Can I retire at age 52 with 5,800,000?

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 $5,800,000?

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$478,959$474,692$470,530$466,467$462,500$450,953
2 years$237,108$232,692$228,413$224,263$220,238$208,678
3 years$156,502$152,067$147,798$143,688$139,728$128,516
4 years$116,207$111,785$107,559$103,519$99,655$88,878
5 years$92,036$87,641$83,470$79,512$75,756$65,443
6 years$75,927$71,566$67,456$63,587$59,943$50,105
7 years$64,426$60,101$56,057$52,278$48,750$39,387
8 years$55,803$51,517$47,540$43,855$40,443$31,552
9 years$49,101$44,855$40,947$37,355$34,059$25,632
10 years$43,742$39,538$35,698$32,200$29,020$21,047
11 years$39,360$35,198$31,428$28,024$24,958$17,428
12 years$35,711$31,592$27,892$24,580$21,628$14,527
13 years$32,626$28,550$24,919$21,701$18,860$12,175
14 years$29,984$25,951$22,390$19,264$16,533$10,248
15 years$27,696$23,707$20,215$17,180$14,557$8,658
16 years$25,696$21,750$18,328$15,383$12,865$7,336
17 years$23,933$20,031$16,678$13,821$11,407$6,231
18 years$22,368$18,510$15,225$12,456$10,143$5,304
19 years$20,970$17,155$13,938$11,255$9,040$4,523
20 years$19,712$15,941$12,791$10,193$8,075$3,862
21 years$18,576$14,848$11,765$9,251$7,226$3,302
22 years$17,545$13,860$10,844$8,411$6,477$2,826
23 years$16,605$12,963$10,012$7,660$5,814$2,421
24 years$15,744$12,146$9,260$6,987$5,226$2,076
25 years$14,953$11,398$8,576$6,381$4,703$1,781
26 years$14,225$10,713$7,954$5,834$4,236$1,529
27 years$13,551$10,082$7,386$5,340$3,819$1,313
28 years$12,927$9,500$6,866$4,893$3,446$1,128
29 years$12,347$8,962$6,390$4,487$3,112$970
30 years$11,806$8,464$5,952$4,118$2,812$834
31 years$11,302$8,001$5,549$3,782$2,542$717
32 years$10,830$7,571$5,177$3,476$2,299$617
33 years$10,387$7,170$4,834$3,196$2,081$530
34 years$9,971$6,795$4,516$2,941$1,884$456
35 years$9,580$6,445$4,222$2,707$1,706$393
36 years$9,212$6,117$3,950$2,493$1,546$338
37 years$8,864$5,810$3,697$2,297$1,401$291
38 years$8,535$5,522$3,462$2,117$1,270$251
39 years$8,224$5,250$3,244$1,952$1,152$216
40 years$7,930$4,995$3,040$1,801$1,045$186
41 years$7,650$4,755$2,851$1,661$948$160
42 years$7,384$4,529$2,674$1,533$860$138
43 years$7,132$4,315$2,509$1,415$781$119
44 years$6,891$4,113$2,355$1,307$709$102
45 years$6,662$3,922$2,212$1,207$643$88
46 years$6,444$3,742$2,077$1,115$584$76
47 years$6,235$3,571$1,952$1,030$530$65
48 years$6,036$3,409$1,834$952$482$56
49 years$5,845$3,255$1,724$880$437$48
50 years$5,663$3,109$1,621$813$397$42

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $5,800,000, adding $6,731 every year, while hoping to spend $35,151 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: 55/29/16 Blend
51$5,800,000$5,800,000$5,800,000$5,800,000
52$6,398,543$6,091,143$6,001,243$6,722,984
53$7,013,794$6,352,209$6,164,884$7,205,721
54$7,690,623$6,624,888$6,332,829$7,726,759
55$8,435,272$6,909,714$6,505,185$8,293,331
56$9,254,623$7,207,243$6,682,062$8,909,794
57$10,156,254$7,518,058$6,863,571$9,580,938
58$11,148,518$7,842,769$7,049,826$10,312,030
59$12,240,617$8,182,015$7,240,946$11,108,861
60$13,442,692$8,536,464$7,437,049$11,977,800
61$14,765,914$8,906,819$7,638,258$12,925,853
62$16,222,594$9,293,811$7,844,697$13,960,725
63$17,826,299$9,698,207$8,056,494$15,090,893
64$19,591,975$10,120,813$8,273,781$16,325,682
65$21,536,094$10,562,470$8,496,689$17,675,354
66$23,676,802$11,024,058$8,725,355$19,151,199
67$26,034,100$11,506,501$8,959,919$20,765,642
68$28,630,024$12,010,765$9,200,522$22,532,357
69$31,488,856$12,537,862$9,447,309$24,466,394
70$34,637,354$13,088,852$9,700,428$26,584,318
71$38,105,003$13,664,844$9,960,031$28,904,361
72$41,924,292$14,267,001$10,226,271$31,446,596
73$46,131,026$14,896,540$10,499,307$34,233,119
74$50,764,656$15,554,735$10,779,299$37,288,257
75$55,868,656$16,242,923$11,066,411$40,638,793
76$61,490,934$16,962,501$11,360,811$44,314,217
77$67,684,280$17,714,934$11,662,668$48,346,998
78$74,506,867$18,501,756$11,972,158$52,772,892
79$82,022,799$19,324,575$12,289,458$57,631,271
80$90,302,719$20,185,073$12,614,749$62,965,492
81$99,424,468$21,085,013$12,948,215$68,823,303
82$109,473,828$22,026,243$13,290,044$75,257,289
83$120,545,327$23,010,697$13,640,429$82,325,364
84$132,743,131$24,040,403$13,999,564$90,091,313
85$146,182,031$25,117,482$14,367,650$98,625,388
86$160,988,519$26,244,160$14,744,888$108,004,968
87$177,301,991$27,422,767$15,131,484$118,315,283
88$195,276,056$28,655,744$15,527,651$129,650,213
89$215,079,986$29,945,649$15,933,600$142,113,169
90$236,900,320$31,295,161$16,349,550$155,818,062
91$260,942,616$32,707,087$16,775,724$170,890,373
92$287,433,398$34,184,369$17,212,346$187,468,329
93$316,622,291$35,730,089$17,659,645$205,704,205
94$348,784,377$37,347,476$18,117,856$225,765,749
95$384,222,794$39,039,914$18,587,215$247,837,761
96$423,271,596$40,810,946$19,067,964$272,123,830
97$466,298,905$42,664,289$19,560,347$298,848,246
98$513,710,388$44,603,834$20,064,613$328,258,110
99$565,953,086$46,633,660$20,581,016$360,625,655
100$623,519,633$48,758,041$21,109,812$396,250,809