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%19.4%
1 years$379,864$376,480$373,179$369,957$366,810$352,954
2 years$188,051$184,549$181,155$177,864$174,672$160,872
3 years$124,122$120,605$117,219$113,959$110,819$97,511
4 years$92,164$88,657$85,306$82,101$79,037$66,322
5 years$72,994$69,508$66,201$63,062$60,083$47,993
6 years$60,218$56,759$53,500$50,431$47,541$36,086
7 years$51,096$47,666$44,459$41,462$38,664$27,839
8 years$44,258$40,859$37,704$34,781$32,075$21,871
9 years$38,942$35,575$32,475$29,626$27,012$17,414
10 years$34,692$31,357$28,312$25,538$23,016$14,005
11 years$31,216$27,916$24,926$22,226$19,794$11,353
12 years$28,322$25,056$22,121$19,495$17,153$9,259
13 years$25,876$22,643$19,764$17,211$14,958$7,588
14 years$23,780$20,582$17,758$15,278$13,112$6,242
15 years$21,966$18,802$16,033$13,625$11,545$5,152
16 years$20,380$17,250$14,536$12,200$10,203$4,263
17 years$18,982$15,887$13,227$10,962$9,047$3,534
18 years$17,740$14,680$12,075$9,879$8,044$2,935
19 years$16,631$13,605$11,054$8,926$7,170$2,441
20 years$15,634$12,643$10,145$8,084$6,404$2,033
21 years$14,733$11,776$9,331$7,337$5,731$1,695
22 years$13,915$10,993$8,600$6,671$5,137$1,414
23 years$13,169$10,281$7,941$6,075$4,611$1,180
24 years$12,487$9,633$7,344$5,541$4,145$985
25 years$11,860$9,040$6,802$5,061$3,730$823
26 years$11,282$8,496$6,308$4,627$3,360$688
27 years$10,748$7,996$5,858$4,235$3,029$575
28 years$10,252$7,534$5,446$3,880$2,733$481
29 years$9,792$7,108$5,068$3,558$2,468$403
30 years$9,364$6,713$4,720$3,266$2,230$337
31 years$8,963$6,346$4,401$2,999$2,016$282
32 years$8,589$6,004$4,106$2,756$1,824$236
33 years$8,238$5,686$3,834$2,535$1,650$198
34 years$7,908$5,389$3,582$2,332$1,494$165
35 years$7,598$5,112$3,349$2,147$1,353$138
36 years$7,306$4,852$3,133$1,977$1,226$116
37 years$7,030$4,608$2,932$1,822$1,111$97
38 years$6,769$4,379$2,746$1,679$1,008$81
39 years$6,523$4,164$2,573$1,548$914$68
40 years$6,289$3,962$2,411$1,428$829$57
41 years$6,067$3,771$2,261$1,318$752$48
42 years$5,856$3,592$2,121$1,216$682$40
43 years$5,656$3,422$1,990$1,122$619$33
44 years$5,465$3,262$1,868$1,036$562$28
45 years$5,284$3,111$1,754$957$510$23
46 years$5,110$2,967$1,648$884$463$20
47 years$4,945$2,832$1,548$817$421$16
48 years$4,787$2,703$1,455$755$382$14
49 years$4,636$2,582$1,367$698$347$12
50 years$4,491$2,466$1,285$645$315$10

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 $3,496 every year, while hoping to spend $25,099 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: 60/29/11 Blend
51$4,600,000$4,600,000$4,600,000$4,600,000
52$5,072,806$4,829,006$4,757,706$5,363,766
53$5,563,527$5,038,922$4,890,384$5,769,570
54$6,103,461$5,258,283$5,026,666$6,208,866
55$6,697,600$5,487,525$5,166,645$6,687,430
56$7,351,446$5,727,105$5,310,418$7,209,051
57$8,071,061$5,977,500$5,458,085$7,777,894
58$8,863,124$6,239,213$5,609,746$8,398,539
59$9,734,996$6,512,768$5,765,506$9,076,024
60$10,694,785$6,798,713$5,925,470$9,815,890
61$11,751,428$7,097,625$6,089,748$10,624,233
62$12,914,770$7,410,105$6,258,451$11,507,758
63$14,195,661$7,736,784$6,431,693$12,473,846
64$15,606,056$8,078,324$6,609,592$13,530,614
65$17,159,128$8,435,416$6,792,268$14,686,997
66$18,869,392$8,808,785$6,979,842$15,952,827
67$20,752,845$9,199,190$7,172,442$17,338,926
68$22,827,111$9,607,426$7,370,195$18,857,205
69$25,111,613$10,034,327$7,573,233$20,520,774
70$27,627,752$10,480,764$7,781,691$22,344,063
71$30,399,113$10,947,651$7,995,707$24,342,962
72$33,451,682$11,435,945$8,215,423$26,534,959
73$36,814,097$11,946,650$8,440,983$28,939,312
74$40,517,913$12,480,814$8,672,535$31,577,221
75$44,597,906$13,039,540$8,910,230$34,472,032
76$49,092,394$13,623,978$9,154,224$37,649,450
77$54,043,602$14,235,338$9,404,675$41,137,779
78$59,498,063$14,874,883$9,661,745$44,968,190
79$65,507,053$15,543,939$9,925,601$49,175,008
80$72,127,075$16,243,895$10,196,411$53,796,036
81$79,420,396$16,976,206$10,474,351$58,872,908
82$87,455,632$17,742,395$10,759,596$64,451,474
83$96,308,393$18,544,059$11,052,330$70,582,238
84$106,062,003$19,382,872$11,352,737$77,320,820
85$116,808,282$20,260,587$11,661,007$84,728,489
86$128,648,411$21,179,040$11,977,336$92,872,726
87$141,693,892$22,140,156$12,301,920$101,827,865
88$156,067,598$23,145,953$12,634,963$111,675,786
89$171,904,931$24,198,543$12,976,672$122,506,683
90$189,355,103$25,300,140$13,327,260$134,419,914
91$208,582,542$26,453,066$13,686,942$147,524,928
92$229,768,447$27,659,751$14,055,940$161,942,300
93$253,112,494$28,922,745$14,434,479$177,804,856
94$278,834,725$30,244,716$14,822,791$195,258,928
95$307,177,624$31,628,464$15,221,111$214,465,723
96$338,408,404$33,076,921$15,629,681$235,602,842
97$372,821,531$34,593,160$16,048,745$258,865,951
98$410,741,504$36,180,402$16,478,555$284,470,615
99$452,525,919$37,842,023$16,919,368$312,654,334
100$498,568,840$39,581,559$17,371,444$343,678,769