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%16.1%
1 years$470,701$466,508$462,417$458,425$454,526$443,178
2 years$233,020$228,680$224,474$220,396$216,441$205,080
3 years$153,804$149,445$145,250$141,210$137,319$126,300
4 years$114,203$109,858$105,705$101,734$97,937$87,345
5 years$90,449$86,130$82,031$78,141$74,450$64,315
6 years$74,618$70,332$66,293$62,490$58,910$49,241
7 years$63,315$59,064$55,090$51,377$47,910$38,708
8 years$54,841$50,629$46,721$43,099$39,746$31,008
9 years$48,254$44,082$40,241$36,711$33,472$25,190
10 years$42,987$38,856$35,083$31,645$28,519$20,684
11 years$38,681$34,591$30,886$27,540$24,528$17,127
12 years$35,095$31,047$27,411$24,157$21,255$14,277
13 years$32,063$28,058$24,490$21,327$18,535$11,965
14 years$29,467$25,504$22,004$18,931$16,248$10,072
15 years$27,218$23,298$19,867$16,884$14,306$8,508
16 years$25,253$21,375$18,012$15,117$12,643$7,209
17 years$23,521$19,686$16,390$13,583$11,210$6,124
18 years$21,983$18,191$14,962$12,241$9,968$5,212
19 years$20,608$16,859$13,697$11,061$8,885$4,445
20 years$19,372$15,666$12,571$10,018$7,936$3,795
21 years$18,256$14,592$11,563$9,092$7,102$3,245
22 years$17,242$13,621$10,657$8,266$6,366$2,778
23 years$16,318$12,740$9,840$7,528$5,714$2,380
24 years$15,472$11,936$9,100$6,866$5,136$2,040
25 years$14,695$11,202$8,428$6,271$4,622$1,750
26 years$13,979$10,528$7,817$5,734$4,163$1,503
27 years$13,318$9,908$7,259$5,248$3,753$1,290
28 years$12,704$9,336$6,748$4,808$3,387$1,109
29 years$12,134$8,808$6,279$4,409$3,058$953
30 years$11,603$8,318$5,849$4,047$2,763$819
31 years$11,107$7,863$5,453$3,717$2,498$704
32 years$10,643$7,440$5,088$3,416$2,260$606
33 years$10,208$7,046$4,750$3,141$2,045$521
34 years$9,799$6,678$4,438$2,890$1,852$449
35 years$9,415$6,334$4,150$2,660$1,677$386
36 years$9,053$6,012$3,882$2,450$1,520$332
37 years$8,711$5,710$3,633$2,257$1,377$286
38 years$8,388$5,426$3,403$2,081$1,249$246
39 years$8,082$5,160$3,188$1,919$1,132$212
40 years$7,793$4,909$2,988$1,770$1,027$182
41 years$7,518$4,673$2,802$1,633$932$157
42 years$7,257$4,451$2,628$1,507$845$135
43 years$7,009$4,241$2,466$1,391$767$117
44 years$6,772$4,042$2,315$1,284$696$100
45 years$6,547$3,855$2,174$1,186$632$86
46 years$6,333$3,677$2,042$1,096$574$74
47 years$6,128$3,509$1,918$1,012$521$64
48 years$5,932$3,350$1,802$935$473$55
49 years$5,744$3,199$1,694$864$430$48
50 years$5,565$3,056$1,593$799$391$41

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 $5,996 every year, while hoping to spend $29,963 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: 35/49/16 Blend
51$5,700,000$5,700,000$5,700,000$5,700,000
52$6,287,585$5,985,485$5,897,135$6,476,468
53$6,897,038$6,246,893$6,062,808$6,875,774
54$7,567,651$6,520,106$6,233,028$7,303,076
55$8,305,631$6,805,671$6,407,914$7,763,485
56$9,117,817$7,104,160$6,587,590$8,259,952
57$10,011,743$7,416,173$6,772,183$8,795,713
58$10,995,713$7,742,337$6,961,823$9,374,315
59$12,078,875$8,083,311$7,156,644$9,999,646
60$13,271,310$8,439,783$7,356,781$10,675,972
61$14,584,125$8,812,474$7,562,375$11,407,970
62$16,029,561$9,202,140$7,773,569$12,200,774
63$17,621,103$9,609,573$7,990,511$13,060,016
64$19,373,614$10,035,600$8,213,351$13,991,879
65$21,303,468$10,481,089$8,442,244$15,003,152
66$23,428,710$10,946,951$8,677,348$16,101,287
67$25,769,224$11,434,137$8,918,824$17,294,470
68$28,346,920$11,943,645$9,166,840$18,591,692
69$31,185,942$12,476,520$9,421,566$20,002,831
70$34,312,895$13,033,856$9,683,175$21,538,740
71$37,757,095$13,616,800$9,951,846$23,211,346
72$41,550,849$14,226,554$10,227,764$25,033,756
73$45,729,756$14,864,375$10,511,114$27,020,379
74$50,333,044$15,531,582$10,802,089$29,187,056
75$55,403,941$16,229,556$11,100,885$31,551,201
76$60,990,082$16,959,744$11,407,704$34,131,964
77$67,143,961$17,723,662$11,722,753$36,950,406
78$73,923,421$18,522,898$12,046,241$40,029,689
79$81,392,206$19,359,115$12,378,386$43,395,289
80$89,620,558$20,234,059$12,719,409$47,075,232
81$98,685,881$21,149,554$13,069,535$51,100,348
82$108,673,474$22,107,515$13,428,998$55,504,561
83$119,677,333$23,109,948$13,798,034$60,325,195
84$131,801,040$24,158,954$14,176,887$65,603,321
85$145,158,738$25,256,735$14,565,805$71,384,137
86$159,876,212$26,405,598$14,965,042$77,717,388
87$176,092,073$27,607,960$15,374,859$84,657,822
88$193,959,070$28,866,356$15,795,522$92,265,699
89$213,645,527$30,183,439$16,227,304$100,607,352
90$235,336,936$31,561,992$16,670,483$109,755,802
91$259,237,705$33,004,931$17,125,346$119,791,436
92$285,573,089$34,515,311$17,592,183$130,802,752
93$314,591,315$36,096,333$18,071,293$142,887,188
94$346,565,929$37,751,353$18,562,981$156,152,025
95$381,798,372$39,483,887$19,067,558$170,715,388
96$420,620,829$41,297,621$19,585,345$186,707,349
97$463,399,367$43,196,417$20,116,667$204,271,138
98$510,537,384$45,184,324$20,661,857$223,564,484
99$562,479,425$47,265,583$21,221,257$244,761,083
100$619,715,371$49,444,641$21,795,214$268,052,227