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

Use the below retirement simulation to view the chances of a successful retirement.
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%11.8%
1 years$487,216$482,877$478,642$474,510$470,474$466,922
2 years$241,196$236,704$232,351$228,130$224,035$220,454
3 years$159,200$154,689$150,346$146,165$142,137$138,638
4 years$118,210$113,713$109,414$105,304$101,373$97,983
5 years$93,623$89,152$84,909$80,883$77,063$73,791
6 years$77,236$72,799$68,619$64,683$60,977$57,828
7 years$65,536$61,137$57,023$53,179$49,591$46,566
8 years$56,765$52,406$48,360$44,611$41,140$38,240
9 years$49,947$45,628$41,653$37,999$34,646$31,869
10 years$44,496$40,219$36,314$32,755$29,520$26,866
11 years$40,038$35,805$31,970$28,507$25,388$22,854
12 years$36,327$32,136$28,373$25,004$22,001$19,584
13 years$33,188$29,042$25,349$22,075$19,185$16,884
14 years$30,501$26,398$22,776$19,596$16,818$14,629
15 years$28,174$24,115$20,564$17,476$14,808$12,728
16 years$26,139$22,125$18,644$15,648$13,087$11,114
17 years$24,346$20,377$16,965$14,059$11,604$9,733
18 years$22,754$18,829$15,487$12,670$10,318$8,547
19 years$21,331$17,450$14,178$11,449$9,196$7,522
20 years$20,052$16,216$13,012$10,369$8,214$6,632
21 years$18,897$15,104$11,968$9,411$7,351$5,858
22 years$17,847$14,099$11,031$8,556$6,589$5,181
23 years$16,891$13,187$10,185$7,792$5,915$4,589
24 years$16,015$12,355$9,419$7,107$5,316$4,069
25 years$15,211$11,595$8,724$6,491$4,784$3,611
26 years$14,470$10,897$8,091$5,935$4,309$3,208
27 years$13,785$10,256$7,513$5,432$3,885$2,852
28 years$13,150$9,664$6,985$4,977$3,506$2,537
29 years$12,560$9,117$6,500$4,564$3,165$2,258
30 years$12,010$8,610$6,054$4,189$2,860$2,011
31 years$11,497$8,139$5,644$3,847$2,586$1,792
32 years$11,016$7,701$5,266$3,535$2,339$1,597
33 years$10,566$7,293$4,917$3,251$2,117$1,424
34 years$10,143$6,912$4,594$2,991$1,917$1,271
35 years$9,745$6,556$4,295$2,754$1,736$1,134
36 years$9,371$6,223$4,018$2,536$1,573$1,012
37 years$9,017$5,910$3,761$2,337$1,426$903
38 years$8,682$5,617$3,522$2,154$1,292$807
39 years$8,366$5,341$3,300$1,986$1,172$720
40 years$8,066$5,082$3,093$1,832$1,063$643
41 years$7,782$4,837$2,900$1,690$964$575
42 years$7,512$4,607$2,720$1,560$875$514
43 years$7,255$4,389$2,553$1,440$794$459
44 years$7,010$4,184$2,396$1,329$721$410
45 years$6,777$3,990$2,250$1,228$654$367
46 years$6,555$3,806$2,113$1,134$594$328
47 years$6,343$3,632$1,985$1,048$540$293
48 years$6,140$3,467$1,866$968$490$262
49 years$5,946$3,311$1,754$895$445$234
50 years$5,760$3,163$1,649$827$404$209

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 $2,239 every year, while hoping to spend $27,575 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: 28/44/28 Blend
51$5,900,000$5,900,000$5,900,000$5,900,000
52$6,504,110$6,191,410$6,099,960$6,629,684
53$7,138,189$6,465,449$6,274,969$7,004,348
54$7,836,021$6,751,992$6,454,916$7,404,056
55$8,604,078$7,051,623$6,639,939$7,832,944
56$9,449,493$7,364,952$6,830,176$8,293,535
57$10,380,127$7,692,620$7,025,773$8,788,592
58$11,404,639$8,035,297$7,226,875$9,321,139
59$12,532,571$8,393,686$7,433,635$9,894,488
60$13,774,440$8,768,524$7,646,208$10,512,270
61$15,141,832$9,160,580$7,864,755$11,178,461
62$16,647,512$9,570,662$8,089,438$11,897,420
63$18,305,550$9,999,616$8,320,426$12,673,929
64$20,131,448$10,448,329$8,557,892$13,513,229
65$22,142,288$10,917,729$8,802,013$14,421,071
66$24,356,892$11,408,789$9,052,972$15,403,765
67$26,796,003$11,922,527$9,310,954$16,468,235
68$29,482,477$12,460,012$9,576,152$17,622,083
69$32,441,499$13,022,362$9,848,763$18,873,653
70$35,700,823$13,610,750$10,128,988$20,232,108
71$39,291,033$14,226,402$10,417,034$21,707,511
72$43,245,828$14,870,606$10,713,115$23,310,918
73$47,602,347$15,544,710$11,017,449$25,054,472
74$52,401,513$16,250,127$11,330,260$26,951,518
75$57,688,420$16,988,337$11,651,777$29,016,721
76$63,512,764$17,760,890$11,982,236$31,266,197
77$69,929,305$18,569,413$12,321,880$33,717,665
78$76,998,387$19,415,607$12,670,956$36,390,602
79$84,786,510$20,301,258$13,029,720$39,306,425
80$93,366,950$21,228,237$13,398,432$42,488,683
81$102,820,460$22,198,502$13,777,361$45,963,275
82$113,236,026$23,214,107$14,166,782$49,758,686
83$124,711,708$24,277,206$14,566,976$53,906,250
84$137,355,566$25,390,053$14,978,234$58,440,433
85$151,286,681$26,555,012$15,400,851$63,399,157
86$166,636,276$27,774,561$15,835,133$68,824,144
87$183,548,957$29,051,296$16,281,391$74,761,302
88$202,184,079$30,387,938$16,739,946$81,261,151
89$222,717,247$31,787,339$17,211,127$88,379,286
90$245,341,976$33,252,488$17,695,269$96,176,895
91$270,271,516$34,786,518$18,192,718$104,721,326
92$297,740,865$36,392,712$18,703,829$114,086,707
93$328,008,990$38,074,511$19,228,964$124,354,639
94$361,361,268$39,835,524$19,768,496$135,614,950
95$398,112,182$41,679,529$20,322,805$147,966,534
96$438,608,290$43,610,491$20,892,284$161,518,266
97$483,231,494$45,632,564$21,477,334$176,390,020
98$532,402,647$47,750,100$22,078,365$192,713,783
99$586,585,526$49,967,664$22,695,800$210,634,886
100$646,291,210$52,290,040$23,330,069$230,313,361