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%11.4%
1 years$462,443$458,324$454,305$450,382$446,552$443,924
2 years$228,932$224,668$220,536$216,530$212,644$209,992
3 years$151,105$146,823$142,702$138,733$134,910$132,317
4 years$112,200$107,931$103,850$99,949$96,219$93,705
5 years$88,862$84,619$80,592$76,771$73,144$70,716
6 years$73,309$69,098$65,130$61,394$57,876$55,538
7 years$62,204$58,028$54,124$50,475$47,069$44,821
8 years$53,879$49,741$45,901$42,343$39,048$36,891
9 years$47,408$43,308$39,535$36,066$32,884$30,817
10 years$42,233$38,174$34,467$31,090$28,019$26,040
11 years$38,003$33,984$30,344$27,057$24,097$22,206
12 years$34,480$30,502$26,930$23,733$20,882$19,077
13 years$31,501$27,565$24,060$20,953$18,210$16,489
14 years$28,950$25,056$21,618$18,599$15,963$14,324
15 years$26,741$22,889$19,518$16,587$14,055$12,496
16 years$24,810$21,000$17,696$14,852$12,422$10,941
17 years$23,108$19,341$16,103$13,345$11,014$9,609
18 years$21,597$17,872$14,700$12,026$9,793$8,461
19 years$20,247$16,563$13,457$10,867$8,729$7,467
20 years$19,033$15,391$12,350$9,842$7,797$6,604
21 years$17,936$14,336$11,360$8,932$6,977$5,850
22 years$16,940$13,383$10,470$8,121$6,254$5,190
23 years$16,032$12,516$9,667$7,396$5,614$4,610
24 years$15,201$11,727$8,940$6,746$5,046$4,100
25 years$14,438$11,005$8,280$6,161$4,541$3,650
26 years$13,734$10,343$7,680$5,633$4,090$3,253
27 years$13,084$9,734$7,131$5,156$3,687$2,901
28 years$12,481$9,172$6,629$4,724$3,327$2,589
29 years$11,921$8,653$6,169$4,332$3,004$2,312
30 years$11,399$8,172$5,746$3,976$2,715$2,066
31 years$10,912$7,725$5,357$3,651$2,454$1,846
32 years$10,456$7,310$4,998$3,356$2,220$1,651
33 years$10,029$6,922$4,667$3,086$2,009$1,477
34 years$9,627$6,561$4,361$2,839$1,819$1,322
35 years$9,250$6,223$4,077$2,614$1,648$1,184
36 years$8,894$5,906$3,814$2,407$1,493$1,060
37 years$8,558$5,610$3,570$2,218$1,353$950
38 years$8,241$5,331$3,343$2,044$1,227$851
39 years$7,941$5,069$3,132$1,885$1,112$762
40 years$7,656$4,823$2,936$1,739$1,009$683
41 years$7,386$4,591$2,753$1,604$915$613
42 years$7,130$4,372$2,582$1,480$831$549
43 years$6,886$4,166$2,423$1,367$754$492
44 years$6,654$3,971$2,274$1,262$684$442
45 years$6,432$3,787$2,135$1,165$621$396
46 years$6,221$3,613$2,006$1,076$564$355
47 years$6,020$3,447$1,884$994$512$319
48 years$5,828$3,291$1,771$919$465$286
49 years$5,644$3,143$1,664$849$422$256
50 years$5,468$3,002$1,565$785$384$230

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 $2,204 every year, while hoping to spend $31,126 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: 69/9/22 Blend
51$5,600,000$5,600,000$5,600,000$5,600,000
52$6,173,473$5,876,673$5,789,873$6,565,259
53$6,770,050$6,131,513$5,950,716$7,082,422
54$7,426,434$6,397,796$6,115,904$7,644,308
55$8,148,693$6,676,051$6,285,550$8,258,430
56$8,943,513$6,966,830$6,459,769$8,929,951
57$9,818,259$7,270,713$6,638,679$9,664,553
58$10,781,048$7,588,305$6,822,402$10,468,492
59$11,840,824$7,920,240$7,011,061$11,348,658
60$13,007,440$8,267,184$7,204,784$12,312,635
61$14,291,755$8,629,832$7,403,700$13,368,774
62$15,705,734$9,008,913$7,607,943$14,526,272
63$17,262,558$9,405,190$7,817,649$15,795,257
64$18,976,757$9,819,462$8,032,958$17,186,883
65$20,864,336$10,252,565$8,254,012$18,713,431
66$22,942,935$10,705,378$8,480,958$20,388,431
67$25,231,989$11,178,816$8,713,946$22,226,782
68$27,752,917$11,673,843$8,953,128$24,244,896
69$30,529,318$12,191,465$9,198,661$26,460,848
70$33,587,199$12,732,737$9,450,706$28,894,549
71$36,955,216$13,298,764$9,709,428$31,567,931
72$40,664,948$13,890,703$9,974,993$34,505,154
73$44,751,192$14,509,767$10,247,574$37,732,829
74$49,252,292$15,157,224$10,527,347$41,280,274
75$54,210,505$15,834,407$10,814,492$45,179,784
76$59,672,390$16,542,707$11,109,192$49,466,939
77$65,689,260$17,283,585$11,411,635$54,180,934
78$72,317,654$18,058,570$11,722,014$59,364,950
79$79,619,879$18,869,265$12,040,526$65,066,559
80$87,664,594$19,717,346$12,367,372$71,338,174
81$96,527,460$20,604,574$12,702,756$78,237,538
82$106,291,853$21,532,790$13,046,890$85,828,269
83$117,049,649$22,503,923$13,399,988$94,180,462
84$128,902,095$23,519,998$13,762,270$103,371,342
85$141,960,762$24,583,131$14,133,959$113,485,997
86$156,348,599$25,695,544$14,515,286$124,618,177
87$172,201,092$26,859,561$14,906,484$136,871,176
88$189,667,545$28,077,622$15,307,793$150,358,806
89$208,912,488$29,352,278$15,719,457$165,206,469
90$230,117,228$30,686,206$16,141,725$181,552,339
91$253,481,565$32,082,210$16,574,853$199,548,661
92$279,225,675$33,543,229$17,019,101$219,363,189
93$307,592,187$35,072,340$17,474,734$241,180,765
94$338,848,477$36,672,771$17,942,024$265,205,063
95$373,289,187$38,347,902$18,421,247$291,660,506
96$411,239,012$40,101,278$18,912,687$320,794,384
97$453,055,761$41,936,609$19,416,631$352,879,184
98$499,133,734$43,857,789$19,933,374$388,215,160
99$549,907,449$45,868,895$20,463,216$427,133,162
100$605,855,738$47,974,200$21,006,463$469,997,759