Can I retire at age 52 with 3,800,000?

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 $3,800,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.9%
1 years$313,800$311,005$308,278$305,616$303,017$298,120
2 years$155,347$152,454$149,650$146,931$144,294$139,374
3 years$102,536$99,630$96,833$94,140$91,546$86,756
4 years$76,135$73,239$70,470$67,823$65,291$60,668
5 years$60,299$57,420$54,687$52,094$49,633$45,190
6 years$49,745$46,888$44,196$41,660$39,273$35,015
7 years$42,210$39,376$36,727$34,251$31,940$27,868
8 years$36,561$33,753$31,147$28,732$26,497$22,612
9 years$32,169$29,388$26,827$24,474$22,314$18,613
10 years$28,658$25,904$23,388$21,097$19,013$15,492
11 years$25,787$23,061$20,591$18,360$16,352$13,008
12 years$23,397$20,698$18,274$16,104$14,170$10,999
13 years$21,376$18,705$16,326$14,218$12,357$9,354
14 years$19,645$17,002$14,669$12,621$10,832$7,992
15 years$18,146$15,532$13,244$11,256$9,537$6,855
16 years$16,835$14,250$12,008$10,078$8,429$5,900
17 years$15,681$13,124$10,927$9,055$7,474$5,091
18 years$14,655$12,127$9,975$8,161$6,645$4,404
19 years$13,739$11,239$9,131$7,374$5,923$3,817
20 years$12,915$10,444$8,380$6,678$5,291$3,314
21 years$12,171$9,728$7,708$6,061$4,734$2,881
22 years$11,495$9,081$7,104$5,511$4,244$2,508
23 years$10,879$8,493$6,560$5,019$3,809$2,186
24 years$10,315$7,958$6,067$4,578$3,424$1,907
25 years$9,797$7,468$5,619$4,180$3,081$1,665
26 years$9,320$7,019$5,211$3,822$2,775$1,455
27 years$8,878$6,605$4,839$3,499$2,502$1,272
28 years$8,469$6,224$4,499$3,206$2,258$1,112
29 years$8,089$5,872$4,186$2,940$2,039$973
30 years$7,735$5,545$3,899$2,698$1,842$852
31 years$7,405$5,242$3,635$2,478$1,665$746
32 years$7,095$4,960$3,392$2,277$1,507$654
33 years$6,805$4,697$3,167$2,094$1,363$573
34 years$6,533$4,452$2,959$1,927$1,234$502
35 years$6,277$4,223$2,766$1,774$1,118$440
36 years$6,035$4,008$2,588$1,633$1,013$386
37 years$5,807$3,807$2,422$1,505$918$339
38 years$5,592$3,618$2,268$1,387$832$297
39 years$5,388$3,440$2,125$1,279$755$260
40 years$5,195$3,273$1,992$1,180$685$228
41 years$5,012$3,115$1,868$1,088$621$200
42 years$4,838$2,967$1,752$1,005$564$176
43 years$4,672$2,827$1,644$927$512$154
44 years$4,515$2,695$1,543$856$464$135
45 years$4,365$2,570$1,449$791$421$119
46 years$4,222$2,451$1,361$730$383$104
47 years$4,085$2,339$1,279$675$348$92
48 years$3,954$2,233$1,202$624$316$80
49 years$3,830$2,133$1,129$576$287$71
50 years$3,710$2,037$1,062$533$260$62

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $3,800,000, adding $2,965 every year, while hoping to spend $48,721 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: 56/14/30 Blend
51$3,800,000$3,800,000$3,800,000$3,800,000
52$4,190,658$3,989,258$3,930,358$4,390,383
53$4,566,267$4,132,893$4,010,187$4,672,087
54$4,978,554$4,281,933$4,091,056$4,973,601
55$5,431,211$4,436,592$4,172,951$5,301,173
56$5,928,301$4,597,092$4,255,851$5,657,340
57$6,474,302$4,763,664$4,339,736$6,044,893
58$7,074,147$4,936,549$4,424,583$6,466,902
59$7,733,268$5,115,999$4,510,366$6,926,752
60$8,457,654$5,302,275$4,597,055$7,428,164
61$9,253,898$5,495,649$4,684,620$7,975,241
62$10,129,266$5,696,407$4,773,025$8,572,496
63$11,091,763$5,904,842$4,862,233$9,224,902
64$12,150,208$6,121,265$4,952,203$9,937,934
65$13,314,317$6,345,995$5,042,890$10,717,620
66$14,594,797$6,579,368$5,134,246$11,570,603
67$16,003,441$6,821,732$5,226,219$12,504,197
68$17,553,247$7,073,452$5,318,751$13,526,457
69$19,258,532$7,334,905$5,411,784$14,646,257
70$21,135,075$7,606,488$5,505,251$15,873,371
71$23,200,258$7,888,611$5,599,083$17,218,567
72$25,473,237$8,181,705$5,693,204$18,693,705
73$27,975,115$8,486,217$5,787,535$20,311,850
74$30,729,149$8,802,614$5,881,989$22,087,396
75$33,760,962$9,131,382$5,976,476$24,036,199
76$37,098,790$9,473,029$6,070,897$26,175,728
77$40,773,743$9,828,085$6,165,149$28,525,228
78$44,820,105$10,197,101$6,259,121$31,105,903
79$49,275,649$10,580,652$6,352,696$33,941,112
80$54,182,002$10,979,341$6,445,748$37,056,593
81$59,585,031$11,393,793$6,538,145$40,480,704
82$65,535,276$11,824,662$6,629,745$44,244,685
83$72,088,433$12,272,629$6,720,400$48,382,963
84$79,305,872$12,738,406$6,809,952$52,933,465
85$87,255,218$13,222,735$6,898,233$57,937,982
86$96,010,993$13,726,392$6,985,066$63,442,561
87$105,655,312$14,250,183$7,070,264$69,497,939
88$116,278,665$14,794,953$7,153,628$76,160,022
89$127,980,765$15,361,581$7,234,951$83,490,409
90$140,871,491$15,950,987$7,314,010$91,556,976
91$155,071,928$16,564,130$7,390,574$100,434,515
92$170,715,503$17,202,010$7,464,396$110,205,438
93$187,949,248$17,865,673$7,535,218$120,960,556
94$206,935,190$18,556,210$7,602,767$132,799,934
95$227,851,875$19,274,759$7,666,754$145,833,835
96$250,896,053$20,022,510$7,726,878$160,183,759
97$276,284,542$20,800,704$7,782,820$175,983,593
98$304,256,265$21,610,638$7,834,244$193,380,866
99$335,074,511$22,453,666$7,880,798$212,538,151
100$369,029,417$23,331,202$7,922,110$233,634,590