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

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 $6,600,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.6%
1 years$545,022$540,167$535,431$530,807$526,293$518,428
2 years$269,813$264,788$259,918$255,196$250,616$242,710
3 years$178,088$173,042$168,184$163,506$159,001$151,300
4 years$132,235$127,204$122,395$117,797$113,401$105,964
5 years$104,731$99,729$94,983$90,480$86,206$79,054
6 years$86,400$81,437$76,761$72,357$68,211$61,354
7 years$73,312$68,390$63,789$59,489$55,474$48,913
8 years$63,500$58,623$54,098$49,904$46,021$39,756
9 years$55,873$51,042$46,594$42,507$38,757$32,783
10 years$49,775$44,991$40,622$36,641$33,022$27,337
11 years$44,789$40,053$35,763$31,889$28,400$22,997
12 years$40,637$35,949$31,739$27,971$24,611$19,483
13 years$37,126$32,488$28,356$24,694$21,461$16,601
14 years$34,119$29,530$25,478$21,921$18,813$14,213
15 years$31,516$26,977$23,004$19,549$16,564$12,217
16 years$29,240$24,750$20,856$17,504$14,640$10,536
17 years$27,235$22,794$18,978$15,728$12,981$9,111
18 years$25,454$21,063$17,325$14,174$11,542$7,898
19 years$23,862$19,521$15,860$12,807$10,287$6,861
20 years$22,431$18,140$14,555$11,599$9,189$5,970
21 years$21,139$16,896$13,388$10,527$8,223$5,202
22 years$19,965$15,772$12,339$9,572$7,371$4,539
23 years$18,895$14,751$11,393$8,717$6,616$3,965
24 years$17,915$13,821$10,537$7,950$5,947$3,467
25 years$17,016$12,970$9,759$7,261$5,351$3,034
26 years$16,187$12,190$9,051$6,639$4,820$2,657
27 years$15,420$11,472$8,405$6,077$4,346$2,329
28 years$14,710$10,810$7,813$5,568$3,921$2,042
29 years$14,050$10,198$7,271$5,106$3,541$1,791
30 years$13,435$9,631$6,773$4,686$3,199$1,572
31 years$12,861$9,105$6,314$4,303$2,893$1,380
32 years$12,323$8,615$5,891$3,955$2,617$1,212
33 years$11,820$8,158$5,500$3,637$2,368$1,065
34 years$11,347$7,732$5,139$3,346$2,144$936
35 years$10,902$7,334$4,805$3,080$1,942$822
36 years$10,482$6,961$4,495$2,837$1,759$723
37 years$10,087$6,611$4,207$2,614$1,595$636
38 years$9,713$6,283$3,940$2,409$1,446$559
39 years$9,359$5,975$3,691$2,221$1,311$491
40 years$9,023$5,684$3,460$2,049$1,189$432
41 years$8,705$5,411$3,244$1,890$1,079$380
42 years$8,403$5,153$3,043$1,745$979$334
43 years$8,115$4,910$2,856$1,611$888$294
44 years$7,842$4,680$2,680$1,487$806$259
45 years$7,581$4,463$2,517$1,373$732$228
46 years$7,332$4,258$2,364$1,269$665$200
47 years$7,095$4,063$2,221$1,172$604$176
48 years$6,868$3,879$2,087$1,083$548$155
49 years$6,651$3,704$1,962$1,001$498$137
50 years$6,444$3,538$1,844$925$452$120

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 $3,411 every year, while hoping to spend $52,449 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: 44/29/27 Blend
51$6,600,000$6,600,000$6,600,000$6,600,000
52$7,276,718$6,926,918$6,824,618$7,539,709
53$7,963,138$7,210,532$6,997,438$8,011,085
54$8,717,815$7,506,285$7,174,289$8,516,453
55$9,547,656$7,814,717$7,355,251$9,063,274
56$10,460,270$8,136,391$7,540,405$9,655,433
57$11,464,042$8,471,898$7,729,833$10,297,196
58$12,568,208$8,821,855$7,923,616$10,993,255
59$13,782,946$9,186,907$8,121,838$11,748,762
60$15,119,470$9,567,729$8,324,584$12,569,385
61$16,590,136$9,965,027$8,531,937$13,461,353
62$18,208,557$10,379,541$8,743,983$14,431,516
63$19,989,732$10,812,041$8,960,810$15,487,406
64$21,950,191$11,263,337$9,182,503$16,637,308
65$24,108,144$11,734,274$9,409,150$17,890,333
66$26,483,657$12,225,736$9,640,839$19,256,505
67$29,098,842$12,738,649$9,877,659$20,746,852
68$31,978,063$13,273,981$10,119,699$22,373,507
69$35,148,164$13,832,745$10,367,049$24,149,820
70$38,638,729$14,416,002$10,619,797$26,090,482
71$42,482,353$15,024,860$10,878,034$28,211,662
72$46,714,955$15,660,479$11,141,849$30,531,153
73$51,376,113$16,324,076$11,411,334$33,068,542
74$56,509,440$17,016,919$11,686,578$35,845,388
75$62,162,996$17,740,341$11,967,671$38,885,424
76$68,389,736$18,495,732$12,254,702$42,214,775
77$75,248,016$19,284,550$12,547,762$45,862,205
78$82,802,141$20,108,320$12,846,939$49,859,384
79$91,122,969$20,968,638$13,152,321$54,241,180
80$100,288,584$21,867,174$13,463,996$59,045,987
81$110,385,031$22,805,677$13,782,052$64,316,083
82$121,507,127$23,785,977$14,106,573$70,098,023
83$133,759,355$24,809,991$14,437,644$76,443,077
84$147,256,853$25,879,725$14,775,349$83,407,706
85$162,126,499$26,997,278$15,119,770$91,054,093
86$178,508,105$28,164,848$15,470,986$99,450,721
87$196,555,744$29,384,738$15,829,076$108,673,020
88$216,439,197$30,659,357$16,194,117$118,804,066
89$238,345,556$31,991,226$16,566,181$129,935,367
90$262,480,995$33,382,989$16,945,341$142,167,715
91$289,072,711$34,837,410$17,331,664$155,612,135
92$318,371,070$36,357,385$17,725,217$170,390,923
93$350,651,969$37,945,947$18,126,062$186,638,797
94$386,219,442$39,606,271$18,534,257$204,504,159
95$425,408,528$41,341,680$18,949,857$224,150,490
96$468,588,433$43,155,659$19,372,913$245,757,886
97$516,166,019$45,051,851$19,803,471$269,524,745
98$568,589,637$47,034,076$20,241,572$295,669,641
99$626,353,367$49,106,333$20,687,251$324,433,368
100$690,001,677$51,272,809$21,140,540$356,081,211