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%13.7%
1 years$478,959$474,692$470,530$466,467$462,500$455,401
2 years$237,108$232,692$228,413$224,263$220,238$213,103
3 years$156,502$152,067$147,798$143,688$139,728$132,779
4 years$116,207$111,785$107,559$103,519$99,655$92,946
5 years$92,036$87,641$83,470$79,512$75,756$69,306
6 years$75,927$71,566$67,456$63,587$59,943$53,759
7 years$64,426$60,101$56,057$52,278$48,750$42,834
8 years$55,803$51,517$47,540$43,855$40,443$34,795
9 years$49,101$44,855$40,947$37,355$34,059$28,675
10 years$43,742$39,538$35,698$32,200$29,020$23,897
11 years$39,360$35,198$31,428$28,024$24,958$20,090
12 years$35,711$31,592$27,892$24,580$21,628$17,010
13 years$32,626$28,550$24,919$21,701$18,860$14,484
14 years$29,984$25,951$22,390$19,264$16,533$12,392
15 years$27,696$23,707$20,215$17,180$14,557$10,644
16 years$25,696$21,750$18,328$15,383$12,865$9,173
17 years$23,933$20,031$16,678$13,821$11,407$7,927
18 years$22,368$18,510$15,225$12,456$10,143$6,867
19 years$20,970$17,155$13,938$11,255$9,040$5,961
20 years$19,712$15,941$12,791$10,193$8,075$5,183
21 years$18,576$14,848$11,765$9,251$7,226$4,513
22 years$17,545$13,860$10,844$8,411$6,477$3,935
23 years$16,605$12,963$10,012$7,660$5,814$3,435
24 years$15,744$12,146$9,260$6,987$5,226$3,001
25 years$14,953$11,398$8,576$6,381$4,703$2,624
26 years$14,225$10,713$7,954$5,834$4,236$2,296
27 years$13,551$10,082$7,386$5,340$3,819$2,011
28 years$12,927$9,500$6,866$4,893$3,446$1,762
29 years$12,347$8,962$6,390$4,487$3,112$1,544
30 years$11,806$8,464$5,952$4,118$2,812$1,354
31 years$11,302$8,001$5,549$3,782$2,542$1,188
32 years$10,830$7,571$5,177$3,476$2,299$1,042
33 years$10,387$7,170$4,834$3,196$2,081$915
34 years$9,971$6,795$4,516$2,941$1,884$803
35 years$9,580$6,445$4,222$2,707$1,706$705
36 years$9,212$6,117$3,950$2,493$1,546$619
37 years$8,864$5,810$3,697$2,297$1,401$544
38 years$8,535$5,522$3,462$2,117$1,270$478
39 years$8,224$5,250$3,244$1,952$1,152$420
40 years$7,930$4,995$3,040$1,801$1,045$369
41 years$7,650$4,755$2,851$1,661$948$324
42 years$7,384$4,529$2,674$1,533$860$285
43 years$7,132$4,315$2,509$1,415$781$251
44 years$6,891$4,113$2,355$1,307$709$220
45 years$6,662$3,922$2,212$1,207$643$194
46 years$6,444$3,742$2,077$1,115$584$170
47 years$6,235$3,571$1,952$1,030$530$150
48 years$6,036$3,409$1,834$952$482$132
49 years$5,845$3,255$1,724$880$437$116
50 years$5,663$3,109$1,621$813$397$102

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 $2,891 every year, while hoping to spend $33,440 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: 47/48/5 Blend
51$5,800,000$5,800,000$5,800,000$5,800,000
52$6,394,582$6,087,182$5,997,282$6,686,719
53$7,011,250$6,349,874$6,162,611$7,149,750
54$7,689,696$6,624,317$6,332,358$7,648,186
55$8,436,189$6,911,052$6,506,635$8,188,291
56$9,257,631$7,210,644$6,685,558$8,773,933
57$10,161,630$7,523,687$6,869,245$9,409,355
58$11,156,568$7,850,799$7,057,817$10,099,218
59$12,251,681$8,192,632$7,251,397$10,848,640
60$13,457,146$8,549,864$7,450,112$11,663,239
61$14,784,175$8,923,208$7,654,091$12,549,189
62$16,245,125$9,313,409$7,863,468$13,513,273
63$17,853,611$9,721,249$8,078,376$14,562,941
64$19,624,633$10,147,544$8,298,956$15,706,383
65$21,574,724$10,593,152$8,525,349$16,952,599
66$23,722,097$11,058,968$8,757,700$18,311,483
67$26,086,826$11,545,932$8,996,158$19,793,912
68$28,691,026$12,055,027$9,240,873$21,411,843
69$31,559,071$12,587,283$9,492,002$23,178,427
70$34,717,815$13,143,779$9,749,703$25,108,125
71$38,196,852$13,725,644$10,014,138$27,216,842
72$42,028,792$14,334,062$10,285,473$29,522,072
73$46,249,570$14,970,272$10,563,877$32,043,060
74$50,898,783$15,635,572$10,849,524$34,800,979
75$56,020,066$16,331,322$11,142,591$37,819,122
76$61,661,503$17,058,947$11,443,257$41,123,120
77$67,876,078$17,819,938$11,751,709$44,741,179
78$74,722,182$18,615,859$12,068,135$48,704,335
79$82,264,154$19,448,346$12,392,727$53,046,749
80$90,572,898$20,319,114$12,725,683$57,806,018
81$99,726,543$21,229,961$13,067,204$63,023,525
82$109,811,190$22,182,768$13,417,494$68,744,821
83$120,921,716$23,179,508$13,776,765$75,020,052
84$133,162,674$24,222,247$14,145,229$81,904,421
85$146,649,278$25,313,148$14,523,106$89,458,705
86$161,508,492$26,454,480$14,910,617$97,749,815
87$177,880,227$27,648,619$15,307,992$106,851,427
88$195,918,661$28,898,052$15,715,461$116,844,660
89$215,793,698$30,205,390$16,133,262$127,818,840
90$237,692,565$31,573,364$16,561,636$139,872,328
91$261,821,586$33,004,839$17,000,831$153,113,442
92$288,408,125$34,502,813$17,451,096$167,661,468
93$317,702,734$36,070,431$17,912,688$183,647,773
94$349,981,519$37,710,988$18,385,868$201,217,035
95$385,548,742$39,427,934$18,870,903$220,528,596
96$424,739,699$41,224,888$19,368,063$241,757,954
97$467,923,880$43,105,640$19,877,626$265,098,408
98$515,508,461$45,074,161$20,399,871$290,762,863
99$567,942,144$47,134,615$20,935,087$318,985,833
100$625,719,395$49,291,364$21,483,565$350,025,633