Can I retire at age 52 with 6,000,000?

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 $6,000,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12%
1 years$495,474$491,061$486,755$482,552$478,448$474,440
2 years$245,284$240,716$236,289$231,996$227,833$223,792
3 years$161,899$157,311$152,895$148,642$144,546$140,600
4 years$120,214$115,640$111,268$107,088$103,092$99,269
5 years$95,210$90,663$86,349$82,254$78,369$74,681
6 years$78,545$74,033$69,782$65,779$62,010$58,463
7 years$66,647$62,173$57,990$54,081$50,431$47,025
8 years$57,728$53,294$49,180$45,367$41,837$38,573
9 years$50,794$46,402$42,359$38,643$35,233$32,110
10 years$45,250$40,901$36,929$33,310$30,020$27,036
11 years$40,717$36,412$32,512$28,990$25,819$22,970
12 years$36,942$32,681$28,853$25,428$22,374$19,659
13 years$33,751$29,534$25,779$22,449$19,510$16,927
14 years$31,018$26,846$23,162$19,928$17,103$14,647
15 years$28,651$24,524$20,912$17,772$15,059$12,726
16 years$26,582$22,500$18,960$15,913$13,309$11,097
17 years$24,759$20,722$17,253$14,298$11,801$9,705
18 years$23,140$19,148$15,750$12,885$10,492$8,510
19 years$21,693$17,746$14,418$11,643$9,352$7,479
20 years$20,392$16,491$13,232$10,545$8,354$6,585
21 years$19,217$15,360$12,171$9,570$7,475$5,807
22 years$18,150$14,338$11,218$8,701$6,701$5,129
23 years$17,177$13,410$10,357$7,925$6,015$4,536
24 years$16,287$12,565$9,579$7,228$5,406$4,015
25 years$15,469$11,791$8,872$6,601$4,865$3,558
26 years$14,715$11,082$8,228$6,035$4,382$3,156
27 years$14,018$10,429$7,641$5,524$3,951$2,801
28 years$13,373$9,828$7,103$5,061$3,565$2,488
29 years$12,773$9,271$6,610$4,641$3,219$2,211
30 years$12,213$8,756$6,157$4,260$2,909$1,966
31 years$11,691$8,277$5,740$3,912$2,630$1,749
32 years$11,203$7,832$5,355$3,595$2,379$1,556
33 years$10,745$7,417$5,000$3,306$2,153$1,386
34 years$10,315$7,029$4,672$3,042$1,949$1,234
35 years$9,911$6,667$4,368$2,800$1,765$1,099
36 years$9,529$6,328$4,086$2,579$1,599$979
37 years$9,170$6,010$3,825$2,376$1,450$873
38 years$8,830$5,712$3,582$2,190$1,314$778
39 years$8,508$5,432$3,356$2,020$1,192$694
40 years$8,203$5,168$3,145$1,863$1,081$618
41 years$7,914$4,919$2,949$1,719$981$552
42 years$7,639$4,685$2,766$1,586$890$492
43 years$7,378$4,464$2,596$1,464$808$439
44 years$7,129$4,255$2,437$1,352$733$392
45 years$6,892$4,057$2,288$1,248$666$349
46 years$6,666$3,871$2,149$1,153$604$312
47 years$6,450$3,694$2,019$1,065$549$278
48 years$6,244$3,526$1,897$985$498$248
49 years$6,047$3,367$1,783$910$453$221
50 years$5,858$3,217$1,677$841$411$198

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $6,000,000, adding $5,531 every year, while hoping to spend $20,325 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: 49/40/11 Blend
51$6,000,000$6,000,000$6,000,000$6,000,000
52$6,617,705$6,299,705$6,206,705$6,921,976
53$7,271,086$6,586,765$6,393,004$7,418,420
54$7,990,429$6,887,210$6,584,863$7,954,780
55$8,782,444$7,201,674$6,782,446$8,536,914
56$9,654,519$7,530,821$6,985,924$9,169,113
57$10,614,798$7,875,350$7,195,471$9,856,086
58$11,672,254$8,235,989$7,411,266$10,603,004
59$12,836,775$8,613,503$7,633,494$11,415,550
60$14,119,257$9,008,696$7,862,347$12,299,965
61$15,531,706$9,422,406$8,098,021$13,263,106
62$17,087,351$9,855,516$8,340,716$14,312,511
63$18,800,772$10,308,947$8,590,641$15,456,462
64$20,688,033$10,783,667$8,848,009$16,704,065
65$22,766,836$11,280,691$9,113,041$18,065,329
66$25,056,688$11,801,080$9,385,964$19,551,258
67$27,579,087$12,345,949$9,667,009$21,173,955
68$30,357,718$12,916,465$9,956,419$22,946,728
69$33,418,685$13,513,852$10,254,438$24,884,212
70$36,790,752$14,139,391$10,561,323$27,002,507
71$40,505,615$14,794,428$10,877,334$29,319,323
72$44,598,204$15,480,371$11,202,741$31,854,142
73$49,107,009$16,198,698$11,537,821$34,628,399
74$54,074,445$16,950,955$11,882,859$37,665,682
75$59,547,254$17,738,767$12,238,150$40,991,941
76$65,576,941$18,563,834$12,603,995$44,635,740
77$72,220,266$19,427,939$12,980,706$48,628,509
78$79,539,776$20,332,951$13,368,603$53,004,844
79$87,604,397$21,280,829$13,768,015$57,802,824
80$96,490,083$22,273,628$14,179,281$63,064,362
81$106,280,536$23,313,500$14,602,752$68,835,598
82$117,067,992$24,402,703$15,038,785$75,167,327
83$128,954,094$25,543,602$15,487,751$82,115,469
84$142,050,850$26,738,677$15,950,030$89,741,590
85$156,481,695$27,990,530$16,426,013$98,113,478
86$172,382,647$29,301,886$16,916,104$107,305,770
87$189,903,602$30,675,603$17,420,718$117,400,652
88$209,209,738$32,114,676$17,940,281$128,488,624
89$230,483,083$33,622,247$18,475,232$140,669,345
90$253,924,228$35,201,608$19,026,023$154,052,564
91$279,754,225$36,856,212$19,593,120$168,759,145
92$308,216,667$38,589,678$20,177,001$184,922,198
93$339,579,995$40,405,800$20,778,159$202,688,323
94$374,140,028$42,308,557$21,397,100$222,218,983
95$412,222,754$44,302,120$22,034,346$243,692,015
96$454,187,412$46,390,861$22,690,434$267,303,298
97$500,429,880$48,579,365$23,365,916$293,268,584
98$551,386,414$50,872,440$24,061,360$321,825,524
99$607,537,764$53,275,125$24,777,351$353,235,896
100$669,413,714$55,792,705$25,514,491$387,788,057