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%15.8%
1 years$528,506$523,798$519,205$514,722$510,345$498,210
2 years$261,637$256,764$252,041$247,463$243,021$230,866
3 years$172,692$167,798$163,088$158,552$154,183$142,388
4 years$128,228$123,349$118,686$114,228$109,964$98,620
5 years$101,557$96,707$92,105$87,738$83,593$72,732
6 years$83,782$78,969$74,435$70,165$66,144$55,776
7 years$71,090$66,318$61,856$57,686$53,793$43,920
8 years$61,576$56,847$52,458$48,392$44,627$35,244
9 years$54,180$49,495$45,182$41,219$37,582$28,683
10 years$48,267$43,628$39,391$35,531$32,022$23,597
11 years$43,432$38,839$34,679$30,923$27,540$19,576
12 years$39,405$34,860$30,777$27,123$23,865$16,350
13 years$36,001$31,503$27,497$23,946$20,811$13,730
14 years$33,086$28,636$24,706$21,256$18,243$11,581
15 years$30,561$26,159$22,306$18,957$16,062$9,804
16 years$28,354$24,000$20,224$16,974$14,196$8,325
17 years$26,409$22,104$18,403$15,251$12,587$7,087
18 years$24,682$20,425$16,800$13,744$11,192$6,046
19 years$23,139$18,929$15,379$12,419$9,976$5,167
20 years$21,752$17,590$14,114$11,248$8,910$4,422
21 years$20,498$16,384$12,982$10,208$7,974$3,790
22 years$19,360$15,294$11,965$9,282$7,147$3,251
23 years$18,322$14,304$11,048$8,453$6,416$2,792
24 years$17,373$13,402$10,217$7,709$5,767$2,399
25 years$16,500$12,577$9,463$7,041$5,189$2,063
26 years$15,696$11,821$8,777$6,438$4,674$1,776
27 years$14,953$11,125$8,150$5,893$4,214$1,529
28 years$14,264$10,483$7,577$5,399$3,803$1,317
29 years$13,624$9,889$7,051$4,951$3,434$1,134
30 years$13,028$9,339$6,567$4,544$3,103$978
31 years$12,471$8,829$6,123$4,173$2,805$843
32 years$11,950$8,354$5,712$3,835$2,537$727
33 years$11,461$7,911$5,334$3,527$2,296$627
34 years$11,003$7,498$4,984$3,245$2,079$541
35 years$10,571$7,112$4,659$2,987$1,883$466
36 years$10,165$6,750$4,359$2,751$1,706$403
37 years$9,781$6,411$4,080$2,535$1,546$347
38 years$9,418$6,093$3,820$2,336$1,402$300
39 years$9,075$5,794$3,579$2,154$1,271$259
40 years$8,750$5,512$3,355$1,987$1,153$223
41 years$8,441$5,247$3,146$1,833$1,046$193
42 years$8,148$4,997$2,951$1,692$949$166
43 years$7,869$4,761$2,769$1,562$861$144
44 years$7,604$4,538$2,599$1,442$782$124
45 years$7,351$4,328$2,441$1,332$710$107
46 years$7,110$4,129$2,292$1,230$645$92
47 years$6,880$3,940$2,153$1,137$585$80
48 years$6,660$3,761$2,024$1,050$532$69
49 years$6,450$3,592$1,902$971$483$60
50 years$6,249$3,431$1,788$897$438$51

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 $5,059 every year, while hoping to spend $45,708 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: 55/17/28 Blend
51$6,400,000$6,400,000$6,400,000$6,400,000
52$7,058,018$6,718,818$6,619,618$7,391,232
53$7,729,303$6,999,408$6,792,743$7,902,209
54$8,467,527$7,292,214$6,970,135$8,453,309
55$9,279,470$7,597,787$7,151,889$9,052,633
56$10,172,601$7,916,703$7,338,102$9,704,839
57$11,155,150$8,249,566$7,528,872$10,415,050
58$12,236,184$8,597,004$7,724,299$11,188,904
59$13,425,696$8,959,677$7,924,483$12,032,604
60$14,734,692$9,338,277$8,129,529$12,952,975
61$16,175,302$9,733,524$8,339,540$13,957,526
62$17,760,892$10,146,175$8,554,623$15,054,526
63$19,506,186$10,577,021$8,774,886$16,253,071
64$21,427,411$11,026,889$9,000,439$17,563,175
65$23,542,446$11,496,646$9,231,393$18,995,862
66$25,870,993$11,987,199$9,467,862$20,563,268
67$28,434,758$12,499,496$9,709,959$22,278,751
68$31,257,663$13,034,531$9,957,802$24,157,022
69$34,366,065$13,593,342$10,211,509$26,214,275
70$37,789,007$14,177,020$10,471,198$28,468,342
71$41,558,494$14,786,702$10,736,991$30,938,859
72$45,709,791$15,423,582$11,009,011$33,647,450
73$50,281,759$16,088,906$11,287,383$36,617,926
74$55,317,220$16,783,984$11,572,231$39,876,512
75$60,863,358$17,510,181$11,863,683$43,452,087
76$66,972,173$18,268,932$12,161,868$47,376,459
77$73,700,960$19,061,735$12,466,916$51,684,663
78$81,112,858$19,890,161$12,778,958$56,415,285
79$89,277,444$20,755,853$13,098,128$61,610,826
80$98,271,386$21,660,533$13,424,558$67,318,102
81$108,179,172$22,606,003$13,758,385$73,588,680
82$119,093,900$23,594,150$14,099,743$80,479,365
83$131,118,165$24,626,950$14,448,772$88,052,731
84$144,365,021$25,706,474$14,805,609$96,377,710
85$158,959,050$26,834,888$15,170,393$105,530,238
86$175,037,536$28,014,460$15,543,265$115,593,968
87$192,751,765$29,247,569$15,924,365$126,661,060
88$212,268,448$30,536,703$16,313,834$138,833,042
89$233,771,296$31,884,468$16,711,814$152,221,768
90$257,462,757$33,293,596$17,118,448$166,950,469
91$283,565,920$34,766,944$17,533,878$183,154,912
92$312,326,628$36,307,508$17,958,247$200,984,677
93$344,015,793$37,918,425$18,391,697$220,604,565
94$378,931,955$39,602,979$18,834,371$242,196,150
95$417,404,103$41,364,614$19,286,410$265,959,485
96$459,794,774$43,206,933$19,747,958$292,114,991
97$506,503,481$45,133,712$20,219,154$320,905,524
98$557,970,479$47,148,907$20,700,139$352,598,671
99$614,680,926$49,256,661$21,191,051$387,489,266
100$677,169,458$51,461,315$21,692,029$425,902,165