Can I retire at age 52 with 4,400,000?

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 $4,400,000?

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%
1 years$363,348$360,111$356,954$353,872$350,862$342,103
2 years$179,875$176,525$173,278$170,131$167,077$158,308
3 years$118,726$115,361$112,123$109,004$106,001$97,495
4 years$88,157$84,803$81,597$78,531$75,601$67,425
5 years$69,820$66,486$63,322$60,320$57,470$49,647
6 years$57,600$54,291$51,174$48,238$45,474$38,011
7 years$48,875$45,594$42,526$39,659$36,983$29,880
8 years$42,334$39,082$36,065$33,269$30,681$23,936
9 years$37,249$34,028$31,063$28,338$25,838$19,445
10 years$33,183$29,994$27,081$24,428$22,015$15,967
11 years$29,859$26,702$23,842$21,259$18,934$13,221
12 years$27,091$23,966$21,159$18,647$16,407$11,021
13 years$24,751$21,658$18,904$16,463$14,308$9,236
14 years$22,746$19,687$16,986$14,614$12,542$7,775
15 years$21,011$17,984$15,336$13,033$11,043$6,568
16 years$19,494$16,500$13,904$11,670$9,760$5,565
17 years$18,156$15,196$12,652$10,485$8,654$4,727
18 years$16,969$14,042$11,550$9,449$7,694$4,024
19 years$15,908$13,014$10,573$8,538$6,858$3,431
20 years$14,954$12,093$9,704$7,733$6,126$2,930
21 years$14,092$11,264$8,925$7,018$5,482$2,505
22 years$13,310$10,515$8,226$6,381$4,914$2,144
23 years$12,597$9,834$7,595$5,811$4,411$1,837
24 years$11,944$9,214$7,024$5,300$3,965$1,575
25 years$11,344$8,647$6,506$4,841$3,568$1,351
26 years$10,791$8,127$6,034$4,426$3,214$1,160
27 years$10,280$7,648$5,603$4,051$2,897$996
28 years$9,807$7,207$5,209$3,712$2,614$856
29 years$9,367$6,799$4,847$3,404$2,361$736
30 years$8,956$6,421$4,515$3,124$2,133$632
31 years$8,574$6,070$4,209$2,869$1,928$544
32 years$8,216$5,743$3,927$2,637$1,744$468
33 years$7,880$5,439$3,667$2,425$1,579$402
34 years$7,564$5,155$3,426$2,231$1,429$346
35 years$7,268$4,889$3,203$2,054$1,295$298
36 years$6,988$4,641$2,997$1,891$1,173$256
37 years$6,724$4,408$2,805$1,743$1,063$221
38 years$6,475$4,189$2,627$1,606$964$190
39 years$6,239$3,983$2,461$1,481$874$164
40 years$6,015$3,790$2,306$1,366$793$141
41 years$5,803$3,607$2,163$1,260$719$121
42 years$5,602$3,436$2,029$1,163$653$104
43 years$5,410$3,273$1,904$1,074$592$90
44 years$5,228$3,120$1,787$991$538$77
45 years$5,054$2,975$1,678$916$488$67
46 years$4,888$2,838$1,576$846$443$57
47 years$4,730$2,709$1,481$781$402$49
48 years$4,579$2,586$1,391$722$365$43
49 years$4,434$2,469$1,308$667$332$37
50 years$4,296$2,359$1,229$617$301$32

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $4,400,000, adding $4,609 every year, while hoping to spend $24,417 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: 51/19/30 Blend
51$4,400,000$4,400,000$4,400,000$4,400,000
52$4,853,554$4,620,354$4,552,154$5,059,733
53$5,322,637$4,820,772$4,678,672$5,404,733
54$5,838,748$5,030,192$4,808,610$5,776,883
55$6,406,659$5,249,029$4,942,056$6,181,112
56$7,031,625$5,477,719$5,079,102$6,620,489
57$7,719,440$5,716,717$5,219,841$7,098,390
58$8,476,486$5,966,498$5,364,369$7,618,525
59$9,309,794$6,227,564$5,512,782$8,184,978
60$10,227,115$6,500,436$5,665,182$8,802,238
61$11,236,985$6,785,662$5,821,670$9,475,246
62$12,348,813$7,083,815$5,982,351$10,209,435
63$13,572,966$7,395,496$6,147,334$11,010,784
64$14,920,867$7,721,333$6,316,728$11,885,874
65$16,405,102$8,061,985$6,490,645$12,841,945
66$18,039,542$8,418,142$6,669,201$13,886,964
67$19,839,470$8,790,526$6,852,514$15,029,703
68$21,821,727$9,179,893$7,040,705$16,279,815
69$24,004,872$9,587,037$7,233,897$17,647,926
70$26,409,353$10,012,786$7,432,217$19,145,734
71$29,057,705$10,458,010$7,635,794$20,786,116
72$31,974,759$10,923,620$7,844,761$22,583,252
73$35,187,877$11,410,570$8,059,253$24,552,751
74$38,727,211$11,919,859$8,279,408$26,711,801
75$42,625,987$12,452,533$8,505,370$29,079,330
76$46,920,820$13,009,689$8,737,282$31,676,179
77$51,652,056$13,592,476$8,975,292$34,525,298
78$56,864,155$14,202,096$9,219,554$37,651,961
79$62,606,111$14,839,811$9,470,221$41,084,005
80$68,931,913$15,506,941$9,727,453$44,852,084
81$75,901,057$16,204,870$9,991,412$48,989,961
82$83,579,104$16,935,048$10,262,263$53,534,825
83$92,038,299$17,698,992$10,540,175$58,527,634
84$101,358,258$18,498,294$10,825,323$64,013,505
85$111,626,712$19,334,622$11,117,883$70,042,131
86$122,940,340$20,209,723$11,418,036$76,668,252
87$135,405,681$21,125,426$11,725,967$83,952,169
88$149,140,138$22,083,649$12,041,864$91,960,303
89$164,273,087$23,086,402$12,365,921$100,765,828
90$180,947,096$24,135,791$12,698,334$110,449,352
91$199,319,277$25,234,021$13,039,305$121,099,676
92$219,562,761$26,383,406$13,389,039$132,814,627
93$241,868,337$27,586,367$13,747,747$145,701,982
94$266,446,252$28,845,444$14,115,641$159,880,476
95$293,528,196$30,163,297$14,492,941$175,480,922
96$323,369,488$31,542,714$14,879,871$192,647,439
97$356,251,486$32,986,618$15,276,657$211,538,809
98$392,484,244$34,498,069$15,683,532$232,329,971
99$432,409,440$36,080,277$16,100,733$255,213,669
100$476,403,598$37,736,605$16,528,502$280,402,261