Can I retire at age 52 with 4,100,000?

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 $4,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.6%
1 years$338,574$335,558$332,616$329,744$326,940$319,425
2 years$167,611$164,489$161,464$158,531$155,686$148,156
3 years$110,631$107,496$104,478$101,572$98,773$91,465
4 years$82,146$79,021$76,033$73,177$70,446$63,414
5 years$65,060$61,953$59,005$56,207$53,552$46,816
6 years$53,673$50,589$47,685$44,949$42,374$35,942
7 years$45,542$42,485$39,626$36,955$34,461$28,334
8 years$39,447$36,417$33,606$31,001$28,589$22,763
9 years$34,709$31,708$28,945$26,406$24,076$18,548
10 years$30,921$27,949$25,235$22,762$20,514$15,278
11 years$27,823$24,881$22,216$19,810$17,643$12,691
12 years$25,244$22,332$19,716$17,376$15,289$10,613
13 years$23,063$20,182$17,615$15,340$13,332$8,925
14 years$21,195$18,345$15,827$13,617$11,687$7,538
15 years$19,578$16,758$14,290$12,144$10,290$6,390
16 years$18,165$15,375$12,956$10,874$9,094$5,434
17 years$16,918$14,160$11,790$9,770$8,064$4,633
18 years$15,812$13,085$10,762$8,805$7,170$3,958
19 years$14,823$12,127$9,852$7,956$6,391$3,387
20 years$13,935$11,269$9,042$7,206$5,708$2,904
21 years$13,132$10,496$8,317$6,540$5,108$2,492
22 years$12,402$9,798$7,665$5,946$4,579$2,141
23 years$11,738$9,164$7,078$5,415$4,110$1,842
24 years$11,129$8,586$6,546$4,939$3,694$1,585
25 years$10,570$8,057$6,062$4,510$3,324$1,365
26 years$10,055$7,573$5,623$4,124$2,994$1,177
27 years$9,579$7,127$5,221$3,775$2,700$1,015
28 years$9,138$6,716$4,854$3,459$2,436$875
29 years$8,728$6,335$4,517$3,172$2,200$756
30 years$8,346$5,983$4,207$2,911$1,988$652
31 years$7,989$5,656$3,922$2,673$1,797$563
32 years$7,655$5,352$3,660$2,457$1,625$486
33 years$7,342$5,068$3,417$2,259$1,471$420
34 years$7,049$4,803$3,193$2,079$1,332$363
35 years$6,772$4,556$2,985$1,914$1,206$314
36 years$6,512$4,324$2,792$1,762$1,093$271
37 years$6,266$4,107$2,614$1,624$991$234
38 years$6,034$3,903$2,447$1,497$898$203
39 years$5,814$3,712$2,293$1,380$814$175
40 years$5,605$3,531$2,149$1,273$739$152
41 years$5,408$3,361$2,015$1,174$670$131
42 years$5,220$3,201$1,890$1,084$608$113
43 years$5,041$3,050$1,774$1,000$552$98
44 years$4,871$2,907$1,665$924$501$85
45 years$4,709$2,773$1,563$853$455$73
46 years$4,555$2,645$1,468$788$413$63
47 years$4,408$2,524$1,380$728$375$55
48 years$4,267$2,410$1,296$673$341$47
49 years$4,132$2,301$1,219$622$309$41
50 years$4,003$2,198$1,146$575$281$35

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $4,100,000, adding $4,538 every year, while hoping to spend $20,743 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: 74/7/19 Blend
51$4,100,000$4,100,000$4,100,000$4,100,000
52$4,522,881$4,305,581$4,242,031$4,837,065
53$4,962,144$4,494,484$4,362,069$5,234,999
54$5,445,518$4,691,948$4,485,432$5,667,964
55$5,977,478$4,898,371$4,612,212$6,141,880
56$6,562,958$5,114,169$4,742,498$6,660,821
57$7,207,394$5,339,777$4,876,386$7,229,268
58$7,916,776$5,575,654$5,013,973$7,852,159
59$8,697,703$5,822,277$5,155,357$8,534,931
60$9,557,447$6,080,147$5,300,639$9,283,570
61$10,504,021$6,349,788$5,449,925$10,104,670
62$11,546,254$6,631,751$5,603,321$11,005,493
63$12,693,877$6,926,612$5,760,937$11,994,036
64$13,957,609$7,234,972$5,922,885$13,079,109
65$15,349,263$7,557,464$6,089,280$14,270,414
66$16,881,858$7,894,750$6,260,241$15,578,638
67$18,569,737$8,247,522$6,435,888$17,015,553
68$20,428,706$8,616,507$6,616,347$18,594,127
69$22,476,184$9,002,465$6,801,744$20,328,645
70$24,731,362$9,406,193$6,992,209$22,234,841
71$27,215,390$9,828,526$7,187,878$24,330,051
72$29,951,574$10,270,338$7,388,886$26,633,372
73$32,965,596$10,732,546$7,595,375$29,165,840
74$36,285,755$11,216,109$7,807,489$31,950,634
75$39,943,237$11,722,033$8,025,374$35,013,286
76$43,972,407$12,251,373$8,249,184$38,381,928
77$48,411,133$12,805,231$8,479,073$42,087,554
78$53,301,146$13,384,764$8,715,199$46,164,308
79$58,688,431$13,991,186$8,957,726$50,649,813
80$64,623,661$14,625,764$9,206,820$55,585,519
81$71,162,679$15,289,831$9,462,653$61,017,093
82$78,367,020$15,984,781$9,725,400$66,994,855
83$86,304,495$16,712,074$9,995,240$73,574,245
84$95,049,830$17,473,242$10,272,356$80,816,349
85$104,685,370$18,269,888$10,556,938$88,788,474
86$115,301,860$19,103,695$10,849,177$97,564,781
87$126,999,297$19,976,423$11,149,272$107,226,985
88$139,887,877$20,889,920$11,457,425$117,865,123
89$154,089,034$21,846,119$11,773,842$129,578,405
90$169,736,586$22,847,049$12,098,736$142,476,147
91$186,977,997$23,894,835$12,432,323$156,678,804
92$205,975,774$24,991,702$12,774,827$172,319,102
93$226,908,993$26,139,986$13,126,474$189,543,292
94$249,974,997$27,342,132$13,487,497$208,512,528
95$275,391,254$28,600,704$13,858,136$229,404,386
96$303,397,411$29,918,388$14,238,633$252,414,539
97$334,257,559$31,298,000$14,629,238$277,758,603
98$368,262,720$32,742,492$15,030,208$305,674,170
99$405,733,601$34,254,958$15,441,803$336,423,046
100$447,023,616$35,838,639$15,864,292$370,293,726