Can I retire at age 52 with 6,300,000?

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 $6,300,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.9%
1 years$520,248$515,614$511,093$506,680$502,371$498,370
2 years$257,549$252,752$248,103$243,596$239,224$235,191
3 years$169,994$165,176$160,539$156,074$151,774$147,833
4 years$126,225$121,422$116,831$112,443$108,246$104,429
5 years$99,970$95,196$90,666$86,367$82,287$78,604
6 years$82,473$77,735$73,272$69,068$65,111$61,567
7 years$69,980$65,282$60,889$56,785$52,953$49,550
8 years$60,614$55,958$51,639$47,635$43,929$40,667
9 years$53,333$48,722$44,476$40,575$36,995$33,872
10 years$47,512$42,946$38,776$34,976$31,521$28,537
11 years$42,753$38,232$34,137$30,439$27,110$24,261
12 years$38,789$34,315$30,296$26,700$23,493$20,777
13 years$35,438$31,011$27,068$23,572$20,486$17,900
14 years$32,569$28,188$24,320$20,924$17,958$15,499
15 years$30,084$25,750$21,958$18,661$15,812$13,476
16 years$27,911$23,625$19,908$16,709$13,974$11,759
17 years$25,997$21,758$18,116$15,013$12,391$10,292
18 years$24,297$20,106$16,537$13,529$11,017$9,030
19 years$22,777$18,634$15,139$12,225$9,820$7,942
20 years$21,412$17,315$13,894$11,072$8,771$6,997
21 years$20,178$16,128$12,780$10,049$7,849$6,176
22 years$19,057$15,055$11,778$9,136$7,036$5,459
23 years$18,036$14,081$10,875$8,321$6,316$4,831
24 years$17,101$13,193$10,058$7,589$5,677$4,280
25 years$16,242$12,381$9,316$6,931$5,108$3,796
26 years$15,451$11,636$8,640$6,337$4,601$3,369
27 years$14,719$10,951$8,023$5,801$4,148$2,993
28 years$14,041$10,319$7,458$5,315$3,743$2,660
29 years$13,411$9,735$6,940$4,874$3,380$2,366
30 years$12,824$9,193$6,465$4,473$3,054$2,105
31 years$12,276$8,691$6,027$4,108$2,761$1,874
32 years$11,763$8,223$5,623$3,775$2,498$1,670
33 years$11,282$7,788$5,250$3,472$2,260$1,488
34 years$10,831$7,381$4,906$3,194$2,047$1,326
35 years$10,406$7,001$4,586$2,940$1,854$1,182
36 years$10,006$6,645$4,291$2,708$1,679$1,054
37 years$9,628$6,311$4,016$2,495$1,522$940
38 years$9,271$5,998$3,761$2,300$1,380$839
39 years$8,933$5,703$3,523$2,121$1,251$748
40 years$8,613$5,426$3,302$1,956$1,135$668
41 years$8,309$5,165$3,097$1,805$1,030$596
42 years$8,021$4,919$2,905$1,665$934$532
43 years$7,746$4,687$2,726$1,537$848$475
44 years$7,485$4,468$2,559$1,419$770$424
45 years$7,236$4,260$2,402$1,311$699$379
46 years$6,999$4,064$2,256$1,211$634$338
47 years$6,773$3,878$2,120$1,119$576$302
48 years$6,556$3,702$1,992$1,034$523$270
49 years$6,349$3,536$1,872$955$475$241
50 years$6,151$3,377$1,760$883$432$215

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $6,300,000, adding $2,228 every year, while hoping to spend $36,426 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: 46/26/28 Blend
51$6,300,000$6,300,000$6,300,000$6,300,000
52$6,944,898$6,610,998$6,513,348$7,208,265
53$7,614,521$6,896,180$6,692,788$7,680,252
54$8,351,224$7,194,115$6,877,019$8,188,357
55$9,161,812$7,505,390$7,066,162$8,738,979
56$10,053,781$7,830,618$7,260,342$9,336,120
57$11,035,390$8,170,442$7,459,688$9,984,180
58$12,115,742$8,525,535$7,664,329$10,687,995
59$13,304,864$8,896,603$7,874,401$11,452,878
60$14,613,806$9,284,382$8,090,039$12,284,673
61$16,054,743$9,689,646$8,311,384$13,189,802
62$17,641,091$10,113,203$8,538,580$14,175,328
63$19,387,632$10,555,900$8,771,772$15,249,019
64$21,310,657$11,018,625$9,011,112$16,419,417
65$23,428,112$11,502,306$9,256,753$17,695,919
66$25,759,776$12,007,916$9,508,851$19,088,861
67$28,327,443$12,536,474$9,767,568$20,609,615
68$31,155,128$13,089,046$10,033,066$22,270,694
69$34,269,292$13,666,751$10,305,515$24,085,864
70$37,699,096$14,270,758$10,585,086$26,070,278
71$41,476,672$14,902,292$10,871,954$28,240,608
72$45,637,426$15,562,639$11,166,299$30,615,205
73$50,220,377$16,253,141$11,468,303$33,214,268
74$55,268,519$16,975,209$11,778,155$36,060,031
75$60,829,229$17,730,315$12,096,044$39,176,966
76$66,954,717$18,520,007$12,422,168$42,592,020
77$73,702,513$19,345,902$12,756,726$46,334,853
78$81,136,014$20,209,696$13,099,921$50,438,126
79$89,325,081$21,113,165$13,451,962$54,937,797
80$98,346,699$22,058,170$13,813,062$59,873,460
81$108,285,702$23,046,659$14,183,439$65,288,714
82$119,235,573$24,080,675$14,563,314$71,231,569
83$131,299,330$25,162,357$14,952,913$77,754,896
84$144,590,495$26,293,946$15,352,469$84,916,920
85$159,234,165$27,477,789$15,762,217$92,781,764
86$175,368,197$28,716,347$16,182,398$101,420,051
87$193,144,502$30,012,197$16,613,257$110,909,562
88$212,730,485$31,368,039$17,055,046$121,335,969
89$234,310,625$32,786,703$17,508,019$132,793,630
90$258,088,210$34,271,153$17,972,439$145,386,484
91$284,287,262$35,824,494$18,448,571$159,229,014
92$313,154,651$37,449,982$18,936,686$174,447,331
93$344,962,421$39,151,027$19,437,060$191,180,350
94$380,010,362$40,931,202$19,949,976$209,581,096
95$418,628,839$42,794,251$20,475,721$229,818,143
96$461,181,910$44,744,098$21,014,587$252,077,194
97$508,070,761$46,784,855$21,566,871$276,562,826
98$559,737,496$48,920,831$22,132,879$303,500,415
99$616,669,309$51,156,540$22,712,919$333,138,249
100$679,403,083$53,496,714$23,307,306$365,749,868