Can I retire at age 52 with 5,900,000?

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 $5,900,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.3%
1 years$487,216$482,877$478,642$474,510$470,474$464,018
2 years$241,196$236,704$232,351$228,130$224,035$217,543
3 years$159,200$154,689$150,346$146,165$142,137$135,809
4 years$118,210$113,713$109,414$105,304$101,373$95,259
5 years$93,623$89,152$84,909$80,883$77,063$71,180
6 years$77,236$72,799$68,619$64,683$60,977$55,333
7 years$65,536$61,137$57,023$53,179$49,591$44,187
8 years$56,765$52,406$48,360$44,611$41,140$35,976
9 years$49,947$45,628$41,653$37,999$34,646$29,719
10 years$44,496$40,219$36,314$32,755$29,520$24,827
11 years$40,038$35,805$31,970$28,507$25,388$20,925
12 years$36,327$32,136$28,373$25,004$22,001$17,761
13 years$33,188$29,042$25,349$22,075$19,185$15,164
14 years$30,501$26,398$22,776$19,596$16,818$13,009
15 years$28,174$24,115$20,564$17,476$14,808$11,204
16 years$26,139$22,125$18,644$15,648$13,087$9,683
17 years$24,346$20,377$16,965$14,059$11,604$8,392
18 years$22,754$18,829$15,487$12,670$10,318$7,290
19 years$21,331$17,450$14,178$11,449$9,196$6,346
20 years$20,052$16,216$13,012$10,369$8,214$5,535
21 years$18,897$15,104$11,968$9,411$7,351$4,834
22 years$17,847$14,099$11,031$8,556$6,589$4,228
23 years$16,891$13,187$10,185$7,792$5,915$3,702
24 years$16,015$12,355$9,419$7,107$5,316$3,244
25 years$15,211$11,595$8,724$6,491$4,784$2,846
26 years$14,470$10,897$8,091$5,935$4,309$2,498
27 years$13,785$10,256$7,513$5,432$3,885$2,195
28 years$13,150$9,664$6,985$4,977$3,506$1,929
29 years$12,560$9,117$6,500$4,564$3,165$1,696
30 years$12,010$8,610$6,054$4,189$2,860$1,492
31 years$11,497$8,139$5,644$3,847$2,586$1,313
32 years$11,016$7,701$5,266$3,535$2,339$1,156
33 years$10,566$7,293$4,917$3,251$2,117$1,018
34 years$10,143$6,912$4,594$2,991$1,917$897
35 years$9,745$6,556$4,295$2,754$1,736$790
36 years$9,371$6,223$4,018$2,536$1,573$697
37 years$9,017$5,910$3,761$2,337$1,426$614
38 years$8,682$5,617$3,522$2,154$1,292$541
39 years$8,366$5,341$3,300$1,986$1,172$477
40 years$8,066$5,082$3,093$1,832$1,063$421
41 years$7,782$4,837$2,900$1,690$964$371
42 years$7,512$4,607$2,720$1,560$875$327
43 years$7,255$4,389$2,553$1,440$794$289
44 years$7,010$4,184$2,396$1,329$721$255
45 years$6,777$3,990$2,250$1,228$654$225
46 years$6,555$3,806$2,113$1,134$594$198
47 years$6,343$3,632$1,985$1,048$540$175
48 years$6,140$3,467$1,866$968$490$154
49 years$5,946$3,311$1,754$895$445$136
50 years$5,760$3,163$1,649$827$404$120

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $5,900,000, adding $3,989 every year, while hoping to spend $45,296 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: 74/17/9 Blend
51$5,900,000$5,900,000$5,900,000$5,900,000
52$6,505,915$6,193,215$6,101,765$6,977,078
53$7,121,323$6,448,488$6,257,979$7,543,526
54$7,797,986$6,714,751$6,417,909$8,157,821
55$8,542,101$6,992,495$6,581,630$8,829,527
56$9,360,502$7,282,233$6,749,221$9,564,314
57$10,260,713$7,584,502$6,920,759$10,368,422
58$11,251,027$7,899,864$7,096,326$11,248,721
59$12,340,580$8,228,906$7,276,002$12,212,775
60$13,539,439$8,572,242$7,459,867$13,268,908
61$14,858,696$8,930,516$7,648,007$14,426,290
62$16,310,570$9,304,399$7,840,503$15,695,014
63$17,908,530$9,694,596$8,037,441$17,086,194
64$19,667,411$10,101,842$8,238,906$18,612,069
65$21,603,562$10,526,908$8,444,985$20,286,118
66$23,734,998$10,970,599$8,655,765$22,123,182
67$26,081,569$11,433,759$8,871,334$24,139,607
68$28,665,146$11,917,271$9,091,781$26,353,396
69$31,509,831$12,422,057$9,317,195$28,784,375
70$34,642,181$12,949,084$9,547,668$31,454,382
71$38,091,457$13,499,364$9,783,289$34,387,469
72$41,889,907$14,073,954$10,024,150$37,610,129
73$46,073,062$14,673,962$10,270,344$41,151,545
74$50,680,076$15,300,548$10,521,962$45,043,862
75$55,754,094$15,954,925$10,779,098$49,322,487
76$61,342,658$16,638,362$11,041,844$54,026,426
77$67,498,157$17,352,190$11,310,294$59,198,649
78$74,278,321$18,097,800$11,584,541$64,886,488
79$81,746,766$18,876,648$11,864,679$71,142,091
80$89,973,592$19,690,260$12,150,802$78,022,903
81$99,036,047$20,540,231$12,443,002$85,592,213
82$109,019,255$21,428,233$12,741,373$93,919,743
83$120,017,017$22,356,015$13,046,008$103,082,310
84$132,132,703$23,325,409$13,356,999$113,164,542
85$145,480,217$24,338,333$13,674,437$124,259,679
86$160,185,083$25,396,795$13,998,414$136,470,449
87$176,385,620$26,502,896$14,329,020$149,910,032
88$194,234,254$27,658,839$14,666,343$164,703,130
89$213,898,953$28,866,928$15,010,471$180,987,137
90$235,564,816$30,129,577$15,361,491$198,913,435
91$259,435,814$31,449,312$15,719,487$218,648,819
92$285,736,720$32,828,782$16,084,543$240,377,067
93$314,715,230$34,270,757$16,456,740$264,300,671
94$346,644,298$35,778,139$16,836,156$290,642,747
95$381,824,718$37,353,969$17,222,869$319,649,133
96$420,587,955$39,001,430$17,616,951$351,590,710
97$463,299,282$40,723,855$18,018,474$386,765,951
98$510,361,222$42,524,737$18,427,506$425,503,735
99$562,217,350$44,407,733$18,844,111$468,166,448
100$619,356,481$46,376,673$19,268,350$515,153,397