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%17.2%
1 years$396,380$392,849$389,404$386,042$382,759$371,549
2 years$196,227$192,573$189,031$185,597$182,266$171,063
3 years$129,519$125,849$122,316$118,914$115,637$104,792
4 years$96,171$92,512$89,014$85,671$82,473$72,069
5 years$76,168$72,531$69,079$65,803$62,695$52,761
6 years$62,836$59,227$55,826$52,623$49,608$40,153
7 years$53,318$49,738$46,392$43,265$40,345$31,368
8 years$46,182$42,635$39,344$36,294$33,470$24,966
9 years$40,635$37,121$33,887$30,914$28,187$20,147
10 years$36,200$32,721$29,543$26,648$24,016$16,430
11 years$32,574$29,129$26,009$23,192$20,655$13,509
12 years$29,554$26,145$23,083$20,342$17,899$11,180
13 years$27,001$23,627$20,623$17,959$15,608$9,300
14 years$24,814$21,477$18,530$15,942$13,682$7,769
15 years$22,921$19,619$16,730$14,218$12,047$6,513
16 years$21,266$18,000$15,168$12,730$10,647$5,475
17 years$19,807$16,578$13,802$11,438$9,440$4,614
18 years$18,512$15,318$12,600$10,308$8,394$3,895
19 years$17,354$14,197$11,534$9,314$7,482$3,294
20 years$16,314$13,193$10,586$8,436$6,683$2,790
21 years$15,373$12,288$9,737$7,656$5,980$2,365
22 years$14,520$11,471$8,974$6,961$5,361$2,007
23 years$13,742$10,728$8,286$6,340$4,812$1,705
24 years$13,029$10,052$7,663$5,782$4,325$1,449
25 years$12,375$9,433$7,098$5,281$3,892$1,232
26 years$11,772$8,866$6,583$4,828$3,506$1,048
27 years$11,215$8,344$6,113$4,419$3,161$892
28 years$10,698$7,862$5,682$4,049$2,852$760
29 years$10,218$7,417$5,288$3,713$2,575$647
30 years$9,771$7,005$4,926$3,408$2,327$551
31 years$9,353$6,622$4,592$3,130$2,104$470
32 years$8,962$6,265$4,284$2,876$1,903$400
33 years$8,596$5,933$4,000$2,645$1,722$341
34 years$8,252$5,624$3,738$2,434$1,559$291
35 years$7,928$5,334$3,494$2,240$1,412$248
36 years$7,624$5,063$3,269$2,063$1,280$212
37 years$7,336$4,808$3,060$1,901$1,160$180
38 years$7,064$4,570$2,865$1,752$1,051$154
39 years$6,806$4,345$2,684$1,616$953$131
40 years$6,562$4,134$2,516$1,490$865$112
41 years$6,331$3,935$2,359$1,375$785$96
42 years$6,111$3,748$2,213$1,269$712$81
43 years$5,902$3,571$2,077$1,171$646$70
44 years$5,703$3,404$1,949$1,082$586$59
45 years$5,513$3,246$1,830$999$532$51
46 years$5,333$3,096$1,719$923$483$43
47 years$5,160$2,955$1,615$852$439$37
48 years$4,995$2,821$1,518$788$399$31
49 years$4,837$2,694$1,427$728$362$27
50 years$4,686$2,573$1,341$673$329$23

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 $4,416 every year, while hoping to spend $49,530 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: 70/14/16 Blend
51$4,800,000$4,800,000$4,800,000$4,800,000
52$5,294,155$5,039,755$4,965,355$5,644,740
53$5,781,459$5,234,004$5,078,995$6,072,753
54$6,316,809$5,436,110$5,194,782$6,534,688
55$6,905,051$5,646,408$5,312,735$7,038,991
56$7,551,528$5,865,243$5,432,873$7,589,835
57$8,262,124$6,092,980$5,555,215$8,191,817
58$9,043,321$6,329,997$5,679,775$8,849,995
59$9,902,262$6,576,689$5,806,570$9,569,940
60$10,846,816$6,833,469$5,935,612$10,357,785
61$11,885,651$7,100,769$6,066,915$11,220,283
62$13,028,320$7,379,040$6,200,490$12,164,870
63$14,285,347$7,668,751$6,336,344$13,199,736
64$15,668,326$7,970,394$6,474,486$14,333,898
65$17,190,035$8,284,483$6,614,921$15,577,289
66$18,864,550$8,611,553$6,757,651$16,940,847
67$20,707,380$8,952,166$6,902,679$18,436,618
68$22,735,617$9,306,906$7,050,003$20,077,873
69$24,968,090$9,676,385$7,199,619$21,879,226
70$27,425,550$10,061,242$7,351,520$23,856,776
71$30,130,857$10,462,144$7,505,697$26,028,257
72$33,109,205$10,879,789$7,662,138$28,413,201
73$36,388,351$11,314,907$7,820,828$31,033,128
74$39,998,884$11,768,258$7,981,746$33,911,740
75$43,974,508$12,240,640$8,144,872$37,075,150
76$48,352,360$12,732,884$8,310,178$40,552,126
77$53,173,366$13,245,860$8,477,634$44,374,359
78$58,482,620$13,780,478$8,647,205$48,576,764
79$64,329,813$14,337,688$8,818,853$53,197,806
80$70,769,702$14,918,482$8,992,532$58,279,863
81$77,862,625$15,523,901$9,168,195$63,869,623
82$85,675,069$16,155,029$9,345,786$70,018,527
83$94,280,302$16,813,001$9,525,246$76,783,251
84$103,759,060$17,499,005$9,706,509$84,226,237
85$114,200,310$18,214,282$9,889,503$92,416,285
86$125,702,088$18,960,129$10,074,148$101,429,200
87$138,372,428$19,737,902$10,260,359$111,348,502
88$152,330,378$20,549,022$10,448,043$122,266,219
89$167,707,124$21,394,971$10,637,100$134,283,750
90$184,647,227$22,277,301$10,827,419$147,512,821
91$203,309,992$23,197,636$11,018,885$162,076,536
92$223,870,964$24,157,673$11,211,371$178,110,541
93$246,523,590$25,159,187$11,404,740$195,764,300
94$271,481,045$26,204,036$11,598,847$215,202,505
95$298,978,240$27,294,162$11,793,537$236,606,626
96$329,274,042$28,431,598$11,988,642$260,176,624
97$362,653,716$29,618,468$12,183,983$286,132,837
98$399,431,619$30,856,997$12,379,371$314,718,055
99$439,954,166$32,149,512$12,574,602$346,199,810
100$484,603,099$33,498,446$12,769,459$380,872,901