Can I retire at age 51 with 5,200,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $5,200,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.5%
1 years$429,411$425,586$421,854$418,212$414,655$410,325
2 years$212,580$208,621$204,784$201,063$197,455$193,094
3 years$140,312$136,336$132,509$128,823$125,274$121,017
4 years$104,185$100,221$96,432$92,810$89,346$85,228
5 years$82,515$78,575$74,835$71,287$67,919$63,951
6 years$68,073$64,162$60,478$57,009$53,742$49,928
7 years$57,761$53,883$50,258$46,870$43,707$40,049
8 years$50,031$46,188$42,622$39,318$36,259$32,757
9 years$44,021$40,215$36,711$33,490$30,535$27,188
10 years$39,217$35,447$32,005$28,869$26,018$22,823
11 years$35,288$31,557$28,177$25,125$22,376$19,331
12 years$32,017$28,324$25,006$22,038$19,391$16,493
13 years$29,251$25,596$22,341$19,456$16,909$14,154
14 years$26,882$23,266$20,074$17,271$14,822$12,207
15 years$24,831$21,254$18,124$15,403$13,051$10,572
16 years$23,038$19,500$16,432$13,791$11,534$9,187
17 years$21,458$17,959$14,953$12,391$10,227$8,006
18 years$20,054$16,595$13,650$11,167$9,093$6,996
19 years$18,800$15,380$12,496$10,090$8,105$6,125
20 years$17,673$14,292$11,468$9,139$7,240$5,374
21 years$16,655$13,312$10,548$8,294$6,479$4,721
22 years$15,730$12,427$9,722$7,541$5,807$4,154
23 years$14,887$11,622$8,976$6,868$5,213$3,660
24 years$14,115$10,889$8,302$6,264$4,686$3,228
25 years$13,406$10,219$7,689$5,721$4,216$2,849
26 years$12,753$9,604$7,131$5,231$3,798$2,517
27 years$12,149$9,039$6,622$4,788$3,424$2,225
28 years$11,590$8,517$6,156$4,387$3,090$1,968
29 years$11,070$8,035$5,729$4,023$2,790$1,742
30 years$10,585$7,588$5,336$3,692$2,521$1,543
31 years$10,133$7,173$4,975$3,391$2,279$1,367
32 years$9,709$6,787$4,641$3,116$2,062$1,211
33 years$9,312$6,428$4,334$2,865$1,866$1,074
34 years$8,940$6,092$4,049$2,636$1,689$952
35 years$8,589$5,778$3,786$2,427$1,530$845
36 years$8,259$5,484$3,541$2,235$1,386$750
37 years$7,947$5,209$3,315$2,059$1,256$665
38 years$7,652$4,950$3,104$1,898$1,139$590
39 years$7,373$4,707$2,908$1,750$1,033$524
40 years$7,109$4,479$2,726$1,614$937$465
41 years$6,859$4,263$2,556$1,489$850$413
42 years$6,620$4,060$2,398$1,375$771$367
43 years$6,394$3,869$2,250$1,269$700$326
44 years$6,178$3,688$2,112$1,172$635$290
45 years$5,973$3,516$1,983$1,082$577$257
46 years$5,777$3,354$1,862$999$524$229
47 years$5,590$3,201$1,750$923$476$203
48 years$5,411$3,056$1,644$853$432$180
49 years$5,241$2,918$1,545$789$392$160
50 years$5,077$2,788$1,453$729$356$142

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 51 starting with $5,200,000, adding $2,672 every year, while hoping to spend $35,612 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: 64/24/12 Blend
50$5,200,000$5,200,000$5,200,000$5,200,000
51$5,733,156$5,457,556$5,376,956$6,084,101
52$6,280,047$5,687,086$5,519,193$6,548,534
53$6,881,528$5,926,668$5,665,002$7,051,243
54$7,543,128$6,176,759$5,814,464$7,599,456
55$8,270,941$6,437,835$5,967,663$8,197,599
56$9,071,682$6,710,393$6,124,684$8,850,545
57$9,952,747$6,994,956$6,285,614$9,563,652
58$10,922,286$7,292,068$6,450,542$10,342,817
59$11,989,281$7,602,302$6,619,557$11,194,529
60$13,163,627$7,926,253$6,792,751$12,125,930
61$14,456,226$8,264,549$6,970,217$13,144,877
62$15,879,092$8,617,843$7,152,051$14,260,020
63$17,445,464$8,986,821$7,338,348$15,480,881
64$19,169,926$9,372,200$7,529,208$16,817,939
65$21,068,551$9,774,731$7,724,730$18,282,732
66$23,159,051$10,195,200$7,925,015$19,887,961
67$25,460,938$10,634,430$8,130,167$21,647,609
68$27,995,718$11,093,280$8,340,292$23,577,072
69$30,787,085$11,572,655$8,555,495$25,693,303
70$33,861,148$12,073,496$8,775,885$28,014,967
71$37,246,681$12,596,793$9,001,573$30,562,620
72$40,975,386$13,143,579$9,232,669$33,358,895
73$45,082,200$13,714,939$9,469,288$36,428,719
74$49,605,619$14,312,006$9,711,544$39,799,544
75$54,588,066$14,935,968$9,959,555$43,501,603
76$60,076,287$15,588,068$10,213,438$47,568,192
77$66,121,794$16,269,609$10,473,314$52,035,985
78$72,781,351$16,981,954$10,739,303$56,945,375
79$80,117,509$17,726,530$11,011,530$62,340,854
80$88,199,198$18,504,833$11,290,120$68,271,427
81$97,102,374$19,318,429$11,575,197$74,791,076
82$106,910,741$20,168,956$11,866,891$81,959,264
83$117,716,535$21,058,133$12,165,330$89,841,491
84$129,621,398$21,987,759$12,470,646$98,509,914
85$142,737,338$22,959,715$12,782,969$108,044,018
86$157,187,781$23,975,976$13,102,433$118,531,370
87$173,108,744$25,038,608$13,429,174$130,068,435
88$190,650,111$26,149,775$13,763,326$142,761,486
89$209,977,052$27,311,744$14,105,027$156,727,601
90$231,271,581$28,526,889$14,454,415$172,095,767
91$254,734,273$29,797,697$14,811,629$189,008,090
92$280,586,159$31,126,774$15,176,809$207,621,130
93$309,070,810$32,516,850$15,550,095$228,107,380
94$340,456,639$33,970,782$15,931,630$250,656,882
95$375,039,432$35,491,566$16,321,555$275,479,021
96$413,145,140$37,082,339$16,720,013$302,804,493
97$455,132,959$38,746,388$17,127,148$332,887,474
98$501,398,716$40,487,156$17,543,103$366,008,020
99$552,378,610$42,308,251$17,968,022$402,474,700
100$608,553,326$44,213,453$18,402,048$442,627,501