Can I retire at age 52 with 6,400,000?

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 $6,400,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.6%
1 years$528,506$523,798$519,205$514,722$510,345$494,603
2 years$261,637$256,764$252,041$247,463$243,021$227,299
3 years$172,692$167,798$163,088$158,552$154,183$138,973
4 years$128,228$123,349$118,686$114,228$109,964$95,385
5 years$101,557$96,707$92,105$87,738$83,593$69,682
6 years$83,782$78,969$74,435$70,165$66,144$52,914
7 years$71,090$66,318$61,856$57,686$53,793$41,243
8 years$61,576$56,847$52,458$48,392$44,627$32,749
9 years$54,180$49,495$45,182$41,219$37,582$26,363
10 years$48,267$43,628$39,391$35,531$32,022$21,446
11 years$43,432$38,839$34,679$30,923$27,540$17,588
12 years$39,405$34,860$30,777$27,123$23,865$14,517
13 years$36,001$31,503$27,497$23,946$20,811$12,043
14 years$33,086$28,636$24,706$21,256$18,243$10,033
15 years$30,561$26,159$22,306$18,957$16,062$8,387
16 years$28,354$24,000$20,224$16,974$14,196$7,030
17 years$26,409$22,104$18,403$15,251$12,587$5,907
18 years$24,682$20,425$16,800$13,744$11,192$4,972
19 years$23,139$18,929$15,379$12,419$9,976$4,192
20 years$21,752$17,590$14,114$11,248$8,910$3,539
21 years$20,498$16,384$12,982$10,208$7,974$2,992
22 years$19,360$15,294$11,965$9,282$7,147$2,531
23 years$18,322$14,304$11,048$8,453$6,416$2,143
24 years$17,373$13,402$10,217$7,709$5,767$1,815
25 years$16,500$12,577$9,463$7,041$5,189$1,539
26 years$15,696$11,821$8,777$6,438$4,674$1,305
27 years$14,953$11,125$8,150$5,893$4,214$1,107
28 years$14,264$10,483$7,577$5,399$3,803$940
29 years$13,624$9,889$7,051$4,951$3,434$798
30 years$13,028$9,339$6,567$4,544$3,103$678
31 years$12,471$8,829$6,123$4,173$2,805$575
32 years$11,950$8,354$5,712$3,835$2,537$489
33 years$11,461$7,911$5,334$3,527$2,296$415
34 years$11,003$7,498$4,984$3,245$2,079$353
35 years$10,571$7,112$4,659$2,987$1,883$300
36 years$10,165$6,750$4,359$2,751$1,706$255
37 years$9,781$6,411$4,080$2,535$1,546$217
38 years$9,418$6,093$3,820$2,336$1,402$184
39 years$9,075$5,794$3,579$2,154$1,271$157
40 years$8,750$5,512$3,355$1,987$1,153$133
41 years$8,441$5,247$3,146$1,833$1,046$113
42 years$8,148$4,997$2,951$1,692$949$96
43 years$7,869$4,761$2,769$1,562$861$82
44 years$7,604$4,538$2,599$1,442$782$70
45 years$7,351$4,328$2,441$1,332$710$59
46 years$7,110$4,129$2,292$1,230$645$50
47 years$6,880$3,940$2,153$1,137$585$43
48 years$6,660$3,761$2,024$1,050$532$36
49 years$6,450$3,592$1,902$971$483$31
50 years$6,249$3,431$1,788$897$438$26

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $6,400,000, adding $2,316 every year, while hoping to spend $25,106 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: 57/16/27 Blend
51$6,400,000$6,400,000$6,400,000$6,400,000
52$7,055,189$6,715,989$6,616,789$7,405,061
53$7,748,106$7,018,360$6,811,739$7,947,642
54$8,510,858$7,334,705$7,012,378$8,535,904
55$9,350,544$7,665,684$7,218,871$9,176,581
56$10,274,982$8,011,985$7,431,386$9,874,749
57$11,292,790$8,374,332$7,650,096$10,635,991
58$12,413,461$8,753,481$7,875,181$11,466,446
59$13,647,458$9,150,225$8,106,824$12,372,871
60$15,006,309$9,565,397$8,345,213$13,362,699
61$16,502,718$9,999,866$8,590,542$14,444,111
62$18,150,681$10,454,546$8,843,012$15,626,108
63$19,965,625$10,930,393$9,102,827$16,918,596
64$21,964,546$11,428,410$9,370,199$18,332,480
65$24,166,173$11,949,645$9,645,344$19,879,761
66$26,591,145$12,495,200$9,928,485$21,573,650
67$29,262,205$13,066,228$10,219,853$23,428,690
68$32,204,414$13,663,937$10,519,682$25,460,892
69$35,445,388$14,289,595$10,828,216$27,687,883
70$39,015,560$14,944,527$11,145,703$30,129,072
71$42,948,464$15,630,125$11,472,401$32,805,827
72$47,281,053$16,347,848$11,808,573$35,741,680
73$52,054,050$17,099,221$12,154,489$38,962,540
74$57,312,328$17,885,848$12,510,429$42,496,943
75$63,105,336$18,709,405$12,876,679$46,376,310
76$69,487,566$19,571,652$13,253,534$50,635,248
77$76,519,067$20,474,432$13,641,296$55,311,869
78$84,266,009$21,419,676$14,040,277$60,448,150
79$92,801,312$22,409,411$14,450,797$66,090,323
80$102,205,332$23,445,758$14,873,184$72,289,311
81$112,566,618$24,530,942$15,307,778$79,101,203
82$123,982,749$25,667,294$15,754,925$86,587,782
83$136,561,258$26,857,260$16,214,983$94,817,102
84$150,420,641$28,103,400$16,688,319$103,864,130
85$165,691,480$29,408,401$17,175,312$113,811,444
86$182,517,675$30,775,076$17,676,348$124,750,015
87$201,057,800$32,206,377$18,191,828$136,780,056
88$221,486,602$33,705,396$18,722,161$150,011,967
89$243,996,651$35,275,376$19,267,769$164,567,371
90$268,800,155$36,919,715$19,829,085$180,580,255
91$296,130,965$38,641,976$20,406,554$198,198,233
92$326,246,784$40,445,893$21,000,634$217,583,933
93$359,431,595$42,335,381$21,611,795$238,916,525
94$395,998,348$44,314,545$22,240,520$262,393,409
95$436,291,909$46,387,687$22,887,307$288,232,070
96$480,692,318$48,559,318$23,552,665$316,672,127
97$529,618,375$50,834,165$24,237,120$347,977,584
98$583,531,596$53,217,186$24,941,211$382,439,321
99$642,940,569$55,713,578$25,665,492$420,377,830
100$708,405,753$58,328,789$26,410,531$462,146,229