Can I retire at age 52 with 5,500,000?

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 $5,500,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.9%
1 years$454,185$450,139$446,192$442,340$438,578$435,085
2 years$224,844$220,656$216,598$212,663$208,847$205,325
3 years$148,407$144,201$140,153$136,255$132,501$129,061
4 years$110,196$106,003$101,996$98,164$94,501$91,168
5 years$87,275$83,108$79,153$75,400$71,838$68,623
6 years$72,000$67,864$63,967$60,298$56,843$53,749
7 years$61,093$56,992$53,157$49,574$46,229$43,258
8 years$52,917$48,853$45,081$41,586$38,351$35,503
9 years$46,561$42,535$38,829$35,422$32,297$29,571
10 years$41,479$37,493$33,852$30,534$27,519$24,913
11 years$37,324$33,377$29,802$26,574$23,667$21,180
12 years$33,864$29,958$26,449$23,309$20,509$18,138
13 years$30,938$27,073$23,630$20,578$17,885$15,627
14 years$28,433$24,609$21,232$18,267$15,677$13,531
15 years$26,263$22,480$19,170$16,291$13,804$11,765
16 years$24,367$20,625$17,380$14,587$12,200$10,266
17 years$22,696$18,995$15,815$13,106$10,817$8,985
18 years$21,211$17,552$14,437$11,811$9,618$7,884
19 years$19,885$16,267$13,217$10,673$8,573$6,933
20 years$18,693$15,116$12,130$9,666$7,657$6,109
21 years$17,615$14,080$11,157$8,773$6,853$5,392
22 years$16,637$13,144$10,283$7,976$6,142$4,765
23 years$15,746$12,293$9,494$7,264$5,514$4,217
24 years$14,930$11,518$8,781$6,625$4,956$3,736
25 years$14,180$10,809$8,133$6,051$4,459$3,314
26 years$13,489$10,158$7,543$5,532$4,017$2,941
27 years$12,850$9,560$7,004$5,064$3,622$2,613
28 years$12,258$9,009$6,511$4,640$3,268$2,322
29 years$11,708$8,499$6,059$4,255$2,951$2,066
30 years$11,196$8,026$5,644$3,905$2,666$1,838
31 years$10,717$7,587$5,262$3,586$2,411$1,636
32 years$10,269$7,179$4,909$3,296$2,180$1,458
33 years$9,850$6,799$4,584$3,031$1,973$1,299
34 years$9,456$6,444$4,283$2,789$1,787$1,157
35 years$9,085$6,112$4,004$2,567$1,618$1,032
36 years$8,735$5,801$3,746$2,364$1,466$920
37 years$8,405$5,510$3,506$2,178$1,329$821
38 years$8,094$5,236$3,283$2,008$1,205$732
39 years$7,799$4,979$3,076$1,851$1,092$653
40 years$7,519$4,737$2,883$1,708$991$583
41 years$7,254$4,509$2,703$1,575$899$521
42 years$7,002$4,294$2,536$1,454$816$465
43 years$6,763$4,092$2,380$1,342$740$415
44 years$6,535$3,900$2,234$1,239$672$370
45 years$6,318$3,719$2,097$1,144$610$331
46 years$6,110$3,548$1,970$1,057$554$295
47 years$5,913$3,386$1,851$977$503$264
48 years$5,724$3,232$1,739$902$457$236
49 years$5,543$3,087$1,635$834$415$210
50 years$5,370$2,949$1,537$771$377$188

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $5,500,000, adding $2,492 every year, while hoping to spend $42,677 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: 71/10/19 Blend
51$5,500,000$5,500,000$5,500,000$5,500,000
52$6,063,570$5,772,070$5,686,820$6,466,226
53$6,636,647$6,009,494$5,831,921$6,972,026
54$7,266,746$6,257,121$5,980,452$7,520,291
55$7,959,641$6,515,406$6,132,483$8,119,496
56$8,721,688$6,784,825$6,288,086$8,774,682
57$9,559,895$7,065,876$6,447,331$9,491,396
58$10,481,980$7,359,079$6,610,292$10,275,745
59$11,496,447$7,664,979$6,777,042$11,134,457
60$12,612,666$7,984,145$6,947,655$12,074,937
61$13,840,963$8,317,173$7,122,206$13,105,340
62$15,192,713$8,664,687$7,300,772$14,234,648
63$16,680,451$9,027,337$7,483,429$15,472,751
64$18,317,987$9,405,807$7,670,254$16,830,543
65$20,120,540$9,800,810$7,861,326$18,320,021
66$22,104,879$10,213,093$8,056,724$19,954,398
67$24,289,479$10,643,438$8,256,527$21,748,230
68$26,694,701$11,092,661$8,460,815$23,717,547
69$29,342,977$11,561,618$8,669,669$25,880,007
70$32,259,028$12,051,205$8,883,171$28,255,062
71$35,470,093$12,562,358$9,101,401$30,864,139
72$39,006,188$13,096,058$9,324,443$33,730,842
73$42,900,385$13,653,331$9,552,378$36,881,172
74$47,189,130$14,235,251$9,785,289$40,343,774
75$51,912,585$14,842,941$10,023,259$44,150,204
76$57,115,001$15,477,578$10,266,371$48,335,228
77$62,845,146$16,140,393$10,514,709$52,937,146
78$69,156,754$16,832,676$10,768,354$57,998,154
79$76,109,040$17,555,774$11,027,392$63,564,740
80$83,767,255$18,311,101$11,291,903$69,688,124
81$92,203,305$19,100,134$11,561,971$76,424,736
82$101,496,422$19,924,421$11,837,677$83,836,749
83$111,733,922$20,785,582$12,119,104$91,992,666
84$123,012,020$21,685,313$12,406,332$100,967,962
85$135,436,742$22,625,390$12,699,441$110,845,797
86$149,124,928$23,607,672$12,998,510$121,717,798
87$164,205,328$24,634,106$13,303,617$133,684,923
88$180,819,823$25,706,729$13,614,840$146,858,411
89$199,124,761$26,827,675$13,932,254$161,360,832
90$219,292,435$27,999,179$14,255,932$177,327,238
91$241,512,705$29,223,581$14,585,948$194,906,442
92$265,994,795$30,503,330$14,922,371$214,262,415
93$292,969,263$31,840,992$15,265,269$235,575,834
94$322,690,182$33,239,255$15,614,710$259,045,785
95$355,437,533$34,700,931$15,970,755$284,891,639
96$391,519,852$36,228,967$16,333,466$313,355,122
97$431,277,139$37,826,449$16,702,900$344,702,593
98$475,084,072$39,496,609$17,079,111$379,227,556
99$523,353,536$41,242,831$17,462,150$417,253,427
100$576,540,528$43,068,662$17,852,064$459,136,588