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%11.3%
1 years$404,637$401,033$397,517$394,084$390,733$388,596
2 years$200,316$196,585$192,969$189,464$186,063$183,907
3 years$132,217$128,470$124,864$121,391$118,046$115,938
4 years$98,175$94,439$90,869$87,456$84,192$82,147
5 years$77,754$74,042$70,518$67,174$64,001$62,026
6 years$64,145$60,461$56,989$53,720$50,642$48,739
7 years$54,429$50,775$47,358$44,166$41,185$39,356
8 years$47,144$43,523$40,163$37,050$34,167$32,411
9 years$41,482$37,895$34,593$31,558$28,774$27,090
10 years$36,954$33,402$30,159$27,203$24,517$22,905
11 years$33,252$29,736$26,551$23,675$21,085$19,545
12 years$30,170$26,690$23,564$20,766$18,272$16,801
13 years$27,563$24,120$21,053$18,334$15,934$14,531
14 years$25,331$21,924$18,916$16,274$13,967$12,631
15 years$23,398$20,028$17,078$14,514$12,298$11,027
16 years$21,709$18,375$15,484$12,996$10,869$9,661
17 years$20,220$16,923$14,090$11,676$9,637$8,490
18 years$18,897$15,638$12,862$10,523$8,569$7,482
19 years$17,716$14,493$11,775$9,508$7,638$6,608
20 years$16,654$13,467$10,806$8,612$6,822$5,847
21 years$15,694$12,544$9,940$7,816$6,105$5,184
22 years$14,822$11,710$9,161$7,106$5,472$4,602
23 years$14,028$10,952$8,459$6,472$4,912$4,091
24 years$13,301$10,261$7,823$5,903$4,415$3,642
25 years$12,633$9,630$7,245$5,391$3,973$3,245
26 years$12,017$9,050$6,720$4,929$3,579$2,893
27 years$11,448$8,517$6,240$4,512$3,227$2,582
28 years$10,921$8,026$5,801$4,134$2,911$2,306
29 years$10,431$7,571$5,398$3,791$2,629$2,061
30 years$9,974$7,150$5,028$3,479$2,375$1,843
31 years$9,548$6,760$4,688$3,195$2,148$1,649
32 years$9,149$6,396$4,374$2,936$1,943$1,476
33 years$8,775$6,057$4,084$2,700$1,758$1,322
34 years$8,424$5,741$3,816$2,484$1,592$1,184
35 years$8,094$5,445$3,567$2,287$1,442$1,061
36 years$7,782$5,168$3,337$2,106$1,306$951
37 years$7,489$4,908$3,123$1,941$1,184$852
38 years$7,211$4,665$2,925$1,789$1,073$764
39 years$6,948$4,436$2,740$1,649$973$685
40 years$6,699$4,220$2,569$1,521$883$615
41 years$6,463$4,017$2,408$1,404$801$552
42 years$6,238$3,826$2,259$1,295$727$495
43 years$6,025$3,645$2,120$1,196$660$444
44 years$5,822$3,475$1,990$1,104$599$399
45 years$5,628$3,314$1,869$1,020$544$358
46 years$5,444$3,161$1,755$942$493$321
47 years$5,268$3,017$1,649$870$448$289
48 years$5,099$2,880$1,549$804$407$259
49 years$4,938$2,750$1,456$743$370$233
50 years$4,784$2,627$1,369$687$336$209

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 $5,490 every year, while hoping to spend $43,061 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: 44/26/30 Blend
51$4,900,000$4,900,000$4,900,000$4,900,000
52$5,405,463$5,145,763$5,069,813$5,595,969
53$5,911,004$5,352,089$5,193,835$5,939,305
54$6,466,666$5,567,081$5,320,569$6,306,763
55$7,077,518$5,791,120$5,450,059$6,704,306
56$7,749,140$6,024,601$5,582,352$7,134,764
57$8,487,685$6,267,938$5,717,493$7,601,245
58$9,299,927$6,521,565$5,855,527$8,107,167
59$10,193,332$6,785,935$5,996,500$8,656,288
60$11,176,126$7,061,520$6,140,458$9,252,740
61$12,257,373$7,348,816$6,287,444$9,901,066
62$13,447,056$7,648,339$6,437,505$10,606,264
63$14,756,180$7,960,632$6,590,685$11,373,829
64$16,196,866$8,286,258$6,747,029$12,209,808
65$17,782,472$8,625,811$6,906,580$13,120,852
66$19,527,716$8,979,907$7,069,383$14,114,281
67$21,448,815$9,349,195$7,235,479$15,198,147
68$23,563,638$9,734,349$7,404,911$16,381,313
69$25,891,875$10,136,078$7,577,722$17,673,531
70$28,455,221$10,555,122$7,753,951$19,085,537
71$31,277,584$10,992,253$7,933,638$20,629,145
72$34,385,306$11,448,281$8,116,823$22,317,361
73$37,807,413$11,924,053$8,303,543$24,164,504
74$41,575,892$12,420,455$8,493,835$26,186,334
75$45,725,988$12,938,412$8,687,733$28,400,205
76$50,296,538$13,478,893$8,885,271$30,825,224
77$55,330,339$14,042,913$9,086,482$33,482,429
78$60,874,549$14,631,531$9,291,395$36,394,984
79$66,981,136$15,245,859$9,500,039$39,588,400
80$73,707,361$15,887,056$9,712,440$43,090,766
81$81,116,328$16,556,337$9,928,622$46,933,018
82$89,277,569$17,254,973$10,148,607$51,149,226
83$98,267,710$17,984,296$10,372,414$55,776,912
84$108,171,185$18,745,695$10,600,059$60,857,402
85$119,081,041$19,540,629$10,831,555$66,436,214
86$131,099,808$20,370,620$11,066,913$72,563,482
87$144,340,473$21,237,266$11,306,139$79,294,428
88$158,927,543$22,142,233$11,549,237$86,689,881
89$174,998,221$23,087,272$11,796,205$94,816,842
90$192,703,700$24,074,209$12,047,039$103,749,122
91$212,210,592$25,104,959$12,301,729$113,568,024
92$233,702,496$26,181,526$12,560,261$124,363,117
93$257,381,738$27,306,008$12,822,616$136,233,069
94$283,471,271$28,480,599$13,088,770$149,286,579
95$312,216,790$29,707,597$13,358,694$163,643,396
96$343,889,043$30,989,410$13,632,350$179,435,446
97$378,786,389$32,328,554$13,909,697$196,808,071
98$417,237,615$33,727,668$14,190,686$215,921,399
99$459,605,039$35,189,511$14,475,262$236,951,846
100$506,287,930$36,716,974$14,763,360$260,093,777