Can I retire at age 52 with 4,400,000?

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 $4,400,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.7%
1 years$363,348$360,111$356,954$353,872$350,862$346,909
2 years$179,875$176,525$173,278$170,131$167,077$163,098
3 years$118,726$115,361$112,123$109,004$106,001$102,118
4 years$88,157$84,803$81,597$78,531$75,601$71,845
5 years$69,820$66,486$63,322$60,320$57,470$53,853
6 years$57,600$54,291$51,174$48,238$45,474$41,999
7 years$48,875$45,594$42,526$39,659$36,983$33,651
8 years$42,334$39,082$36,065$33,269$30,681$27,493
9 years$37,249$34,028$31,063$28,338$25,838$22,792
10 years$33,183$29,994$27,081$24,428$22,015$19,110
11 years$29,859$26,702$23,842$21,259$18,934$16,166
12 years$27,091$23,966$21,159$18,647$16,407$13,775
13 years$24,751$21,658$18,904$16,463$14,308$11,806
14 years$22,746$19,687$16,986$14,614$12,542$10,169
15 years$21,011$17,984$15,336$13,033$11,043$8,794
16 years$19,494$16,500$13,904$11,670$9,760$7,632
17 years$18,156$15,196$12,652$10,485$8,654$6,642
18 years$16,969$14,042$11,550$9,449$7,694$5,795
19 years$15,908$13,014$10,573$8,538$6,858$5,067
20 years$14,954$12,093$9,704$7,733$6,126$4,438
21 years$14,092$11,264$8,925$7,018$5,482$3,894
22 years$13,310$10,515$8,226$6,381$4,914$3,421
23 years$12,597$9,834$7,595$5,811$4,411$3,009
24 years$11,944$9,214$7,024$5,300$3,965$2,650
25 years$11,344$8,647$6,506$4,841$3,568$2,335
26 years$10,791$8,127$6,034$4,426$3,214$2,060
27 years$10,280$7,648$5,603$4,051$2,897$1,818
28 years$9,807$7,207$5,209$3,712$2,614$1,606
29 years$9,367$6,799$4,847$3,404$2,361$1,419
30 years$8,956$6,421$4,515$3,124$2,133$1,255
31 years$8,574$6,070$4,209$2,869$1,928$1,110
32 years$8,216$5,743$3,927$2,637$1,744$982
33 years$7,880$5,439$3,667$2,425$1,579$869
34 years$7,564$5,155$3,426$2,231$1,429$769
35 years$7,268$4,889$3,203$2,054$1,295$681
36 years$6,988$4,641$2,997$1,891$1,173$603
37 years$6,724$4,408$2,805$1,743$1,063$535
38 years$6,475$4,189$2,627$1,606$964$474
39 years$6,239$3,983$2,461$1,481$874$420
40 years$6,015$3,790$2,306$1,366$793$372
41 years$5,803$3,607$2,163$1,260$719$330
42 years$5,602$3,436$2,029$1,163$653$292
43 years$5,410$3,273$1,904$1,074$592$259
44 years$5,228$3,120$1,787$991$538$230
45 years$5,054$2,975$1,678$916$488$204
46 years$4,888$2,838$1,576$846$443$181
47 years$4,730$2,709$1,481$781$402$160
48 years$4,579$2,586$1,391$722$365$142
49 years$4,434$2,469$1,308$667$332$126
50 years$4,296$2,359$1,229$617$301$112

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $4,400,000, adding $2,633 every year, while hoping to spend $57,581 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: 30/44/26 Blend
51$4,400,000$4,400,000$4,400,000$4,400,000
52$4,851,516$4,618,316$4,550,116$4,958,037
53$5,285,105$4,783,348$4,641,279$5,205,945
54$5,760,990$4,954,536$4,733,566$5,467,202
55$6,283,425$5,132,122$4,826,955$5,747,101
56$6,857,094$5,316,356$4,921,418$6,047,300
57$7,487,160$5,507,500$5,016,928$6,369,617
58$8,179,308$5,705,825$5,113,452$6,716,051
59$8,939,801$5,911,615$5,210,957$7,088,791
60$9,775,541$6,125,163$5,309,403$7,490,247
61$10,694,127$6,346,778$5,408,750$7,923,062
62$11,703,937$6,576,778$5,508,951$8,390,139
63$12,814,195$6,815,497$5,609,958$8,894,671
64$14,035,068$7,063,282$5,711,717$9,440,163
65$15,377,756$7,320,494$5,814,171$10,030,470
66$16,854,598$7,587,509$5,917,256$10,669,828
67$18,479,190$7,864,720$6,020,907$11,362,895
68$20,266,511$8,152,534$6,125,051$12,114,793
69$22,233,066$8,451,379$6,229,611$12,931,154
70$24,397,039$8,761,697$6,334,503$13,818,173
71$26,778,468$9,083,951$6,439,640$14,782,663
72$29,399,430$9,418,623$6,544,926$15,832,121
73$32,284,251$9,766,215$6,650,261$16,974,794
74$35,459,736$10,127,251$6,755,535$18,219,755
75$38,955,418$10,502,275$6,860,635$19,576,991
76$42,803,842$10,891,858$6,965,438$21,057,489
77$47,040,867$11,296,592$7,069,813$22,673,345
78$51,706,005$11,717,095$7,173,622$24,437,869
79$56,842,798$12,154,013$7,276,718$26,365,715
80$62,499,221$12,608,017$7,378,945$28,473,011
81$68,728,140$13,079,808$7,480,139$30,777,515
82$75,587,810$13,570,119$7,580,124$33,298,776
83$83,142,423$14,079,711$7,678,714$36,058,319
84$91,462,713$14,609,379$7,775,713$39,079,843
85$100,626,625$15,159,954$7,870,915$42,389,445
86$110,720,049$15,732,300$7,964,099$46,015,860
87$121,837,632$16,327,321$8,055,034$49,990,733
88$134,083,669$16,945,958$8,143,477$54,348,913
89$147,573,088$17,589,195$8,229,167$59,128,781
90$162,432,533$18,258,056$8,311,835$64,372,605
91$178,801,562$18,953,611$8,391,192$70,126,941
92$196,833,960$19,676,977$8,466,936$76,443,063
93$216,699,194$20,429,319$8,538,748$83,377,451
94$238,584,010$21,211,853$8,606,294$90,992,314
95$262,694,194$22,025,849$8,669,220$99,356,176
96$289,256,516$22,872,630$8,727,154$108,544,520
97$318,520,873$23,753,581$8,779,705$118,640,495
98$350,762,640$24,670,145$8,826,463$129,735,697
99$386,285,275$25,623,828$8,866,996$141,931,028
100$425,423,182$26,616,204$8,900,849$155,337,647