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

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 $5,300,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.7%
1 years$437,669$433,771$429,967$426,254$422,629$419,614
2 years$216,668$212,633$208,722$204,930$201,252$198,212
3 years$143,010$138,958$135,057$131,301$127,683$124,711
4 years$106,189$102,149$98,287$94,595$91,064$88,185
5 years$84,102$80,086$76,275$72,658$69,226$66,446
6 years$69,382$65,396$61,641$58,105$54,776$52,100
7 years$58,872$54,920$51,224$47,771$44,547$41,977
8 years$50,993$47,076$43,442$40,074$36,956$34,491
9 years$44,868$40,988$37,417$34,134$31,123$28,762
10 years$39,971$36,129$32,621$29,424$26,518$24,261
11 years$35,967$32,164$28,719$25,608$22,806$20,650
12 years$32,632$28,868$25,487$22,461$19,764$17,707
13 years$29,813$26,089$22,771$19,830$17,234$15,275
14 years$27,399$23,714$20,460$17,603$15,107$13,244
15 years$25,308$21,663$18,473$15,699$13,302$11,531
16 years$23,481$19,875$16,748$14,057$11,756$10,075
17 years$21,870$18,304$15,240$12,630$10,424$8,830
18 years$20,440$16,914$13,912$11,382$9,268$7,759
19 years$19,162$15,676$12,736$10,285$8,261$6,833
20 years$18,013$14,567$11,688$9,315$7,379$6,029
21 years$16,975$13,568$10,751$8,454$6,603$5,329
22 years$16,032$12,666$9,909$7,686$5,919$4,718
23 years$15,173$11,846$9,149$7,000$5,313$4,181
24 years$14,387$11,099$8,461$6,384$4,776$3,710
25 years$13,664$10,416$7,837$5,831$4,297$3,296
26 years$12,998$9,789$7,268$5,331$3,871$2,930
27 years$12,383$9,213$6,749$4,880$3,490$2,607
28 years$11,813$8,681$6,274$4,471$3,149$2,321
29 years$11,282$8,190$5,839$4,100$2,843$2,067
30 years$10,789$7,734$5,439$3,763$2,569$1,843
31 years$10,327$7,311$5,070$3,456$2,323$1,643
32 years$9,896$6,918$4,731$3,176$2,101$1,466
33 years$9,492$6,551$4,417$2,921$1,902$1,308
34 years$9,112$6,209$4,127$2,687$1,722$1,168
35 years$8,754$5,889$3,858$2,474$1,559$1,043
36 years$8,418$5,590$3,610$2,278$1,413$932
37 years$8,100$5,309$3,378$2,099$1,281$832
38 years$7,800$5,046$3,164$1,935$1,161$744
39 years$7,515$4,798$2,964$1,784$1,053$665
40 years$7,246$4,565$2,778$1,645$955$594
41 years$6,990$4,345$2,605$1,518$866$532
42 years$6,748$4,138$2,444$1,401$786$475
43 years$6,517$3,943$2,293$1,293$713$425
44 years$6,297$3,758$2,152$1,194$648$380
45 years$6,088$3,584$2,021$1,103$588$340
46 years$5,888$3,419$1,898$1,019$534$304
47 years$5,698$3,263$1,783$941$485$272
48 years$5,515$3,115$1,676$870$440$244
49 years$5,341$2,974$1,575$804$400$218
50 years$5,175$2,841$1,481$743$363$195

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 $6,989 every year, while hoping to spend $40,690 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: 76/11/13 Blend
51$5,300,000$5,300,000$5,300,000$5,300,000
52$5,847,809$5,566,909$5,484,759$6,276,298
53$6,400,992$5,796,394$5,625,205$6,789,357
54$7,009,235$6,035,760$5,768,991$7,345,831
55$7,678,113$6,285,447$5,916,188$7,954,740
56$8,413,765$6,545,919$6,066,865$8,621,290
57$9,222,957$6,817,657$6,221,093$9,351,213
58$10,113,143$7,101,166$6,378,944$10,150,818
59$11,092,535$7,396,975$6,540,490$11,027,055
60$12,170,183$7,705,636$6,705,805$11,987,577
61$13,356,056$8,027,726$6,874,964$13,040,811
62$14,661,140$8,363,851$7,048,042$14,196,037
63$16,097,540$8,714,644$7,225,115$15,463,477
64$17,678,593$9,080,766$7,406,261$16,854,387
65$19,418,996$9,462,909$7,591,557$18,381,167
66$21,334,940$9,861,799$7,781,081$20,057,474
67$23,444,271$10,278,193$7,974,914$21,898,348
68$25,766,647$10,712,886$8,173,134$23,920,360
69$28,323,735$11,166,707$8,375,824$26,141,760
70$31,139,405$11,640,525$8,583,063$28,582,653
71$34,239,964$12,135,249$8,794,935$31,265,187
72$37,654,396$12,651,832$9,011,521$34,213,758
73$41,414,641$13,191,269$9,232,904$37,455,243
74$45,555,896$13,754,603$9,459,168$41,019,250
75$50,116,943$14,342,924$9,690,396$44,938,400
76$55,140,519$14,957,375$9,926,671$49,248,627
77$60,673,716$15,599,151$10,168,079$53,989,522
78$66,768,429$16,269,503$10,414,704$59,204,703
79$73,481,841$16,969,741$10,666,629$64,942,227
80$80,876,967$17,701,236$10,923,939$71,255,037
81$89,023,245$18,465,424$11,186,718$78,201,468
82$97,997,193$19,263,808$11,455,051$85,845,790
83$107,883,132$20,097,959$11,729,020$94,258,816
84$118,773,979$20,969,526$12,008,709$103,518,568
85$130,772,125$21,880,233$12,294,201$113,711,010
86$143,990,403$22,831,886$12,585,578$124,930,862
87$158,553,150$23,826,375$12,882,921$137,282,489
88$174,597,382$24,865,678$13,186,310$150,880,883
89$192,274,089$25,951,870$13,495,825$165,852,752
90$211,749,654$27,087,120$13,811,544$182,337,706
91$233,207,431$28,273,701$14,133,542$200,489,579
92$256,849,470$29,513,993$14,461,897$220,477,879
93$282,898,424$30,810,487$14,796,679$242,489,381
94$311,599,658$32,165,795$15,137,962$266,729,891
95$343,223,553$33,582,649$15,485,813$293,426,187
96$378,068,068$35,063,912$15,840,301$322,828,153
97$416,461,549$36,612,582$16,201,489$355,211,142
98$458,765,827$38,231,798$16,569,439$390,878,563
99$505,379,635$39,924,850$16,944,209$430,164,754
100$556,742,372$41,695,182$17,325,854$473,438,123