Can I retire at age 52 with 5,000,000?

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 $5,000,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.4%
1 years$412,895$409,217$405,629$402,127$398,707$394,707
2 years$204,404$200,597$196,907$193,330$189,860$185,832
3 years$134,915$131,092$127,412$123,869$120,455$116,523
4 years$100,178$96,367$92,723$89,240$85,910$82,104
5 years$79,341$75,553$71,957$68,545$65,307$61,639
6 years$65,455$61,694$58,152$54,816$51,675$48,149
7 years$55,539$51,811$48,325$45,067$42,026$38,644
8 years$48,106$44,411$40,983$37,806$34,865$31,626
9 years$42,328$38,668$35,299$32,202$29,361$26,264
10 years$37,708$34,084$30,774$27,759$25,017$22,061
11 years$33,931$30,343$27,093$24,158$21,515$18,697
12 years$30,785$27,234$24,044$21,190$18,645$15,962
13 years$28,126$24,612$21,482$18,708$16,259$13,708
14 years$25,848$22,371$19,302$16,607$14,252$11,830
15 years$23,876$20,437$17,427$14,810$12,549$10,252
16 years$22,152$18,750$15,800$13,261$11,091$8,915
17 years$20,632$17,268$14,377$11,915$9,834$7,775
18 years$19,283$15,957$13,125$10,738$8,744$6,798
19 years$18,077$14,789$12,015$9,702$7,793$5,957
20 years$16,993$13,742$11,027$8,787$6,961$5,229
21 years$16,014$12,800$10,143$7,975$6,230$4,598
22 years$15,125$11,949$9,348$7,251$5,584$4,049
23 years$14,314$11,175$8,631$6,604$5,012$3,570
24 years$13,572$10,471$7,982$6,023$4,505$3,151
25 years$12,891$9,826$7,393$5,501$4,054$2,783
26 years$12,263$9,235$6,857$5,029$3,652$2,461
27 years$11,682$8,691$6,367$4,604$3,292$2,177
28 years$11,144$8,190$5,919$4,218$2,971$1,928
29 years$10,644$7,726$5,508$3,868$2,683$1,708
30 years$10,178$7,296$5,131$3,550$2,424$1,513
31 years$9,743$6,898$4,783$3,260$2,191$1,342
32 years$9,336$6,526$4,463$2,996$1,982$1,190
33 years$8,954$6,181$4,167$2,755$1,794$1,056
34 years$8,596$5,858$3,893$2,535$1,624$937
35 years$8,259$5,556$3,640$2,334$1,471$832
36 years$7,941$5,274$3,405$2,149$1,333$739
37 years$7,641$5,009$3,187$1,980$1,208$656
38 years$7,358$4,760$2,985$1,825$1,095$583
39 years$7,090$4,526$2,796$1,683$993$518
40 years$6,836$4,306$2,621$1,552$901$460
41 years$6,595$4,099$2,458$1,432$817$409
42 years$6,366$3,904$2,305$1,322$742$364
43 years$6,148$3,720$2,163$1,220$673$323
44 years$5,941$3,546$2,031$1,127$611$287
45 years$5,743$3,381$1,907$1,040$555$256
46 years$5,555$3,225$1,791$961$504$227
47 years$5,375$3,078$1,682$888$457$202
48 years$5,203$2,938$1,581$820$415$180
49 years$5,039$2,806$1,486$758$377$160
50 years$4,882$2,680$1,397$701$343$142

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $5,000,000, adding $4,861 every year, while hoping to spend $49,041 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: 43/48/9 Blend
51$5,000,000$5,000,000$5,000,000$5,000,000
52$5,515,014$5,250,014$5,172,514$5,737,600
53$6,025,366$5,455,086$5,293,614$6,097,983
54$6,586,131$5,668,562$5,417,127$6,482,801
55$7,202,398$5,890,803$5,543,083$6,898,563
56$7,879,775$6,122,185$5,671,509$7,348,120
57$8,624,441$6,363,101$5,802,433$7,834,598
58$9,443,203$6,613,962$5,935,883$8,361,433
59$10,343,558$6,875,194$6,071,884$8,932,397
60$11,333,770$7,147,248$6,210,461$9,551,632
61$12,422,941$7,430,590$6,351,639$10,223,691
62$13,621,102$7,725,709$6,495,439$10,953,574
63$14,939,302$8,033,117$6,641,883$11,746,776
64$16,389,717$8,353,346$6,790,993$12,609,338
65$17,985,762$8,686,954$6,942,785$13,547,901
66$19,742,219$9,034,524$7,097,278$14,569,762
67$21,675,375$9,396,665$7,254,487$15,682,949
68$23,803,176$9,774,014$7,414,424$16,896,286
69$26,145,395$10,167,236$7,577,103$18,219,481
70$28,723,821$10,577,026$7,742,531$19,663,209
71$31,562,461$11,004,111$7,910,717$21,239,213
72$34,687,771$11,449,251$8,081,664$22,960,411
73$38,128,899$11,913,240$8,255,375$24,841,018
74$41,917,965$12,396,907$8,431,849$26,896,671
75$46,090,364$12,901,122$8,611,082$29,144,580
76$50,685,096$13,426,792$8,793,068$31,603,681
77$55,745,136$13,974,865$8,977,796$34,294,816
78$61,317,840$14,546,334$9,165,253$37,240,923
79$67,455,391$15,142,235$9,355,420$40,467,251
80$74,215,291$15,763,655$9,548,277$44,001,592
81$81,660,904$16,411,727$9,743,797$47,874,541
82$89,862,052$17,087,637$9,941,950$52,119,778
83$98,895,676$17,792,627$10,142,701$56,774,385
84$108,846,563$18,527,993$10,346,009$61,879,189
85$119,808,141$19,295,094$10,551,829$67,479,140
86$131,883,367$20,095,348$10,760,110$73,623,735
87$145,185,691$20,930,241$10,970,795$80,367,479
88$159,840,134$21,801,326$11,183,819$87,770,388
89$175,984,464$22,710,227$11,399,113$95,898,558
90$193,770,495$23,658,644$11,616,599$104,824,777
91$213,365,523$24,648,355$11,836,193$114,629,207
92$234,953,904$25,681,222$12,057,802$125,400,134
93$258,738,789$26,759,189$12,281,326$137,234,797
94$284,944,050$27,884,293$12,506,655$150,240,294
95$313,816,385$29,058,666$12,733,670$164,534,587
96$345,627,652$30,284,536$12,962,244$180,247,611
97$380,677,431$31,564,237$13,192,237$197,522,486
98$419,295,854$32,900,209$13,423,502$216,516,864
99$461,846,720$34,295,008$13,655,878$237,404,408
100$508,730,928$35,751,307$13,889,193$260,376,419