Can I retire at age 52 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%13.5%
1 years$429,411$425,586$421,854$418,212$414,655$408,627
2 years$212,580$208,621$204,784$201,063$197,455$191,395
3 years$140,312$136,336$132,509$128,823$125,274$119,369
4 years$104,185$100,221$96,432$92,810$89,346$83,643
5 years$82,515$78,575$74,835$71,287$67,919$62,435
6 years$68,073$64,162$60,478$57,009$53,742$48,482
7 years$57,761$53,883$50,258$46,870$43,707$38,673
8 years$50,031$46,188$42,622$39,318$36,259$31,450
9 years$44,021$40,215$36,711$33,490$30,535$25,950
10 years$39,217$35,447$32,005$28,869$26,018$21,652
11 years$35,288$31,557$28,177$25,125$22,376$18,226
12 years$32,017$28,324$25,006$22,038$19,391$15,451
13 years$29,251$25,596$22,341$19,456$16,909$13,174
14 years$26,882$23,266$20,074$17,271$14,822$11,287
15 years$24,831$21,254$18,124$15,403$13,051$9,708
16 years$23,038$19,500$16,432$13,791$11,534$8,378
17 years$21,458$17,959$14,953$12,391$10,227$7,250
18 years$20,054$16,595$13,650$11,167$9,093$6,290
19 years$18,800$15,380$12,496$10,090$8,105$5,467
20 years$17,673$14,292$11,468$9,139$7,240$4,761
21 years$16,655$13,312$10,548$8,294$6,479$4,152
22 years$15,730$12,427$9,722$7,541$5,807$3,626
23 years$14,887$11,622$8,976$6,868$5,213$3,170
24 years$14,115$10,889$8,302$6,264$4,686$2,774
25 years$13,406$10,219$7,689$5,721$4,216$2,429
26 years$12,753$9,604$7,131$5,231$3,798$2,129
27 years$12,149$9,039$6,622$4,788$3,424$1,867
28 years$11,590$8,517$6,156$4,387$3,090$1,639
29 years$11,070$8,035$5,729$4,023$2,790$1,439
30 years$10,585$7,588$5,336$3,692$2,521$1,264
31 years$10,133$7,173$4,975$3,391$2,279$1,110
32 years$9,709$6,787$4,641$3,116$2,062$976
33 years$9,312$6,428$4,334$2,865$1,866$858
34 years$8,940$6,092$4,049$2,636$1,689$755
35 years$8,589$5,778$3,786$2,427$1,530$664
36 years$8,259$5,484$3,541$2,235$1,386$584
37 years$7,947$5,209$3,315$2,059$1,256$514
38 years$7,652$4,950$3,104$1,898$1,139$452
39 years$7,373$4,707$2,908$1,750$1,033$398
40 years$7,109$4,479$2,726$1,614$937$350
41 years$6,859$4,263$2,556$1,489$850$308
42 years$6,620$4,060$2,398$1,375$771$272
43 years$6,394$3,869$2,250$1,269$700$239
44 years$6,178$3,688$2,112$1,172$635$211
45 years$5,973$3,516$1,983$1,082$577$185
46 years$5,777$3,354$1,862$999$524$163
47 years$5,590$3,201$1,750$923$476$144
48 years$5,411$3,056$1,644$853$432$127
49 years$5,241$2,918$1,545$789$392$112
50 years$5,077$2,788$1,453$729$356$98

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $5,200,000, adding $3,146 every year, while hoping to spend $34,391 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: 70/12/18 Blend
51$5,200,000$5,200,000$5,200,000$5,200,000
52$5,733,645$5,458,045$5,377,445$6,110,088
53$6,281,885$5,688,898$5,520,998$6,592,084
54$6,884,893$5,929,909$5,668,207$7,115,064
55$7,548,219$6,181,541$5,819,158$7,686,610
56$8,277,977$6,444,277$5,973,940$8,311,515
57$9,080,906$6,718,622$6,132,643$8,995,058
58$9,964,429$7,005,105$6,295,357$9,743,048
59$10,936,725$7,304,279$6,462,175$10,561,883
60$12,006,807$7,616,725$6,633,194$11,458,605
61$13,184,605$7,943,048$6,808,510$12,440,969
62$14,481,062$8,283,884$6,988,222$13,517,515
63$15,908,233$8,639,897$7,172,430$14,697,645
64$17,479,404$9,011,784$7,361,238$15,991,714
65$19,209,213$9,400,271$7,554,749$17,411,126
66$21,113,790$9,806,122$7,753,070$18,968,438
67$23,210,909$10,230,134$7,956,311$20,677,483
68$25,520,155$10,673,144$8,164,580$22,553,494
69$28,063,108$11,136,025$8,377,991$24,613,249
70$30,863,550$11,619,695$8,596,659$26,875,231
71$33,947,683$12,125,112$8,820,698$29,359,794
72$37,344,384$12,653,280$9,050,229$32,089,362
73$41,085,471$13,205,250$9,285,371$35,088,635
74$45,206,005$13,782,123$9,526,247$38,384,821
75$49,744,623$14,385,052$9,772,982$42,007,892
76$54,743,900$15,015,245$10,025,702$45,990,866
77$60,250,750$15,673,965$10,284,535$50,370,117
78$66,316,873$16,362,535$10,549,614$55,185,716
79$72,999,237$17,082,343$10,821,069$60,481,808
80$80,360,622$17,834,840$11,099,037$66,307,030
81$88,470,204$18,621,546$11,383,654$72,714,961
82$97,404,217$19,444,054$11,675,058$79,764,635
83$107,246,666$20,304,031$11,973,391$87,521,089
84$118,090,122$21,203,225$12,278,796$96,055,979
85$130,036,595$22,143,464$12,591,417$105,448,255
86$143,198,500$23,126,666$12,911,401$115,784,899
87$157,699,711$24,154,837$13,238,898$127,161,751
88$173,676,737$25,230,079$13,574,056$139,684,406
89$191,280,007$26,354,596$13,917,030$153,469,210
90$210,675,291$27,530,693$14,267,973$168,644,358
91$232,045,261$28,760,789$14,627,041$185,351,098
92$255,591,224$30,047,413$14,994,393$203,745,063
93$281,535,010$31,393,218$15,370,187$223,997,741
94$310,121,078$32,800,982$15,754,584$246,298,085
95$341,618,814$34,273,616$16,147,749$270,854,296
96$376,325,078$35,814,169$16,549,844$297,895,788
97$414,567,008$37,425,834$16,961,035$327,675,348
98$456,705,102$39,111,960$17,381,490$360,471,516
99$503,136,629$40,876,052$17,811,375$396,591,219
100$554,299,370$42,721,784$18,250,862$436,372,656