Can I retire at age 52 with 3,900,000?

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 $3,900,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.7%
1 years$322,058$319,190$316,391$313,659$310,991$307,488
2 years$159,435$156,466$153,588$150,798$148,091$144,564
3 years$105,234$102,252$99,381$96,617$93,955$90,514
4 years$78,139$75,166$72,324$69,607$67,010$63,681
5 years$61,886$58,931$56,127$53,465$50,940$47,733
6 years$51,055$48,122$45,359$42,757$40,307$37,227
7 years$43,321$40,412$37,693$35,153$32,780$29,827
8 years$37,523$34,641$31,967$29,489$27,194$24,369
9 years$33,016$30,161$27,533$25,118$22,902$20,202
10 years$29,412$26,586$24,004$21,652$19,513$16,938
11 years$26,466$23,668$21,133$18,843$16,782$14,329
12 years$24,013$21,243$18,755$16,528$14,543$12,209
13 years$21,938$19,197$16,756$14,592$12,682$10,465
14 years$20,161$17,450$15,055$12,953$11,117$9,013
15 years$18,623$15,941$13,593$11,552$9,788$7,795
16 years$17,278$14,625$12,324$10,343$8,651$6,764
17 years$16,093$13,469$11,214$9,294$7,670$5,887
18 years$15,041$12,446$10,237$8,375$6,820$5,137
19 years$14,100$11,535$9,372$7,568$6,079$4,491
20 years$13,255$10,719$8,601$6,854$5,430$3,934
21 years$12,491$9,984$7,911$6,221$4,859$3,452
22 years$11,797$9,320$7,291$5,656$4,355$3,032
23 years$11,165$8,717$6,732$5,151$3,910$2,667
24 years$10,586$8,167$6,226$4,698$3,514$2,349
25 years$10,055$7,664$5,767$4,290$3,162$2,070
26 years$9,565$7,203$5,348$3,923$2,848$1,826
27 years$9,112$6,779$4,966$3,591$2,568$1,612
28 years$8,692$6,388$4,617$3,290$2,317$1,423
29 years$8,302$6,026$4,296$3,017$2,092$1,258
30 years$7,939$5,691$4,002$2,769$1,891$1,112
31 years$7,599$5,380$3,731$2,543$1,709$984
32 years$7,282$5,091$3,481$2,337$1,546$870
33 years$6,984$4,821$3,250$2,149$1,399$770
34 years$6,705$4,569$3,037$1,977$1,267$682
35 years$6,442$4,334$2,839$1,820$1,147$604
36 years$6,194$4,113$2,656$1,676$1,040$535
37 years$5,960$3,907$2,486$1,545$942$474
38 years$5,739$3,713$2,328$1,424$854$420
39 years$5,530$3,531$2,181$1,313$775$372
40 years$5,332$3,359$2,044$1,211$703$330
41 years$5,144$3,197$1,917$1,117$637$292
42 years$4,965$3,045$1,798$1,031$578$259
43 years$4,795$2,901$1,687$952$525$230
44 years$4,634$2,766$1,584$879$477$204
45 years$4,480$2,637$1,487$812$433$181
46 years$4,333$2,516$1,397$750$393$160
47 years$4,193$2,401$1,312$693$357$142
48 years$4,059$2,292$1,233$640$324$126
49 years$3,930$2,189$1,159$591$294$112
50 years$3,808$2,091$1,090$547$267$99

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $3,900,000, adding $5,841 every year, while hoping to spend $38,258 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: 79/12/9 Blend
51$3,900,000$3,900,000$3,900,000$3,900,000
52$4,303,825$4,097,125$4,036,675$4,637,502
53$4,702,109$4,257,178$4,131,197$5,017,361
54$5,139,736$4,423,791$4,227,604$5,428,405
55$5,620,678$4,597,246$4,325,918$5,878,201
56$6,149,311$4,777,835$4,426,161$6,370,598
57$6,730,458$4,965,867$4,528,354$6,909,834
58$7,369,431$5,161,660$4,632,520$7,500,576
59$8,072,081$5,365,550$4,738,678$8,147,963
60$8,844,857$5,577,885$4,846,847$8,857,655
61$9,694,863$5,799,033$4,957,047$9,635,884
62$10,629,927$6,029,373$5,069,296$10,489,515
63$11,658,672$6,269,304$5,183,610$11,426,107
64$12,790,600$6,519,244$5,300,004$12,453,986
65$14,036,182$6,779,627$5,418,495$13,582,324
66$15,406,952$7,050,909$5,539,094$14,821,222
67$16,915,622$7,333,564$5,661,815$16,181,808
68$18,576,197$7,628,090$5,786,667$17,676,336
69$20,404,109$7,935,006$5,913,660$19,318,309
70$22,416,361$8,254,855$6,042,801$21,122,599
71$24,631,691$8,588,204$6,174,096$23,105,590
72$27,070,744$8,935,647$6,307,549$25,285,330
73$29,756,269$9,297,802$6,443,160$27,681,703
74$32,713,333$9,675,319$6,580,931$30,316,614
75$35,969,558$10,068,875$6,720,857$33,214,194
76$39,555,381$10,479,178$6,862,934$36,401,031
77$43,504,342$10,906,969$7,007,154$39,906,416
78$47,853,397$11,353,023$7,153,506$43,762,621
79$52,643,271$11,818,149$7,301,977$48,005,199
80$57,918,841$12,303,195$7,452,549$52,673,325
81$63,729,557$12,809,045$7,605,203$57,810,158
82$70,129,910$13,336,627$7,759,916$63,463,253
83$77,179,947$13,886,908$7,916,659$69,685,005
84$84,945,837$14,460,901$8,075,402$76,533,144
85$93,500,493$15,059,667$8,236,110$84,071,278
86$102,924,266$15,684,312$8,398,741$92,369,493
87$113,305,695$16,335,997$8,563,253$101,505,013
88$124,742,349$17,015,934$8,729,595$111,562,927
89$137,341,745$17,725,392$8,897,713$122,636,993
90$151,222,363$18,465,696$9,067,547$134,830,519
91$166,514,765$19,238,236$9,239,030$148,257,337
92$183,362,825$20,044,464$9,412,092$163,042,879
93$201,925,089$20,885,898$9,586,653$179,325,356
94$222,376,271$21,764,130$9,762,628$197,257,063
95$244,908,900$22,680,822$9,939,926$217,005,813
96$269,735,140$23,637,714$10,118,446$238,756,522
97$297,088,790$24,636,629$10,298,080$262,712,950
98$327,227,495$25,679,471$10,478,713$289,099,627
99$360,435,169$26,768,236$10,660,221$318,163,964
100$397,024,687$27,905,010$10,842,468$350,178,593