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

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 $4,000,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.4%
1 years$330,316$327,374$324,503$321,702$318,966$308,139
2 years$163,523$160,477$157,526$154,664$151,888$141,089
3 years$107,932$104,874$101,930$99,095$96,364$85,932
4 years$80,143$77,093$74,179$71,392$68,728$58,742
5 years$63,473$60,442$57,566$54,836$52,246$42,733
6 years$52,364$49,356$46,522$43,853$41,340$32,308
7 years$44,431$41,449$38,660$36,054$33,621$25,067
8 years$38,485$35,529$32,787$30,245$27,892$19,810
9 years$33,863$30,935$28,239$25,762$23,489$15,870
10 years$30,167$27,267$24,619$22,207$20,014$12,845
11 years$27,145$24,274$21,675$19,327$17,212$10,480
12 years$24,628$21,787$19,236$16,952$14,916$8,604
13 years$22,501$19,689$17,186$14,966$13,007$7,100
14 years$20,678$17,897$15,441$13,285$11,402$5,882
15 years$19,101$16,349$13,942$11,848$10,039$4,889
16 years$17,722$15,000$12,640$10,609$8,873$4,075
17 years$16,506$13,815$11,502$9,532$7,867$3,403
18 years$15,426$12,765$10,500$8,590$6,995$2,848
19 years$14,462$11,831$9,612$7,762$6,235$2,387
20 years$13,595$10,994$8,821$7,030$5,569$2,003
21 years$12,811$10,240$8,114$6,380$4,984$1,682
22 years$12,100$9,559$7,478$5,801$4,467$1,414
23 years$11,451$8,940$6,905$5,283$4,010$1,190
24 years$10,858$8,376$6,386$4,818$3,604$1,002
25 years$10,313$7,861$5,915$4,400$3,243$844
26 years$9,810$7,388$5,486$4,024$2,921$711
27 years$9,346$6,953$5,094$3,683$2,634$599
28 years$8,915$6,552$4,735$3,374$2,377$505
29 years$8,515$6,181$4,407$3,094$2,146$426
30 years$8,142$5,837$4,105$2,840$1,939$360
31 years$7,794$5,518$3,827$2,608$1,753$303
32 years$7,469$5,221$3,570$2,397$1,586$256
33 years$7,163$4,945$3,334$2,204$1,435$216
34 years$6,877$4,686$3,115$2,028$1,299$182
35 years$6,607$4,445$2,912$1,867$1,177$154
36 years$6,353$4,219$2,724$1,719$1,066$130
37 years$6,113$4,007$2,550$1,584$966$110
38 years$5,886$3,808$2,388$1,460$876$93
39 years$5,672$3,621$2,237$1,346$795$78
40 years$5,469$3,445$2,097$1,242$721$66
41 years$5,276$3,279$1,966$1,146$654$56
42 years$5,093$3,123$1,844$1,057$593$47
43 years$4,918$2,976$1,731$976$538$40
44 years$4,753$2,837$1,624$901$489$34
45 years$4,595$2,705$1,525$832$444$28
46 years$4,444$2,580$1,433$769$403$24
47 years$4,300$2,462$1,346$710$366$20
48 years$4,163$2,351$1,265$656$332$17
49 years$4,031$2,245$1,189$607$302$14
50 years$3,905$2,144$1,118$561$274$12

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $4,000,000, adding $2,557 every year, while hoping to spend $30,465 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: 60/34/6 Blend
51$4,000,000$4,000,000$4,000,000$4,000,000
52$4,410,638$4,198,638$4,136,638$4,670,102
53$4,828,108$4,371,956$4,242,800$5,017,332
54$5,287,139$4,552,747$4,351,499$5,392,146
55$5,791,939$4,741,342$4,462,785$5,800,169
56$6,347,141$4,938,093$4,576,713$6,244,594
57$6,957,854$5,143,364$4,693,337$6,728,930
58$7,629,703$5,357,537$4,812,712$7,257,038
59$8,368,889$5,581,012$4,934,894$7,833,164
60$9,182,242$5,814,208$5,059,939$8,461,977
61$10,077,288$6,057,561$5,187,904$9,148,613
62$11,062,320$6,311,530$5,318,848$9,898,721
63$12,146,476$6,576,594$5,452,828$10,718,518
64$13,339,823$6,853,254$5,589,905$11,614,844
65$14,653,456$7,142,034$5,730,137$12,595,225
66$16,099,597$7,443,483$5,873,586$13,667,942
67$17,691,717$7,758,175$6,020,312$14,842,110
68$19,444,657$8,086,710$6,170,377$16,127,761
69$21,374,771$8,429,718$6,323,844$17,535,935
70$23,500,079$8,787,855$6,480,774$19,078,788
71$25,840,439$9,161,812$6,641,232$20,769,697
72$28,417,731$9,552,308$6,805,281$22,623,393
73$31,256,066$9,960,098$6,972,984$24,656,089
74$34,382,013$10,385,971$7,144,407$26,885,638
75$37,824,849$10,830,754$7,319,615$29,331,698
76$41,616,833$11,295,310$7,498,672$32,015,911
77$45,793,516$11,780,546$7,681,643$34,962,111
78$50,394,071$12,287,410$7,868,595$38,196,540
79$55,461,666$12,816,892$8,059,592$41,748,100
80$61,043,868$13,370,033$8,254,701$45,648,617
81$67,193,096$13,947,918$8,453,987$49,933,141
82$73,967,112$14,551,686$8,657,516$54,640,276
83$81,429,568$15,182,529$8,865,353$59,812,537
84$89,650,606$15,841,695$9,077,564$65,496,750
85$98,707,519$16,530,489$9,294,213$71,744,494
86$108,685,482$17,250,279$9,515,366$78,612,577
87$119,678,356$18,002,498$9,741,086$86,163,576
88$131,789,572$18,788,644$9,971,436$94,466,417
89$145,133,109$19,610,288$10,206,480$103,597,028
90$159,834,568$20,469,075$10,446,279$113,639,047
91$176,032,360$21,366,725$10,690,895$124,684,608
92$193,879,008$22,305,042$10,940,387$136,835,208
93$213,542,592$23,285,914$11,194,815$150,202,658
94$235,208,331$24,311,318$11,454,236$164,910,134
95$259,080,334$25,383,326$11,718,706$181,093,335
96$285,383,525$26,504,105$11,988,280$198,901,758
97$314,365,766$27,675,929$12,263,009$218,500,104
98$346,300,200$28,901,175$12,542,945$240,069,826
99$381,487,823$30,182,335$12,828,137$263,810,835
100$420,260,332$31,522,020$13,118,630$289,943,383