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%14.7%
1 years$355,090$351,927$348,841$345,829$342,888$336,240
2 years$175,787$172,513$169,340$166,264$163,280$156,609
3 years$116,027$112,739$109,574$106,527$103,592$97,106
4 years$86,153$82,875$79,742$76,747$73,882$67,632
5 years$68,234$64,975$61,883$58,949$56,164$50,167
6 years$56,291$53,057$50,011$47,142$44,441$38,703
7 years$47,764$44,557$41,559$38,758$36,142$30,665
8 years$41,371$38,194$35,245$32,513$29,984$24,766
9 years$36,402$33,255$30,357$27,694$25,250$20,289
10 years$32,429$29,312$26,466$23,872$21,515$16,805
11 years$29,181$26,095$23,300$20,776$18,503$14,039
12 years$26,475$23,422$20,678$18,223$16,035$11,810
13 years$24,188$21,166$18,475$16,089$13,982$9,991
14 years$22,229$19,239$16,600$14,282$12,257$8,490
15 years$20,533$17,576$14,987$12,737$10,792$7,243
16 years$19,051$16,125$13,588$11,404$9,538$6,198
17 years$17,744$14,851$12,365$10,247$8,457$5,318
18 years$16,583$13,723$11,287$9,234$7,520$4,574
19 years$15,546$12,718$10,333$8,344$6,702$3,941
20 years$14,614$11,818$9,483$7,557$5,987$3,401
21 years$13,772$11,008$8,723$6,859$5,357$2,939
22 years$13,007$10,276$8,039$6,236$4,802$2,543
23 years$12,310$9,611$7,423$5,679$4,311$2,203
24 years$11,672$9,005$6,865$5,180$3,875$1,909
25 years$11,086$8,450$6,358$4,731$3,487$1,657
26 years$10,546$7,942$5,897$4,325$3,141$1,438
27 years$10,047$7,474$5,476$3,959$2,831$1,249
28 years$9,584$7,043$5,090$3,627$2,555$1,085
29 years$9,154$6,644$4,737$3,326$2,307$944
30 years$8,753$6,275$4,412$3,053$2,085$821
31 years$8,379$5,932$4,114$2,804$1,885$714
32 years$8,029$5,613$3,838$2,577$1,705$621
33 years$7,701$5,315$3,584$2,369$1,543$541
34 years$7,393$5,038$3,348$2,180$1,397$471
35 years$7,103$4,778$3,130$2,007$1,265$410
36 years$6,829$4,535$2,928$1,848$1,146$357
37 years$6,572$4,307$2,741$1,703$1,039$311
38 years$6,328$4,094$2,567$1,570$942$271
39 years$6,097$3,893$2,405$1,447$854$236
40 years$5,879$3,704$2,254$1,335$775$206
41 years$5,671$3,525$2,114$1,232$703$179
42 years$5,475$3,357$1,983$1,137$638$156
43 years$5,287$3,199$1,860$1,049$579$136
44 years$5,109$3,049$1,746$969$525$119
45 years$4,939$2,908$1,640$895$477$103
46 years$4,777$2,774$1,540$826$433$90
47 years$4,623$2,647$1,447$764$393$79
48 years$4,475$2,527$1,360$706$357$68
49 years$4,334$2,413$1,278$652$324$60
50 years$4,198$2,305$1,202$603$295$52

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 $3,909 every year, while hoping to spend $30,513 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: 72/15/13 Blend
51$4,300,000$4,300,000$4,300,000$4,300,000
52$4,742,632$4,514,732$4,448,082$5,070,666
53$5,193,915$4,703,488$4,564,627$5,477,199
54$5,690,206$4,900,471$4,684,054$5,918,104
55$6,236,064$5,106,051$4,806,427$6,400,088
56$6,836,511$5,320,616$4,931,811$6,927,208
57$7,497,082$5,544,573$5,060,273$7,503,925
58$8,223,873$5,778,346$5,191,881$8,135,155
59$9,023,602$6,022,379$5,326,703$8,826,307
60$9,903,672$6,277,138$5,464,810$9,583,336
61$10,872,239$6,543,110$5,606,273$10,412,801
62$11,938,288$6,820,803$5,751,165$11,321,921
63$13,111,723$7,110,752$5,899,558$12,318,647
64$14,403,454$7,413,514$6,051,528$13,411,734
65$15,825,502$7,729,672$6,207,151$14,610,823
66$17,391,116$8,059,839$6,366,503$15,926,531
67$19,114,892$8,404,653$6,529,663$17,370,552
68$21,012,915$8,764,785$6,696,710$18,955,764
69$23,102,907$9,140,934$6,867,725$20,696,350
70$25,404,399$9,533,835$7,042,789$22,607,932
71$27,938,910$9,944,256$7,221,985$24,707,718
72$30,730,154$10,373,000$7,405,397$27,014,660
73$33,804,262$10,820,908$7,593,109$29,549,636
74$37,190,027$11,288,863$7,785,209$32,335,641
75$40,919,178$11,777,786$7,981,782$35,398,009
76$45,026,680$12,288,643$8,182,917$38,764,644
77$49,551,059$12,822,445$8,388,703$42,466,287
78$54,534,773$13,380,250$8,599,230$46,536,805
79$60,024,605$13,963,168$8,814,590$51,013,503
80$66,072,109$14,572,358$9,034,873$55,937,482
81$72,734,096$15,209,035$9,260,173$61,354,021
82$80,073,169$15,874,473$9,490,584$67,313,006
83$88,158,313$16,570,003$9,726,199$73,869,395
84$97,065,549$17,297,021$9,967,115$81,083,737
85$106,878,648$18,056,988$10,213,426$89,022,744
86$117,689,925$18,851,435$10,465,230$97,759,915
87$129,601,105$19,681,963$10,722,624$107,376,231
88$142,724,291$20,550,252$10,985,704$117,960,912
89$157,183,013$21,458,059$11,254,570$129,612,266
90$173,113,402$22,407,225$11,529,320$142,438,605
91$190,665,468$23,399,679$11,810,051$156,559,271
92$210,004,522$24,437,440$12,096,865$172,105,759
93$231,312,732$25,522,623$12,389,858$189,222,956
94$254,790,843$26,657,444$12,689,131$208,070,502
95$280,660,074$27,844,223$12,994,782$228,824,301
96$309,164,205$29,085,393$13,306,910$251,678,173
97$340,571,876$30,383,500$13,625,613$276,845,682
98$375,179,126$31,741,211$13,950,991$304,562,152
99$413,312,188$33,161,320$14,283,139$335,086,879
100$455,330,562$34,646,756$14,622,155$368,705,583