Can I retire at age 52 with 4,800,000?

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 $4,800,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.6%
1 years$396,380$392,849$389,404$386,042$382,759$368,008
2 years$196,227$192,573$189,031$185,597$182,266$167,581
3 years$129,519$125,849$122,316$118,914$115,637$101,480
4 years$96,171$92,512$89,014$85,671$82,473$68,952
5 years$76,168$72,531$69,079$65,803$62,695$49,843
6 years$62,836$59,227$55,826$52,623$49,608$37,436
7 years$53,318$49,738$46,392$43,265$40,345$28,847
8 years$46,182$42,635$39,344$36,294$33,470$22,636
9 years$40,635$37,121$33,887$30,914$28,187$18,001
10 years$36,200$32,721$29,543$26,648$24,016$14,459
11 years$32,574$29,129$26,009$23,192$20,655$11,705
12 years$29,554$26,145$23,083$20,342$17,899$9,533
13 years$27,001$23,627$20,623$17,959$15,608$7,802
14 years$24,814$21,477$18,530$15,942$13,682$6,410
15 years$22,921$19,619$16,730$14,218$12,047$5,283
16 years$21,266$18,000$15,168$12,730$10,647$4,364
17 years$19,807$16,578$13,802$11,438$9,440$3,613
18 years$18,512$15,318$12,600$10,308$8,394$2,997
19 years$17,354$14,197$11,534$9,314$7,482$2,489
20 years$16,314$13,193$10,586$8,436$6,683$2,069
21 years$15,373$12,288$9,737$7,656$5,980$1,722
22 years$14,520$11,471$8,974$6,961$5,361$1,434
23 years$13,742$10,728$8,286$6,340$4,812$1,195
24 years$13,029$10,052$7,663$5,782$4,325$997
25 years$12,375$9,433$7,098$5,281$3,892$831
26 years$11,772$8,866$6,583$4,828$3,506$694
27 years$11,215$8,344$6,113$4,419$3,161$579
28 years$10,698$7,862$5,682$4,049$2,852$484
29 years$10,218$7,417$5,288$3,713$2,575$404
30 years$9,771$7,005$4,926$3,408$2,327$337
31 years$9,353$6,622$4,592$3,130$2,104$282
32 years$8,962$6,265$4,284$2,876$1,903$236
33 years$8,596$5,933$4,000$2,645$1,722$197
34 years$8,252$5,624$3,738$2,434$1,559$165
35 years$7,928$5,334$3,494$2,240$1,412$138
36 years$7,624$5,063$3,269$2,063$1,280$115
37 years$7,336$4,808$3,060$1,901$1,160$96
38 years$7,064$4,570$2,865$1,752$1,051$80
39 years$6,806$4,345$2,684$1,616$953$67
40 years$6,562$4,134$2,516$1,490$865$56
41 years$6,331$3,935$2,359$1,375$785$47
42 years$6,111$3,748$2,213$1,269$712$39
43 years$5,902$3,571$2,077$1,171$646$33
44 years$5,703$3,404$1,949$1,082$586$27
45 years$5,513$3,246$1,830$999$532$23
46 years$5,333$3,096$1,719$923$483$19
47 years$5,160$2,955$1,615$852$439$16
48 years$4,995$2,821$1,518$788$399$13
49 years$4,837$2,694$1,427$728$362$11
50 years$4,686$2,573$1,341$673$329$9

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $4,800,000, adding $4,760 every year, while hoping to spend $57,389 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: 70/8/22 Blend
51$4,800,000$4,800,000$4,800,000$4,800,000
52$5,294,510$5,040,110$4,965,710$5,635,798
53$5,773,489$5,226,014$5,071,000$6,050,279
54$6,299,399$5,419,104$5,177,893$6,496,634
55$6,876,969$5,619,671$5,286,384$6,983,834
56$7,511,405$5,828,019$5,396,462$7,515,920
57$8,208,442$6,044,466$5,508,117$8,097,340
58$8,974,399$6,269,341$5,621,335$8,732,993
59$9,816,237$6,502,988$5,736,100$9,428,275
60$10,741,627$6,745,768$5,852,393$10,189,128
61$11,759,016$6,998,054$5,970,191$11,022,095
62$12,877,714$7,260,237$6,089,471$11,934,386
63$14,107,977$7,532,724$6,210,204$12,933,939
64$15,461,103$7,815,941$6,332,358$14,029,499
65$16,949,543$8,110,329$6,455,900$15,230,700
66$18,587,013$8,416,352$6,580,789$16,548,152
67$20,388,626$8,734,491$6,706,984$17,993,546
68$22,371,035$9,065,250$6,834,436$19,579,758
69$24,552,586$9,409,153$6,963,096$21,320,974
70$26,953,497$9,766,748$7,092,906$23,232,822
71$29,596,042$10,138,607$7,223,807$25,332,519
72$32,504,764$10,525,325$7,355,731$27,639,035
73$35,706,710$10,927,526$7,488,607$30,173,267
74$39,231,677$11,345,857$7,622,358$32,958,240
75$43,112,501$11,780,998$7,756,901$36,019,321
76$47,385,364$12,233,655$7,892,145$39,384,460
77$52,090,134$12,704,566$8,027,995$43,084,451
78$57,270,742$13,194,504$8,164,346$47,153,224
79$62,975,595$13,704,272$8,301,089$51,628,164
80$69,258,035$14,234,711$8,438,105$56,550,463
81$76,176,841$14,786,698$8,575,268$61,965,506
82$83,796,780$15,361,148$8,712,441$67,923,303
83$92,189,226$15,959,018$8,849,482$74,478,959
84$101,432,824$16,581,307$8,986,236$81,693,190
85$111,614,238$17,229,057$9,122,542$89,632,900
86$122,828,968$17,903,358$9,258,224$98,371,809
87$135,182,247$18,605,347$9,393,099$107,991,148
88$148,790,040$19,336,213$9,526,971$118,580,429
89$163,780,132$20,097,195$9,659,633$130,238,282
90$180,293,339$20,889,592$9,790,865$143,073,392
91$198,484,834$21,714,756$9,920,433$157,205,520
92$218,525,611$22,574,103$10,048,091$172,766,634
93$240,604,100$23,469,110$10,173,579$189,902,155
94$264,927,944$24,401,323$10,296,620$208,772,325
95$291,725,961$25,372,354$10,416,923$229,553,725
96$321,250,299$26,383,890$10,534,180$252,440,934
97$353,778,821$27,437,692$10,648,067$277,648,368
98$389,617,724$28,535,602$10,758,240$305,412,307
99$429,104,428$29,679,543$10,864,338$335,993,116
100$472,610,766$30,871,527$10,965,979$369,677,709