Can I retire at age 52 with 4,600,000?

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 $4,600,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.2%
1 years$379,864$376,480$373,179$369,957$366,810$353,234
2 years$188,051$184,549$181,155$177,864$174,672$161,147
3 years$124,122$120,605$117,219$113,959$110,819$97,771
4 years$92,164$88,657$85,306$82,101$79,037$66,566
5 years$72,994$69,508$66,201$63,062$60,083$48,221
6 years$60,218$56,759$53,500$50,431$47,541$36,297
7 years$51,096$47,666$44,459$41,462$38,664$28,034
8 years$44,258$40,859$37,704$34,781$32,075$22,050
9 years$38,942$35,575$32,475$29,626$27,012$17,578
10 years$34,692$31,357$28,312$25,538$23,016$14,156
11 years$31,216$27,916$24,926$22,226$19,794$11,489
12 years$28,322$25,056$22,121$19,495$17,153$9,383
13 years$25,876$22,643$19,764$17,211$14,958$7,700
14 years$23,780$20,582$17,758$15,278$13,112$6,343
15 years$21,966$18,802$16,033$13,625$11,545$5,243
16 years$20,380$17,250$14,536$12,200$10,203$4,344
17 years$18,982$15,887$13,227$10,962$9,047$3,607
18 years$17,740$14,680$12,075$9,879$8,044$3,000
19 years$16,631$13,605$11,054$8,926$7,170$2,499
20 years$15,634$12,643$10,145$8,084$6,404$2,084
21 years$14,733$11,776$9,331$7,337$5,731$1,740
22 years$13,915$10,993$8,600$6,671$5,137$1,454
23 years$13,169$10,281$7,941$6,075$4,611$1,215
24 years$12,487$9,633$7,344$5,541$4,145$1,017
25 years$11,860$9,040$6,802$5,061$3,730$851
26 years$11,282$8,496$6,308$4,627$3,360$712
27 years$10,748$7,996$5,858$4,235$3,029$597
28 years$10,252$7,534$5,446$3,880$2,733$500
29 years$9,792$7,108$5,068$3,558$2,468$419
30 years$9,364$6,713$4,720$3,266$2,230$351
31 years$8,963$6,346$4,401$2,999$2,016$294
32 years$8,589$6,004$4,106$2,756$1,824$247
33 years$8,238$5,686$3,834$2,535$1,650$207
34 years$7,908$5,389$3,582$2,332$1,494$173
35 years$7,598$5,112$3,349$2,147$1,353$145
36 years$7,306$4,852$3,133$1,977$1,226$122
37 years$7,030$4,608$2,932$1,822$1,111$102
38 years$6,769$4,379$2,746$1,679$1,008$86
39 years$6,523$4,164$2,573$1,548$914$72
40 years$6,289$3,962$2,411$1,428$829$60
41 years$6,067$3,771$2,261$1,318$752$51
42 years$5,856$3,592$2,121$1,216$682$42
43 years$5,656$3,422$1,990$1,122$619$36
44 years$5,465$3,262$1,868$1,036$562$30
45 years$5,284$3,111$1,754$957$510$25
46 years$5,110$2,967$1,648$884$463$21
47 years$4,945$2,832$1,548$817$421$18
48 years$4,787$2,703$1,455$755$382$15
49 years$4,636$2,582$1,367$698$347$12
50 years$4,491$2,466$1,285$645$315$10

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $4,600,000, adding $5,778 every year, while hoping to spend $31,592 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: 73/17/10 Blend
51$4,600,000$4,600,000$4,600,000$4,600,000
52$5,075,160$4,831,360$4,760,060$5,435,778
53$5,559,213$5,034,483$4,885,908$5,877,818
54$6,091,580$5,246,500$5,014,914$6,357,319
55$6,677,156$5,467,814$5,147,149$6,881,619
56$7,321,335$5,698,846$5,282,687$7,455,140
57$8,030,058$5,940,036$5,421,604$8,082,748
58$8,809,872$6,191,846$5,563,975$8,769,799
59$9,667,990$6,454,758$5,709,880$9,522,192
60$10,612,362$6,729,277$5,859,397$10,346,419
61$11,651,743$7,015,932$6,012,608$11,249,626
62$12,795,785$7,315,276$6,169,594$12,239,685
63$14,055,118$7,627,889$6,330,439$13,325,261
64$15,441,461$7,954,375$6,495,229$14,515,896
65$16,967,720$8,295,370$6,664,050$15,822,096
66$18,648,122$8,651,538$6,836,990$17,255,433
67$20,498,340$9,023,573$7,014,139$18,828,650
68$22,535,647$9,412,204$7,195,588$20,555,779
69$24,779,072$9,818,191$7,381,429$22,452,277
70$27,249,587$10,242,333$7,571,757$24,535,165
71$29,970,301$10,685,463$7,766,667$26,823,193
72$32,966,678$11,148,457$7,966,257$29,337,010
73$36,266,776$11,632,228$8,170,623$32,099,364
74$39,901,516$12,137,735$8,379,867$35,135,308
75$43,904,968$12,665,982$8,594,090$38,472,443
76$48,314,677$13,218,018$8,813,395$42,141,167
77$53,172,016$13,794,942$9,037,885$46,174,972
78$58,522,574$14,397,907$9,267,667$50,610,749
79$64,416,590$15,028,118$9,502,848$55,489,139
80$70,909,425$15,686,838$9,743,536$60,854,914
81$78,062,082$16,375,390$9,989,840$66,757,396
82$85,941,787$17,095,156$10,241,873$73,250,924
83$94,622,620$17,847,589$10,499,745$80,395,363
84$104,186,212$18,634,206$10,763,572$88,256,666
85$114,722,521$19,456,598$11,033,468$96,907,495
86$126,330,678$20,316,431$11,309,548$106,427,906
87$139,119,920$21,215,449$11,591,931$116,906,099
88$153,210,625$22,155,479$11,880,734$128,439,253
89$168,735,448$23,138,436$12,176,077$141,134,436
90$185,840,568$24,166,324$12,478,080$155,109,615
91$204,687,075$25,241,243$12,786,865$170,494,767
92$225,452,484$26,365,392$13,102,553$187,433,100
93$248,332,417$27,541,075$13,425,267$206,082,409
94$273,542,441$28,770,706$13,755,132$226,616,552
95$301,320,112$30,056,812$14,092,270$249,227,097
96$331,927,210$31,402,042$14,436,808$274,125,121
97$365,652,214$32,809,171$14,788,869$301,543,202
98$402,813,023$34,281,104$15,148,580$331,737,610
99$443,759,961$35,820,887$15,516,067$364,990,721
100$488,879,076$37,431,710$15,891,454$401,613,679