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

Use the below retirement simulation to view the chances of a successful retirement.
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%13.8%
1 years$379,864$376,480$373,179$369,957$366,810$361,031
2 years$188,051$184,549$181,155$177,864$174,672$168,864
3 years$124,122$120,605$117,219$113,959$110,819$105,164
4 years$92,164$88,657$85,306$82,101$79,037$73,578
5 years$72,994$69,508$66,201$63,062$60,083$54,835
6 years$60,218$56,759$53,500$50,431$47,541$42,512
7 years$51,096$47,666$44,459$41,462$38,664$33,854
8 years$44,258$40,859$37,704$34,781$32,075$27,484
9 years$38,942$35,575$32,475$29,626$27,012$22,637
10 years$34,692$31,357$28,312$25,538$23,016$18,853
11 years$31,216$27,916$24,926$22,226$19,794$15,840
12 years$28,322$25,056$22,121$19,495$17,153$13,402
13 years$25,876$22,643$19,764$17,211$14,958$11,405
14 years$23,780$20,582$17,758$15,278$13,112$9,751
15 years$21,966$18,802$16,033$13,625$11,545$8,370
16 years$20,380$17,250$14,536$12,200$10,203$7,208
17 years$18,982$15,887$13,227$10,962$9,047$6,225
18 years$17,740$14,680$12,075$9,879$8,044$5,388
19 years$16,631$13,605$11,054$8,926$7,170$4,674
20 years$15,634$12,643$10,145$8,084$6,404$4,061
21 years$14,733$11,776$9,331$7,337$5,731$3,533
22 years$13,915$10,993$8,600$6,671$5,137$3,078
23 years$13,169$10,281$7,941$6,075$4,611$2,685
24 years$12,487$9,633$7,344$5,541$4,145$2,344
25 years$11,860$9,040$6,802$5,061$3,730$2,048
26 years$11,282$8,496$6,308$4,627$3,360$1,791
27 years$10,748$7,996$5,858$4,235$3,029$1,567
28 years$10,252$7,534$5,446$3,880$2,733$1,372
29 years$9,792$7,108$5,068$3,558$2,468$1,201
30 years$9,364$6,713$4,720$3,266$2,230$1,053
31 years$8,963$6,346$4,401$2,999$2,016$923
32 years$8,589$6,004$4,106$2,756$1,824$809
33 years$8,238$5,686$3,834$2,535$1,650$709
34 years$7,908$5,389$3,582$2,332$1,494$622
35 years$7,598$5,112$3,349$2,147$1,353$546
36 years$7,306$4,852$3,133$1,977$1,226$479
37 years$7,030$4,608$2,932$1,822$1,111$421
38 years$6,769$4,379$2,746$1,679$1,008$369
39 years$6,523$4,164$2,573$1,548$914$324
40 years$6,289$3,962$2,411$1,428$829$285
41 years$6,067$3,771$2,261$1,318$752$250
42 years$5,856$3,592$2,121$1,216$682$219
43 years$5,656$3,422$1,990$1,122$619$193
44 years$5,465$3,262$1,868$1,036$562$169
45 years$5,284$3,111$1,754$957$510$149
46 years$5,110$2,967$1,648$884$463$131
47 years$4,945$2,832$1,548$817$421$115
48 years$4,787$2,703$1,455$755$382$101
49 years$4,636$2,582$1,367$698$347$89
50 years$4,491$2,466$1,285$645$315$78

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 $2,849 every year, while hoping to spend $54,203 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: 50/20/30 Blend
51$4,600,000$4,600,000$4,600,000$4,600,000
52$5,072,139$4,828,339$4,757,039$5,282,446
53$5,531,825$5,007,256$4,858,728$5,609,093
54$6,036,583$5,193,123$4,962,007$5,958,360
55$6,590,953$5,386,224$5,066,872$6,336,976
56$7,199,935$5,586,854$5,173,317$6,747,758
57$7,869,039$5,795,321$5,281,335$7,193,803
58$8,604,336$6,011,946$5,390,914$7,678,520
59$9,412,511$6,237,065$5,502,043$8,205,660
60$10,300,933$6,471,026$5,614,706$8,779,352
61$11,277,716$6,714,194$5,728,887$9,404,137
62$12,351,802$6,966,949$5,844,564$10,085,018
63$13,533,044$7,229,688$5,961,715$10,827,498
64$14,832,296$7,502,824$6,080,314$11,637,636
65$16,261,515$7,786,788$6,200,330$12,522,104
66$17,833,880$8,082,030$6,321,731$13,488,245
67$19,563,907$8,389,021$6,444,480$14,544,148
68$21,467,592$8,708,249$6,568,536$15,698,715
69$23,562,560$9,040,227$6,693,856$16,961,752
70$25,868,231$9,385,489$6,820,391$18,344,056
71$28,406,003$9,744,590$6,948,086$19,857,517
72$31,199,453$10,118,112$7,076,884$21,515,232
73$34,274,560$10,506,662$7,206,722$23,331,622
74$37,659,949$10,910,873$7,337,532$25,322,572
75$41,387,164$11,331,406$7,469,240$27,505,578
76$45,490,961$11,768,951$7,601,765$29,899,911
77$50,009,638$12,224,228$7,735,023$32,526,799
78$54,985,395$12,697,990$7,868,921$35,409,622
79$60,464,736$13,191,022$8,003,360$38,574,139
80$66,498,900$13,704,143$8,138,233$42,048,722
81$73,144,352$14,238,210$8,273,428$45,864,628
82$80,463,310$14,794,117$8,408,823$50,056,289
83$88,524,337$15,372,798$8,544,288$54,661,640
84$97,402,982$15,975,228$8,679,684$59,722,469
85$107,182,498$16,602,426$8,814,865$65,284,818
86$117,954,624$17,255,455$8,949,674$71,399,409
87$129,820,450$17,935,428$9,083,943$78,122,126
88$142,891,377$18,643,504$9,217,496$85,514,539
89$157,290,159$19,380,897$9,350,143$93,644,481
90$173,152,068$20,148,874$9,481,686$102,586,693
91$190,626,169$20,948,759$9,611,913$112,423,521
92$209,876,725$21,781,935$9,740,599$123,245,694
93$231,084,748$22,649,847$9,867,506$135,153,182
94$254,449,709$23,554,006$9,992,383$148,256,131
95$280,191,416$24,495,989$10,114,965$162,675,906
96$308,552,094$25,477,447$10,234,971$178,546,230
97$339,798,668$26,500,102$10,352,102$196,014,451
98$374,225,282$27,565,756$10,466,047$215,242,921
99$412,156,075$28,676,293$10,576,475$236,410,537
100$453,948,244$29,833,680$10,683,035$259,714,417