Can I retire at age 52 with 4,200,000?

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 $4,200,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16%
1 years$346,832$343,743$340,729$337,787$334,914$326,685
2 years$171,699$168,501$165,402$162,397$159,483$151,243
3 years$113,329$110,117$107,026$104,050$101,182$93,189
4 years$84,150$80,948$77,888$74,962$72,164$64,479
5 years$66,647$63,464$60,444$57,578$54,858$47,503
6 years$54,982$51,823$48,848$46,046$43,407$36,389
7 years$46,653$43,521$40,593$37,857$35,302$28,622
8 years$40,409$37,306$34,426$31,757$29,286$22,941
9 years$35,556$32,481$29,651$27,050$24,663$18,648
10 years$31,675$28,631$25,850$23,317$21,014$15,322
11 years$28,502$25,488$22,758$20,293$18,073$12,695
12 years$25,860$22,877$20,197$17,800$15,662$10,589
13 years$23,626$20,674$18,045$15,714$13,657$8,881
14 years$21,712$18,792$16,214$13,950$11,972$7,480
15 years$20,056$17,167$14,639$12,441$10,541$6,324
16 years$18,608$15,750$13,272$11,139$9,316$5,362
17 years$17,331$14,505$12,077$10,008$8,260$4,558
18 years$16,198$13,404$11,025$9,020$7,345$3,883
19 years$15,185$12,422$10,093$8,150$6,547$3,313
20 years$14,274$11,543$9,263$7,381$5,847$2,831
21 years$13,452$10,752$8,520$6,699$5,233$2,423
22 years$12,705$10,037$7,852$6,091$4,690$2,075
23 years$12,024$9,387$7,250$5,547$4,210$1,779
24 years$11,401$8,795$6,705$5,059$3,784$1,527
25 years$10,828$8,254$6,210$4,621$3,405$1,311
26 years$10,301$7,757$5,760$4,225$3,067$1,126
27 years$9,813$7,301$5,348$3,867$2,766$968
28 years$9,361$6,879$4,972$3,543$2,495$832
29 years$8,941$6,490$4,627$3,249$2,253$716
30 years$8,549$6,129$4,310$2,982$2,036$616
31 years$8,184$5,794$4,018$2,739$1,841$530
32 years$7,842$5,482$3,749$2,517$1,665$456
33 years$7,522$5,192$3,500$2,314$1,507$393
34 years$7,221$4,921$3,270$2,129$1,364$338
35 years$6,937$4,667$3,058$1,960$1,236$291
36 years$6,671$4,430$2,860$1,805$1,120$251
37 years$6,419$4,207$2,677$1,663$1,015$216
38 years$6,181$3,998$2,507$1,533$920$186
39 years$5,956$3,802$2,349$1,414$834$161
40 years$5,742$3,617$2,202$1,304$757$138
41 years$5,540$3,443$2,064$1,203$687$119
42 years$5,347$3,279$1,937$1,110$623$103
43 years$5,164$3,125$1,817$1,025$565$89
44 years$4,990$2,978$1,706$946$513$76
45 years$4,824$2,840$1,602$874$466$66
46 years$4,666$2,709$1,504$807$423$57
47 years$4,515$2,586$1,413$746$384$49
48 years$4,371$2,468$1,328$689$349$42
49 years$4,233$2,357$1,248$637$317$36
50 years$4,101$2,252$1,174$589$288$31

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $4,200,000, adding $4,484 every year, while hoping to spend $38,309 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: 75/6/19 Blend
51$4,200,000$4,200,000$4,200,000$4,200,000
52$4,633,025$4,410,425$4,345,325$4,959,660
53$5,064,833$4,585,776$4,450,133$5,352,061
54$5,539,402$4,768,434$4,557,168$5,776,917
55$6,061,052$4,958,719$4,666,464$6,241,613
56$6,634,544$5,156,961$4,778,056$6,750,112
57$7,265,124$5,363,508$4,891,977$7,306,776
58$7,958,569$5,578,722$5,008,260$7,916,413
59$8,721,246$5,802,983$5,126,940$8,584,314
60$9,560,169$6,036,685$5,248,049$9,316,308
61$10,483,068$6,280,244$5,371,620$10,118,815
62$11,498,457$6,534,092$5,497,685$10,998,907
63$12,615,717$6,798,680$5,626,276$11,964,372
64$13,845,188$7,074,483$5,757,424$13,023,792
65$15,198,259$7,361,994$5,891,159$14,186,617
66$16,687,480$7,661,731$6,027,511$15,463,258
67$18,326,680$7,974,233$6,166,510$16,865,185
68$20,131,096$8,300,065$6,308,183$18,405,033
69$22,117,519$8,639,819$6,452,558$20,096,721
70$24,304,447$8,994,112$6,599,660$21,955,583
71$26,712,267$9,363,590$6,749,515$23,998,514
72$29,363,441$9,748,928$6,902,146$26,244,126
73$32,282,720$10,150,833$7,057,576$28,712,926
74$35,497,378$10,570,044$7,215,825$31,427,505
75$39,037,468$11,007,334$7,376,913$34,412,756
76$42,936,108$11,463,511$7,540,857$37,696,104
77$47,229,788$11,939,421$7,707,673$41,307,766
78$51,958,721$12,435,947$7,877,375$45,281,036
79$57,167,217$12,954,015$8,049,974$49,652,597
80$62,904,104$13,494,593$8,225,479$54,462,868
81$69,223,187$14,058,692$8,403,897$59,756,384
82$76,183,757$14,647,373$8,585,232$65,582,217
83$83,851,149$15,261,743$8,769,486$71,994,437
84$92,297,359$15,902,961$8,956,657$79,052,621
85$101,601,724$16,572,241$9,146,740$86,822,417
86$111,851,671$17,270,852$9,339,727$95,376,162
87$123,143,540$18,000,122$9,535,606$104,793,562
88$135,583,493$18,761,440$9,734,361$115,162,446
89$149,288,520$19,556,262$9,935,973$126,579,592
90$164,387,539$20,386,108$10,140,417$139,151,644
91$181,022,612$21,252,572$10,347,666$152,996,111
92$199,350,291$22,157,320$10,557,685$168,242,480
93$219,543,089$23,102,097$10,770,435$185,033,438
94$241,791,113$24,088,729$10,985,874$203,526,214
95$266,303,856$25,119,126$11,203,950$223,894,065
96$293,312,176$26,195,290$11,424,609$246,327,910
97$323,070,472$27,319,313$11,647,788$271,038,131
98$355,859,089$28,493,388$11,873,417$298,256,555
99$391,986,960$29,719,808$12,101,421$328,238,649
100$431,794,527$31,000,976$12,331,716$361,265,920