Can I retire at age 52 with 4,600,000?

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 $4,600,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.3%
1 years$379,864$376,480$373,179$369,957$366,810$360,289
2 years$188,051$184,549$181,155$177,864$174,672$168,124
3 years$124,122$120,605$117,219$113,959$110,819$104,448
4 years$92,164$88,657$85,306$82,101$79,037$72,893
5 years$72,994$69,508$66,201$63,062$60,083$54,183
6 years$60,218$56,759$53,500$50,431$47,541$41,892
7 years$51,096$47,666$44,459$41,462$38,664$33,267
8 years$44,258$40,859$37,704$34,781$32,075$26,929
9 years$38,942$35,575$32,475$29,626$27,012$22,114
10 years$34,692$31,357$28,312$25,538$23,016$18,362
11 years$31,216$27,916$24,926$22,226$19,794$15,379
12 years$28,322$25,056$22,121$19,495$17,153$12,970
13 years$25,876$22,643$19,764$17,211$14,958$11,001
14 years$23,780$20,582$17,758$15,278$13,112$9,374
15 years$21,966$18,802$16,033$13,625$11,545$8,019
16 years$20,380$17,250$14,536$12,200$10,203$6,882
17 years$18,982$15,887$13,227$10,962$9,047$5,922
18 years$17,740$14,680$12,075$9,879$8,044$5,107
19 years$16,631$13,605$11,054$8,926$7,170$4,414
20 years$15,634$12,643$10,145$8,084$6,404$3,821
21 years$14,733$11,776$9,331$7,337$5,731$3,312
22 years$13,915$10,993$8,600$6,671$5,137$2,874
23 years$13,169$10,281$7,941$6,075$4,611$2,497
24 years$12,487$9,633$7,344$5,541$4,145$2,172
25 years$11,860$9,040$6,802$5,061$3,730$1,890
26 years$11,282$8,496$6,308$4,627$3,360$1,646
27 years$10,748$7,996$5,858$4,235$3,029$1,434
28 years$10,252$7,534$5,446$3,880$2,733$1,251
29 years$9,792$7,108$5,068$3,558$2,468$1,091
30 years$9,364$6,713$4,720$3,266$2,230$952
31 years$8,963$6,346$4,401$2,999$2,016$831
32 years$8,589$6,004$4,106$2,756$1,824$725
33 years$8,238$5,686$3,834$2,535$1,650$634
34 years$7,908$5,389$3,582$2,332$1,494$553
35 years$7,598$5,112$3,349$2,147$1,353$484
36 years$7,306$4,852$3,133$1,977$1,226$423
37 years$7,030$4,608$2,932$1,822$1,111$369
38 years$6,769$4,379$2,746$1,679$1,008$323
39 years$6,523$4,164$2,573$1,548$914$282
40 years$6,289$3,962$2,411$1,428$829$247
41 years$6,067$3,771$2,261$1,318$752$216
42 years$5,856$3,592$2,121$1,216$682$189
43 years$5,656$3,422$1,990$1,122$619$165
44 years$5,465$3,262$1,868$1,036$562$144
45 years$5,284$3,111$1,754$957$510$126
46 years$5,110$2,967$1,648$884$463$110
47 years$4,945$2,832$1,548$817$421$97
48 years$4,787$2,703$1,455$755$382$84
49 years$4,636$2,582$1,367$698$347$74
50 years$4,491$2,466$1,285$645$315$65

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $4,600,000, adding $6,069 every year, while hoping to spend $57,285 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: 59/21/20 Blend
51$4,600,000$4,600,000$4,600,000$4,600,000
52$5,075,460$4,831,660$4,760,360$5,347,812
53$5,532,206$5,007,461$4,858,881$5,709,058
54$6,033,621$5,189,956$4,958,783$6,096,067
55$6,584,199$5,379,412$5,060,051$6,516,862
56$7,188,893$5,576,109$5,162,669$6,974,722
57$7,853,159$5,780,338$5,266,617$7,473,252
58$8,583,006$5,992,399$5,371,874$8,016,424
59$9,385,056$6,212,610$5,478,415$8,608,606
60$10,266,603$6,441,299$5,586,213$9,254,608
61$11,235,682$6,678,808$5,695,236$9,959,724
62$12,301,146$6,925,494$5,805,451$10,729,781
63$13,472,749$7,181,730$5,916,820$11,571,196
64$14,761,238$7,447,903$6,029,302$12,491,033
65$16,178,452$7,724,418$6,142,852$13,497,070
66$17,737,436$8,011,697$6,257,420$14,597,871
67$19,452,564$8,310,179$6,372,952$15,802,867
68$21,339,670$8,620,322$6,489,391$17,122,445
69$23,416,204$8,942,606$6,606,673$18,568,040
70$25,701,392$9,277,528$6,724,731$20,152,248
71$28,216,415$9,625,608$6,843,491$21,888,943
72$30,984,615$9,987,389$6,962,874$23,793,404
73$34,031,711$10,363,436$7,082,795$25,882,459
74$37,386,040$10,754,339$7,203,164$28,174,645
75$41,078,829$11,160,715$7,323,882$30,690,379
76$45,144,483$11,583,203$7,444,846$33,452,153
77$49,620,917$12,022,476$7,565,944$36,484,741
78$54,549,904$12,479,232$7,687,058$39,815,435
79$59,977,480$12,954,199$7,808,059$43,474,299
80$65,954,368$13,448,140$7,928,815$47,494,454
81$72,536,463$13,961,849$8,049,179$51,912,387
82$79,785,356$14,496,153$8,169,001$56,768,295
83$87,768,917$15,051,919$8,288,117$62,106,462
84$96,561,933$15,630,050$8,406,355$67,975,676
85$106,246,815$16,231,487$8,523,533$74,429,692
86$116,914,375$16,857,215$8,639,456$81,527,729
87$128,664,683$17,508,260$8,753,920$89,335,035
88$141,608,012$18,185,696$8,866,707$97,923,499
89$155,865,875$18,890,642$8,977,588$107,372,327
90$171,572,177$19,624,265$9,086,320$117,768,788
91$188,874,473$20,387,788$9,192,646$129,209,035
92$207,935,364$21,182,485$9,296,294$141,799,015
93$228,934,030$22,009,686$9,396,979$155,655,460
94$252,067,922$22,870,781$9,494,399$170,906,993
95$277,554,624$23,767,223$9,588,235$187,695,338
96$305,633,906$24,700,527$9,678,151$206,176,654
97$336,569,989$25,672,277$9,763,793$226,523,008
98$370,654,037$26,684,128$9,844,790$248,923,997
99$408,206,906$27,737,808$9,920,748$273,588,536
100$449,582,172$28,835,123$9,991,255$300,746,824