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

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 $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%15.6%
1 years$429,411$425,586$421,854$418,212$414,655$405,125
2 years$212,580$208,621$204,784$201,063$197,455$187,906
3 years$140,312$136,336$132,509$128,823$125,274$116,004
4 years$104,185$100,221$96,432$92,810$89,346$80,428
5 years$82,515$78,575$74,835$71,287$67,919$59,377
6 years$68,073$64,162$60,478$57,009$53,742$45,585
7 years$57,761$53,883$50,258$46,870$43,707$35,935
8 years$50,031$46,188$42,622$39,318$36,259$28,871
9 years$44,021$40,215$36,711$33,490$30,535$23,524
10 years$39,217$35,447$32,005$28,869$26,018$19,377
11 years$35,288$31,557$28,177$25,125$22,376$16,096
12 years$32,017$28,324$25,006$22,038$19,391$13,461
13 years$29,251$25,596$22,341$19,456$16,909$11,319
14 years$26,882$23,266$20,074$17,271$14,822$9,561
15 years$24,831$21,254$18,124$15,403$13,051$8,105
16 years$23,038$19,500$16,432$13,791$11,534$6,892
17 years$21,458$17,959$14,953$12,391$10,227$5,875
18 years$20,054$16,595$13,650$11,167$9,093$5,020
19 years$18,800$15,380$12,496$10,090$8,105$4,296
20 years$17,673$14,292$11,468$9,139$7,240$3,683
21 years$16,655$13,312$10,548$8,294$6,479$3,161
22 years$15,730$12,427$9,722$7,541$5,807$2,716
23 years$14,887$11,622$8,976$6,868$5,213$2,336
24 years$14,115$10,889$8,302$6,264$4,686$2,011
25 years$13,406$10,219$7,689$5,721$4,216$1,732
26 years$12,753$9,604$7,131$5,231$3,798$1,493
27 years$12,149$9,039$6,622$4,788$3,424$1,287
28 years$11,590$8,517$6,156$4,387$3,090$1,110
29 years$11,070$8,035$5,729$4,023$2,790$958
30 years$10,585$7,588$5,336$3,692$2,521$827
31 years$10,133$7,173$4,975$3,391$2,279$714
32 years$9,709$6,787$4,641$3,116$2,062$617
33 years$9,312$6,428$4,334$2,865$1,866$533
34 years$8,940$6,092$4,049$2,636$1,689$461
35 years$8,589$5,778$3,786$2,427$1,530$398
36 years$8,259$5,484$3,541$2,235$1,386$344
37 years$7,947$5,209$3,315$2,059$1,256$297
38 years$7,652$4,950$3,104$1,898$1,139$257
39 years$7,373$4,707$2,908$1,750$1,033$222
40 years$7,109$4,479$2,726$1,614$937$192
41 years$6,859$4,263$2,556$1,489$850$166
42 years$6,620$4,060$2,398$1,375$771$144
43 years$6,394$3,869$2,250$1,269$700$124
44 years$6,178$3,688$2,112$1,172$635$107
45 years$5,973$3,516$1,983$1,082$577$93
46 years$5,777$3,354$1,862$999$524$80
47 years$5,590$3,201$1,750$923$476$70
48 years$5,411$3,056$1,644$853$432$60
49 years$5,241$2,918$1,545$789$392$52
50 years$5,077$2,788$1,453$729$356$45

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 $5,698 every year, while hoping to spend $35,647 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: 49/44/7 Blend
50$5,200,000$5,200,000$5,200,000$5,200,000
51$5,736,277$5,460,677$5,380,077$6,006,693
52$6,283,450$5,690,323$5,522,382$6,421,681
53$6,885,239$5,930,025$5,668,259$6,867,915
54$7,547,178$6,180,242$5,817,790$7,351,747
55$8,275,363$6,441,447$5,971,060$7,876,697
56$9,076,513$6,714,140$6,128,153$8,446,628
57$9,958,027$6,998,843$6,289,156$9,065,783
58$10,928,060$7,296,101$6,454,157$9,738,824
59$11,995,598$7,606,485$6,623,247$10,470,873
60$13,170,540$7,930,594$6,796,517$11,267,559
61$14,463,795$8,269,053$6,974,060$12,135,067
62$15,887,383$8,622,517$7,155,972$13,080,198
63$17,454,548$8,991,672$7,342,348$14,110,427
64$19,179,882$9,377,235$7,533,288$15,233,971
65$21,079,468$9,779,957$7,728,890$16,459,869
66$23,171,023$10,200,625$7,929,258$17,798,057
67$25,474,073$10,640,060$8,134,493$19,259,468
68$28,010,131$11,099,126$8,344,701$20,856,123
69$30,802,904$11,578,723$8,559,989$22,601,248
70$33,878,517$12,079,797$8,780,465$24,509,393
71$37,265,754$12,603,335$9,006,239$26,596,565
72$40,996,335$13,150,373$9,237,422$28,880,379
73$45,105,214$13,721,995$9,474,129$31,380,218
74$49,630,907$14,319,334$9,716,473$34,117,412
75$54,615,858$14,943,579$9,964,573$37,115,435
76$60,106,835$15,595,974$10,218,546$40,400,126
77$66,155,376$16,277,821$10,478,512$43,999,924
78$72,818,275$16,990,485$10,744,592$47,946,134
79$80,158,114$17,735,393$11,016,910$52,273,219
80$88,243,856$18,514,041$11,295,591$57,019,116
81$97,151,496$19,327,996$11,580,760$62,225,593
82$106,964,779$20,178,898$11,872,546$67,938,639
83$117,775,987$21,068,465$12,171,077$74,208,884
84$129,686,814$21,998,496$12,476,485$81,092,083
85$142,809,322$22,970,876$12,788,900$88,649,626
86$157,267,001$23,987,577$13,108,456$96,949,116
87$173,195,934$25,050,667$13,435,288$106,064,999
88$190,746,081$26,162,311$13,769,532$116,079,260
89$210,082,693$27,324,776$14,111,323$127,082,188
90$231,387,876$28,540,439$14,460,801$139,173,223
91$254,862,306$29,811,786$14,818,104$152,461,885
92$280,727,122$31,141,425$15,183,372$167,068,798
93$309,226,019$32,532,085$15,556,745$183,126,822
94$340,627,543$33,986,627$15,938,366$200,782,298
95$375,227,626$35,508,046$16,328,375$220,196,418
96$413,352,385$37,099,481$16,726,916$241,546,735
97$455,361,192$38,764,220$17,134,132$265,028,833
98$501,650,074$40,505,707$17,550,166$290,858,159
99$552,655,446$42,327,551$17,975,161$319,272,044
100$608,858,234$44,233,533$18,409,261$350,531,934