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%13.6%
1 years$346,832$343,743$340,729$337,787$334,914$329,909
2 years$171,699$168,501$165,402$162,397$159,483$154,452
3 years$113,329$110,117$107,026$104,050$101,182$96,282
4 years$84,150$80,948$77,888$74,962$72,164$67,432
5 years$66,647$63,464$60,444$57,578$54,858$50,307
6 years$54,982$51,823$48,848$46,046$43,407$39,044
7 years$46,653$43,521$40,593$37,857$35,302$31,127
8 years$40,409$37,306$34,426$31,757$29,286$25,299
9 years$35,556$32,481$29,651$27,050$24,663$20,862
10 years$31,675$28,631$25,850$23,317$21,014$17,396
11 years$28,502$25,488$22,758$20,293$18,073$14,634
12 years$25,860$22,877$20,197$17,800$15,662$12,398
13 years$23,626$20,674$18,045$15,714$13,657$10,564
14 years$21,712$18,792$16,214$13,950$11,972$9,045
15 years$20,056$17,167$14,639$12,441$10,541$7,774
16 years$18,608$15,750$13,272$11,139$9,316$6,704
17 years$17,331$14,505$12,077$10,008$8,260$5,798
18 years$16,198$13,404$11,025$9,020$7,345$5,026
19 years$15,185$12,422$10,093$8,150$6,547$4,366
20 years$14,274$11,543$9,263$7,381$5,847$3,799
21 years$13,452$10,752$8,520$6,699$5,233$3,311
22 years$12,705$10,037$7,852$6,091$4,690$2,889
23 years$12,024$9,387$7,250$5,547$4,210$2,523
24 years$11,401$8,795$6,705$5,059$3,784$2,206
25 years$10,828$8,254$6,210$4,621$3,405$1,931
26 years$10,301$7,757$5,760$4,225$3,067$1,691
27 years$9,813$7,301$5,348$3,867$2,766$1,482
28 years$9,361$6,879$4,972$3,543$2,495$1,299
29 years$8,941$6,490$4,627$3,249$2,253$1,140
30 years$8,549$6,129$4,310$2,982$2,036$1,000
31 years$8,184$5,794$4,018$2,739$1,841$878
32 years$7,842$5,482$3,749$2,517$1,665$771
33 years$7,522$5,192$3,500$2,314$1,507$678
34 years$7,221$4,921$3,270$2,129$1,364$595
35 years$6,937$4,667$3,058$1,960$1,236$523
36 years$6,671$4,430$2,860$1,805$1,120$460
37 years$6,419$4,207$2,677$1,663$1,015$404
38 years$6,181$3,998$2,507$1,533$920$356
39 years$5,956$3,802$2,349$1,414$834$313
40 years$5,742$3,617$2,202$1,304$757$275
41 years$5,540$3,443$2,064$1,203$687$242
42 years$5,347$3,279$1,937$1,110$623$213
43 years$5,164$3,125$1,817$1,025$565$187
44 years$4,990$2,978$1,706$946$513$165
45 years$4,824$2,840$1,602$874$466$145
46 years$4,666$2,709$1,504$807$423$128
47 years$4,515$2,586$1,413$746$384$112
48 years$4,371$2,468$1,328$689$349$99
49 years$4,233$2,357$1,248$637$317$87
50 years$4,101$2,252$1,174$589$288$77

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 $3,051 every year, while hoping to spend $23,933 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: 56/33/11 Blend
51$4,200,000$4,200,000$4,200,000$4,200,000
52$4,631,547$4,408,947$4,343,847$4,878,054
53$5,078,500$4,599,521$4,463,901$5,235,699
54$5,570,241$4,798,631$4,587,175$5,622,164
55$6,111,311$5,006,670$4,713,752$6,042,540
56$6,706,717$5,224,049$4,843,715$6,500,068
57$7,361,975$5,451,200$4,977,152$6,998,310
58$8,083,160$5,688,572$5,114,150$7,541,184
59$8,876,970$5,936,640$5,254,802$8,132,995
60$9,750,782$6,195,896$5,399,199$8,778,479
61$10,712,726$6,466,860$5,547,436$9,482,843
62$11,771,761$6,750,072$5,699,612$10,251,813
63$12,937,757$7,046,102$5,855,825$11,091,690
64$14,221,590$7,355,544$6,016,178$12,009,403
65$15,635,247$7,679,019$6,180,774$13,012,575
66$17,191,932$8,017,181$6,349,720$14,109,594
67$18,906,199$8,370,713$6,523,125$15,309,691
68$20,794,083$8,740,330$6,701,102$16,623,020
69$22,873,254$9,126,780$6,883,763$18,060,760
70$25,163,182$9,530,849$7,071,226$19,635,210
71$27,685,325$9,953,359$7,263,609$21,359,911
72$30,463,324$10,395,169$7,461,036$23,249,764
73$33,523,233$10,857,182$7,663,631$25,321,173
74$36,893,761$11,340,343$7,871,521$27,592,198
75$40,606,545$11,845,639$8,084,837$30,082,719
76$44,696,445$12,374,109$8,303,712$32,814,623
77$49,201,879$12,926,836$8,528,282$35,812,010
78$54,165,178$13,504,958$8,758,687$39,101,413
79$59,632,992$14,109,667$8,995,069$42,712,050
80$65,656,726$14,742,210$9,237,573$46,676,092
81$72,293,028$15,403,894$9,486,348$51,028,966
82$79,604,321$16,096,090$9,741,545$55,809,688
83$87,659,395$16,820,231$10,003,319$61,061,222
84$96,534,052$17,577,821$10,271,829$66,830,888
85$106,311,826$18,370,435$10,547,237$73,170,798
86$117,084,769$19,199,723$10,829,706$80,138,351
87$128,954,320$20,067,414$11,119,406$87,796,763
88$142,032,263$20,975,320$11,416,508$96,215,666
89$156,441,781$21,925,338$11,721,188$105,471,756
90$172,318,620$22,919,457$12,033,625$115,649,513
91$189,812,370$23,959,760$12,354,002$126,841,994
92$209,087,875$25,048,432$12,682,505$139,151,706
93$230,326,793$26,187,760$13,019,324$152,691,567
94$253,729,308$27,380,142$13,364,653$167,585,966
95$279,516,018$28,628,090$13,718,689$183,971,931
96$307,930,022$29,934,236$14,081,635$202,000,418
97$339,239,210$31,301,340$14,453,696$221,837,727
98$373,738,796$32,732,292$14,835,081$243,667,063
99$411,754,101$34,230,122$15,226,004$267,690,263
100$453,643,626$35,798,005$15,626,682$294,129,689