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%16%
1 years$536,764$531,983$527,318$522,765$518,319$505,584
2 years$265,725$260,776$255,980$251,329$246,819$234,067
3 years$175,390$170,420$165,636$161,029$156,592$144,222
4 years$130,232$125,277$120,540$116,012$111,683$99,790
5 years$103,144$98,218$93,544$89,109$84,899$73,517
6 years$85,091$80,203$75,598$71,261$67,178$56,317
7 years$72,201$67,354$62,822$58,588$54,634$44,296
8 years$62,538$57,735$53,278$49,148$45,324$35,504
9 years$55,027$50,269$45,888$41,863$38,169$28,860
10 years$49,021$44,309$40,007$36,086$32,522$23,712
11 years$44,110$39,446$35,221$31,406$27,970$19,647
12 years$40,021$35,405$31,258$27,547$24,238$16,388
13 years$36,563$31,995$27,927$24,320$21,136$13,744
14 years$33,602$29,083$25,092$21,589$18,528$11,577
15 years$31,039$26,568$22,655$19,253$16,313$9,787
16 years$28,797$24,375$20,540$17,239$14,418$8,298
17 years$26,822$22,449$18,691$15,489$12,784$7,054
18 years$25,068$20,744$17,062$13,959$11,367$6,009
19 years$23,500$19,225$15,620$12,613$10,132$5,127
20 years$22,091$17,865$14,335$11,424$9,050$4,382
21 years$20,818$16,640$13,185$10,368$8,098$3,749
22 years$19,662$15,533$12,152$9,427$7,259$3,212
23 years$18,609$14,528$11,221$8,585$6,516$2,754
24 years$17,644$13,612$10,377$7,830$5,857$2,363
25 years$16,758$12,774$9,611$7,151$5,270$2,029
26 years$15,941$12,005$8,914$6,538$4,747$1,743
27 years$15,187$11,299$8,277$5,985$4,280$1,498
28 years$14,487$10,647$7,695$5,483$3,862$1,288
29 years$13,837$10,044$7,161$5,028$3,487$1,108
30 years$13,231$9,485$6,670$4,615$3,151$953
31 years$12,666$8,967$6,218$4,238$2,849$821
32 years$12,137$8,484$5,802$3,895$2,577$706
33 years$11,641$8,035$5,417$3,582$2,332$608
34 years$11,175$7,615$5,061$3,296$2,111$524
35 years$10,736$7,223$4,732$3,034$1,912$451
36 years$10,324$6,856$4,427$2,794$1,733$389
37 years$9,934$6,511$4,143$2,574$1,570$335
38 years$9,565$6,188$3,880$2,373$1,424$288
39 years$9,217$5,884$3,635$2,188$1,291$249
40 years$8,887$5,598$3,407$2,018$1,171$214
41 years$8,573$5,329$3,195$1,862$1,062$185
42 years$8,275$5,075$2,997$1,718$964$159
43 years$7,992$4,836$2,812$1,586$875$137
44 years$7,723$4,609$2,640$1,465$794$118
45 years$7,466$4,395$2,479$1,353$721$102
46 years$7,221$4,193$2,328$1,249$655$88
47 years$6,988$4,002$2,187$1,154$594$76
48 years$6,764$3,820$2,055$1,067$540$65
49 years$6,551$3,648$1,932$986$490$56
50 years$6,346$3,485$1,816$911$445$48

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 $3,276 every year, while hoping to spend $46,099 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: 56/29/15 Blend
51$6,500,000$6,500,000$6,500,000$6,500,000
52$7,166,379$6,821,879$6,721,129$7,539,485
53$7,848,301$7,107,102$6,897,238$8,078,384
54$8,598,234$7,404,756$7,077,701$8,659,827
55$9,423,066$7,715,402$7,262,617$9,292,137
56$10,330,387$8,039,625$7,452,083$9,980,192
57$11,328,559$8,378,039$7,646,200$10,729,355
58$12,426,795$8,731,286$7,845,071$11,545,524
59$13,635,248$9,100,039$8,048,801$12,435,183
60$14,965,101$9,484,999$8,257,494$13,405,466
61$16,428,680$9,886,902$8,471,258$14,464,218
62$18,039,564$10,306,519$8,690,204$15,620,072
63$19,812,716$10,744,655$8,914,442$16,882,523
64$21,764,622$11,202,152$9,144,085$18,262,020
65$23,913,449$11,679,893$9,379,248$19,770,060
66$26,279,215$12,178,802$9,620,047$21,419,296
67$28,883,977$12,699,846$9,866,600$23,223,651
68$31,752,040$13,244,035$10,119,028$25,198,453
69$34,910,185$13,812,429$10,377,452$27,360,568
70$38,387,922$14,406,137$10,641,996$29,728,566
71$42,217,772$15,026,319$10,912,784$32,322,887
72$46,435,565$15,674,190$11,189,943$35,166,034
73$51,080,789$16,351,021$11,473,602$38,282,780
74$56,196,952$17,058,144$11,763,891$41,700,402
75$61,832,001$17,796,952$12,060,941$45,448,932
76$68,038,768$18,568,906$12,364,885$49,561,440
77$74,875,472$19,375,532$12,675,858$54,074,340
78$82,406,267$20,218,430$12,993,997$59,027,730
79$90,701,849$21,099,276$13,319,438$64,465,769
80$99,840,119$22,019,822$13,652,321$70,437,088
81$109,906,924$22,981,906$13,992,786$76,995,243
82$120,996,860$23,987,449$14,340,975$84,199,220
83$133,214,172$25,038,467$14,697,030$92,113,985
84$146,673,733$26,137,067$15,061,096$100,811,093
85$161,502,128$27,285,457$15,433,316$110,369,355
86$177,838,850$28,485,950$15,813,838$120,875,584
87$195,837,619$29,740,968$16,202,808$132,425,402
88$215,667,827$31,053,046$16,600,373$145,124,139
89$237,516,142$32,424,842$17,006,682$159,087,822
90$261,588,266$33,859,137$17,421,883$174,444,265
91$288,110,880$35,358,844$17,846,126$191,334,266
92$317,333,779$36,927,017$18,279,561$209,912,932
93$349,532,234$38,566,851$18,722,336$230,351,133
94$385,009,591$40,281,695$19,174,603$252,837,113
95$424,100,127$42,075,056$19,636,510$277,578,251
96$467,172,214$43,950,608$20,108,207$304,803,017
97$514,631,791$45,912,199$20,589,843$334,763,120
98$566,926,197$47,963,860$21,081,566$367,735,871
99$624,548,394$50,109,815$21,583,524$404,026,795
100$688,041,621$52,354,486$22,095,863$443,972,503