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

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 $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%15%
1 years$520,248$515,614$511,093$506,680$502,371$492,027
2 years$257,549$252,752$248,103$243,596$239,224$228,850
3 years$169,994$165,176$160,539$156,074$151,774$141,692
4 years$126,225$121,422$116,831$112,443$108,246$98,536
5 years$99,970$95,196$90,666$86,367$82,287$72,975
6 years$82,473$77,735$73,272$69,068$65,111$56,208
7 years$69,980$65,282$60,889$56,785$52,953$44,460
8 years$60,614$55,958$51,639$47,635$43,929$35,844
9 years$53,333$48,722$44,476$40,575$36,995$29,312
10 years$47,512$42,946$38,776$34,976$31,521$24,233
11 years$42,753$38,232$34,137$30,439$27,110$20,207
12 years$38,789$34,315$30,296$26,700$23,493$16,965
13 years$35,438$31,011$27,068$23,572$20,486$14,323
14 years$32,569$28,188$24,320$20,924$17,958$12,147
15 years$30,084$25,750$21,958$18,661$15,812$10,341
16 years$27,911$23,625$19,908$16,709$13,974$8,831
17 years$25,997$21,758$18,116$15,013$12,391$7,561
18 years$24,297$20,106$16,537$13,529$11,017$6,488
19 years$22,777$18,634$15,139$12,225$9,820$5,578
20 years$21,412$17,315$13,894$11,072$8,771$4,803
21 years$20,178$16,128$12,780$10,049$7,849$4,141
22 years$19,057$15,055$11,778$9,136$7,036$3,575
23 years$18,036$14,081$10,875$8,321$6,316$3,089
24 years$17,101$13,193$10,058$7,589$5,677$2,672
25 years$16,242$12,381$9,316$6,931$5,108$2,312
26 years$15,451$11,636$8,640$6,337$4,601$2,002
27 years$14,719$10,951$8,023$5,801$4,148$1,735
28 years$14,041$10,319$7,458$5,315$3,743$1,504
29 years$13,411$9,735$6,940$4,874$3,380$1,305
30 years$12,824$9,193$6,465$4,473$3,054$1,132
31 years$12,276$8,691$6,027$4,108$2,761$982
32 years$11,763$8,223$5,623$3,775$2,498$853
33 years$11,282$7,788$5,250$3,472$2,260$740
34 years$10,831$7,381$4,906$3,194$2,047$643
35 years$10,406$7,001$4,586$2,940$1,854$558
36 years$10,006$6,645$4,291$2,708$1,679$485
37 years$9,628$6,311$4,016$2,495$1,522$421
38 years$9,271$5,998$3,761$2,300$1,380$366
39 years$8,933$5,703$3,523$2,121$1,251$318
40 years$8,613$5,426$3,302$1,956$1,135$277
41 years$8,309$5,165$3,097$1,805$1,030$240
42 years$8,021$4,919$2,905$1,665$934$209
43 years$7,746$4,687$2,726$1,537$848$182
44 years$7,485$4,468$2,559$1,419$770$158
45 years$7,236$4,260$2,402$1,311$699$137
46 years$6,999$4,064$2,256$1,211$634$119
47 years$6,773$3,878$2,120$1,119$576$104
48 years$6,556$3,702$1,992$1,034$523$90
49 years$6,349$3,536$1,872$955$475$78
50 years$6,151$3,377$1,760$883$432$68

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 $3,997 every year, while hoping to spend $34,283 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: 43/32/25 Blend
51$6,300,000$6,300,000$6,300,000$6,300,000
52$6,946,723$6,612,823$6,515,173$7,194,644
53$7,618,812$6,900,374$6,696,954$7,659,371
54$8,358,305$7,200,867$6,883,676$8,158,979
55$9,172,041$7,514,898$7,075,469$8,699,624
56$10,067,555$7,843,095$7,272,463$9,285,123
57$11,053,151$8,186,112$7,474,796$9,919,665
58$12,137,977$8,544,636$7,682,606$10,607,851
59$13,332,114$8,919,385$7,896,036$11,354,737
60$14,646,668$9,311,114$8,115,232$12,165,876
61$16,093,879$9,720,610$8,340,344$13,047,371
62$17,687,233$10,148,698$8,571,524$14,005,930
63$19,441,591$10,596,244$8,808,929$15,048,925
64$21,373,326$11,064,153$9,052,721$16,184,460
65$23,500,482$11,553,373$9,303,064$17,421,448
66$25,842,940$12,064,898$9,560,126$18,769,685
67$28,422,610$12,599,767$9,824,080$20,239,949
68$31,263,632$13,159,072$10,095,103$21,844,089
69$34,392,609$13,743,953$10,373,375$23,595,142
70$37,838,854$14,355,606$10,659,082$25,507,447
71$41,634,670$14,995,283$10,952,414$27,596,781
72$45,815,651$15,664,296$11,253,564$29,880,501
73$50,421,020$16,364,020$11,562,732$32,377,706
74$55,494,001$17,095,894$11,880,120$35,109,414
75$61,082,222$17,861,425$12,205,937$38,098,755
76$67,238,168$18,662,194$12,540,395$41,371,184
77$74,019,675$19,499,856$12,883,713$44,954,719
78$81,490,478$20,376,145$13,236,113$48,880,202
79$89,720,808$21,292,877$13,597,824$53,181,581
80$98,788,058$22,251,956$13,969,078$57,896,229
81$108,777,512$23,255,374$14,350,115$63,065,291
82$119,783,153$24,305,222$14,741,179$68,734,064
83$131,908,545$25,403,688$15,142,518$74,952,423
84$145,267,813$26,553,065$15,554,389$81,775,284
85$159,986,722$27,755,757$15,977,053$89,263,115
86$176,203,859$29,014,281$16,410,776$97,482,502
87$194,071,946$30,331,275$16,855,831$106,506,771
88$213,759,281$31,709,503$17,312,497$116,416,670
89$235,451,321$33,151,862$17,781,059$127,301,128
90$259,352,440$34,661,388$18,261,809$139,258,082
91$285,687,854$36,241,261$18,755,044$152,395,398
92$314,705,746$37,894,813$19,261,069$166,831,878
93$346,679,611$39,625,538$19,780,194$182,698,374
94$381,910,838$41,437,096$20,312,737$200,139,013
95$420,731,552$43,333,322$20,859,022$219,312,546
96$463,507,752$45,318,236$21,419,381$240,393,842
97$510,642,763$47,396,051$21,994,151$263,575,522
98$562,581,049$49,571,182$22,583,679$289,069,771
99$619,812,401$51,848,254$23,188,317$317,110,325
100$682,876,565$54,232,118$23,808,425$347,954,670