Can I retire at age 52 with 5,400,000?

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 $5,400,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.9%
1 years$445,927$441,955$438,080$434,297$430,604$425,399
2 years$220,756$216,645$212,660$208,797$205,049$199,812
3 years$145,709$141,580$137,605$133,778$130,092$124,984
4 years$108,192$104,076$100,141$96,380$92,783$87,843
5 years$85,689$81,597$77,714$74,029$70,532$65,776
6 years$70,691$66,630$62,804$59,201$55,809$51,242
7 years$59,983$55,956$52,191$48,673$45,388$41,012
8 years$51,955$47,964$44,262$40,830$37,654$33,468
9 years$45,714$41,762$38,123$34,778$31,710$27,713
10 years$40,725$36,811$33,236$29,979$27,018$23,207
11 years$36,645$32,771$29,261$26,091$23,237$19,608
12 years$33,248$29,413$25,968$22,885$20,136$16,686
13 years$30,376$26,581$23,201$20,204$17,559$14,283
14 years$27,916$24,161$20,846$17,935$15,392$12,286
15 years$25,786$22,072$18,821$15,995$13,553$10,611
16 years$23,924$20,250$17,064$14,322$11,978$9,195
17 years$22,283$18,650$15,528$12,868$10,620$7,992
18 years$20,826$17,233$14,175$11,597$9,443$6,963
19 years$19,523$15,972$12,976$10,479$8,417$6,079
20 years$18,353$14,842$11,909$9,490$7,518$5,317
21 years$17,295$13,824$10,954$8,613$6,728$4,658
22 years$16,335$12,905$10,096$7,831$6,031$4,086
23 years$15,459$12,069$9,322$7,132$5,413$3,589
24 years$14,658$11,308$8,621$6,505$4,866$3,155
25 years$13,922$10,612$7,985$5,941$4,378$2,776
26 years$13,244$9,974$7,405$5,432$3,944$2,445
27 years$12,617$9,386$6,877$4,972$3,556$2,155
28 years$12,035$8,845$6,393$4,555$3,208$1,900
29 years$11,495$8,344$5,949$4,177$2,897$1,676
30 years$10,992$7,880$5,541$3,834$2,618$1,480
31 years$10,522$7,449$5,166$3,521$2,367$1,306
32 years$10,083$7,049$4,820$3,236$2,141$1,154
33 years$9,671$6,675$4,500$2,976$1,937$1,020
34 years$9,284$6,326$4,205$2,738$1,754$901
35 years$8,920$6,001$3,931$2,520$1,589$797
36 years$8,576$5,695$3,678$2,321$1,440$705
37 years$8,253$5,409$3,442$2,139$1,305$623
38 years$7,947$5,141$3,223$1,971$1,183$551
39 years$7,657$4,888$3,020$1,818$1,073$488
40 years$7,383$4,651$2,831$1,676$973$432
41 years$7,122$4,427$2,654$1,547$883$382
42 years$6,875$4,216$2,490$1,427$801$338
43 years$6,640$4,017$2,336$1,318$727$299
44 years$6,416$3,829$2,193$1,217$660$265
45 years$6,203$3,652$2,059$1,124$599$234
46 years$5,999$3,484$1,934$1,038$544$208
47 years$5,805$3,324$1,817$959$494$184
48 years$5,619$3,174$1,707$886$448$163
49 years$5,442$3,031$1,605$819$407$144
50 years$5,272$2,895$1,509$757$370$128

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $5,400,000, adding $5,482 every year, while hoping to spend $50,633 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: 57/16/27 Blend
51$5,400,000$5,400,000$5,400,000$5,400,000
52$5,956,455$5,670,255$5,586,555$6,251,659
53$6,510,140$5,894,224$5,719,831$6,678,698
54$7,118,604$6,127,471$5,855,875$7,138,137
55$7,787,381$6,370,396$5,994,727$7,637,872
56$8,522,568$6,623,420$6,136,424$8,181,815
57$9,330,881$6,886,979$6,281,005$8,774,269
58$10,219,721$7,161,531$6,428,509$9,419,970
59$11,197,241$7,447,554$6,578,973$10,124,131
60$12,272,424$7,745,549$6,732,433$10,892,487
61$13,455,168$8,056,037$6,888,925$11,731,354
62$14,756,376$8,379,564$7,048,485$12,647,684
63$16,188,064$8,716,700$7,211,147$13,649,127
64$17,763,470$9,068,042$7,376,945$14,744,111
65$19,497,181$9,434,213$7,545,909$15,941,910
66$21,405,268$9,815,864$7,718,071$17,252,738
67$23,505,440$10,213,676$7,893,462$18,687,841
68$25,817,210$10,628,361$8,072,108$20,259,604
69$28,362,078$11,060,664$8,254,036$21,981,664
70$31,163,736$11,511,362$8,439,272$23,869,040
71$34,248,287$11,981,269$8,627,838$25,938,274
72$37,644,497$12,471,236$8,819,755$28,207,581
73$41,384,061$12,982,152$9,015,043$30,697,027
74$45,501,906$13,514,948$9,213,717$33,428,710
75$50,036,515$14,070,595$9,415,792$36,426,972
76$55,030,298$14,650,112$9,621,278$39,718,624
77$60,529,983$15,254,562$9,830,186$43,333,202
78$66,587,063$15,885,058$10,042,519$47,303,237
79$73,258,281$16,542,764$10,258,281$51,664,569
80$80,606,163$17,228,896$10,477,470$56,456,677
81$88,699,607$17,944,728$10,700,082$61,723,051
82$97,614,539$18,691,591$10,926,106$67,511,604
83$107,434,623$19,470,880$11,155,532$73,875,120
84$118,252,052$20,284,050$11,388,339$80,871,749
85$130,168,421$21,132,628$11,624,508$88,565,557
86$143,295,680$22,018,208$11,864,010$97,027,125
87$157,757,198$22,942,459$12,106,813$106,334,216
88$173,688,920$23,907,126$12,352,878$116,572,507
89$191,240,652$24,914,038$12,602,162$127,836,390
90$210,577,479$25,965,106$12,854,615$140,229,870
91$231,881,315$27,062,330$13,110,178$153,867,534
92$255,352,628$28,207,803$13,368,788$168,875,639
93$281,212,327$29,403,716$13,630,373$185,393,293
94$309,703,847$30,652,361$13,894,853$203,573,771
95$341,095,450$31,956,137$14,162,142$223,585,958
96$375,682,754$33,317,556$14,432,141$245,615,938
97$413,791,524$34,739,245$14,704,746$269,868,749
98$455,780,745$36,223,953$14,979,841$296,570,314
99$502,046,015$37,774,561$15,257,300$325,969,572
100$553,023,275$39,394,081$15,536,986$358,340,824