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

Use the below retirement simulation to view the chances of a successful retirement.
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%19.3%
1 years$346,832$343,743$340,729$337,787$334,914$322,390
2 years$171,699$168,501$165,402$162,397$159,483$147,009
3 years$113,329$110,117$107,026$104,050$101,182$89,150
4 years$84,150$80,948$77,888$74,962$72,164$60,666
5 years$66,647$63,464$60,444$57,578$54,858$43,923
6 years$54,982$51,823$48,848$46,046$43,407$33,044
7 years$46,653$43,521$40,593$37,857$35,302$25,507
8 years$40,409$37,306$34,426$31,757$29,286$20,051
9 years$35,556$32,481$29,651$27,050$24,663$15,974
10 years$31,675$28,631$25,850$23,317$21,014$12,856
11 years$28,502$25,488$22,758$20,293$18,073$10,428
12 years$25,860$22,877$20,197$17,800$15,662$8,510
13 years$23,626$20,674$18,045$15,714$13,657$6,979
14 years$21,712$18,792$16,214$13,950$11,972$5,746
15 years$20,056$17,167$14,639$12,441$10,541$4,745
16 years$18,608$15,750$13,272$11,139$9,316$3,929
17 years$17,331$14,505$12,077$10,008$8,260$3,260
18 years$16,198$13,404$11,025$9,020$7,345$2,710
19 years$15,185$12,422$10,093$8,150$6,547$2,255
20 years$14,274$11,543$9,263$7,381$5,847$1,880
21 years$13,452$10,752$8,520$6,699$5,233$1,568
22 years$12,705$10,037$7,852$6,091$4,690$1,309
23 years$12,024$9,387$7,250$5,547$4,210$1,093
24 years$11,401$8,795$6,705$5,059$3,784$914
25 years$10,828$8,254$6,210$4,621$3,405$764
26 years$10,301$7,757$5,760$4,225$3,067$639
27 years$9,813$7,301$5,348$3,867$2,766$535
28 years$9,361$6,879$4,972$3,543$2,495$448
29 years$8,941$6,490$4,627$3,249$2,253$375
30 years$8,549$6,129$4,310$2,982$2,036$314
31 years$8,184$5,794$4,018$2,739$1,841$263
32 years$7,842$5,482$3,749$2,517$1,665$220
33 years$7,522$5,192$3,500$2,314$1,507$185
34 years$7,221$4,921$3,270$2,129$1,364$155
35 years$6,937$4,667$3,058$1,960$1,236$130
36 years$6,671$4,430$2,860$1,805$1,120$109
37 years$6,419$4,207$2,677$1,663$1,015$91
38 years$6,181$3,998$2,507$1,533$920$76
39 years$5,956$3,802$2,349$1,414$834$64
40 years$5,742$3,617$2,202$1,304$757$54
41 years$5,540$3,443$2,064$1,203$687$45
42 years$5,347$3,279$1,937$1,110$623$38
43 years$5,164$3,125$1,817$1,025$565$32
44 years$4,990$2,978$1,706$946$513$26
45 years$4,824$2,840$1,602$874$466$22
46 years$4,666$2,709$1,504$807$423$19
47 years$4,515$2,586$1,413$746$384$16
48 years$4,371$2,468$1,328$689$349$13
49 years$4,233$2,357$1,248$637$317$11
50 years$4,101$2,252$1,174$589$288$9

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 $3,841 every year, while hoping to spend $20,872 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: 64/29/7 Blend
51$4,200,000$4,200,000$4,200,000$4,200,000
52$4,632,362$4,409,762$4,344,662$4,922,596
53$5,082,655$4,603,633$4,468,001$5,310,221
54$5,578,179$4,806,303$4,594,771$5,730,587
55$6,123,524$5,018,184$4,725,067$6,189,150
56$6,723,751$5,239,702$4,858,984$6,689,614
57$7,384,433$5,471,306$4,996,619$7,236,056
58$8,111,712$5,713,467$5,138,073$7,832,958
59$8,912,357$5,966,678$5,283,449$8,485,250
60$9,793,825$6,231,453$5,432,852$9,198,357
61$10,764,334$6,508,332$5,586,392$9,978,246
62$11,832,938$6,797,883$5,744,178$10,831,483
63$13,009,615$7,100,696$5,906,325$11,765,295
64$14,305,359$7,417,394$6,072,950$12,787,633
65$15,732,285$7,748,625$6,244,173$13,907,247
66$17,303,743$8,095,072$6,420,118$15,133,769
67$19,034,442$8,457,449$6,600,909$16,477,800
68$20,940,593$8,836,501$6,786,677$17,951,009
69$23,040,057$9,233,014$6,977,555$19,566,243
70$25,352,517$9,647,806$7,173,678$21,337,641
71$27,899,664$10,081,738$7,375,185$23,280,774
72$30,705,396$10,535,710$7,582,221$25,412,782
73$33,796,053$11,010,666$7,794,931$27,752,538
74$37,200,655$11,507,594$8,013,467$30,320,823
75$40,951,186$12,027,529$8,237,981$33,140,519
76$45,082,886$12,571,558$8,468,633$36,236,824
77$49,634,592$13,140,816$8,705,584$39,637,484
78$54,649,100$13,736,495$8,949,001$43,373,058
79$60,173,569$14,359,844$9,199,053$47,477,199
80$66,259,966$15,012,170$9,455,915$51,986,968
81$72,965,560$15,694,844$9,719,765$56,943,186
82$80,353,458$16,409,301$9,990,788$62,390,811
83$88,493,201$17,157,048$10,269,170$68,379,362
84$97,461,425$17,939,660$10,555,104$74,963,380
85$107,342,578$18,758,791$10,848,787$82,202,943
86$118,229,721$19,616,172$11,150,422$90,164,228
87$130,225,406$20,513,618$11,460,215$98,920,128
88$143,442,643$21,453,031$11,778,377$108,550,941
89$158,005,966$22,436,403$12,105,127$119,145,122
90$174,052,613$23,465,825$12,440,687$130,800,112
91$191,733,813$24,543,484$12,785,283$143,623,254
92$211,216,222$25,671,675$13,139,151$157,732,801
93$232,683,493$26,852,803$13,502,528$173,259,029
94$256,338,006$28,089,388$13,875,660$190,345,458
95$282,402,785$29,384,070$14,258,797$209,150,203
96$311,123,598$30,739,618$14,652,196$229,847,460
97$342,771,279$32,158,934$15,056,118$252,629,146
98$377,644,286$33,645,057$15,470,834$277,706,700
99$416,071,515$35,201,177$15,896,619$305,313,077
100$458,415,407$36,830,633$16,333,754$335,704,938