Can I retire at age 52 with 6,600,000?

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 $6,600,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.8%
1 years$545,022$540,167$535,431$530,807$526,293$505,612
2 years$269,813$264,788$259,918$255,196$250,616$230,033
3 years$178,088$173,042$168,184$163,506$159,001$139,164
4 years$132,235$127,204$122,395$117,797$113,401$94,461
5 years$104,731$99,729$94,983$90,480$86,206$68,212
6 years$86,400$81,437$76,761$72,357$68,211$51,175
7 years$73,312$68,390$63,789$59,489$55,474$39,389
8 years$63,500$58,623$54,098$49,904$46,021$30,872
9 years$55,873$51,042$46,594$42,507$38,757$24,520
10 years$49,775$44,991$40,622$36,641$33,022$19,671
11 years$44,789$40,053$35,763$31,889$28,400$15,903
12 years$40,637$35,949$31,739$27,971$24,611$12,935
13 years$37,126$32,488$28,356$24,694$21,461$10,572
14 years$34,119$29,530$25,478$21,921$18,813$8,673
15 years$31,516$26,977$23,004$19,549$16,564$7,137
16 years$29,240$24,750$20,856$17,504$14,640$5,888
17 years$27,235$22,794$18,978$15,728$12,981$4,868
18 years$25,454$21,063$17,325$14,174$11,542$4,031
19 years$23,862$19,521$15,860$12,807$10,287$3,342
20 years$22,431$18,140$14,555$11,599$9,189$2,775
21 years$21,139$16,896$13,388$10,527$8,223$2,306
22 years$19,965$15,772$12,339$9,572$7,371$1,917
23 years$18,895$14,751$11,393$8,717$6,616$1,595
24 years$17,915$13,821$10,537$7,950$5,947$1,328
25 years$17,016$12,970$9,759$7,261$5,351$1,106
26 years$16,187$12,190$9,051$6,639$4,820$922
27 years$15,420$11,472$8,405$6,077$4,346$768
28 years$14,710$10,810$7,813$5,568$3,921$640
29 years$14,050$10,198$7,271$5,106$3,541$534
30 years$13,435$9,631$6,773$4,686$3,199$445
31 years$12,861$9,105$6,314$4,303$2,893$371
32 years$12,323$8,615$5,891$3,955$2,617$310
33 years$11,820$8,158$5,500$3,637$2,368$259
34 years$11,347$7,732$5,139$3,346$2,144$216
35 years$10,902$7,334$4,805$3,080$1,942$180
36 years$10,482$6,961$4,495$2,837$1,759$150
37 years$10,087$6,611$4,207$2,614$1,595$125
38 years$9,713$6,283$3,940$2,409$1,446$105
39 years$9,359$5,975$3,691$2,221$1,311$87
40 years$9,023$5,684$3,460$2,049$1,189$73
41 years$8,705$5,411$3,244$1,890$1,079$61
42 years$8,403$5,153$3,043$1,745$979$51
43 years$8,115$4,910$2,856$1,611$888$42
44 years$7,842$4,680$2,680$1,487$806$35
45 years$7,581$4,463$2,517$1,373$732$30
46 years$7,332$4,258$2,364$1,269$665$25
47 years$7,095$4,063$2,221$1,172$604$21
48 years$6,868$3,879$2,087$1,083$548$17
49 years$6,651$3,704$1,962$1,001$498$14
50 years$6,444$3,538$1,844$925$452$12

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $6,600,000, adding $5,710 every year, while hoping to spend $38,494 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: 60/17/23 Blend
51$6,600,000$6,600,000$6,600,000$6,600,000
52$7,279,090$6,929,290$6,826,990$7,670,989
53$7,980,600$7,227,868$7,014,737$8,236,320
54$8,752,373$7,539,786$7,207,483$8,848,157
55$9,601,537$7,865,657$7,405,355$9,514,875
56$10,535,943$8,206,123$7,608,484$10,241,810
57$11,564,242$8,561,856$7,817,001$11,034,834
58$12,695,968$8,933,560$8,031,043$11,900,408
59$13,941,622$9,321,970$8,250,749$12,845,642
60$15,312,780$9,727,859$8,476,261$13,878,359
61$16,822,192$10,152,033$8,707,725$15,007,169
62$18,483,911$10,595,338$8,945,289$16,241,550
63$20,313,420$11,058,659$9,189,106$17,591,934
64$22,327,779$11,542,924$9,439,332$19,069,803
65$24,545,789$12,049,103$9,696,125$20,687,799
66$26,988,163$12,578,213$9,959,649$22,459,839
67$29,677,729$13,131,319$10,230,071$24,401,245
68$32,639,639$13,709,535$10,507,560$26,528,888
69$35,901,610$14,314,030$10,792,290$28,861,342
70$39,494,182$14,946,026$11,084,440$31,419,064
71$43,451,011$15,606,803$11,384,191$34,224,577
72$47,809,182$16,297,704$11,691,729$37,302,685
73$52,609,560$17,020,133$12,007,244$40,680,706
74$57,897,178$17,775,563$12,330,930$44,388,721
75$63,721,658$18,565,534$12,662,984$48,459,865
76$70,137,684$19,391,661$13,003,610$52,930,630
77$77,205,510$20,255,635$13,353,014$57,841,208
78$84,991,539$21,159,229$13,711,407$63,235,870
79$93,568,942$22,104,296$14,079,005$69,163,379
80$103,018,350$23,092,783$14,456,028$75,677,448
81$113,428,618$24,126,725$14,842,700$82,837,243
82$124,897,657$25,208,255$15,239,252$90,707,942
83$137,533,368$26,339,609$15,645,916$99,361,339
84$151,454,650$27,523,128$16,062,933$108,876,527
85$166,792,528$28,761,266$16,490,545$119,340,635
86$183,691,389$30,056,591$16,929,001$130,849,650
87$202,310,344$31,411,797$17,378,556$143,509,315
88$222,824,728$32,829,705$17,839,467$157,436,129
89$245,427,760$34,313,270$18,311,999$172,758,436
90$270,332,361$35,865,589$18,796,420$189,617,637
91$297,773,167$37,489,908$19,293,005$208,169,517
92$328,008,742$39,189,626$19,802,033$228,585,712
93$361,324,022$40,968,305$20,323,789$251,055,325
94$398,032,999$42,829,679$20,858,563$275,786,702
95$438,481,691$44,777,659$21,406,650$303,009,399
96$483,051,402$46,816,344$21,968,352$332,976,337
97$532,162,329$48,950,028$22,543,976$365,966,188
98$586,277,520$51,183,213$23,133,833$402,285,999
99$645,907,252$53,520,616$23,738,241$442,274,079
100$711,613,843$55,967,177$24,357,524$486,303,195