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%18.7%
1 years$487,216$482,877$478,642$474,510$470,474$453,962
2 years$241,196$236,704$232,351$228,130$224,035$207,573
3 years$159,200$154,689$150,346$146,165$142,137$126,242
4 years$118,210$113,713$109,414$105,304$101,373$86,167
5 years$93,623$89,152$84,909$80,883$77,063$62,584
6 years$77,236$72,799$68,619$64,683$60,977$47,238
7 years$65,536$61,137$57,023$53,179$49,591$36,589
8 years$56,765$52,406$48,360$44,611$41,140$28,865
9 years$49,947$45,628$41,653$37,999$34,646$23,081
10 years$44,496$40,219$36,314$32,755$29,520$18,646
11 years$40,038$35,805$31,970$28,507$25,388$15,183
12 years$36,327$32,136$28,373$25,004$22,001$12,441
13 years$33,188$29,042$25,349$22,075$19,185$10,244
14 years$30,501$26,398$22,776$19,596$16,818$8,469
15 years$28,174$24,115$20,564$17,476$14,808$7,025
16 years$26,139$22,125$18,644$15,648$13,087$5,842
17 years$24,346$20,377$16,965$14,059$11,604$4,869
18 years$22,754$18,829$15,487$12,670$10,318$4,065
19 years$21,331$17,450$14,178$11,449$9,196$3,399
20 years$20,052$16,216$13,012$10,369$8,214$2,846
21 years$18,897$15,104$11,968$9,411$7,351$2,385
22 years$17,847$14,099$11,031$8,556$6,589$2,000
23 years$16,891$13,187$10,185$7,792$5,915$1,679
24 years$16,015$12,355$9,419$7,107$5,316$1,410
25 years$15,211$11,595$8,724$6,491$4,784$1,185
26 years$14,470$10,897$8,091$5,935$4,309$996
27 years$13,785$10,256$7,513$5,432$3,885$837
28 years$13,150$9,664$6,985$4,977$3,506$704
29 years$12,560$9,117$6,500$4,564$3,165$593
30 years$12,010$8,610$6,054$4,189$2,860$499
31 years$11,497$8,139$5,644$3,847$2,586$420
32 years$11,016$7,701$5,266$3,535$2,339$353
33 years$10,566$7,293$4,917$3,251$2,117$298
34 years$10,143$6,912$4,594$2,991$1,917$251
35 years$9,745$6,556$4,295$2,754$1,736$211
36 years$9,371$6,223$4,018$2,536$1,573$178
37 years$9,017$5,910$3,761$2,337$1,426$150
38 years$8,682$5,617$3,522$2,154$1,292$126
39 years$8,366$5,341$3,300$1,986$1,172$106
40 years$8,066$5,082$3,093$1,832$1,063$89
41 years$7,782$4,837$2,900$1,690$964$75
42 years$7,512$4,607$2,720$1,560$875$63
43 years$7,255$4,389$2,553$1,440$794$53
44 years$7,010$4,184$2,396$1,329$721$45
45 years$6,777$3,990$2,250$1,228$654$38
46 years$6,555$3,806$2,113$1,134$594$32
47 years$6,343$3,632$1,985$1,048$540$27
48 years$6,140$3,467$1,866$968$490$23
49 years$5,946$3,311$1,754$895$445$19
50 years$5,760$3,163$1,649$827$404$16

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 $3,271 every year, while hoping to spend $45,868 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: 78/7/15 Blend
51$5,900,000$5,900,000$5,900,000$5,900,000
52$6,505,174$6,192,474$6,101,024$6,991,815
53$7,119,899$6,447,102$6,256,605$7,567,616
54$7,795,788$6,712,670$6,415,861$8,192,908
55$8,539,032$6,989,664$6,578,866$8,877,520
56$9,356,451$7,278,596$6,745,696$9,627,364
57$10,255,560$7,579,998$6,916,428$10,448,951
58$11,244,638$7,894,428$7,091,139$11,349,448
59$12,332,806$8,222,471$7,269,907$12,336,754
60$13,530,116$8,564,735$7,452,813$13,419,564
61$14,847,642$8,921,861$7,639,936$14,607,457
62$16,297,585$9,294,516$7,831,357$15,910,983
63$17,893,389$9,683,398$8,027,159$17,341,761
64$19,649,870$10,089,240$8,227,423$18,912,593
65$21,583,349$10,512,805$8,432,234$20,637,578
66$23,711,813$10,954,894$8,641,676$22,532,248
67$26,055,079$11,416,346$8,855,834$24,613,713
68$28,634,986$11,898,035$9,074,793$26,900,820
69$31,475,594$12,400,879$9,298,639$29,414,335
70$34,603,420$12,925,837$9,527,458$32,177,132
71$38,047,680$13,473,914$9,761,339$35,214,411
72$41,840,567$14,046,160$10,000,368$38,553,938
73$46,017,558$14,643,674$10,244,633$42,226,299
74$50,617,743$15,267,609$10,494,222$46,265,193
75$55,684,199$15,919,167$10,749,225$50,707,751
76$61,264,391$16,599,611$11,009,728$55,594,879
77$67,410,626$17,310,259$11,275,821$60,971,646
78$74,180,541$18,052,492$11,547,592$66,887,713
79$81,637,649$18,827,757$11,825,129$73,397,791
80$89,851,939$19,637,567$12,108,521$80,562,167
81$98,900,535$20,483,506$12,397,854$88,447,262
82$108,868,424$21,367,233$12,693,217$97,126,263
83$119,849,259$22,290,483$12,994,695$106,679,814
84$131,946,242$23,255,074$13,302,375$117,196,767
85$145,273,095$24,262,910$13,616,342$128,775,029
86$159,955,141$25,315,982$13,936,679$141,522,480
87$176,130,477$26,416,377$14,263,469$155,557,991
88$193,951,284$27,566,278$14,596,795$171,012,544
89$213,585,262$28,767,973$14,936,734$188,030,466
90$235,217,211$30,023,855$15,283,367$206,770,793
91$259,050,775$31,336,433$15,636,768$227,408,767
92$285,310,367$32,708,331$15,997,013$250,137,487
93$314,243,285$34,142,300$16,364,173$275,169,734
94$346,122,045$35,641,217$16,738,318$302,739,976
95$381,246,955$37,208,099$17,119,514$333,106,578
96$419,948,951$38,846,103$17,507,824$366,554,240
97$462,592,718$40,558,535$17,903,309$403,396,683
98$509,580,131$42,348,859$18,306,026$443,979,608
99$561,354,053$44,220,702$18,716,027$488,683,957
100$618,402,513$46,177,863$19,133,360$537,929,506