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%19.6%
1 years$545,022$540,167$535,431$530,807$526,293$506,012
2 years$269,813$264,788$259,918$255,196$250,616$230,424
3 years$178,088$173,042$168,184$163,506$159,001$139,535
4 years$132,235$127,204$122,395$117,797$113,401$94,809
5 years$104,731$99,729$94,983$90,480$86,206$68,535
6 years$86,400$81,437$76,761$72,357$68,211$51,474
7 years$73,312$68,390$63,789$59,489$55,474$39,665
8 years$63,500$58,623$54,098$49,904$46,021$31,125
9 years$55,873$51,042$46,594$42,507$38,757$24,751
10 years$49,775$44,991$40,622$36,641$33,022$19,882
11 years$44,789$40,053$35,763$31,889$28,400$16,095
12 years$40,637$35,949$31,739$27,971$24,611$13,109
13 years$37,126$32,488$28,356$24,694$21,461$10,728
14 years$34,119$29,530$25,478$21,921$18,813$8,814
15 years$31,516$26,977$23,004$19,549$16,564$7,263
16 years$29,240$24,750$20,856$17,504$14,640$6,001
17 years$27,235$22,794$18,978$15,728$12,981$4,968
18 years$25,454$21,063$17,325$14,174$11,542$4,120
19 years$23,862$19,521$15,860$12,807$10,287$3,422
20 years$22,431$18,140$14,555$11,599$9,189$2,845
21 years$21,139$16,896$13,388$10,527$8,223$2,368
22 years$19,965$15,772$12,339$9,572$7,371$1,972
23 years$18,895$14,751$11,393$8,717$6,616$1,643
24 years$17,915$13,821$10,537$7,950$5,947$1,370
25 years$17,016$12,970$9,759$7,261$5,351$1,143
26 years$16,187$12,190$9,051$6,639$4,820$954
27 years$15,420$11,472$8,405$6,077$4,346$796
28 years$14,710$10,810$7,813$5,568$3,921$665
29 years$14,050$10,198$7,271$5,106$3,541$555
30 years$13,435$9,631$6,773$4,686$3,199$464
31 years$12,861$9,105$6,314$4,303$2,893$388
32 years$12,323$8,615$5,891$3,955$2,617$324
33 years$11,820$8,158$5,500$3,637$2,368$271
34 years$11,347$7,732$5,139$3,346$2,144$226
35 years$10,902$7,334$4,805$3,080$1,942$189
36 years$10,482$6,961$4,495$2,837$1,759$158
37 years$10,087$6,611$4,207$2,614$1,595$132
38 years$9,713$6,283$3,940$2,409$1,446$110
39 years$9,359$5,975$3,691$2,221$1,311$92
40 years$9,023$5,684$3,460$2,049$1,189$77
41 years$8,705$5,411$3,244$1,890$1,079$65
42 years$8,403$5,153$3,043$1,745$979$54
43 years$8,115$4,910$2,856$1,611$888$45
44 years$7,842$4,680$2,680$1,487$806$38
45 years$7,581$4,463$2,517$1,373$732$32
46 years$7,332$4,258$2,364$1,269$665$26
47 years$7,095$4,063$2,221$1,172$604$22
48 years$6,868$3,879$2,087$1,083$548$18
49 years$6,651$3,704$1,962$1,001$498$15
50 years$6,444$3,538$1,844$925$452$13

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 $6,034 every year, while hoping to spend $46,117 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: 57/30/13 Blend
51$6,600,000$6,600,000$6,600,000$6,600,000
52$7,279,424$6,929,624$6,827,324$7,670,055
53$7,972,857$7,220,108$7,006,971$8,225,448
54$8,735,475$7,523,279$7,191,091$8,824,743
55$9,574,285$7,839,712$7,379,784$9,476,690
56$10,497,010$8,170,005$7,573,155$10,186,340
57$11,512,156$8,514,786$7,771,306$10,959,250
58$12,629,097$8,874,712$7,974,346$11,801,529
59$13,858,161$9,250,469$8,182,383$12,719,894
60$15,210,728$9,642,776$8,395,527$13,721,735
61$16,699,336$10,052,386$8,613,892$14,815,181
62$18,337,801$10,480,087$8,837,590$16,009,172
63$20,141,347$10,926,701$9,066,739$17,313,545
64$22,126,747$11,393,091$9,301,457$18,739,126
65$24,312,483$11,880,161$9,541,864$20,297,822
66$26,718,922$12,388,854$9,788,082$22,002,743
67$29,368,504$12,920,161$10,040,236$23,868,310
68$32,285,958$13,475,115$10,298,450$25,910,400
69$35,498,531$14,054,801$10,562,853$28,146,487
70$39,036,247$14,660,352$10,833,575$30,595,804
71$42,932,192$15,292,957$11,110,748$33,279,525
72$47,222,822$15,953,859$11,394,504$36,220,960
73$51,948,311$16,644,358$11,684,980$39,445,770
74$57,152,924$17,365,818$11,982,313$42,982,210
75$62,885,444$18,119,664$12,286,642$46,861,387
76$69,199,623$18,907,392$12,598,108$51,117,556
77$76,154,694$19,730,563$12,916,854$55,788,435
78$83,815,929$20,590,816$13,243,025$60,915,559
79$92,255,253$21,489,866$13,576,766$66,544,665
80$101,551,926$22,429,507$13,918,225$72,726,127
81$111,793,290$23,411,619$14,267,552$79,515,417
82$123,075,589$24,438,172$14,624,899$86,973,632
83$135,504,883$25,511,227$14,990,417$95,168,062
84$149,198,045$26,632,941$15,364,260$104,172,819
85$164,283,868$27,805,578$15,746,585$114,069,536
86$180,904,275$29,031,504$16,137,548$124,948,127
87$199,215,662$30,313,198$16,537,307$136,907,633
88$219,390,374$31,653,259$16,946,021$150,057,149
89$241,618,331$33,054,407$17,363,851$164,516,849
90$266,108,817$34,519,490$17,790,957$180,419,113
91$293,092,465$36,051,493$18,227,502$197,909,771
92$322,823,421$37,653,541$18,673,649$217,149,468
93$355,581,754$39,328,909$19,129,560$238,315,179
94$391,676,093$41,081,026$19,595,400$261,601,869
95$431,446,542$42,913,483$20,071,334$287,224,323
96$475,267,891$44,830,045$20,557,525$315,419,168
97$523,553,152$46,834,654$21,054,138$346,447,097
98$576,757,460$48,931,438$21,561,338$380,595,321
99$635,382,366$51,124,724$22,079,288$418,180,268
100$699,980,576$53,419,044$22,608,152$459,550,562