Can I retire at age 52 with 6,500,000?

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 $6,500,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.5%
1 years$536,764$531,983$527,318$522,765$518,319$515,053
2 years$265,725$260,776$255,980$251,329$246,819$243,524
3 years$175,390$170,420$165,636$161,029$156,592$153,370
4 years$130,232$125,277$120,540$116,012$111,683$108,560
5 years$103,144$98,218$93,544$89,109$84,899$81,884
6 years$85,091$80,203$75,598$71,261$67,178$64,274
7 years$72,201$67,354$62,822$58,588$54,634$51,843
8 years$62,538$57,735$53,278$49,148$45,324$42,646
9 years$55,027$50,269$45,888$41,863$38,169$35,604
10 years$49,021$44,309$40,007$36,086$32,522$30,067
11 years$44,110$39,446$35,221$31,406$27,970$25,625
12 years$40,021$35,405$31,258$27,547$24,238$22,000
13 years$36,563$31,995$27,927$24,320$21,136$19,003
14 years$33,602$29,083$25,092$21,589$18,528$16,497
15 years$31,039$26,568$22,655$19,253$16,313$14,383
16 years$28,797$24,375$20,540$17,239$14,418$12,584
17 years$26,822$22,449$18,691$15,489$12,784$11,044
18 years$25,068$20,744$17,062$13,959$11,367$9,718
19 years$23,500$19,225$15,620$12,613$10,132$8,571
20 years$22,091$17,865$14,335$11,424$9,050$7,574
21 years$20,818$16,640$13,185$10,368$8,098$6,704
22 years$19,662$15,533$12,152$9,427$7,259$5,943
23 years$18,609$14,528$11,221$8,585$6,516$5,276
24 years$17,644$13,612$10,377$7,830$5,857$4,689
25 years$16,758$12,774$9,611$7,151$5,270$4,171
26 years$15,941$12,005$8,914$6,538$4,747$3,714
27 years$15,187$11,299$8,277$5,985$4,280$3,309
28 years$14,487$10,647$7,695$5,483$3,862$2,951
29 years$13,837$10,044$7,161$5,028$3,487$2,633
30 years$13,231$9,485$6,670$4,615$3,151$2,351
31 years$12,666$8,967$6,218$4,238$2,849$2,100
32 years$12,137$8,484$5,802$3,895$2,577$1,876
33 years$11,641$8,035$5,417$3,582$2,332$1,677
34 years$11,175$7,615$5,061$3,296$2,111$1,500
35 years$10,736$7,223$4,732$3,034$1,912$1,342
36 years$10,324$6,856$4,427$2,794$1,733$1,201
37 years$9,934$6,511$4,143$2,574$1,570$1,074
38 years$9,565$6,188$3,880$2,373$1,424$962
39 years$9,217$5,884$3,635$2,188$1,291$861
40 years$8,887$5,598$3,407$2,018$1,171$771
41 years$8,573$5,329$3,195$1,862$1,062$691
42 years$8,275$5,075$2,997$1,718$964$619
43 years$7,992$4,836$2,812$1,586$875$554
44 years$7,723$4,609$2,640$1,465$794$497
45 years$7,466$4,395$2,479$1,353$721$445
46 years$7,221$4,193$2,328$1,249$655$399
47 years$6,988$4,002$2,187$1,154$594$357
48 years$6,764$3,820$2,055$1,067$540$320
49 years$6,551$3,648$1,932$986$490$287
50 years$6,346$3,485$1,816$911$445$257

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $6,500,000, adding $4,062 every year, while hoping to spend $30,937 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: 29/41/30 Blend
51$6,500,000$6,500,000$6,500,000$6,500,000
52$7,167,190$6,822,690$6,721,940$7,308,749
53$7,865,327$7,124,085$6,914,208$7,723,315
54$8,633,636$7,439,212$7,111,881$8,165,734
55$9,479,244$7,768,710$7,315,105$8,640,761
56$10,410,001$8,113,250$7,524,035$9,151,240
57$11,434,556$8,473,535$7,738,826$9,700,287
58$12,562,443$8,850,300$7,959,638$10,291,313
59$13,804,163$9,244,316$8,186,637$10,928,057
60$15,171,290$9,656,389$8,419,992$11,614,618
61$16,676,575$10,087,366$8,659,875$12,355,489
62$18,334,071$10,538,132$8,906,466$13,155,596
63$20,159,260$11,009,615$9,159,947$14,020,344
64$22,169,205$11,502,786$9,420,505$14,955,661
65$24,382,706$12,018,665$9,688,334$15,968,053
66$26,820,479$12,558,317$9,963,631$17,064,661
67$29,505,354$13,122,860$10,246,598$18,253,324
68$32,462,485$13,713,465$10,537,444$19,542,650
69$35,719,592$14,331,359$10,836,383$20,942,091
70$39,307,222$14,977,826$11,143,632$22,462,029
71$43,259,032$15,654,214$11,459,418$24,113,871
72$47,612,116$16,361,933$11,783,971$25,910,147
73$52,407,345$17,102,460$12,117,527$27,864,631
74$57,689,759$17,877,346$12,460,329$29,992,456
75$63,508,990$18,688,212$12,812,626$32,310,260
76$69,919,732$19,536,759$13,174,674$34,836,332
77$76,982,253$20,424,769$13,546,734$37,590,781
78$84,762,969$21,354,109$13,929,076$40,595,717
79$93,335,067$22,326,735$14,321,975$43,875,457
80$102,779,196$23,344,697$14,725,713$47,456,745
81$113,184,231$24,410,144$15,140,581$51,368,997
82$124,648,108$25,525,327$15,566,877$55,644,573
83$137,278,752$26,692,605$16,004,904$60,319,071
84$151,195,093$27,914,451$16,454,976$65,431,661
85$166,528,189$29,193,455$16,917,414$71,025,439
86$183,422,463$30,532,333$17,392,546$77,147,831
87$202,037,067$31,933,931$17,880,710$83,851,027
88$222,547,385$33,401,230$18,382,251$91,192,466
89$245,146,685$34,937,358$18,897,523$99,235,367
90$270,047,947$36,545,588$19,426,890$108,049,315
91$297,485,872$38,229,356$19,970,724$117,710,910
92$327,719,095$39,992,258$20,529,408$128,304,471
93$361,032,631$41,838,068$21,103,332$139,922,827
94$397,740,563$43,770,736$21,692,897$152,668,179
95$438,189,006$45,794,408$22,298,514$166,653,045
96$482,759,375$47,913,425$22,920,605$182,001,319
97$531,871,988$50,132,339$23,559,602$198,849,417
98$585,990,028$52,455,922$24,215,947$217,347,552
99$645,623,923$54,889,173$24,890,092$237,661,138
100$711,336,156$57,437,336$25,582,503$259,972,332