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%19%
1 years$437,669$433,771$429,967$426,254$422,629$407,310
2 years$216,668$212,633$208,722$204,930$201,252$185,986
3 years$143,010$138,958$135,057$131,301$127,683$112,950
4 years$106,189$102,149$98,287$94,595$91,064$76,978
5 years$84,102$80,086$76,275$72,658$69,226$55,822
6 years$69,382$65,396$61,641$58,105$54,776$42,065
7 years$58,872$54,920$51,224$47,771$44,547$32,526
8 years$50,993$47,076$43,442$40,074$36,956$25,614
9 years$44,868$40,988$37,417$34,134$31,123$20,444
10 years$39,971$36,129$32,621$29,424$26,518$16,484
11 years$35,967$32,164$28,719$25,608$22,806$13,397
12 years$32,632$28,868$25,487$22,461$19,764$10,955
13 years$29,813$26,089$22,771$19,830$17,234$9,002
14 years$27,399$23,714$20,460$17,603$15,107$7,427
15 years$25,308$21,663$18,473$15,699$13,302$6,147
16 years$23,481$19,875$16,748$14,057$11,756$5,101
17 years$21,870$18,304$15,240$12,630$10,424$4,242
18 years$20,440$16,914$13,912$11,382$9,268$3,534
19 years$19,162$15,676$12,736$10,285$8,261$2,948
20 years$18,013$14,567$11,688$9,315$7,379$2,462
21 years$16,975$13,568$10,751$8,454$6,603$2,059
22 years$16,032$12,666$9,909$7,686$5,919$1,723
23 years$15,173$11,846$9,149$7,000$5,313$1,443
24 years$14,387$11,099$8,461$6,384$4,776$1,209
25 years$13,664$10,416$7,837$5,831$4,297$1,013
26 years$12,998$9,789$7,268$5,331$3,871$850
27 years$12,383$9,213$6,749$4,880$3,490$713
28 years$11,813$8,681$6,274$4,471$3,149$598
29 years$11,282$8,190$5,839$4,100$2,843$502
30 years$10,789$7,734$5,439$3,763$2,569$421
31 years$10,327$7,311$5,070$3,456$2,323$354
32 years$9,896$6,918$4,731$3,176$2,101$297
33 years$9,492$6,551$4,417$2,921$1,902$249
34 years$9,112$6,209$4,127$2,687$1,722$210
35 years$8,754$5,889$3,858$2,474$1,559$176
36 years$8,418$5,590$3,610$2,278$1,413$148
37 years$8,100$5,309$3,378$2,099$1,281$124
38 years$7,800$5,046$3,164$1,935$1,161$104
39 years$7,515$4,798$2,964$1,784$1,053$88
40 years$7,246$4,565$2,778$1,645$955$74
41 years$6,990$4,345$2,605$1,518$866$62
42 years$6,748$4,138$2,444$1,401$786$52
43 years$6,517$3,943$2,293$1,293$713$44
44 years$6,297$3,758$2,152$1,194$648$37
45 years$6,088$3,584$2,021$1,103$588$31
46 years$5,888$3,419$1,898$1,019$534$26
47 years$5,698$3,263$1,783$941$485$22
48 years$5,515$3,115$1,676$870$440$18
49 years$5,341$2,974$1,575$804$400$15
50 years$5,175$2,841$1,481$743$363$13

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 $4,348 every year, while hoping to spend $50,858 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: 46/43/11 Blend
51$5,300,000$5,300,000$5,300,000$5,300,000
52$5,845,085$5,564,185$5,482,035$6,095,731
53$6,387,171$5,782,718$5,611,571$6,488,025
54$6,982,846$6,010,254$5,743,741$6,907,767
55$7,637,520$6,247,181$5,878,581$7,361,961
56$8,357,159$6,493,904$6,016,125$7,853,816
57$9,148,329$6,750,845$6,156,405$8,386,856
58$10,018,269$7,018,447$6,299,455$8,964,955
59$10,974,953$7,297,171$6,445,307$9,592,365
60$12,027,165$7,587,500$6,593,992$10,273,761
61$13,184,585$7,889,937$6,745,540$11,014,281
62$14,457,878$8,205,008$6,899,980$11,819,572
63$15,858,792$8,533,265$7,057,341$12,695,841
64$17,400,276$8,875,282$7,217,649$13,649,915
65$19,096,594$9,231,660$7,380,929$14,689,298
66$20,963,462$9,603,027$7,547,207$15,822,245
67$23,018,201$9,990,041$7,716,504$17,057,832
68$25,279,891$10,393,387$7,888,840$18,406,046
69$27,769,560$10,813,783$8,064,236$19,877,871
70$30,510,375$11,251,978$8,242,708$21,485,392
71$33,527,865$11,708,757$8,424,271$23,241,906
72$36,850,161$12,184,939$8,608,937$25,162,043
73$40,508,258$12,681,382$8,796,717$27,261,903
74$44,536,311$13,198,980$8,987,618$29,559,207
75$48,971,956$13,738,672$9,181,645$32,073,455
76$53,856,665$14,301,436$9,378,799$34,826,113
77$59,236,135$14,888,297$9,579,079$37,840,808
78$65,160,724$15,500,326$9,782,481$41,143,549
79$71,685,919$16,138,643$9,988,996$44,762,970
80$78,872,866$16,804,421$10,198,611$48,730,593
81$86,788,944$17,498,883$10,411,310$53,081,125
82$95,508,400$18,223,312$10,627,072$57,852,780
83$105,113,050$18,979,047$10,845,872$63,087,634
84$115,693,053$19,767,492$11,067,681$68,832,018
85$127,347,757$20,590,113$11,292,461$75,136,954
86$140,186,643$21,448,443$11,520,173$82,058,627
87$154,330,352$22,344,088$11,750,771$89,658,909
88$169,911,827$23,278,727$11,984,200$98,005,946
89$187,077,565$24,254,116$12,220,402$107,174,785
90$205,989,002$25,272,093$12,459,311$117,248,083
91$226,824,036$26,334,581$12,700,854$128,316,880
92$249,778,704$27,443,592$12,944,949$140,481,449
93$275,069,034$28,601,231$13,191,507$153,852,239
94$302,933,085$29,809,701$13,440,432$168,550,909
95$333,633,190$31,071,306$13,691,617$184,711,470
96$367,458,435$32,388,460$13,944,945$202,481,541
97$404,727,386$33,763,685$14,200,292$222,023,734
98$445,791,099$35,199,625$14,457,521$243,517,182
99$491,036,428$36,699,044$14,716,485$267,159,220
100$540,889,682$38,264,835$14,977,026$293,167,242