Can I retire at age 52 with 4,300,000?

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 $4,300,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.4%
1 years$355,090$351,927$348,841$345,829$342,888$338,043
2 years$175,787$172,513$169,340$166,264$163,280$158,408
3 years$116,027$112,739$109,574$106,527$103,592$98,844
4 years$86,153$82,875$79,742$76,747$73,882$69,296
5 years$68,234$64,975$61,883$58,949$56,164$51,753
6 years$56,291$53,057$50,011$47,142$44,441$40,209
7 years$47,764$44,557$41,559$38,758$36,142$32,091
8 years$41,371$38,194$35,245$32,513$29,984$26,113
9 years$36,402$33,255$30,357$27,694$25,250$21,559
10 years$32,429$29,312$26,466$23,872$21,515$17,999
11 years$29,181$26,095$23,300$20,776$18,503$15,160
12 years$26,475$23,422$20,678$18,223$16,035$12,860
13 years$24,188$21,166$18,475$16,089$13,982$10,973
14 years$22,229$19,239$16,600$14,282$12,257$9,407
15 years$20,533$17,576$14,987$12,737$10,792$8,097
16 years$19,051$16,125$13,588$11,404$9,538$6,992
17 years$17,744$14,851$12,365$10,247$8,457$6,055
18 years$16,583$13,723$11,287$9,234$7,520$5,257
19 years$15,546$12,718$10,333$8,344$6,702$4,573
20 years$14,614$11,818$9,483$7,557$5,987$3,985
21 years$13,772$11,008$8,723$6,859$5,357$3,478
22 years$13,007$10,276$8,039$6,236$4,802$3,039
23 years$12,310$9,611$7,423$5,679$4,311$2,659
24 years$11,672$9,005$6,865$5,180$3,875$2,329
25 years$11,086$8,450$6,358$4,731$3,487$2,041
26 years$10,546$7,942$5,897$4,325$3,141$1,790
27 years$10,047$7,474$5,476$3,959$2,831$1,572
28 years$9,584$7,043$5,090$3,627$2,555$1,380
29 years$9,154$6,644$4,737$3,326$2,307$1,213
30 years$8,753$6,275$4,412$3,053$2,085$1,066
31 years$8,379$5,932$4,114$2,804$1,885$937
32 years$8,029$5,613$3,838$2,577$1,705$825
33 years$7,701$5,315$3,584$2,369$1,543$726
34 years$7,393$5,038$3,348$2,180$1,397$639
35 years$7,103$4,778$3,130$2,007$1,265$562
36 years$6,829$4,535$2,928$1,848$1,146$495
37 years$6,572$4,307$2,741$1,703$1,039$436
38 years$6,328$4,094$2,567$1,570$942$384
39 years$6,097$3,893$2,405$1,447$854$338
40 years$5,879$3,704$2,254$1,335$775$298
41 years$5,671$3,525$2,114$1,232$703$263
42 years$5,475$3,357$1,983$1,137$638$231
43 years$5,287$3,199$1,860$1,049$579$204
44 years$5,109$3,049$1,746$969$525$180
45 years$4,939$2,908$1,640$895$477$158
46 years$4,777$2,774$1,540$826$433$140
47 years$4,623$2,647$1,447$764$393$123
48 years$4,475$2,527$1,360$706$357$109
49 years$4,334$2,413$1,278$652$324$96
50 years$4,198$2,305$1,202$603$295$84

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $4,300,000, adding $6,564 every year, while hoping to spend $28,203 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: 42/45/13 Blend
51$4,300,000$4,300,000$4,300,000$4,300,000
52$4,745,371$4,517,471$4,450,821$4,926,341
53$5,199,391$4,708,819$4,569,915$5,245,353
54$5,698,776$4,908,598$4,692,055$5,587,269
55$6,248,123$5,117,191$4,817,310$5,956,892
56$6,852,497$5,335,000$4,945,757$6,356,764
57$7,517,481$5,562,444$5,077,468$6,789,678
58$8,249,223$5,799,962$5,212,522$7,258,697
59$9,054,498$6,048,015$5,350,997$7,767,186
60$9,940,774$6,307,085$5,492,971$8,318,837
61$10,916,275$6,577,674$5,638,528$8,917,707
62$11,990,065$6,860,310$5,787,749$9,568,251
63$13,172,133$7,155,546$5,940,719$10,275,364
64$14,473,482$7,463,960$6,097,525$11,044,424
65$15,906,240$7,786,156$6,258,255$11,881,342
66$17,483,767$8,122,769$6,422,997$12,792,611
67$19,220,787$8,474,461$6,591,844$13,785,373
68$21,133,525$8,841,927$6,764,888$14,867,477
69$23,239,856$9,225,893$6,942,224$16,047,553
70$25,559,481$9,627,121$7,123,948$17,335,091
71$28,114,106$10,046,408$7,310,158$18,740,527
72$30,927,651$10,484,588$7,500,954$20,275,340
73$34,026,473$10,942,535$7,696,438$21,952,155
74$37,439,618$11,421,163$7,896,713$23,784,861
75$41,199,091$11,921,432$8,101,884$25,788,739
76$45,340,159$12,444,343$8,312,059$27,980,599
77$49,901,688$12,990,948$8,527,345$30,378,940
78$54,926,502$13,562,347$8,747,854$33,004,118
79$60,461,795$14,159,692$8,973,697$35,878,535
80$66,559,571$14,784,190$9,204,988$39,026,846
81$73,277,137$15,437,105$9,441,845$42,476,186
82$80,677,641$16,119,759$9,684,383$46,256,425
83$88,830,674$16,833,540$9,932,723$50,400,441
84$97,812,919$17,579,900$10,186,985$54,944,430
85$107,708,880$18,360,359$10,447,293$59,928,237
86$118,611,680$19,176,511$10,713,771$65,395,733
87$130,623,935$20,030,023$10,986,546$71,395,216
88$143,858,726$20,922,644$11,265,745$77,979,869
89$158,440,667$21,856,205$11,551,499$85,208,248
90$174,507,080$22,832,624$11,843,939$93,144,835
91$192,209,289$23,853,909$12,143,197$101,860,636
92$211,714,051$24,922,165$12,449,409$111,433,845
93$233,205,130$26,039,598$12,762,711$121,950,573
94$256,885,032$27,208,516$13,083,240$133,505,658
95$282,976,912$28,431,340$13,411,136$146,203,546
96$311,726,687$29,710,606$13,746,538$160,159,272
97$343,405,352$31,048,968$14,089,590$175,499,538
98$378,311,540$32,449,210$14,440,434$192,363,897
99$416,774,344$33,914,248$14,799,215$210,906,060
100$459,156,417$35,447,136$15,166,078$231,295,341