Can I retire at age 52 with 5,100,000?

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 $5,100,000?

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$421,153$417,402$413,742$410,169$406,681$402,434
2 years$208,492$204,609$200,846$197,197$193,658$189,381
3 years$137,614$133,714$129,960$126,346$122,864$118,690
4 years$102,182$98,294$94,578$91,025$87,628$83,589
5 years$80,928$77,064$73,396$69,916$66,613$62,721
6 years$66,764$62,928$59,315$55,912$52,709$48,968
7 years$56,650$52,847$49,291$45,969$42,866$39,279
8 years$49,068$45,300$41,803$38,562$35,562$32,127
9 years$43,175$39,442$36,005$32,846$29,948$26,665
10 years$38,462$34,766$31,390$28,314$25,517$22,384
11 years$34,610$30,950$27,635$24,641$21,946$18,960
12 years$31,401$27,779$24,525$21,614$19,018$16,176
13 years$28,688$25,104$21,912$19,082$16,584$13,882
14 years$26,365$22,819$19,688$16,939$14,537$11,973
15 years$24,353$20,846$17,775$15,106$12,800$10,368
16 years$22,595$19,125$16,116$13,526$11,312$9,010
17 years$21,045$17,614$14,665$12,153$10,030$7,852
18 years$19,669$16,276$13,387$10,952$8,919$6,861
19 years$18,439$15,084$12,255$9,896$7,949$6,008
20 years$17,333$14,017$11,247$8,963$7,101$5,270
21 years$16,334$13,056$10,345$8,135$6,354$4,631
22 years$15,427$12,188$9,535$7,396$5,696$4,074
23 years$14,601$11,399$8,804$6,736$5,113$3,589
24 years$13,844$10,680$8,142$6,144$4,595$3,166
25 years$13,149$10,023$7,541$5,611$4,135$2,794
26 years$12,508$9,420$6,994$5,130$3,725$2,469
27 years$11,916$8,865$6,495$4,696$3,358$2,182
28 years$11,367$8,353$6,038$4,302$3,030$1,931
29 years$10,857$7,881$5,618$3,945$2,736$1,709
30 years$10,381$7,442$5,233$3,621$2,472$1,513
31 years$9,938$7,035$4,879$3,325$2,235$1,341
32 years$9,523$6,657$4,552$3,056$2,022$1,188
33 years$9,133$6,304$4,250$2,810$1,830$1,053
34 years$8,768$5,975$3,971$2,586$1,657$934
35 years$8,424$5,667$3,713$2,380$1,501$829
36 years$8,100$5,379$3,473$2,192$1,360$735
37 years$7,794$5,109$3,251$2,020$1,232$652
38 years$7,505$4,855$3,044$1,862$1,117$579
39 years$7,232$4,617$2,852$1,717$1,013$514
40 years$6,973$4,393$2,673$1,583$919$456
41 years$6,727$4,181$2,507$1,461$834$405
42 years$6,493$3,982$2,351$1,348$756$360
43 years$6,271$3,794$2,207$1,245$686$320
44 years$6,060$3,617$2,071$1,149$623$284
45 years$5,858$3,449$1,945$1,061$566$252
46 years$5,666$3,290$1,827$980$514$224
47 years$5,483$3,140$1,716$906$466$199
48 years$5,307$2,997$1,613$837$424$177
49 years$5,140$2,862$1,516$773$385$157
50 years$4,979$2,734$1,425$715$349$140

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $5,100,000, adding $6,919 every year, while hoping to spend $41,423 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: 41/33/26 Blend
51$5,100,000$5,100,000$5,100,000$5,100,000
52$5,627,337$5,357,037$5,277,987$5,814,761
53$6,157,252$5,575,458$5,410,726$6,168,882
54$6,739,829$5,803,193$5,546,523$6,547,520
55$7,380,398$6,040,656$5,685,437$6,956,567
56$8,084,827$6,288,277$5,827,528$7,398,841
57$8,859,584$6,546,507$5,972,855$7,877,436
58$9,711,795$6,815,819$6,121,479$8,395,751
59$10,649,310$7,096,707$6,273,461$8,957,521
60$11,680,780$7,389,685$6,428,862$9,566,849
61$12,815,734$7,695,294$6,587,744$10,228,245
62$14,064,675$8,014,100$6,750,169$10,946,666
63$15,439,172$8,346,691$6,916,200$11,727,561
64$16,951,975$8,693,686$7,085,900$12,576,921
65$18,617,130$9,055,731$7,259,332$13,501,334
66$20,450,118$9,433,502$7,436,559$14,508,045
67$22,467,992$9,827,706$7,617,646$15,605,021
68$24,689,547$10,239,082$7,802,657$16,801,027
69$27,135,489$10,668,406$7,991,654$18,105,704
70$29,828,637$11,116,486$8,184,703$19,529,661
71$32,794,134$11,584,170$8,381,866$21,084,566
72$36,059,685$12,072,344$8,583,208$22,783,263
73$39,655,820$12,581,935$8,788,793$24,639,884
74$43,616,179$13,113,916$8,998,683$26,669,981
75$47,977,832$13,669,300$9,212,942$28,890,671
76$52,781,627$14,249,152$9,431,631$31,320,796
77$58,072,576$14,854,583$9,654,813$33,981,095
78$63,900,279$15,486,758$9,882,550$36,894,398
79$70,319,393$16,146,895$10,114,901$40,085,838
80$77,390,147$16,836,269$10,351,926$43,583,085
81$85,178,911$17,556,215$10,593,685$47,416,605
82$93,758,820$18,308,130$10,840,233$51,619,941
83$103,210,467$19,093,476$11,091,629$56,230,027
84$113,622,662$19,913,783$11,347,926$61,287,535
85$125,093,270$20,770,655$11,609,178$66,837,252
86$137,730,134$21,665,768$11,875,436$72,928,497
87$151,652,095$22,600,878$12,146,750$79,615,587
88$166,990,111$23,577,823$12,423,169$86,958,341
89$183,888,494$24,598,528$12,704,736$95,022,640
90$202,506,272$25,665,007$12,991,496$103,881,045
91$223,018,689$26,779,370$13,283,489$113,613,478
92$245,618,861$27,943,825$13,580,752$124,307,966
93$270,519,598$29,160,685$13,883,320$136,061,470
94$297,955,409$30,432,371$14,191,223$148,980,795
95$328,184,722$31,761,418$14,504,490$163,183,587
96$361,492,317$33,150,481$14,823,144$178,799,443
97$398,192,018$34,602,340$15,147,205$195,971,122
98$438,629,655$36,119,906$15,476,687$214,855,889
99$483,186,326$37,706,227$15,811,602$235,626,989
100$532,281,995$39,364,496$16,151,954$258,475,279