Can I retire at age 52 with 6,900,000?

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 $6,900,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.3%
1 years$569,796$564,720$559,768$554,935$550,216$536,044
2 years$282,077$276,824$271,732$266,796$262,007$247,825
3 years$186,183$180,907$175,829$170,939$166,228$152,477
4 years$138,246$132,986$127,958$123,152$118,555$105,342
5 years$109,491$104,263$99,301$94,592$90,124$77,485
6 years$90,327$85,138$80,250$75,646$71,312$59,260
7 years$76,644$71,499$66,688$62,193$57,996$46,531
8 years$66,387$61,288$56,557$52,172$48,113$37,231
9 years$58,413$53,362$48,712$44,439$40,518$30,209
10 years$52,037$47,036$42,468$38,307$34,524$24,774
11 years$46,825$41,873$37,389$33,338$29,691$20,488
12 years$42,484$37,583$33,181$29,242$25,730$17,056
13 years$38,814$33,964$29,645$25,817$22,437$14,275
14 years$35,670$30,873$26,637$22,917$19,668$11,999
15 years$32,949$28,203$24,049$20,438$17,317$10,123
16 years$30,570$25,875$21,804$18,300$15,305$8,565
17 years$28,473$23,830$19,841$16,442$13,571$7,265
18 years$26,611$22,020$18,112$14,818$12,066$6,175
19 years$24,947$20,408$16,581$13,389$10,755$5,257
20 years$23,451$18,964$15,217$12,127$9,607$4,483
21 years$22,099$17,665$13,997$11,006$8,597$3,827
22 years$20,872$16,489$12,900$10,007$7,706$3,270
23 years$19,754$15,422$11,911$9,113$6,917$2,797
24 years$18,730$14,449$11,016$8,312$6,217$2,395
25 years$17,789$13,560$10,203$7,591$5,595$2,051
26 years$16,922$12,744$9,463$6,941$5,039$1,758
27 years$16,121$11,994$8,787$6,353$4,543$1,507
28 years$15,379$11,302$8,168$5,821$4,100$1,293
29 years$14,688$10,662$7,601$5,338$3,702$1,109
30 years$14,045$10,069$7,080$4,899$3,345$952
31 years$13,445$9,519$6,601$4,499$3,024$817
32 years$12,883$9,006$6,159$4,135$2,736$702
33 years$12,357$8,529$5,750$3,802$2,476$603
34 years$11,862$8,084$5,373$3,498$2,241$518
35 years$11,397$7,667$5,023$3,220$2,030$445
36 years$10,959$7,277$4,699$2,966$1,839$382
37 years$10,545$6,912$4,398$2,733$1,667$329
38 years$10,154$6,569$4,119$2,519$1,511$282
39 years$9,784$6,246$3,859$2,322$1,371$243
40 years$9,433$5,943$3,617$2,142$1,243$209
41 years$9,101$5,657$3,392$1,976$1,128$179
42 years$8,785$5,388$3,181$1,824$1,023$154
43 years$8,484$5,133$2,985$1,684$929$132
44 years$8,198$4,893$2,802$1,555$843$114
45 years$7,926$4,666$2,631$1,436$765$98
46 years$7,666$4,451$2,471$1,326$695$84
47 years$7,418$4,248$2,322$1,225$631$72
48 years$7,180$4,055$2,182$1,132$573$62
49 years$6,954$3,872$2,051$1,046$520$53
50 years$6,737$3,699$1,928$967$473$46

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $6,900,000, adding $4,911 every year, while hoping to spend $59,891 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: 48/24/28 Blend
51$6,900,000$6,900,000$6,900,000$6,900,000
52$7,608,866$7,243,166$7,136,216$7,913,048
53$8,321,246$7,534,357$7,311,555$8,418,741
54$9,104,283$7,837,810$7,490,762$8,961,333
55$9,965,118$8,154,061$7,673,901$9,549,442
56$10,911,623$8,483,673$7,861,039$10,187,392
57$11,952,469$8,827,233$8,052,244$10,879,937
58$13,097,208$9,185,355$8,247,582$11,632,305
59$14,356,366$9,558,681$8,447,119$12,450,245
60$15,741,541$9,947,882$8,650,923$13,340,079
61$17,265,510$10,353,659$8,859,061$14,308,762
62$18,942,351$10,776,748$9,071,598$15,363,945
63$20,787,577$11,217,914$9,288,602$16,514,046
64$22,818,278$11,677,960$9,510,139$17,768,327
65$25,053,287$12,157,725$9,736,273$19,136,980
66$27,513,355$12,658,086$9,967,071$20,631,220
67$30,221,346$13,179,961$10,202,597$22,263,393
68$33,202,453$13,724,309$10,442,913$24,047,085
69$36,484,436$14,292,133$10,688,084$25,997,250
70$40,097,885$14,884,484$10,938,172$28,130,352
71$44,076,505$15,502,460$11,193,236$30,464,513
72$48,457,437$16,147,208$11,453,337$33,019,686
73$53,281,604$16,819,930$11,718,533$35,817,838
74$58,594,105$17,521,884$11,988,881$38,883,157
75$64,444,630$18,254,383$12,264,435$42,242,275
76$70,887,938$19,018,803$12,545,249$45,924,518
77$77,984,366$19,816,583$12,831,374$49,962,180
78$85,800,405$20,649,229$13,122,858$54,390,825
79$94,409,322$21,518,316$13,419,749$59,249,618
80$103,891,852$22,425,493$13,722,090$64,581,695
81$114,336,962$23,372,484$14,029,922$70,434,560
82$125,842,691$24,361,094$14,343,282$76,860,538
83$138,517,069$25,393,211$14,662,206$83,917,259
84$152,479,144$26,470,813$14,986,724$91,668,202
85$167,860,101$27,595,967$15,316,864$100,183,285
86$184,804,501$28,770,839$15,652,648$109,539,529
87$203,471,643$29,997,693$15,994,094$119,821,773
88$224,037,071$31,278,901$16,341,218$131,123,473
89$246,694,231$32,616,945$16,694,026$143,547,583
90$271,656,289$34,014,422$17,052,523$157,207,514
91$299,158,154$35,474,052$17,416,706$172,228,207
92$329,458,687$36,998,682$17,786,567$188,747,305
93$362,843,145$38,591,289$18,162,089$206,916,443
94$399,625,877$40,254,994$18,543,251$226,902,679
95$440,153,290$41,993,062$18,930,022$248,890,061
96$484,807,114$43,808,910$19,322,367$273,081,360
97$534,008,011$45,706,118$19,720,237$299,699,977
98$588,219,542$47,688,433$20,123,580$328,992,046
99$647,952,546$49,759,776$20,532,330$361,228,749
100$713,769,955$51,924,255$20,946,413$396,708,869