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

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 $6,400,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.6%
1 years$528,506$523,798$519,205$514,722$510,345$504,805
2 years$261,637$256,764$252,041$247,463$243,021$237,444
3 years$172,692$167,798$163,088$158,552$154,183$148,740
4 years$128,228$123,349$118,686$114,228$109,964$104,699
5 years$101,557$96,707$92,105$87,738$83,593$78,520
6 years$83,782$78,969$74,435$70,165$66,144$61,270
7 years$71,090$66,318$61,856$57,686$53,793$49,119
8 years$61,576$56,847$52,458$48,392$44,627$40,153
9 years$54,180$49,495$45,182$41,219$37,582$33,307
10 years$48,267$43,628$39,391$35,531$32,022$27,942
11 years$43,432$38,839$34,679$30,923$27,540$23,653
12 years$39,405$34,860$30,777$27,123$23,865$20,167
13 years$36,001$31,503$27,497$23,946$20,811$17,297
14 years$33,086$28,636$24,706$21,256$18,243$14,907
15 years$30,561$26,159$22,306$18,957$16,062$12,901
16 years$28,354$24,000$20,224$16,974$14,196$11,203
17 years$26,409$22,104$18,403$15,251$12,587$9,757
18 years$24,682$20,425$16,800$13,744$11,192$8,519
19 years$23,139$18,929$15,379$12,419$9,976$7,454
20 years$21,752$17,590$14,114$11,248$8,910$6,534
21 years$20,498$16,384$12,982$10,208$7,974$5,737
22 years$19,360$15,294$11,965$9,282$7,147$5,044
23 years$18,322$14,304$11,048$8,453$6,416$4,440
24 years$17,373$13,402$10,217$7,709$5,767$3,913
25 years$16,500$12,577$9,463$7,041$5,189$3,451
26 years$15,696$11,821$8,777$6,438$4,674$3,047
27 years$14,953$11,125$8,150$5,893$4,214$2,691
28 years$14,264$10,483$7,577$5,399$3,803$2,379
29 years$13,624$9,889$7,051$4,951$3,434$2,104
30 years$13,028$9,339$6,567$4,544$3,103$1,862
31 years$12,471$8,829$6,123$4,173$2,805$1,648
32 years$11,950$8,354$5,712$3,835$2,537$1,459
33 years$11,461$7,911$5,334$3,527$2,296$1,293
34 years$11,003$7,498$4,984$3,245$2,079$1,145
35 years$10,571$7,112$4,659$2,987$1,883$1,015
36 years$10,165$6,750$4,359$2,751$1,706$900
37 years$9,781$6,411$4,080$2,535$1,546$798
38 years$9,418$6,093$3,820$2,336$1,402$708
39 years$9,075$5,794$3,579$2,154$1,271$628
40 years$8,750$5,512$3,355$1,987$1,153$557
41 years$8,441$5,247$3,146$1,833$1,046$494
42 years$8,148$4,997$2,951$1,692$949$438
43 years$7,869$4,761$2,769$1,562$861$389
44 years$7,604$4,538$2,599$1,442$782$345
45 years$7,351$4,328$2,441$1,332$710$306
46 years$7,110$4,129$2,292$1,230$645$272
47 years$6,880$3,940$2,153$1,137$585$241
48 years$6,660$3,761$2,024$1,050$532$214
49 years$6,450$3,592$1,902$971$483$190
50 years$6,249$3,431$1,788$897$438$169

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 $2,241 every year, while hoping to spend $57,716 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: 50/37/13 Blend
51$6,400,000$6,400,000$6,400,000$6,400,000
52$7,055,112$6,715,912$6,616,712$7,382,832
53$7,713,324$6,983,582$6,776,962$7,875,610
54$8,436,739$7,262,434$6,940,647$8,404,577
55$9,231,947$7,552,954$7,107,819$8,978,103
56$10,106,208$7,855,651$7,278,534$9,600,395
57$11,067,521$8,171,058$7,452,844$10,276,073
58$12,124,698$8,499,729$7,630,804$11,010,215
59$13,287,449$8,842,247$7,812,467$11,808,405
60$14,566,469$9,199,218$7,997,886$12,676,780
61$15,973,547$9,571,277$8,187,113$13,622,087
62$17,521,667$9,959,088$8,380,199$14,651,747
63$19,225,138$10,363,345$8,577,197$15,773,919
64$21,099,725$10,784,772$8,778,156$16,997,579
65$23,162,800$11,224,128$8,983,127$18,332,599
66$25,433,501$11,682,207$9,192,158$19,789,840
67$27,932,919$12,159,836$9,405,296$21,381,250
68$30,684,292$12,657,882$9,622,588$23,119,977
69$33,713,224$13,177,253$9,844,080$25,020,487
70$37,047,930$13,718,896$10,069,814$27,098,700
71$40,719,499$14,283,802$10,299,832$29,372,136
72$44,762,188$14,873,008$10,534,176$31,860,080
73$49,213,743$15,487,597$10,772,883$34,583,755
74$54,115,760$16,128,705$11,015,990$37,566,527
75$59,514,073$16,797,517$11,263,531$40,834,114
76$65,459,186$17,495,273$11,515,537$44,414,831
77$72,006,754$18,223,272$11,772,038$48,339,851
78$79,218,101$18,982,870$12,033,060$52,643,496
79$87,160,806$19,775,489$12,298,626$57,363,554
80$95,909,333$20,602,614$12,568,755$62,541,636
81$105,545,742$21,465,799$12,843,465$68,223,562
82$116,160,455$22,366,669$13,122,768$74,459,788
83$127,853,113$23,306,928$13,406,673$81,305,879
84$140,733,517$24,288,354$13,695,183$88,823,026
85$154,922,663$25,312,811$13,988,299$97,078,621
86$170,553,884$26,382,248$14,286,016$106,146,888
87$187,774,106$27,498,704$14,588,324$116,109,572
88$206,745,238$28,664,314$14,895,206$127,056,713
89$227,645,698$29,881,311$15,206,641$139,087,484
90$250,672,097$31,152,033$15,522,601$152,311,120
91$276,041,095$32,478,926$15,843,052$166,847,946
92$303,991,444$33,864,551$16,167,952$182,830,505
93$334,786,245$35,311,588$16,497,252$200,404,798
94$368,715,427$36,822,841$16,830,895$219,731,659
95$406,098,487$38,401,247$17,168,816$240,988,260
96$447,287,503$40,049,878$17,510,942$264,369,780
97$492,670,458$41,771,951$17,857,188$290,091,236
98$542,674,902$43,570,835$18,207,462$318,389,503
99$597,771,990$45,450,054$18,561,660$349,525,542
100$658,480,925$47,413,298$18,919,667$383,786,851