Can I retire at age 52 with 5,300,000?

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 $5,300,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.8%
1 years$437,669$433,771$429,967$426,254$422,629$410,913
2 years$216,668$212,633$208,722$204,930$201,252$189,536
3 years$143,010$138,958$135,057$131,301$127,683$116,333
4 years$106,189$102,149$98,287$94,595$91,064$80,168
5 years$84,102$80,086$76,275$72,658$69,226$58,813
6 years$69,382$65,396$61,641$58,105$54,776$44,857
7 years$58,872$54,920$51,224$47,771$44,547$35,122
8 years$50,993$47,076$43,442$40,074$36,956$28,020
9 years$44,868$40,988$37,417$34,134$31,123$22,666
10 years$39,971$36,129$32,621$29,424$26,518$18,531
11 years$35,967$32,164$28,719$25,608$22,806$15,276
12 years$32,632$28,868$25,487$22,461$19,764$12,675
13 years$29,813$26,089$22,771$19,830$17,234$10,573
14 years$27,399$23,714$20,460$17,603$15,107$8,857
15 years$25,308$21,663$18,473$15,699$13,302$7,446
16 years$23,481$19,875$16,748$14,057$11,756$6,277
17 years$21,870$18,304$15,240$12,630$10,424$5,305
18 years$20,440$16,914$13,912$11,382$9,268$4,492
19 years$19,162$15,676$12,736$10,285$8,261$3,810
20 years$18,013$14,567$11,688$9,315$7,379$3,237
21 years$16,975$13,568$10,751$8,454$6,603$2,753
22 years$16,032$12,666$9,909$7,686$5,919$2,343
23 years$15,173$11,846$9,149$7,000$5,313$1,996
24 years$14,387$11,099$8,461$6,384$4,776$1,702
25 years$13,664$10,416$7,837$5,831$4,297$1,452
26 years$12,998$9,789$7,268$5,331$3,871$1,240
27 years$12,383$9,213$6,749$4,880$3,490$1,059
28 years$11,813$8,681$6,274$4,471$3,149$904
29 years$11,282$8,190$5,839$4,100$2,843$773
30 years$10,789$7,734$5,439$3,763$2,569$661
31 years$10,327$7,311$5,070$3,456$2,323$565
32 years$9,896$6,918$4,731$3,176$2,101$483
33 years$9,492$6,551$4,417$2,921$1,902$413
34 years$9,112$6,209$4,127$2,687$1,722$353
35 years$8,754$5,889$3,858$2,474$1,559$302
36 years$8,418$5,590$3,610$2,278$1,413$259
37 years$8,100$5,309$3,378$2,099$1,281$221
38 years$7,800$5,046$3,164$1,935$1,161$189
39 years$7,515$4,798$2,964$1,784$1,053$162
40 years$7,246$4,565$2,778$1,645$955$139
41 years$6,990$4,345$2,605$1,518$866$119
42 years$6,748$4,138$2,444$1,401$786$102
43 years$6,517$3,943$2,293$1,293$713$87
44 years$6,297$3,758$2,152$1,194$648$74
45 years$6,088$3,584$2,021$1,103$588$64
46 years$5,888$3,419$1,898$1,019$534$55
47 years$5,698$3,263$1,783$941$485$47
48 years$5,515$3,115$1,676$870$440$40
49 years$5,341$2,974$1,575$804$400$34
50 years$5,175$2,841$1,481$743$363$29

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $5,300,000, adding $6,965 every year, while hoping to spend $52,294 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: 55/40/5 Blend
51$5,300,000$5,300,000$5,300,000$5,300,000
52$5,847,784$5,566,884$5,484,734$6,163,075
53$6,388,618$5,784,021$5,612,833$6,593,465
54$6,982,864$6,010,045$5,743,469$7,055,363
55$7,635,915$6,245,337$5,876,675$7,556,929
56$8,353,713$6,490,292$6,012,477$8,101,932
57$9,142,802$6,745,327$6,150,906$8,694,513
58$10,010,394$7,010,875$6,291,988$9,339,229
59$10,964,434$7,287,387$6,435,749$10,041,084
60$12,013,675$7,575,338$6,582,216$10,805,585
61$13,167,761$7,875,221$6,731,411$11,638,786
62$14,437,318$8,187,551$6,883,358$12,547,343
63$15,834,052$8,512,869$7,038,078$13,538,582
64$17,370,863$8,851,737$7,195,592$14,620,557
65$19,061,963$9,204,745$7,355,917$15,802,130
66$20,923,013$9,572,507$7,519,069$17,093,053
67$22,971,267$9,955,667$7,685,065$18,504,055
68$25,225,738$10,354,895$7,853,916$20,046,940
69$27,707,373$10,770,895$8,025,632$21,734,702
70$30,439,256$11,204,401$8,200,222$23,581,640
71$33,446,822$11,656,178$8,377,691$25,603,492
72$36,758,097$12,127,030$8,558,043$27,817,582
73$40,403,963$12,617,794$8,741,277$30,242,979
74$44,418,447$13,129,346$8,927,390$32,900,675
75$48,839,047$13,662,603$9,116,376$35,813,781
76$53,707,081$14,218,521$9,308,226$39,007,742
77$59,068,078$14,798,103$9,502,926$42,510,573
78$64,972,207$15,402,395$9,700,459$46,353,119
79$71,474,751$16,032,492$9,900,803$50,569,347
80$78,636,630$16,689,538$10,103,934$55,196,658
81$86,524,970$17,374,730$10,309,820$60,276,241
82$95,213,745$18,089,319$10,518,427$65,853,452
83$104,784,466$18,834,615$10,729,713$71,978,244
84$115,326,957$19,611,987$10,943,634$78,705,631
85$126,940,198$20,422,865$11,160,137$86,096,203
86$139,733,262$21,268,748$11,379,165$94,216,696
87$153,826,340$22,151,203$11,600,652$103,140,611
88$169,351,881$23,071,866$11,824,529$112,948,910
89$186,455,838$24,032,453$12,050,716$123,730,770
90$205,299,046$25,034,755$12,279,127$135,584,421
91$226,058,739$26,080,648$12,509,668$148,618,069
92$248,930,225$27,172,095$12,742,237$162,950,907
93$274,128,728$28,311,148$12,976,722$178,714,237
94$301,891,419$29,499,955$13,213,002$196,052,706
95$332,479,653$30,740,762$13,450,947$215,125,657
96$366,181,439$32,035,921$13,690,415$236,108,631
97$403,314,156$33,387,891$13,931,255$259,195,018
98$444,227,550$34,799,248$14,173,302$284,597,871
99$489,307,034$36,272,685$14,416,382$312,551,909
100$538,977,326$37,811,021$14,660,305$343,315,728