Can I retire at age 52 with 5,600,000?

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 $5,600,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.1%
1 years$462,443$458,324$454,305$450,382$446,552$442,626
2 years$228,932$224,668$220,536$216,530$212,644$208,687
3 years$151,105$146,823$142,702$138,733$134,910$131,046
4 years$112,200$107,931$103,850$99,949$96,219$92,477
5 years$88,862$84,619$80,592$76,771$73,144$69,535
6 years$73,309$69,098$65,130$61,394$57,876$54,405
7 years$62,204$58,028$54,124$50,475$47,069$43,737
8 years$53,879$49,741$45,901$42,343$39,048$35,856
9 years$47,408$43,308$39,535$36,066$32,884$29,830
10 years$42,233$38,174$34,467$31,090$28,019$25,101
11 years$38,003$33,984$30,344$27,057$24,097$21,313
12 years$34,480$30,502$26,930$23,733$20,882$18,230
13 years$31,501$27,565$24,060$20,953$18,210$15,686
14 years$28,950$25,056$21,618$18,599$15,963$13,564
15 years$26,741$22,889$19,518$16,587$14,055$11,778
16 years$24,810$21,000$17,696$14,852$12,422$10,263
17 years$23,108$19,341$16,103$13,345$11,014$8,970
18 years$21,597$17,872$14,700$12,026$9,793$7,859
19 years$20,247$16,563$13,457$10,867$8,729$6,902
20 years$19,033$15,391$12,350$9,842$7,797$6,072
21 years$17,936$14,336$11,360$8,932$6,977$5,351
22 years$16,940$13,383$10,470$8,121$6,254$4,723
23 years$16,032$12,516$9,667$7,396$5,614$4,173
24 years$15,201$11,727$8,940$6,746$5,046$3,692
25 years$14,438$11,005$8,280$6,161$4,541$3,269
26 years$13,734$10,343$7,680$5,633$4,090$2,897
27 years$13,084$9,734$7,131$5,156$3,687$2,569
28 years$12,481$9,172$6,629$4,724$3,327$2,280
29 years$11,921$8,653$6,169$4,332$3,004$2,025
30 years$11,399$8,172$5,746$3,976$2,715$1,799
31 years$10,912$7,725$5,357$3,651$2,454$1,599
32 years$10,456$7,310$4,998$3,356$2,220$1,422
33 years$10,029$6,922$4,667$3,086$2,009$1,265
34 years$9,627$6,561$4,361$2,839$1,819$1,125
35 years$9,250$6,223$4,077$2,614$1,648$1,002
36 years$8,894$5,906$3,814$2,407$1,493$892
37 years$8,558$5,610$3,570$2,218$1,353$794
38 years$8,241$5,331$3,343$2,044$1,227$707
39 years$7,941$5,069$3,132$1,885$1,112$630
40 years$7,656$4,823$2,936$1,739$1,009$561
41 years$7,386$4,591$2,753$1,604$915$500
42 years$7,130$4,372$2,582$1,480$831$446
43 years$6,886$4,166$2,423$1,367$754$397
44 years$6,654$3,971$2,274$1,262$684$354
45 years$6,432$3,787$2,135$1,165$621$316
46 years$6,221$3,613$2,006$1,076$564$281
47 years$6,020$3,447$1,884$994$512$251
48 years$5,828$3,291$1,771$919$465$224
49 years$5,644$3,143$1,664$849$422$199
50 years$5,468$3,002$1,565$785$384$178

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $5,600,000, adding $4,758 every year, while hoping to spend $55,370 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: 65/13/22 Blend
51$5,600,000$5,600,000$5,600,000$5,600,000
52$6,176,108$5,879,308$5,792,508$6,542,357
53$6,747,158$6,108,481$5,927,644$7,018,486
54$7,374,599$6,347,027$6,065,451$7,531,935
55$8,064,125$6,595,348$6,205,960$8,091,806
56$8,822,007$6,853,863$6,349,202$8,702,658
57$9,655,158$7,123,007$6,495,206$9,369,507
58$10,571,188$7,403,239$6,644,000$10,097,875
59$11,578,487$7,695,036$6,795,611$10,893,840
60$12,686,295$7,998,895$6,950,067$11,764,098
61$13,904,794$8,315,337$7,107,390$12,716,017
62$15,245,201$8,644,907$7,267,606$13,757,713
63$16,719,876$8,988,172$7,430,736$14,898,121
64$18,342,438$9,345,727$7,596,800$16,147,082
65$20,127,891$9,718,192$7,765,817$17,515,433
66$22,092,767$10,106,215$7,937,803$19,015,109
67$24,255,284$10,510,473$8,112,774$20,659,254
68$26,635,512$10,931,676$8,290,741$22,462,345
69$29,255,569$11,370,563$8,471,716$24,440,327
70$32,139,824$11,827,907$8,655,704$26,610,764
71$35,315,128$12,304,516$8,842,713$28,993,001
72$38,811,070$12,801,237$9,032,743$31,608,349
73$42,660,253$13,318,951$9,225,793$34,480,281
74$46,898,602$13,858,583$9,421,860$37,634,656
75$51,565,703$14,421,097$9,620,936$41,099,959
76$56,705,176$15,007,503$9,823,010$44,907,572
77$62,365,089$15,618,855$10,028,065$49,092,064
78$68,598,407$16,256,257$10,236,084$53,691,522
79$75,463,493$16,920,863$10,447,042$58,747,903
80$83,024,662$17,613,878$10,660,910$64,307,435
81$91,352,782$18,336,563$10,877,656$70,421,045
82$100,525,949$19,090,237$11,097,240$77,144,843
83$110,630,216$19,876,279$11,319,618$84,540,650
84$121,760,414$20,696,133$11,544,741$92,676,577
85$134,021,038$21,551,305$11,772,551$101,627,667
86$147,527,239$22,443,374$12,002,987$111,476,605
87$162,405,908$23,373,990$12,235,978$122,314,493
88$178,796,875$24,344,880$12,471,447$134,241,708
89$196,854,225$25,357,848$12,709,310$147,368,849
90$216,747,758$26,414,784$12,949,473$161,817,780
91$238,664,584$27,517,664$13,191,836$177,722,776
92$262,810,896$28,668,554$13,436,287$195,231,790
93$289,413,912$29,869,617$13,682,706$214,507,846
94$318,724,019$31,123,116$13,930,965$235,730,575
95$351,017,138$32,431,418$14,180,921$259,097,911
96$386,597,328$33,796,999$14,432,424$284,827,957
97$425,799,655$35,222,452$14,685,310$313,161,035
98$468,993,357$36,710,489$14,939,405$344,361,962
99$516,585,322$38,263,946$15,194,518$378,722,537
100$569,023,940$39,885,794$15,450,449$416,564,299