Can I retire at age 52 with 3,100,000?

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 $3,100,000?

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%
1 years$255,995$253,715$251,490$249,319$247,198$240,055
2 years$126,730$124,370$122,083$119,865$117,714$110,573
3 years$83,648$81,277$78,996$76,799$74,682$67,769
4 years$62,110$59,747$57,489$55,329$53,264$46,631
5 years$49,192$46,843$44,613$42,498$40,490$34,156
6 years$40,582$38,251$36,054$33,986$32,039$26,008
7 years$34,434$32,123$29,961$27,942$26,056$20,329
8 years$29,826$27,535$25,410$23,440$21,616$16,190
9 years$26,243$23,974$21,885$19,965$18,204$13,073
10 years$23,379$21,132$19,080$17,210$15,511$10,668
11 years$21,037$18,813$16,798$14,978$13,340$8,777
12 years$19,087$16,885$14,908$13,138$11,560$7,268
13 years$17,438$15,259$13,319$11,599$10,080$6,050
14 years$16,026$13,870$11,967$10,296$8,836$5,058
15 years$14,803$12,671$10,805$9,182$7,780$4,243
16 years$13,734$11,625$9,796$8,222$6,876$3,570
17 years$12,792$10,706$8,914$7,387$6,097$3,010
18 years$11,956$9,893$8,137$6,657$5,421$2,543
19 years$11,208$9,169$7,449$6,015$4,832$2,152
20 years$10,536$8,520$6,837$5,448$4,316$1,824
21 years$9,929$7,936$6,288$4,945$3,862$1,548
22 years$9,377$7,408$5,796$4,496$3,462$1,314
23 years$8,875$6,929$5,351$4,094$3,108$1,117
24 years$8,415$6,492$4,949$3,734$2,793$950
25 years$7,992$6,092$4,584$3,410$2,514$809
26 years$7,603$5,726$4,251$3,118$2,264$689
27 years$7,243$5,389$3,948$2,854$2,041$587
28 years$6,909$5,078$3,670$2,615$1,842$500
29 years$6,599$4,790$3,415$2,398$1,663$426
30 years$6,310$4,524$3,181$2,201$1,503$363
31 years$6,041$4,276$2,966$2,021$1,359$310
32 years$5,788$4,046$2,767$1,858$1,229$264
33 years$5,552$3,832$2,584$1,708$1,112$226
34 years$5,329$3,632$2,414$1,572$1,007$192
35 years$5,120$3,445$2,257$1,447$912$164
36 years$4,924$3,270$2,111$1,333$826$140
37 years$4,738$3,105$1,976$1,228$749$120
38 years$4,562$2,951$1,850$1,132$679$102
39 years$4,396$2,806$1,734$1,043$616$87
40 years$4,238$2,670$1,625$962$559$74
41 years$4,089$2,542$1,524$888$507$64
42 years$3,947$2,420$1,429$819$460$54
43 years$3,812$2,306$1,341$756$417$46
44 years$3,683$2,198$1,259$698$379$40
45 years$3,561$2,096$1,182$645$344$34
46 years$3,444$2,000$1,110$596$312$29
47 years$3,333$1,908$1,043$550$283$25
48 years$3,226$1,822$980$509$257$21
49 years$3,124$1,740$921$470$234$18
50 years$3,027$1,662$866$435$212$15

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $3,100,000, adding $2,244 every year, while hoping to spend $36,972 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: 58/16/26 Blend
51$3,100,000$3,100,000$3,100,000$3,100,000
52$3,418,515$3,254,215$3,206,165$3,592,519
53$3,727,865$3,374,333$3,274,233$3,831,848
54$4,067,530$3,499,099$3,343,343$4,088,553
55$4,440,563$3,628,699$3,413,490$4,367,679
56$4,850,327$3,763,332$3,484,668$4,671,406
57$5,300,527$3,903,201$3,556,871$5,002,136
58$5,795,244$4,048,522$3,630,089$5,362,511
59$6,338,975$4,199,516$3,704,314$5,755,440
60$6,936,675$4,356,416$3,779,532$6,184,125
61$7,593,800$4,519,465$3,855,731$6,652,091
62$8,316,364$4,688,915$3,932,894$7,163,220
63$9,110,991$4,865,030$4,011,005$7,721,786
64$9,984,981$5,048,085$4,090,042$8,332,495
65$10,946,374$5,238,366$4,169,983$9,000,529
66$12,004,032$5,436,174$4,250,806$9,731,596
67$13,167,717$5,641,820$4,332,481$10,531,979
68$14,448,184$5,855,629$4,414,979$11,408,602
69$15,857,286$6,077,942$4,498,268$12,369,086
70$17,408,081$6,309,113$4,582,312$13,421,829
71$19,114,958$6,549,512$4,667,072$14,576,080
72$20,993,770$6,799,525$4,752,505$15,842,025
73$23,061,988$7,059,555$4,838,567$17,230,885
74$25,338,859$7,330,022$4,925,208$18,755,021
75$27,845,595$7,611,365$5,012,375$20,428,050
76$30,605,567$7,904,043$5,100,010$22,264,970
77$33,644,526$8,208,533$5,188,053$24,282,307
78$36,990,852$8,525,334$5,276,436$26,498,263
79$40,675,811$8,854,968$5,365,089$28,932,893
80$44,733,861$9,197,979$5,453,937$31,608,292
81$49,202,970$9,554,935$5,542,898$34,548,800
82$54,124,974$9,926,428$5,631,887$37,781,236
83$59,545,977$10,313,079$5,720,811$41,335,145
84$65,516,781$10,715,533$5,809,572$45,243,080
85$72,093,365$11,134,467$5,898,065$49,540,908
86$79,337,418$11,570,586$5,986,180$54,268,146
87$87,316,916$12,024,626$6,073,799$59,468,333
88$96,106,766$12,497,357$6,160,796$65,189,443
89$105,789,512$12,989,583$6,247,038$71,484,334
90$116,456,113$13,502,144$6,332,384$78,411,247
91$128,206,804$14,035,916$6,416,687$86,034,355
92$141,152,038$14,591,816$6,499,786$94,424,368
93$155,413,533$15,170,802$6,581,516$103,659,198
94$171,125,416$15,773,874$6,661,699$113,824,695
95$188,435,492$16,402,077$6,740,149$125,015,455
96$207,506,636$17,056,503$6,816,669$137,335,714
97$228,518,336$17,738,294$6,891,049$150,900,326
98$251,668,378$18,448,643$6,963,072$165,835,853
99$277,174,722$19,188,795$7,032,504$182,281,750
100$305,277,551$19,960,055$7,099,101$200,391,689