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%15.2%
1 years$454,185$450,139$446,192$442,340$438,578$429,196
2 years$224,844$220,656$216,598$212,663$208,847$199,441
3 years$148,407$144,201$140,153$136,255$132,501$123,364
4 years$110,196$106,003$101,996$98,164$94,501$85,703
5 years$87,275$83,108$79,153$75,400$71,838$63,405
6 years$72,000$67,864$63,967$60,298$56,843$48,783
7 years$61,093$56,992$53,157$49,574$46,229$38,544
8 years$52,917$48,853$45,081$41,586$38,351$31,038
9 years$46,561$42,535$38,829$35,422$32,297$25,352
10 years$41,479$37,493$33,852$30,534$27,519$20,933
11 years$37,324$33,377$29,802$26,574$23,667$17,433
12 years$33,864$29,958$26,449$23,309$20,509$14,618
13 years$30,938$27,073$23,630$20,578$17,885$12,324
14 years$28,433$24,609$21,232$18,267$15,677$10,438
15 years$26,263$22,480$19,170$16,291$13,804$8,874
16 years$24,367$20,625$17,380$14,587$12,200$7,567
17 years$22,696$18,995$15,815$13,106$10,817$6,470
18 years$21,211$17,552$14,437$11,811$9,618$5,543
19 years$19,885$16,267$13,217$10,673$8,573$4,759
20 years$18,693$15,116$12,130$9,666$7,657$4,091
21 years$17,615$14,080$11,157$8,773$6,853$3,522
22 years$16,637$13,144$10,283$7,976$6,142$3,036
23 years$15,746$12,293$9,494$7,264$5,514$2,619
24 years$14,930$11,518$8,781$6,625$4,956$2,262
25 years$14,180$10,809$8,133$6,051$4,459$1,954
26 years$13,489$10,158$7,543$5,532$4,017$1,690
27 years$12,850$9,560$7,004$5,064$3,622$1,462
28 years$12,258$9,009$6,511$4,640$3,268$1,265
29 years$11,708$8,499$6,059$4,255$2,951$1,095
30 years$11,196$8,026$5,644$3,905$2,666$949
31 years$10,717$7,587$5,262$3,586$2,411$822
32 years$10,269$7,179$4,909$3,296$2,180$712
33 years$9,850$6,799$4,584$3,031$1,973$618
34 years$9,456$6,444$4,283$2,789$1,787$535
35 years$9,085$6,112$4,004$2,567$1,618$464
36 years$8,735$5,801$3,746$2,364$1,466$403
37 years$8,405$5,510$3,506$2,178$1,329$349
38 years$8,094$5,236$3,283$2,008$1,205$303
39 years$7,799$4,979$3,076$1,851$1,092$263
40 years$7,519$4,737$2,883$1,708$991$228
41 years$7,254$4,509$2,703$1,575$899$198
42 years$7,002$4,294$2,536$1,454$816$172
43 years$6,763$4,092$2,380$1,342$740$149
44 years$6,535$3,900$2,234$1,239$672$129
45 years$6,318$3,719$2,097$1,144$610$112
46 years$6,110$3,548$1,970$1,057$554$97
47 years$5,913$3,386$1,851$977$503$84
48 years$5,724$3,232$1,739$902$457$73
49 years$5,543$3,087$1,635$834$415$64
50 years$5,370$2,949$1,537$771$377$55

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 $6,806 every year, while hoping to spend $47,085 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: 30/48/22 Blend
51$5,500,000$5,500,000$5,500,000$5,500,000
52$6,068,020$5,776,520$5,691,270$6,208,274
53$6,636,860$6,009,472$5,831,830$6,549,099
54$7,262,144$6,252,260$5,975,520$6,910,834
55$7,949,579$6,505,317$6,122,396$7,299,015
56$8,705,453$6,769,094$6,272,513$7,715,959
57$9,536,694$7,044,065$6,425,927$8,164,209
58$10,450,935$7,330,722$6,582,694$8,646,549
59$11,456,586$7,629,583$6,742,870$9,166,032
60$12,562,913$7,941,188$6,906,511$9,726,007
61$13,780,124$8,266,100$7,073,674$10,330,145
62$15,119,468$8,604,911$7,244,413$10,982,475
63$16,593,339$8,958,237$7,418,787$11,687,419
64$18,215,394$9,326,724$7,596,849$12,449,830
65$20,000,678$9,711,047$7,778,658$13,275,033
66$21,965,771$10,111,912$7,964,267$14,168,880
67$24,128,942$10,530,059$8,153,732$15,137,793
68$26,510,320$10,966,258$8,347,109$16,188,829
69$29,132,087$11,421,318$8,544,450$17,329,741
70$32,018,681$11,896,084$8,745,811$18,569,046
71$35,197,034$12,391,440$8,951,243$19,916,105
72$38,696,821$12,908,310$9,160,800$21,381,206
73$42,550,742$13,447,663$9,374,532$22,975,658
74$46,794,829$14,010,509$9,592,489$24,711,895
75$51,468,785$14,597,908$9,814,722$26,603,587
76$56,616,363$15,210,967$10,041,276$28,665,767
77$62,285,773$15,850,846$10,272,200$30,914,969
78$68,530,142$16,518,756$10,507,538$33,369,377
79$75,408,009$17,215,968$10,747,334$36,048,993
80$82,983,884$17,943,809$10,991,628$38,975,822
81$91,328,852$18,703,668$11,240,459$42,174,074
82$100,521,247$19,496,999$11,493,866$45,670,386
83$110,647,386$20,325,324$11,751,883$49,494,070
84$121,802,391$21,190,236$12,014,543$53,677,382
85$134,091,078$22,093,401$12,281,873$58,255,820
86$147,628,954$23,036,564$12,553,902$63,268,457
87$162,543,302$24,021,551$12,830,653$68,758,295
88$178,974,384$25,050,271$13,112,144$74,772,673
89$197,076,764$26,124,727$13,398,394$81,363,702
90$217,020,766$27,247,011$13,689,412$88,588,747
91$238,994,085$28,419,316$13,985,208$96,510,966
92$263,203,555$29,643,935$14,285,786$105,199,894
93$289,877,100$30,923,271$14,591,143$114,732,094
94$319,265,891$32,259,838$14,901,273$125,191,866
95$351,646,711$33,656,268$15,216,164$136,672,039
96$387,324,568$35,115,319$15,535,798$149,274,832
97$426,635,579$36,639,874$15,860,152$163,112,812
98$469,950,135$38,232,955$16,189,195$178,309,947
99$517,676,405$39,897,726$16,522,889$195,002,761
100$570,264,182$41,637,499$16,861,190$213,341,614