Can I retire at age 52 with 6,800,000?

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 $6,800,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.3%
1 years$561,538$556,536$551,656$546,893$542,242$534,801
2 years$277,989$272,812$267,794$262,929$258,210$250,727
3 years$183,485$178,285$173,280$168,461$163,819$156,526
4 years$136,242$131,059$126,104$121,367$116,837$109,790
5 years$107,904$102,752$97,862$93,221$88,818$82,038
6 years$89,018$83,904$79,087$74,550$70,279$63,773
7 years$75,534$70,463$65,722$61,292$57,155$50,927
8 years$65,425$60,400$55,737$51,416$47,416$41,464
9 years$57,566$52,589$48,006$43,795$39,931$34,253
10 years$51,283$46,354$41,853$37,752$34,023$28,614
11 years$46,146$41,267$36,847$32,855$29,261$24,116
12 years$41,868$37,039$32,701$28,819$25,357$20,471
13 years$38,251$33,472$29,216$25,442$22,112$17,477
14 years$35,153$30,425$26,250$22,585$19,383$14,993
15 years$32,471$27,794$23,701$20,142$17,066$12,914
16 years$30,127$25,500$21,488$18,035$15,083$11,160
17 years$28,060$23,485$19,553$16,204$13,374$9,672
18 years$26,225$21,701$17,850$14,603$11,891$8,402
19 years$24,585$20,112$16,341$13,195$10,599$7,315
20 years$23,111$18,689$14,997$11,951$9,467$6,379
21 years$21,779$17,408$13,794$10,846$8,472$5,571
22 years$20,570$16,250$12,713$9,862$7,594$4,873
23 years$19,467$15,198$11,738$8,981$6,817$4,266
24 years$18,458$14,240$10,856$8,191$6,127$3,739
25 years$17,531$13,364$10,055$7,481$5,514$3,280
26 years$16,677$12,560$9,325$6,840$4,966$2,879
27 years$15,888$11,820$8,659$6,261$4,478$2,529
28 years$15,156$11,138$8,050$5,736$4,040$2,223
29 years$14,476$10,507$7,491$5,260$3,648$1,955
30 years$13,842$9,923$6,978$4,828$3,296$1,720
31 years$13,250$9,381$6,505$4,434$2,980$1,514
32 years$12,697$8,876$6,070$4,075$2,696$1,333
33 years$12,178$8,406$5,667$3,747$2,440$1,174
34 years$11,690$7,967$5,295$3,448$2,209$1,034
35 years$11,232$7,556$4,950$3,174$2,001$911
36 years$10,800$7,172$4,631$2,923$1,813$803
37 years$10,392$6,812$4,335$2,693$1,643$708
38 years$10,007$6,474$4,059$2,482$1,489$624
39 years$9,642$6,156$3,803$2,289$1,351$550
40 years$9,297$5,857$3,565$2,111$1,225$485
41 years$8,969$5,575$3,342$1,948$1,111$428
42 years$8,657$5,309$3,135$1,798$1,009$377
43 years$8,361$5,059$2,942$1,659$915$333
44 years$8,079$4,822$2,762$1,532$831$294
45 years$7,811$4,598$2,593$1,415$754$259
46 years$7,555$4,387$2,435$1,307$685$228
47 years$7,310$4,186$2,288$1,208$622$202
48 years$7,076$3,996$2,150$1,116$565$178
49 years$6,853$3,816$2,021$1,031$513$157
50 years$6,639$3,645$1,900$953$466$138

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $6,800,000, adding $6,395 every year, while hoping to spend $38,044 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: 52/26/22 Blend
51$6,800,000$6,800,000$6,800,000$6,800,000
52$7,500,196$7,139,796$7,034,396$7,844,149
53$8,224,738$7,449,168$7,229,570$8,391,538
54$9,021,908$7,772,424$7,430,007$8,982,180
55$9,899,073$8,110,204$7,635,844$9,623,854
56$10,864,353$8,463,178$7,847,219$10,321,428
57$11,926,693$8,832,049$8,064,276$11,080,251
58$13,095,947$9,217,551$8,287,161$11,906,206
59$14,382,976$9,620,453$8,516,023$12,805,758
60$15,799,746$10,041,562$8,751,017$13,786,020
61$17,359,443$10,481,722$8,992,298$14,854,814
62$19,076,595$10,941,814$9,240,029$16,020,742
63$20,967,210$11,422,766$9,494,373$17,293,268
64$23,048,930$11,925,546$9,755,498$18,682,804
65$25,341,191$12,451,168$10,023,578$20,200,805
66$27,865,413$13,000,696$10,298,788$21,859,873
67$30,645,198$13,575,242$10,581,310$23,673,879
68$33,706,552$14,175,973$10,871,328$25,658,086
69$37,078,134$14,804,110$11,169,031$27,829,293
70$40,791,523$15,460,930$11,474,613$30,205,988
71$44,881,517$16,147,775$11,788,272$32,808,523
72$49,386,463$16,866,047$12,110,210$35,659,300
73$54,348,614$17,617,215$12,440,634$38,782,982
74$59,814,534$18,402,820$12,779,756$42,206,718
75$65,835,532$19,224,474$13,127,794$45,960,401
76$72,468,149$20,083,866$13,484,968$50,076,942
77$79,774,692$20,982,766$13,851,505$54,592,579
78$87,823,817$21,923,029$14,227,637$59,547,214
79$96,691,184$22,906,595$14,613,601$64,984,788
80$106,460,167$23,935,501$15,009,639$70,953,685
81$117,222,641$25,011,877$15,415,999$77,507,193
82$129,079,848$26,137,957$15,832,933$84,703,995
83$142,143,356$27,316,080$16,260,699$92,608,720
84$156,536,109$28,548,698$16,699,563$101,292,548
85$172,393,588$29,838,380$17,149,794$110,833,878
86$189,865,090$31,187,817$17,611,668$121,319,061
87$209,115,136$32,599,827$18,085,466$132,843,206
88$230,325,027$34,077,366$18,571,477$145,511,078
89$253,694,552$35,623,529$19,069,993$159,438,075
90$279,443,874$37,241,559$19,581,316$174,751,312
91$307,815,610$38,934,856$20,105,750$191,590,816
92$339,077,119$40,706,982$20,643,610$210,110,837
93$373,523,029$42,561,667$21,195,215$230,481,299
94$411,478,012$44,502,823$21,760,889$252,889,394
95$453,299,856$46,534,549$22,340,966$277,541,341
96$499,382,838$48,661,138$22,935,784$304,664,326
97$550,161,445$50,887,091$23,545,691$334,508,634
98$606,114,480$53,217,126$24,171,038$367,350,004
99$667,769,575$55,656,184$24,812,187$403,492,224
100$735,708,180$58,209,445$25,469,504$443,269,981