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%18.2%
1 years$346,832$343,743$340,729$337,787$334,914$323,804
2 years$171,699$168,501$165,402$162,397$159,483$148,398
3 years$113,329$110,117$107,026$104,050$101,182$90,470
4 years$84,150$80,948$77,888$74,962$72,164$61,907
5 years$66,647$63,464$60,444$57,578$54,858$45,083
6 years$54,982$51,823$48,848$46,046$43,407$34,122
7 years$46,653$43,521$40,593$37,857$35,302$26,505
8 years$40,409$37,306$34,426$31,757$29,286$20,971
9 years$35,556$32,481$29,651$27,050$24,663$16,821
10 years$31,675$28,631$25,850$23,317$21,014$13,632
11 years$28,502$25,488$22,758$20,293$18,073$11,136
12 years$25,860$22,877$20,197$17,800$15,662$9,155
13 years$23,626$20,674$18,045$15,714$13,657$7,564
14 years$21,712$18,792$16,214$13,950$11,972$6,276
15 years$20,056$17,167$14,639$12,441$10,541$5,224
16 years$18,608$15,750$13,272$11,139$9,316$4,360
17 years$17,331$14,505$12,077$10,008$8,260$3,647
18 years$16,198$13,404$11,025$9,020$7,345$3,056
19 years$15,185$12,422$10,093$8,150$6,547$2,565
20 years$14,274$11,543$9,263$7,381$5,847$2,156
21 years$13,452$10,752$8,520$6,699$5,233$1,814
22 years$12,705$10,037$7,852$6,091$4,690$1,527
23 years$12,024$9,387$7,250$5,547$4,210$1,287
24 years$11,401$8,795$6,705$5,059$3,784$1,085
25 years$10,828$8,254$6,210$4,621$3,405$915
26 years$10,301$7,757$5,760$4,225$3,067$773
27 years$9,813$7,301$5,348$3,867$2,766$652
28 years$9,361$6,879$4,972$3,543$2,495$551
29 years$8,941$6,490$4,627$3,249$2,253$465
30 years$8,549$6,129$4,310$2,982$2,036$393
31 years$8,184$5,794$4,018$2,739$1,841$332
32 years$7,842$5,482$3,749$2,517$1,665$281
33 years$7,522$5,192$3,500$2,314$1,507$238
34 years$7,221$4,921$3,270$2,129$1,364$201
35 years$6,937$4,667$3,058$1,960$1,236$170
36 years$6,671$4,430$2,860$1,805$1,120$144
37 years$6,419$4,207$2,677$1,663$1,015$121
38 years$6,181$3,998$2,507$1,533$920$103
39 years$5,956$3,802$2,349$1,414$834$87
40 years$5,742$3,617$2,202$1,304$757$73
41 years$5,540$3,443$2,064$1,203$687$62
42 years$5,347$3,279$1,937$1,110$623$53
43 years$5,164$3,125$1,817$1,025$565$44
44 years$4,990$2,978$1,706$946$513$38
45 years$4,824$2,840$1,602$874$466$32
46 years$4,666$2,709$1,504$807$423$27
47 years$4,515$2,586$1,413$746$384$23
48 years$4,371$2,468$1,328$689$349$19
49 years$4,233$2,357$1,248$637$317$16
50 years$4,101$2,252$1,174$589$288$14

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 $3,084 every year, while hoping to spend $53,023 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: 44/47/9 Blend
51$4,200,000$4,200,000$4,200,000$4,200,000
52$4,631,581$4,408,981$4,343,881$4,823,342
53$5,047,586$4,568,605$4,432,985$5,116,268
54$5,504,247$4,734,274$4,523,297$5,427,900
55$6,005,654$4,906,227$4,614,801$5,764,442
56$6,556,314$5,084,715$4,707,480$6,128,200
57$7,161,190$5,269,998$4,801,313$6,521,709
58$7,825,752$5,462,349$4,896,278$6,947,752
59$8,556,024$5,662,050$4,992,349$7,409,388
60$9,358,644$5,869,395$5,089,497$7,909,978
61$10,240,922$6,084,692$5,187,692$8,453,216
62$11,210,916$6,308,262$5,286,899$9,043,162
63$12,277,500$6,540,437$5,387,081$9,684,281
64$13,450,451$6,781,565$5,488,195$10,381,482
65$14,740,545$7,032,009$5,590,196$11,140,164
66$16,159,649$7,292,146$5,693,037$11,966,263
67$17,720,842$7,562,370$5,796,663$12,866,311
68$19,438,534$7,843,092$5,901,017$13,847,491
69$21,328,601$8,134,740$6,006,037$14,917,707
70$23,408,535$8,437,760$6,111,656$16,085,654
71$25,697,612$8,752,616$6,217,803$17,360,902
72$28,217,069$9,079,795$6,324,400$18,753,981
73$30,990,307$9,419,802$6,431,365$20,276,479
74$34,043,112$9,773,165$6,538,608$21,941,151
75$37,403,893$10,140,434$6,646,036$23,762,035
76$41,103,958$10,522,184$6,753,546$25,754,586
77$45,177,804$10,919,012$6,861,032$27,935,816
78$49,663,440$11,331,545$6,968,377$30,324,452
79$54,602,753$11,760,432$7,075,460$32,941,115
80$60,041,896$12,206,355$7,182,149$35,808,506
81$66,031,725$12,670,023$7,288,307$38,951,622
82$72,628,282$13,152,175$7,393,787$42,397,987
83$79,893,320$13,653,584$7,498,431$46,177,912
84$87,894,885$14,175,056$7,602,075$50,324,772
85$96,707,962$14,717,433$7,704,543$54,875,326
86$106,415,179$15,281,592$7,805,650$59,870,052
87$117,107,586$15,868,449$7,905,198$65,353,535
88$128,885,518$16,478,960$8,002,980$71,374,876
89$141,859,537$17,114,126$8,098,776$77,988,158
90$156,151,478$17,774,986$8,192,354$85,252,947
91$171,895,599$18,462,631$8,283,468$93,234,858
92$189,239,845$19,178,195$8,371,859$102,006,162
93$208,347,247$19,922,864$8,457,255$111,646,469
94$229,397,460$20,697,879$8,539,366$122,243,475
95$252,588,457$21,504,530$8,617,891$133,893,783
96$278,138,398$22,344,171$8,692,509$146,703,810
97$306,287,689$23,218,210$8,762,882$160,790,790
98$337,301,252$24,128,121$8,828,657$176,283,871
99$371,471,023$25,075,442$8,889,461$193,325,332
100$409,118,710$26,061,781$8,944,900$212,071,919