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%16.5%
1 years$478,959$474,692$470,530$466,467$462,500$450,224
2 years$237,108$232,692$228,413$224,263$220,238$207,956
3 years$156,502$152,067$147,798$143,688$139,728$127,824
4 years$116,207$111,785$107,559$103,519$99,655$88,220
5 years$92,036$87,641$83,470$79,512$75,756$64,823
6 years$75,927$71,566$67,456$63,587$59,943$49,522
7 years$64,426$60,101$56,057$52,278$48,750$38,841
8 years$55,803$51,517$47,540$43,855$40,443$31,041
9 years$49,101$44,855$40,947$37,355$34,059$25,156
10 years$43,742$39,538$35,698$32,200$29,020$20,605
11 years$39,360$35,198$31,428$28,024$24,958$17,018
12 years$35,711$31,592$27,892$24,580$21,628$14,149
13 years$32,626$28,550$24,919$21,701$18,860$11,826
14 years$29,984$25,951$22,390$19,264$16,533$9,927
15 years$27,696$23,707$20,215$17,180$14,557$8,363
16 years$25,696$21,750$18,328$15,383$12,865$7,066
17 years$23,933$20,031$16,678$13,821$11,407$5,984
18 years$22,368$18,510$15,225$12,456$10,143$5,079
19 years$20,970$17,155$13,938$11,255$9,040$4,318
20 years$19,712$15,941$12,791$10,193$8,075$3,676
21 years$18,576$14,848$11,765$9,251$7,226$3,133
22 years$17,545$13,860$10,844$8,411$6,477$2,674
23 years$16,605$12,963$10,012$7,660$5,814$2,283
24 years$15,744$12,146$9,260$6,987$5,226$1,951
25 years$14,953$11,398$8,576$6,381$4,703$1,669
26 years$14,225$10,713$7,954$5,834$4,236$1,428
27 years$13,551$10,082$7,386$5,340$3,819$1,222
28 years$12,927$9,500$6,866$4,893$3,446$1,047
29 years$12,347$8,962$6,390$4,487$3,112$897
30 years$11,806$8,464$5,952$4,118$2,812$768
31 years$11,302$8,001$5,549$3,782$2,542$659
32 years$10,830$7,571$5,177$3,476$2,299$565
33 years$10,387$7,170$4,834$3,196$2,081$484
34 years$9,971$6,795$4,516$2,941$1,884$415
35 years$9,580$6,445$4,222$2,707$1,706$356
36 years$9,212$6,117$3,950$2,493$1,546$305
37 years$8,864$5,810$3,697$2,297$1,401$262
38 years$8,535$5,522$3,462$2,117$1,270$225
39 years$8,224$5,250$3,244$1,952$1,152$193
40 years$7,930$4,995$3,040$1,801$1,045$166
41 years$7,650$4,755$2,851$1,661$948$142
42 years$7,384$4,529$2,674$1,533$860$122
43 years$7,132$4,315$2,509$1,415$781$105
44 years$6,891$4,113$2,355$1,307$709$90
45 years$6,662$3,922$2,212$1,207$643$77
46 years$6,444$3,742$2,077$1,115$584$66
47 years$6,235$3,571$1,952$1,030$530$57
48 years$6,036$3,409$1,834$952$482$49
49 years$5,845$3,255$1,724$880$437$42
50 years$5,663$3,109$1,621$813$397$36

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 $2,590 every year, while hoping to spend $27,105 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: 69/12/19 Blend
51$5,800,000$5,800,000$5,800,000$5,800,000
52$6,394,272$6,086,872$5,996,972$6,805,666
53$7,017,648$6,356,289$6,169,031$7,349,973
54$7,703,700$6,637,999$6,345,945$7,941,910
55$8,458,792$6,932,576$6,527,849$8,588,946
56$9,289,937$7,240,621$6,714,881$9,296,515
57$10,204,862$7,562,762$6,907,181$10,070,600
58$11,212,081$7,899,661$7,104,894$10,917,787
59$12,320,976$8,252,006$7,308,170$11,845,325
60$13,541,883$8,620,522$7,517,162$12,861,197
61$14,886,195$9,005,967$7,732,026$13,974,189
62$16,366,461$9,409,134$7,952,924$15,193,978
63$17,996,514$9,830,856$8,180,021$16,531,217
64$19,791,594$10,272,003$8,413,486$17,997,638
65$21,768,494$10,733,489$8,653,496$19,606,160
66$23,945,720$11,216,269$8,900,227$21,371,009
67$26,343,663$11,721,346$9,153,864$23,307,854
68$28,984,794$12,249,769$9,414,596$25,433,950
69$31,893,874$12,802,639$9,682,616$27,768,301
70$35,098,188$13,381,107$9,958,122$30,331,837
71$38,627,802$13,986,381$10,241,319$33,147,615
72$42,515,850$14,619,725$10,532,415$36,241,026
73$46,798,841$15,282,466$10,831,626$39,640,043
74$51,517,008$15,975,992$11,139,170$43,375,474
75$56,714,686$16,701,758$11,455,275$47,481,259
76$62,440,729$17,461,290$11,780,172$51,994,785
77$68,748,975$18,256,185$12,114,100$56,957,235
78$75,698,749$19,088,117$12,457,301$62,413,979
79$83,355,429$19,958,841$12,810,027$68,414,998
80$91,791,054$20,870,197$13,172,535$75,015,352
81$101,085,015$21,824,109$13,545,088$82,275,702
82$111,324,795$22,822,599$13,927,957$90,262,877
83$122,606,799$23,867,781$14,321,419$99,050,501
84$135,037,264$24,961,875$14,725,758$108,719,691
85$148,733,261$26,107,202$15,141,267$119,359,815
86$163,823,798$27,306,200$15,568,244$131,069,334
87$180,451,043$28,561,421$16,006,997$143,956,729
88$198,771,658$29,875,539$16,457,841$158,141,526
89$218,958,287$31,251,360$16,921,098$173,755,412
90$241,201,177$32,691,822$17,397,099$190,943,486
91$265,709,980$34,200,004$17,886,185$209,865,615
92$292,715,729$35,779,135$18,388,703$230,697,948
93$322,473,019$37,432,598$18,905,011$253,634,571
94$355,262,411$39,163,940$19,435,473$278,889,334
95$391,393,082$40,976,878$19,980,466$306,697,872
96$431,205,739$42,875,308$20,540,375$337,319,817
97$475,075,840$44,863,314$21,115,593$371,041,252
98$523,417,136$46,945,176$21,706,525$408,177,403
99$576,685,575$49,125,381$22,313,585$449,075,612
100$635,383,612$51,408,634$22,937,199$494,118,610