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%16.1%
1 years$355,090$351,927$348,841$345,829$342,888$334,327
2 years$175,787$172,513$169,340$166,264$163,280$154,710
3 years$116,027$112,739$109,574$106,527$103,592$95,279
4 years$86,153$82,875$79,742$76,747$73,882$65,892
5 years$68,234$64,975$61,883$58,949$56,164$48,518
6 years$56,291$53,057$50,011$47,142$44,441$37,147
7 years$47,764$44,557$41,559$38,758$36,142$29,201
8 years$41,371$38,194$35,245$32,513$29,984$23,392
9 years$36,402$33,255$30,357$27,694$25,250$19,003
10 years$32,429$29,312$26,466$23,872$21,515$15,604
11 years$29,181$26,095$23,300$20,776$18,503$12,920
12 years$26,475$23,422$20,678$18,223$16,035$10,770
13 years$24,188$21,166$18,475$16,089$13,982$9,026
14 years$22,229$19,239$16,600$14,282$12,257$7,598
15 years$20,533$17,576$14,987$12,737$10,792$6,419
16 years$19,051$16,125$13,588$11,404$9,538$5,439
17 years$17,744$14,851$12,365$10,247$8,457$4,620
18 years$16,583$13,723$11,287$9,234$7,520$3,932
19 years$15,546$12,718$10,333$8,344$6,702$3,353
20 years$14,614$11,818$9,483$7,557$5,987$2,863
21 years$13,772$11,008$8,723$6,859$5,357$2,448
22 years$13,007$10,276$8,039$6,236$4,802$2,095
23 years$12,310$9,611$7,423$5,679$4,311$1,795
24 years$11,672$9,005$6,865$5,180$3,875$1,539
25 years$11,086$8,450$6,358$4,731$3,487$1,320
26 years$10,546$7,942$5,897$4,325$3,141$1,133
27 years$10,047$7,474$5,476$3,959$2,831$973
28 years$9,584$7,043$5,090$3,627$2,555$836
29 years$9,154$6,644$4,737$3,326$2,307$719
30 years$8,753$6,275$4,412$3,053$2,085$618
31 years$8,379$5,932$4,114$2,804$1,885$531
32 years$8,029$5,613$3,838$2,577$1,705$457
33 years$7,701$5,315$3,584$2,369$1,543$393
34 years$7,393$5,038$3,348$2,180$1,397$338
35 years$7,103$4,778$3,130$2,007$1,265$291
36 years$6,829$4,535$2,928$1,848$1,146$251
37 years$6,572$4,307$2,741$1,703$1,039$216
38 years$6,328$4,094$2,567$1,570$942$186
39 years$6,097$3,893$2,405$1,447$854$160
40 years$5,879$3,704$2,254$1,335$775$138
41 years$5,671$3,525$2,114$1,232$703$119
42 years$5,475$3,357$1,983$1,137$638$102
43 years$5,287$3,199$1,860$1,049$579$88
44 years$5,109$3,049$1,746$969$525$76
45 years$4,939$2,908$1,640$895$477$65
46 years$4,777$2,774$1,540$826$433$56
47 years$4,623$2,647$1,447$764$393$48
48 years$4,475$2,527$1,360$706$357$42
49 years$4,334$2,413$1,278$652$324$36
50 years$4,198$2,305$1,202$603$295$31

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 $6,118 every year, while hoping to spend $41,294 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: 50/43/7 Blend
51$4,300,000$4,300,000$4,300,000$4,300,000
52$4,744,911$4,517,011$4,450,361$4,973,426
53$5,184,955$4,694,408$4,555,511$5,307,255
54$5,668,500$4,879,113$4,662,800$5,664,868
55$6,199,939$5,071,442$4,772,256$6,052,469
56$6,784,112$5,271,722$4,883,906$6,472,876
57$7,426,352$5,480,296$4,997,777$6,929,183
58$8,132,533$5,697,525$5,113,896$7,424,791
59$8,909,129$5,923,781$5,232,289$7,963,438
60$9,763,271$6,159,456$5,352,982$8,549,232
61$10,702,815$6,404,961$5,475,997$9,186,688
62$11,736,419$6,660,721$5,601,360$9,880,771
63$12,873,622$6,927,183$5,729,093$10,636,940
64$14,124,931$7,204,816$5,859,218$11,461,197
65$15,501,928$7,494,105$5,991,755$12,360,145
66$17,017,370$7,795,562$6,126,725$13,341,046
67$18,685,316$8,109,719$6,264,144$14,411,887
68$20,521,256$8,437,132$6,404,031$15,581,455
69$22,542,258$8,778,386$6,546,400$16,859,420
70$24,767,129$9,134,087$6,691,265$18,256,420
71$27,216,592$9,504,874$6,838,638$19,784,161
72$29,913,481$9,891,410$6,988,530$21,455,525
73$32,882,959$10,294,391$7,140,948$23,284,693
74$36,152,749$10,714,545$7,295,898$25,287,267
75$39,753,404$11,152,632$7,453,385$27,480,427
76$43,718,587$11,609,447$7,613,409$29,883,079
77$48,085,395$12,085,821$7,775,970$32,516,039
78$52,894,703$12,582,625$7,941,063$35,402,222
79$58,191,556$13,100,767$8,108,682$38,566,856
80$64,025,588$13,641,197$8,278,816$42,037,719
81$70,451,494$14,204,912$8,451,453$45,845,395
82$77,529,544$14,792,950$8,626,574$50,023,562
83$85,326,153$15,406,400$8,804,160$54,609,303
84$93,914,507$16,046,400$8,984,185$59,643,456
85$103,375,254$16,714,141$9,166,622$65,170,992
86$113,797,262$17,410,866$9,351,437$71,241,439
87$125,278,465$18,137,880$9,538,591$77,909,342
88$137,926,777$18,896,545$9,728,043$85,234,774
89$151,861,119$19,688,286$9,919,743$93,283,901
90$167,212,536$20,514,596$10,113,638$102,129,598
91$184,125,439$21,377,035$10,309,669$111,852,134
92$202,758,960$22,277,236$10,507,769$122,539,923
93$223,288,461$23,216,907$10,707,866$134,290,357
94$245,907,185$24,197,838$10,909,881$147,210,714
95$270,828,084$25,221,898$11,113,728$161,419,166
96$298,285,823$26,291,045$11,319,312$177,045,893
97$328,539,000$27,407,329$11,526,532$194,234,297
98$361,872,583$28,572,893$11,735,276$213,142,357
99$398,600,604$29,789,982$11,945,425$233,944,108
100$439,069,118$31,060,944$12,156,850$256,831,277