946$513$21
45 years$4,824$2,840$1,602$874$466$18
46 years$4,666$2,709$1,504$807$423$15
47 years$4,515$2,586$1,413$746$384$12
48 years$4,371$2,468$1,328$689$349$10
49 years$4,233$2,357$1,248$637$317$8
50 years$4,101$2,252$1,174$589$288$7

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $4,200,000, adding $4,690 every year, while hoping to spend $55,587 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: 65/27/8 Blend
51$4,200,000$4,200,000$4,200,000$4,200,000
52$4,633,238$4,410,638$4,345,538$4,926,904
53$5,046,684$4,567,615$4,431,969$5,279,923
54$5,500,438$4,730,421$4,519,433$5,658,443
55$5,998,554$4,899,283$4,607,905$6,070,543
56$6,545,496$5,074,436$4,697,359$6,519,485
57$7,146,180$5,256,128$4,787,764$7,008,859
58$7,806,026$5,444,613$4,879,089$7,542,615
59$8,531,000$5,640,158$4,971,298$8,125,101
60$9,327,677$5,843,042$5,064,352$8,761,102
61$10,203,301$6,053,551$5,158,209$9,455,884
62$11,165,851$6,271,988$5,252,822$10,215,245
63$12,224,117$6,498,666$5,348,141$11,045,567
64$13,387,787$6,733,910$5,444,114$11,953,876
65$14,667,530$6,978,061$5,540,681$12,947,906
66$16,075,104$7,231,472$5,637,779$14,036,175
67$17,623,463$7,494,512$5,735,343$15,228,061
68$19,326,878$7,767,565$5,833,299$16,533,890
69$21,201,075$8,051,031$5,931,569$17,965,032
70$23,263,380$8,345,326$6,030,072$19,534,010
71$25,532,883$8,650,886$6,128,718$21,254,614
72$28,030,620$8,968,162$6,227,413$23,142,033
73$30,779,768$9,297,626$6,326,056$25,212,994
74$33,805,864$9,639,770$6,424,539$27,485,919
75$37,137,049$9,995,106$6,522,748$29,981,102
76$40,804,329$10,364,167$6,620,561$32,720,894
77$44,841,869$10,747,510$6,717,848$35,729,915
78$49,287,317$11,145,715$6,814,473$39,035,284
79$54,182,155$11,559,387$6,910,290$42,666,876
80$59,572,094$11,989,156$7,005,144$46,657,598
81$65,507,502$12,435,679$7,098,871$51,043,703
82$72,043,883$12,899,643$7,191,298$55,865,128
83$79,242,394$13,381,761$7,282,242$61,165,867
84$87,170,430$13,882,778$7,371,509$66,994,392
85$95,902,253$14,403,473$7,458,893$73,404,098
86$105,519,695$14,944,656$7,544,179$80,453,816
87$116,112,932$15,507,173$7,627,137$88,208,358
88$127,781,332$16,091,905$7,707,526$96,739,133
89$140,634,392$16,699,772$7,785,093$106,124,813
90$154,792,774$17,331,735$7,859,567$116,452,078
91$170,389,441$17,988,795$7,930,668$127,816,431
92$187,570,915$18,671,996$7,998,096$140,323,096
93$206,498,654$19,382,430$8,061,538$154,088,011
94$227,350,581$20,121,233$8,120,663$169,238,915
95$250,322,760$20,889,593$8,175,125$185,916,559
96$275,631,247$21,688,749$8,224,558$204,276,024
97$303,514,131$22,519,994$8,268,577$224,488,188
98$334,233,776$23,384,678$8,306,778$246,741,332
99$368,079,303$24,284,209$8,338,737$271,242,918
100$405,369,315$25,220,058$8,364,008$298,221,541