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%11.6%
1 years$363,348$360,111$356,954$353,872$350,862$348,505
2 years$179,875$176,525$173,278$170,131$167,077$164,700
3 years$118,726$115,361$112,123$109,004$106,001$103,677
4 years$88,157$84,803$81,597$78,531$75,601$73,348
5 years$69,820$66,486$63,322$60,320$57,470$55,296
6 years$57,600$54,291$51,174$48,238$45,474$43,381
7 years$48,875$45,594$42,526$39,659$36,983$34,971
8 years$42,334$39,082$36,065$33,269$30,681$28,751
9 years$37,249$34,028$31,063$28,338$25,838$23,989
10 years$33,183$29,994$27,081$24,428$22,015$20,247
11 years$29,859$26,702$23,842$21,259$18,934$17,245
12 years$27,091$23,966$21,159$18,647$16,407$14,796
13 years$24,751$21,658$18,904$16,463$14,308$12,772
14 years$22,746$19,687$16,986$14,614$12,542$11,081
15 years$21,011$17,984$15,336$13,033$11,043$9,654
16 years$19,494$16,500$13,904$11,670$9,760$8,441
17 years$18,156$15,196$12,652$10,485$8,654$7,403
18 years$16,969$14,042$11,550$9,449$7,694$6,510
19 years$15,908$13,014$10,573$8,538$6,858$5,737
20 years$14,954$12,093$9,704$7,733$6,126$5,066
21 years$14,092$11,264$8,925$7,018$5,482$4,481
22 years$13,310$10,515$8,226$6,381$4,914$3,969
23 years$12,597$9,834$7,595$5,811$4,411$3,521
24 years$11,944$9,214$7,024$5,300$3,965$3,127
25 years$11,344$8,647$6,506$4,841$3,568$2,779
26 years$10,791$8,127$6,034$4,426$3,214$2,473
27 years$10,280$7,648$5,603$4,051$2,897$2,202
28 years$9,807$7,207$5,209$3,712$2,614$1,962
29 years$9,367$6,799$4,847$3,404$2,361$1,749
30 years$8,956$6,421$4,515$3,124$2,133$1,560
31 years$8,574$6,070$4,209$2,869$1,928$1,392
32 years$8,216$5,743$3,927$2,637$1,744$1,243
33 years$7,880$5,439$3,667$2,425$1,579$1,110
34 years$7,564$5,155$3,426$2,231$1,429$992
35 years$7,268$4,889$3,203$2,054$1,295$887
36 years$6,988$4,641$2,997$1,891$1,173$793
37 years$6,724$4,408$2,805$1,743$1,063$709
38 years$6,475$4,189$2,627$1,606$964$634
39 years$6,239$3,983$2,461$1,481$874$567
40 years$6,015$3,790$2,306$1,366$793$508
41 years$5,803$3,607$2,163$1,260$719$454
42 years$5,602$3,436$2,029$1,163$653$407
43 years$5,410$3,273$1,904$1,074$592$364
44 years$5,228$3,120$1,787$991$538$326
45 years$5,054$2,975$1,678$916$488$292
46 years$4,888$2,838$1,576$846$443$261
47 years$4,730$2,709$1,481$781$402$234
48 years$4,579$2,586$1,391$722$365$209
49 years$4,434$2,469$1,308$667$332$188
50 years$4,296$2,359$1,229$617$301$168

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 $3,824 every year, while hoping to spend $20,151 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: 61/33/6 Blend
51$4,400,000$4,400,000$4,400,000$4,400,000
52$4,852,744$4,619,544$4,551,344$5,143,171
53$5,326,284$4,824,462$4,682,374$5,542,596
54$5,847,449$5,038,744$4,817,118$5,975,522
55$6,421,076$5,262,830$4,955,679$6,447,346
56$7,052,495$5,497,178$5,098,163$6,961,815
57$7,747,577$5,742,267$5,244,679$7,523,051
58$8,512,793$5,998,601$5,395,339$8,135,583
59$9,355,272$6,266,707$5,550,257$8,804,395
60$10,282,871$6,547,137$5,709,551$9,534,965
61$11,304,245$6,840,468$5,873,343$10,333,320
62$12,428,935$7,147,307$6,041,756$11,206,090
63$13,667,449$7,468,289$6,214,918$12,160,568
64$15,031,372$7,804,077$6,392,961$13,204,778
65$16,533,464$8,155,370$6,576,017$14,347,549
66$18,187,790$8,522,895$6,764,226$15,598,596
67$20,009,846$8,907,419$6,957,730$16,968,610
68$22,016,710$9,309,742$7,156,673$18,469,356
69$24,227,198$9,730,703$7,361,205$20,113,784
70$26,662,046$10,171,182$7,571,480$21,916,147
71$29,344,105$10,632,100$7,787,655$23,892,134
72$32,298,554$11,114,423$8,009,891$26,059,015
73$35,553,139$11,619,162$8,238,355$28,435,802
74$39,138,436$12,147,377$8,473,216$31,043,427
75$43,088,137$12,700,180$8,714,650$33,904,935
76$47,439,373$13,278,734$8,962,836$37,045,698
77$52,233,055$13,884,259$9,217,958$40,493,652
78$57,514,272$14,518,032$9,480,205$44,279,562
79$63,332,706$15,181,394$9,749,770$48,437,299
80$69,743,108$15,875,749$10,026,853$53,004,168
81$76,805,811$16,602,566$10,311,658$58,021,246
82$84,587,300$17,363,388$10,604,395$63,533,774
83$93,160,840$18,159,830$10,905,278$69,591,575
84$102,607,169$18,993,585$11,214,528$76,249,522
85$113,015,258$19,866,427$11,532,372$83,568,051
86$124,483,149$20,780,217$11,859,042$91,613,726
87$137,118,885$21,736,904$12,194,775$100,459,867
88$151,041,529$22,738,529$12,539,817$110,187,231
89$166,382,282$23,787,234$12,894,418$120,884,772
90$183,285,729$24,885,263$13,258,835$132,650,475
91$201,911,200$26,034,967$13,633,333$145,592,276
92$222,434,275$27,238,813$14,018,182$159,829,074
93$245,048,439$28,499,383$14,413,659$175,491,844
94$269,966,913$29,819,386$14,820,050$192,724,874
95$297,424,662$31,201,660$15,237,646$211,687,113
96$327,680,618$32,649,181$15,666,747$232,553,668
97$361,020,117$34,165,068$16,107,660$255,517,448
98$397,757,603$35,752,590$16,560,700$280,790,979
99$438,239,585$37,415,173$17,026,190$308,608,397
100$482,847,916$39,156,410$17,504,461$339,227,658