Can I retire at age 52 with 4,900,000?

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 $4,900,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17%
1 years$404,637$401,033$397,517$394,084$390,733$379,595
2 years$200,316$196,585$192,969$189,464$186,063$174,928
3 years$132,217$128,470$124,864$121,391$118,046$107,263
4 years$98,175$94,439$90,869$87,456$84,192$73,844
5 years$77,754$74,042$70,518$67,174$64,001$54,116
6 years$64,145$60,461$56,989$53,720$50,642$41,230
7 years$54,429$50,775$47,358$44,166$41,185$32,246
8 years$47,144$43,523$40,163$37,050$34,167$25,695
9 years$41,482$37,895$34,593$31,558$28,774$20,760
10 years$36,954$33,402$30,159$27,203$24,517$16,951
11 years$33,252$29,736$26,551$23,675$21,085$13,956
12 years$30,170$26,690$23,564$20,766$18,272$11,565
13 years$27,563$24,120$21,053$18,334$15,934$9,633
14 years$25,331$21,924$18,916$16,274$13,967$8,059
15 years$23,398$20,028$17,078$14,514$12,298$6,765
16 years$21,709$18,375$15,484$12,996$10,869$5,695
17 years$20,220$16,923$14,090$11,676$9,637$4,806
18 years$18,897$15,638$12,862$10,523$8,569$4,064
19 years$17,716$14,493$11,775$9,508$7,638$3,442
20 years$16,654$13,467$10,806$8,612$6,822$2,919
21 years$15,694$12,544$9,940$7,816$6,105$2,479
22 years$14,822$11,710$9,161$7,106$5,472$2,107
23 years$14,028$10,952$8,459$6,472$4,912$1,792
24 years$13,301$10,261$7,823$5,903$4,415$1,526
25 years$12,633$9,630$7,245$5,391$3,973$1,300
26 years$12,017$9,050$6,720$4,929$3,579$1,107
27 years$11,448$8,517$6,240$4,512$3,227$944
28 years$10,921$8,026$5,801$4,134$2,911$805
29 years$10,431$7,571$5,398$3,791$2,629$687
30 years$9,974$7,150$5,028$3,479$2,375$586
31 years$9,548$6,760$4,688$3,195$2,148$500
32 years$9,149$6,396$4,374$2,936$1,943$427
33 years$8,775$6,057$4,084$2,700$1,758$365
34 years$8,424$5,741$3,816$2,484$1,592$312
35 years$8,094$5,445$3,567$2,287$1,442$266
36 years$7,782$5,168$3,337$2,106$1,306$227
37 years$7,489$4,908$3,123$1,941$1,184$194
38 years$7,211$4,665$2,925$1,789$1,073$166
39 years$6,948$4,436$2,740$1,649$973$142
40 years$6,699$4,220$2,569$1,521$883$121
41 years$6,463$4,017$2,408$1,404$801$103
42 years$6,238$3,826$2,259$1,295$727$88
43 years$6,025$3,645$2,120$1,196$660$76
44 years$5,822$3,475$1,990$1,104$599$65
45 years$5,628$3,314$1,869$1,020$544$55
46 years$5,444$3,161$1,755$942$493$47
47 years$5,268$3,017$1,649$870$448$40
48 years$5,099$2,880$1,549$804$407$34
49 years$4,938$2,750$1,456$743$370$29
50 years$4,784$2,627$1,369$687$336$25

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $4,900,000, adding $6,323 every year, while hoping to spend $54,672 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: 72/21/7 Blend
51$4,900,000$4,900,000$4,900,000$4,900,000
52$5,406,322$5,146,622$5,070,672$5,789,618
53$5,899,596$5,340,636$5,182,369$6,237,390
54$6,441,352$5,542,324$5,295,976$6,720,047
55$7,036,477$5,752,005$5,411,498$7,246,954
56$7,690,355$5,970,011$5,528,940$7,822,456
57$8,408,918$6,196,687$5,648,306$8,451,335
58$9,198,699$6,432,397$5,769,596$9,138,857
59$10,066,899$6,677,517$5,892,810$9,890,817
60$11,021,447$6,932,440$6,017,944$10,713,594
61$12,071,083$7,197,578$6,144,993$11,614,211
62$13,225,434$7,473,359$6,273,950$12,600,403
63$14,495,106$7,760,231$6,404,805$13,680,681
64$15,891,785$8,058,662$6,537,545$14,864,422
65$17,428,349$8,369,138$6,672,155$16,161,948
66$19,118,984$8,692,169$6,808,615$17,584,627
67$20,979,321$9,028,286$6,946,904$19,144,977
68$23,026,584$9,378,044$7,086,998$20,856,784
69$25,279,750$9,742,022$7,228,866$22,735,231
70$27,759,729$10,120,826$7,372,478$24,797,041
71$30,489,561$10,515,086$7,517,796$27,060,631
72$33,494,634$10,925,463$7,664,780$29,546,287
73$36,802,921$11,352,646$7,813,385$32,276,354
74$40,445,247$11,797,353$7,963,561$35,275,443
75$44,455,575$12,260,336$8,115,253$38,570,665
76$48,871,331$12,742,380$8,268,402$42,191,884
77$53,733,755$13,244,305$8,422,941$46,171,997
78$59,088,289$13,766,967$8,578,801$50,547,243
79$64,985,007$14,311,261$8,735,903$55,357,545
80$71,479,086$14,878,121$8,894,164$60,646,883
81$78,631,328$15,468,524$9,053,494$66,463,709
82$86,508,731$16,083,489$9,213,794$72,861,400
83$95,185,126$16,724,084$9,374,960$79,898,762
84$104,741,867$17,391,422$9,536,879$87,640,584
85$115,268,602$18,086,667$9,699,430$96,158,245
86$126,864,122$18,811,036$9,862,482$105,530,387
87$139,637,285$19,565,799$10,025,898$115,843,653
88$153,708,051$20,352,287$10,189,529$127,193,508
89$169,208,610$21,171,886$10,353,215$139,685,130
90$186,284,629$22,026,050$10,516,789$153,434,406
91$205,096,629$22,916,294$10,680,070$168,569,021
92$225,821,500$23,844,207$10,842,867$185,229,662
93$248,654,165$24,811,445$11,004,975$203,571,341
94$273,809,426$25,819,742$11,166,178$223,764,856
95$301,523,988$26,870,911$11,326,246$245,998,403
96$332,058,696$27,966,846$11,484,935$270,479,346
97$365,700,990$29,109,528$11,641,988$297,436,169
98$402,767,625$30,301,030$11,797,129$327,120,638
99$443,607,659$31,543,517$11,950,069$359,810,163
100$488,605,746$32,839,254$12,100,502$395,810,423