Can I retire at age 52 with 5,700,000?

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 $5,700,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.1%
1 years$470,701$466,508$462,417$458,425$454,526$448,660
2 years$233,020$228,680$224,474$220,396$216,441$210,540
3 years$153,804$149,445$145,250$141,210$137,319$131,566
4 years$114,203$109,858$105,705$101,734$97,937$92,376
5 years$90,449$86,130$82,031$78,141$74,450$69,098
6 years$74,618$70,332$66,293$62,490$58,910$53,772
7 years$63,315$59,064$55,090$51,377$47,910$42,988
8 years$54,841$50,629$46,721$43,099$39,746$35,041
9 years$48,254$44,082$40,241$36,711$33,472$28,981
10 years$42,987$38,856$35,083$31,645$28,519$24,240
11 years$38,681$34,591$30,886$27,540$24,528$20,455
12 years$35,095$31,047$27,411$24,157$21,255$17,385
13 years$32,063$28,058$24,490$21,327$18,535$14,862
14 years$29,467$25,504$22,004$18,931$16,248$12,767
15 years$27,218$23,298$19,867$16,884$14,306$11,011
16 years$25,253$21,375$18,012$15,117$12,643$9,529
17 years$23,521$19,686$16,390$13,583$11,210$8,270
18 years$21,983$18,191$14,962$12,241$9,968$7,195
19 years$20,608$16,859$13,697$11,061$8,885$6,272
20 years$19,372$15,666$12,571$10,018$7,936$5,478
21 years$18,256$14,592$11,563$9,092$7,102$4,792
22 years$17,242$13,621$10,657$8,266$6,366$4,197
23 years$16,318$12,740$9,840$7,528$5,714$3,681
24 years$15,472$11,936$9,100$6,866$5,136$3,231
25 years$14,695$11,202$8,428$6,271$4,622$2,839
26 years$13,979$10,528$7,817$5,734$4,163$2,496
27 years$13,318$9,908$7,259$5,248$3,753$2,196
28 years$12,704$9,336$6,748$4,808$3,387$1,933
29 years$12,134$8,808$6,279$4,409$3,058$1,703
30 years$11,603$8,318$5,849$4,047$2,763$1,501
31 years$11,107$7,863$5,453$3,717$2,498$1,323
32 years$10,643$7,440$5,088$3,416$2,260$1,167
33 years$10,208$7,046$4,750$3,141$2,045$1,029
34 years$9,799$6,678$4,438$2,890$1,852$908
35 years$9,415$6,334$4,150$2,660$1,677$801
36 years$9,053$6,012$3,882$2,450$1,520$708
37 years$8,711$5,710$3,633$2,257$1,377$625
38 years$8,388$5,426$3,403$2,081$1,249$552
39 years$8,082$5,160$3,188$1,919$1,132$487
40 years$7,793$4,909$2,988$1,770$1,027$430
41 years$7,518$4,673$2,802$1,633$932$380
42 years$7,257$4,451$2,628$1,507$845$336
43 years$7,009$4,241$2,466$1,391$767$297
44 years$6,772$4,042$2,315$1,284$696$262
45 years$6,547$3,855$2,174$1,186$632$232
46 years$6,333$3,677$2,042$1,096$574$205
47 years$6,128$3,509$1,918$1,012$521$181
48 years$5,932$3,350$1,802$935$473$160
49 years$5,744$3,199$1,694$864$430$141
50 years$5,565$3,056$1,593$799$391$125

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $5,700,000, adding $4,682 every year, while hoping to spend $49,359 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: 82/13/5 Blend
51$5,700,000$5,700,000$5,700,000$5,700,000
52$6,286,229$5,984,129$5,895,779$6,800,766
53$6,874,907$6,224,834$6,040,771$7,378,294
54$7,521,976$6,475,679$6,188,964$8,005,028
55$8,233,339$6,737,109$6,340,416$8,691,478
56$9,015,501$7,009,589$6,495,182$9,443,588
57$9,875,628$7,293,605$6,653,316$10,267,903
58$10,821,616$7,589,665$6,814,876$11,171,629
59$11,862,162$7,898,299$6,979,915$12,162,702
60$13,006,851$8,220,065$7,148,491$13,249,862
61$14,266,243$8,555,541$7,320,659$14,442,733
62$15,651,973$8,905,336$7,496,474$15,751,915
63$17,176,860$9,270,083$7,675,992$17,189,082
64$18,855,030$9,650,448$7,859,268$18,767,091
65$20,702,046$10,047,123$8,046,357$20,500,105
66$22,735,058$10,460,835$8,237,313$22,403,722
67$24,972,962$10,892,344$8,432,190$24,495,123
68$27,436,577$11,342,442$8,631,042$26,793,234
69$30,148,848$11,811,961$8,833,922$29,318,904
70$33,135,052$12,301,769$9,040,880$32,095,096
71$36,423,047$12,812,776$9,251,969$35,147,111
72$40,043,526$13,345,930$9,467,238$38,502,816
73$44,030,312$13,902,226$9,686,737$42,192,913
74$48,420,674$14,482,706$9,910,513$46,251,225
75$53,255,680$15,088,455$10,138,612$50,715,014
76$58,580,583$15,720,614$10,371,079$55,625,330
77$64,445,251$16,380,372$10,607,959$61,027,400
78$70,904,632$17,068,976$10,849,291$66,971,050
79$78,019,278$17,787,729$11,095,116$73,511,178
80$85,855,913$18,537,996$11,345,470$80,708,265
81$94,488,062$19,321,204$11,600,390$88,628,950
82$103,996,748$20,138,847$11,859,907$97,346,653
83$114,471,254$20,992,488$12,124,052$106,942,269
84$126,009,965$21,883,763$12,392,850$117,504,928
85$138,721,298$22,814,384$12,666,327$129,132,834
86$152,724,723$23,786,142$12,944,502$141,934,192
87$168,151,895$24,800,912$13,227,393$156,028,225
88$185,147,889$25,860,658$13,515,011$171,546,301
89$203,872,576$26,967,433$13,807,367$188,633,165
90$224,502,129$28,123,387$14,104,463$207,448,307
91$247,230,684$29,330,772$14,406,301$228,167,466
92$272,272,177$30,591,942$14,712,875$250,984,281
93$299,862,356$31,909,365$15,024,174$276,112,122
94$330,261,014$33,285,621$15,340,181$303,786,100
95$363,754,435$34,723,414$15,660,875$334,265,280
96$400,658,100$36,225,573$15,986,226$367,835,126
97$441,319,660$37,795,060$16,316,199$404,810,197
98$486,122,224$39,434,977$16,650,750$445,537,103
99$535,487,970$41,148,570$16,989,830$490,397,783
100$589,882,133$42,939,240$17,333,379$539,813,102