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%17.6%
1 years$445,927$441,955$438,080$434,297$430,604$417,321
2 years$220,756$216,645$212,660$208,797$205,049$191,784
3 years$145,709$141,580$137,605$133,778$130,092$117,259
4 years$108,192$104,076$100,141$96,380$92,783$80,481
5 years$85,689$81,597$77,714$74,029$70,532$58,794
6 years$70,691$66,630$62,804$59,201$55,809$44,647
7 years$59,983$55,956$52,191$48,673$45,388$34,799
8 years$51,955$47,964$44,262$40,830$37,654$27,632
9 years$45,714$41,762$38,123$34,778$31,710$22,244
10 years$40,725$36,811$33,236$29,979$27,018$18,095
11 years$36,645$32,771$29,261$26,091$23,237$14,840
12 years$33,248$29,413$25,968$22,885$20,136$12,248
13 years$30,376$26,581$23,201$20,204$17,559$10,162
14 years$27,916$24,161$20,846$17,935$15,392$8,466
15 years$25,786$22,072$18,821$15,995$13,553$7,077
16 years$23,924$20,250$17,064$14,322$11,978$5,932
17 years$22,283$18,650$15,528$12,868$10,620$4,984
18 years$20,826$17,233$14,175$11,597$9,443$4,195
19 years$19,523$15,972$12,976$10,479$8,417$3,537
20 years$18,353$14,842$11,909$9,490$7,518$2,986
21 years$17,295$13,824$10,954$8,613$6,728$2,524
22 years$16,335$12,905$10,096$7,831$6,031$2,135
23 years$15,459$12,069$9,322$7,132$5,413$1,808
24 years$14,658$11,308$8,621$6,505$4,866$1,532
25 years$13,922$10,612$7,985$5,941$4,378$1,298
26 years$13,244$9,974$7,405$5,432$3,944$1,101
27 years$12,617$9,386$6,877$4,972$3,556$934
28 years$12,035$8,845$6,393$4,555$3,208$793
29 years$11,495$8,344$5,949$4,177$2,897$673
30 years$10,992$7,880$5,541$3,834$2,618$572
31 years$10,522$7,449$5,166$3,521$2,367$486
32 years$10,083$7,049$4,820$3,236$2,141$412
33 years$9,671$6,675$4,500$2,976$1,937$350
34 years$9,284$6,326$4,205$2,738$1,754$298
35 years$8,920$6,001$3,931$2,520$1,589$253
36 years$8,576$5,695$3,678$2,321$1,440$215
37 years$8,253$5,409$3,442$2,139$1,305$183
38 years$7,947$5,141$3,223$1,971$1,183$155
39 years$7,657$4,888$3,020$1,818$1,073$132
40 years$7,383$4,651$2,831$1,676$973$112
41 years$7,122$4,427$2,654$1,547$883$95
42 years$6,875$4,216$2,490$1,427$801$81
43 years$6,640$4,017$2,336$1,318$727$69
44 years$6,416$3,829$2,193$1,217$660$59
45 years$6,203$3,652$2,059$1,124$599$50
46 years$5,999$3,484$1,934$1,038$544$42
47 years$5,805$3,324$1,817$959$494$36
48 years$5,619$3,174$1,707$886$448$31
49 years$5,442$3,031$1,605$819$407$26
50 years$5,272$2,895$1,509$757$370$22

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 $6,654 every year, while hoping to spend $50,490 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: 69/12/19 Blend
51$5,400,000$5,400,000$5,400,000$5,400,000
52$5,957,664$5,671,464$5,587,764$6,340,686
53$6,511,624$5,895,644$5,721,233$6,821,341
54$7,120,397$6,129,118$5,857,481$7,340,523
55$7,789,519$6,372,286$5,996,548$7,907,372
56$8,525,090$6,625,569$6,138,473$8,526,587
57$9,333,833$6,889,405$6,283,295$9,203,343
58$10,223,152$7,164,254$6,431,054$9,943,334
59$11,201,205$7,450,594$6,581,786$10,752,832
60$12,276,982$7,748,927$6,735,529$11,638,743
61$13,460,385$8,059,775$6,892,320$12,608,671
62$14,762,326$8,383,686$7,052,195$13,670,988
63$16,194,829$8,721,232$7,215,189$14,834,916
64$17,771,139$9,073,010$7,381,335$16,110,608
65$19,505,853$9,439,645$7,550,668$17,509,250
66$21,415,052$9,821,790$7,723,217$19,043,156
67$23,516,457$10,220,127$7,899,015$20,725,895
68$25,829,593$10,635,371$8,078,089$22,572,408
69$28,375,974$11,068,267$8,260,468$24,599,154
70$31,179,307$11,519,596$8,446,177$26,824,262
71$34,265,713$11,990,172$8,635,240$29,267,702
72$37,663,974$12,480,849$8,827,680$31,951,471
73$41,405,808$12,992,520$9,023,516$34,899,803
74$45,526,163$13,526,115$9,222,765$38,139,393
75$50,063,547$14,082,611$9,425,444$41,699,648
76$55,060,398$14,663,027$9,631,565$45,612,967
77$60,563,473$15,268,430$9,841,137$49,915,042
78$66,624,300$15,899,936$10,054,168$54,645,194
79$73,299,657$16,558,711$10,270,661$59,846,744
80$80,652,110$17,245,976$10,490,616$65,567,420
81$88,750,604$17,963,008$10,714,031$71,859,806
82$97,671,112$18,711,141$10,940,897$78,781,838
83$107,497,351$19,491,773$11,171,203$86,397,348
84$118,321,577$20,306,366$11,404,934$94,776,665
85$130,245,447$21,156,448$11,642,069$103,997,276
86$143,380,987$22,043,618$11,882,582$114,144,561
87$157,851,643$22,969,550$12,126,444$125,312,590
88$173,793,448$23,935,996$12,373,618$137,605,013
89$191,356,307$24,944,787$12,624,061$151,136,039
90$210,705,410$25,997,841$12,877,727$166,031,506
91$232,022,790$27,097,163$13,134,558$182,430,071
92$255,509,043$28,244,853$13,394,495$200,484,517
93$281,385,222$29,443,108$13,657,467$220,363,189
94$309,894,921$30,694,226$13,923,398$242,251,587
95$341,306,573$32,000,613$14,192,203$266,354,110
96$375,915,989$33,364,789$14,463,787$292,895,984
97$414,049,144$34,789,387$14,738,047$322,125,387
98$456,065,256$36,277,167$15,014,872$354,315,786
99$502,360,180$37,831,016$15,294,138$389,768,521
100$553,370,139$39,453,956$15,575,712$428,815,643