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%15.4%
1 years$487,216$482,877$478,642$474,510$470,474$460,035
2 years$241,196$236,704$232,351$228,130$224,035$213,573
3 years$159,200$154,689$150,346$146,165$142,137$131,977
4 years$118,210$113,713$109,414$105,304$101,373$91,595
5 years$93,623$89,152$84,909$80,883$77,063$67,692
6 years$77,236$72,799$68,619$64,683$60,977$52,025
7 years$65,536$61,137$57,023$53,179$49,591$41,059
8 years$56,765$52,406$48,360$44,611$41,140$33,025
9 years$49,947$45,628$41,653$37,999$34,646$26,942
10 years$44,496$40,219$36,314$32,755$29,520$22,219
11 years$40,038$35,805$31,970$28,507$25,388$18,480
12 years$36,327$32,136$28,373$25,004$22,001$15,476
13 years$33,188$29,042$25,349$22,075$19,185$13,031
14 years$30,501$26,398$22,776$19,596$16,818$11,021
15 years$28,174$24,115$20,564$17,476$14,808$9,356
16 years$26,139$22,125$18,644$15,648$13,087$7,967
17 years$24,346$20,377$16,965$14,059$11,604$6,802
18 years$22,754$18,829$15,487$12,670$10,318$5,820
19 years$21,331$17,450$14,178$11,449$9,196$4,988
20 years$20,052$16,216$13,012$10,369$8,214$4,282
21 years$18,897$15,104$11,968$9,411$7,351$3,681
22 years$17,847$14,099$11,031$8,556$6,589$3,168
23 years$16,891$13,187$10,185$7,792$5,915$2,729
24 years$16,015$12,355$9,419$7,107$5,316$2,353
25 years$15,211$11,595$8,724$6,491$4,784$2,030
26 years$14,470$10,897$8,091$5,935$4,309$1,752
27 years$13,785$10,256$7,513$5,432$3,885$1,513
28 years$13,150$9,664$6,985$4,977$3,506$1,308
29 years$12,560$9,117$6,500$4,564$3,165$1,130
30 years$12,010$8,610$6,054$4,189$2,860$977
31 years$11,497$8,139$5,644$3,847$2,586$845
32 years$11,016$7,701$5,266$3,535$2,339$731
33 years$10,566$7,293$4,917$3,251$2,117$633
34 years$10,143$6,912$4,594$2,991$1,917$548
35 years$9,745$6,556$4,295$2,754$1,736$474
36 years$9,371$6,223$4,018$2,536$1,573$411
37 years$9,017$5,910$3,761$2,337$1,426$356
38 years$8,682$5,617$3,522$2,154$1,292$308
39 years$8,366$5,341$3,300$1,986$1,172$267
40 years$8,066$5,082$3,093$1,832$1,063$231
41 years$7,782$4,837$2,900$1,690$964$200
42 years$7,512$4,607$2,720$1,560$875$173
43 years$7,255$4,389$2,553$1,440$794$150
44 years$7,010$4,184$2,396$1,329$721$130
45 years$6,777$3,990$2,250$1,228$654$113
46 years$6,555$3,806$2,113$1,134$594$98
47 years$6,343$3,632$1,985$1,048$540$85
48 years$6,140$3,467$1,866$968$490$73
49 years$5,946$3,311$1,754$895$445$63
50 years$5,760$3,163$1,649$827$404$55

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 $4,377 every year, while hoping to spend $41,414 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: 45/29/26 Blend
51$5,900,000$5,900,000$5,900,000$5,900,000
52$6,506,315$6,193,615$6,102,165$6,750,043
53$7,125,895$6,453,038$6,262,523$7,182,645
54$7,807,284$6,723,784$6,426,866$7,647,166
55$8,556,743$7,006,366$6,595,282$8,150,140
56$9,381,170$7,301,317$6,767,863$8,695,176
57$10,288,165$7,609,198$6,944,702$9,286,239
58$11,286,102$7,930,593$7,125,894$9,927,684
59$12,384,209$8,266,115$7,311,535$10,624,299
60$13,592,650$8,616,407$7,501,723$11,381,348
61$14,922,627$8,982,138$7,696,558$12,204,615
62$16,386,483$9,364,011$7,896,141$13,100,464
63$17,997,818$9,762,761$8,100,575$14,075,888
64$19,771,616$10,179,157$8,309,965$15,138,582
65$21,724,389$10,614,004$8,524,417$16,297,007
66$23,874,331$11,068,144$8,744,040$17,560,470
67$26,241,490$11,542,461$8,968,942$18,939,213
68$28,847,956$12,037,875$9,199,236$20,444,499
69$31,718,072$12,555,356$9,435,035$22,088,726
70$34,878,660$13,095,912$9,676,453$23,885,532
71$38,359,276$13,660,605$9,923,607$25,849,929
72$42,192,489$14,250,541$10,176,614$27,998,437
73$46,414,188$14,866,883$10,435,596$30,349,238
74$51,063,919$15,510,844$10,700,672$32,922,345
75$56,185,260$16,183,697$10,971,966$35,739,790
76$61,826,232$16,886,774$11,249,603$38,825,823
77$68,039,751$17,621,468$11,533,707$42,207,145
78$74,884,126$18,389,241$11,824,408$45,913,151
79$82,423,614$19,191,621$12,121,832$49,976,203
80$90,729,021$20,030,209$12,426,112$54,431,938
81$99,878,373$20,906,681$12,737,378$59,319,594
82$109,957,651$21,822,792$13,055,764$64,682,379
83$121,061,603$22,780,381$13,381,404$70,567,875
84$133,294,639$23,781,372$13,714,434$77,028,479
85$146,771,814$24,827,781$14,054,989$84,121,899
86$161,619,917$25,921,720$14,403,209$91,911,688
87$177,978,663$27,065,399$14,759,231$100,467,842
88$196,002,018$28,261,134$15,123,196$109,867,453
89$215,859,644$29,511,351$15,495,244$120,195,434
90$237,738,509$30,818,588$15,875,516$131,545,313
91$261,844,646$32,185,508$16,264,155$144,020,109
92$288,405,098$33,614,896$16,661,302$157,733,299
93$317,670,064$35,109,671$17,067,102$172,809,884
94$349,915,257$36,672,892$17,481,696$189,387,558
95$385,444,509$38,307,760$17,905,229$207,618,006
96$424,592,639$40,017,630$18,337,844$227,668,322
97$467,728,611$41,806,016$18,779,684$249,722,585
98$515,259,019$43,676,601$19,230,893$273,983,583
99$567,631,924$45,633,240$19,691,614$300,674,722
100$625,341,085$47,679,973$20,161,988$330,042,124