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

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 $4,900,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.4%
1 years$404,637$401,033$397,517$394,084$390,733$378,984
2 years$200,316$196,585$192,969$189,464$186,063$174,326
3 years$132,217$128,470$124,864$121,391$118,046$106,688
4 years$98,175$94,439$90,869$87,456$84,192$73,299
5 years$77,754$74,042$70,518$67,174$64,001$53,604
6 years$64,145$60,461$56,989$53,720$50,642$40,750
7 years$54,429$50,775$47,358$44,166$41,185$31,798
8 years$47,144$43,523$40,163$37,050$34,167$25,279
9 years$41,482$37,895$34,593$31,558$28,774$20,375
10 years$36,954$33,402$30,159$27,203$24,517$16,595
11 years$33,252$29,736$26,551$23,675$21,085$13,627
12 years$30,170$26,690$23,564$20,766$18,272$11,262
13 years$27,563$24,120$21,053$18,334$15,934$9,356
14 years$25,331$21,924$18,916$16,274$13,967$7,806
15 years$23,398$20,028$17,078$14,514$12,298$6,534
16 years$21,709$18,375$15,484$12,996$10,869$5,485
17 years$20,220$16,923$14,090$11,676$9,637$4,615
18 years$18,897$15,638$12,862$10,523$8,569$3,891
19 years$17,716$14,493$11,775$9,508$7,638$3,285
20 years$16,654$13,467$10,806$8,612$6,822$2,778
21 years$15,694$12,544$9,940$7,816$6,105$2,352
22 years$14,822$11,710$9,161$7,106$5,472$1,993
23 years$14,028$10,952$8,459$6,472$4,912$1,690
24 years$13,301$10,261$7,823$5,903$4,415$1,434
25 years$12,633$9,630$7,245$5,391$3,973$1,217
26 years$12,017$9,050$6,720$4,929$3,579$1,034
27 years$11,448$8,517$6,240$4,512$3,227$879
28 years$10,921$8,026$5,801$4,134$2,911$747
29 years$10,431$7,571$5,398$3,791$2,629$635
30 years$9,974$7,150$5,028$3,479$2,375$540
31 years$9,548$6,760$4,688$3,195$2,148$460
32 years$9,149$6,396$4,374$2,936$1,943$391
33 years$8,775$6,057$4,084$2,700$1,758$333
34 years$8,424$5,741$3,816$2,484$1,592$283
35 years$8,094$5,445$3,567$2,287$1,442$241
36 years$7,782$5,168$3,337$2,106$1,306$205
37 years$7,489$4,908$3,123$1,941$1,184$175
38 years$7,211$4,665$2,925$1,789$1,073$149
39 years$6,948$4,436$2,740$1,649$973$127
40 years$6,699$4,220$2,569$1,521$883$108
41 years$6,463$4,017$2,408$1,404$801$92
42 years$6,238$3,826$2,259$1,295$727$78
43 years$6,025$3,645$2,120$1,196$660$67
44 years$5,822$3,475$1,990$1,104$599$57
45 years$5,628$3,314$1,869$1,020$544$48
46 years$5,444$3,161$1,755$942$493$41
47 years$5,268$3,017$1,649$870$448$35
48 years$5,099$2,880$1,549$804$407$30
49 years$4,938$2,750$1,456$743$370$25
50 years$4,784$2,627$1,369$687$336$22

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 $5,521 every year, while hoping to spend $56,250 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: 54/40/6 Blend
51$4,900,000$4,900,000$4,900,000$4,900,000
52$5,405,495$5,145,795$5,069,845$5,689,822
53$5,897,006$5,338,089$5,179,835$6,074,844
54$6,436,766$5,537,921$5,291,625$6,486,970
55$7,029,636$5,745,599$5,405,215$6,934,110
56$7,680,974$5,961,448$5,520,604$7,419,588
57$8,396,679$6,185,805$5,637,790$7,947,055
58$9,183,251$6,419,021$5,756,767$8,520,527
59$10,047,852$6,661,463$5,877,529$9,144,420
60$10,998,372$6,913,513$6,000,065$9,823,588
61$12,043,503$7,175,572$6,124,363$10,563,372
62$13,192,821$7,448,055$6,250,410$11,369,643
63$14,456,876$7,731,398$6,378,187$12,248,863
64$15,847,295$8,026,054$6,507,673$13,208,137
65$17,376,885$8,332,496$6,638,846$14,255,286
66$19,059,757$8,651,219$6,771,678$15,398,913
67$20,911,462$8,982,737$6,906,138$16,648,484
68$22,949,129$9,327,590$7,042,192$18,014,420
69$25,191,637$9,686,339$7,179,802$19,508,185
70$27,659,784$10,059,569$7,318,925$21,142,402
71$30,376,488$10,447,894$7,459,515$22,930,963
72$33,367,001$10,851,952$7,601,520$24,889,158
73$36,659,148$11,272,410$7,744,884$27,033,824
74$40,283,588$11,709,966$7,889,545$29,383,493
75$44,274,105$12,165,345$8,035,436$31,958,571
76$48,667,925$12,639,308$8,182,484$34,781,525
77$53,506,067$13,132,648$8,330,611$37,877,093
78$58,833,731$13,646,193$8,479,732$41,272,514
79$64,700,724$14,180,809$8,629,755$44,997,785
80$71,161,927$14,737,398$8,780,581$49,085,939
81$78,277,817$15,316,904$8,932,104$53,573,354
82$86,115,035$15,920,313$9,084,210$58,500,093
83$94,747,016$16,548,655$9,236,778$63,910,280
84$104,254,678$17,203,006$9,389,677$69,852,513
85$114,727,191$17,884,489$9,542,767$76,380,318
86$126,262,814$18,594,278$9,695,899$83,552,650
87$138,969,824$19,333,601$9,848,915$91,434,448
88$152,967,538$20,103,739$10,001,645$100,097,244
89$168,387,436$20,906,032$10,153,910$109,619,829
90$185,374,406$21,741,880$10,305,518$120,088,999
91$204,088,108$22,612,744$10,456,265$131,600,367
92$224,704,481$23,520,155$10,605,936$144,259,259
93$247,417,405$24,465,709$10,754,302$158,181,705
94$272,440,529$25,451,077$10,901,119$173,495,530
95$300,009,288$26,478,004$11,046,131$190,341,553
96$330,383,124$27,548,316$11,189,066$208,874,914
97$363,847,938$28,663,918$11,329,634$229,266,527
98$400,718,783$29,826,806$11,467,533$251,704,695
99$441,342,843$31,039,064$11,602,439$276,396,873
100$486,102,705$32,302,870$11,734,013$303,571,626