Can I retire at age 52 with 5,000,000?

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 $5,000,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15%
1 years$412,895$409,217$405,629$402,127$398,707$390,497
2 years$204,404$200,597$196,907$193,330$189,860$181,627
3 years$134,915$131,092$127,412$123,869$120,455$112,454
4 years$100,178$96,367$92,723$89,240$85,910$78,203
5 years$79,341$75,553$71,957$68,545$65,307$57,917
6 years$65,455$61,694$58,152$54,816$51,675$44,609
7 years$55,539$51,811$48,325$45,067$42,026$35,285
8 years$48,106$44,411$40,983$37,806$34,865$28,448
9 years$42,328$38,668$35,299$32,202$29,361$23,263
10 years$37,708$34,084$30,774$27,759$25,017$19,233
11 years$33,931$30,343$27,093$24,158$21,515$16,037
12 years$30,785$27,234$24,044$21,190$18,645$13,465
13 years$28,126$24,612$21,482$18,708$16,259$11,368
14 years$25,848$22,371$19,302$16,607$14,252$9,641
15 years$23,876$20,437$17,427$14,810$12,549$8,207
16 years$22,152$18,750$15,800$13,261$11,091$7,009
17 years$20,632$17,268$14,377$11,915$9,834$6,001
18 years$19,283$15,957$13,125$10,738$8,744$5,149
19 years$18,077$14,789$12,015$9,702$7,793$4,427
20 years$16,993$13,742$11,027$8,787$6,961$3,812
21 years$16,014$12,800$10,143$7,975$6,230$3,287
22 years$15,125$11,949$9,348$7,251$5,584$2,837
23 years$14,314$11,175$8,631$6,604$5,012$2,452
24 years$13,572$10,471$7,982$6,023$4,505$2,120
25 years$12,891$9,826$7,393$5,501$4,054$1,835
26 years$12,263$9,235$6,857$5,029$3,652$1,589
27 years$11,682$8,691$6,367$4,604$3,292$1,377
28 years$11,144$8,190$5,919$4,218$2,971$1,194
29 years$10,644$7,726$5,508$3,868$2,683$1,035
30 years$10,178$7,296$5,131$3,550$2,424$898
31 years$9,743$6,898$4,783$3,260$2,191$780
32 years$9,336$6,526$4,463$2,996$1,982$677
33 years$8,954$6,181$4,167$2,755$1,794$588
34 years$8,596$5,858$3,893$2,535$1,624$510
35 years$8,259$5,556$3,640$2,334$1,471$443
36 years$7,941$5,274$3,405$2,149$1,333$385
37 years$7,641$5,009$3,187$1,980$1,208$334
38 years$7,358$4,760$2,985$1,825$1,095$291
39 years$7,090$4,526$2,796$1,683$993$253
40 years$6,836$4,306$2,621$1,552$901$219
41 years$6,595$4,099$2,458$1,432$817$191
42 years$6,366$3,904$2,305$1,322$742$166
43 years$6,148$3,720$2,163$1,220$673$144
44 years$5,941$3,546$2,031$1,127$611$125
45 years$5,743$3,381$1,907$1,040$555$109
46 years$5,555$3,225$1,791$961$504$95
47 years$5,375$3,078$1,682$888$457$82
48 years$5,203$2,938$1,581$820$415$72
49 years$5,039$2,806$1,486$758$377$62
50 years$4,882$2,680$1,397$701$343$54

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $5,000,000, adding $2,244 every year, while hoping to spend $20,836 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: 67/6/27 Blend
51$5,000,000$5,000,000$5,000,000$5,000,000
52$5,512,315$5,247,315$5,169,815$5,842,653
53$6,052,401$5,482,264$5,320,834$6,300,317
54$6,646,879$5,728,027$5,476,214$6,798,126
55$7,301,272$5,985,112$5,636,080$7,342,139
56$8,021,671$6,254,052$5,800,557$7,936,922
57$8,814,784$6,535,403$5,969,778$8,587,499
58$9,688,004$6,829,750$6,143,878$9,299,403
59$10,649,477$7,137,704$6,322,994$10,078,727
60$11,708,179$7,459,907$6,507,270$10,932,177
61$12,874,001$7,797,030$6,696,851$11,867,140
62$14,157,842$8,149,777$6,891,888$12,891,749
63$15,571,711$8,518,885$7,092,536$14,014,961
64$17,128,843$8,905,128$7,298,953$15,246,640
65$18,843,820$9,309,314$7,511,303$16,597,649
66$20,732,711$9,732,293$7,729,754$18,079,955
67$22,813,224$10,174,952$7,954,477$19,706,734
68$25,104,872$10,638,223$8,185,651$21,492,501
69$27,629,155$11,123,082$8,423,457$23,453,246
70$30,409,769$11,630,553$8,668,082$25,606,578
71$33,472,822$12,161,707$8,919,720$27,971,896
72$36,847,086$12,717,666$9,178,566$30,570,570
73$40,564,266$13,299,609$9,444,825$33,426,140
74$44,659,300$13,908,769$9,718,706$36,564,537
75$49,170,687$14,546,438$10,000,422$40,014,329
76$54,140,855$15,213,971$10,290,193$43,806,987
77$59,616,555$15,912,788$10,588,247$47,977,184
78$65,649,306$16,644,377$10,894,816$52,563,116
79$72,295,881$17,410,298$11,210,139$57,606,867
80$79,618,843$18,212,184$11,534,460$63,154,799
81$87,687,134$19,051,750$11,868,034$69,257,995
82$96,576,726$19,930,790$12,211,117$75,972,732
83$106,371,340$20,851,187$12,563,978$83,361,019
84$117,163,234$21,814,912$12,926,888$91,491,174
85$129,054,075$22,824,034$13,300,130$100,438,469
86$142,155,897$23,880,718$13,683,991$110,285,842
87$156,592,162$24,987,237$14,078,768$121,124,675
88$172,498,921$26,145,970$14,484,765$133,055,655
89$190,026,102$27,359,414$14,902,296$146,189,724
90$209,338,923$28,630,184$15,331,681$160,649,123
91$230,619,452$29,961,021$15,773,251$176,568,546
92$254,068,325$31,354,800$16,227,344$194,096,406
93$279,906,642$32,814,534$16,694,308$213,396,237
94$308,378,054$34,343,380$17,174,501$234,648,234
95$339,751,058$35,944,648$17,668,290$258,050,952
96$374,321,540$37,621,810$18,176,052$283,823,177
97$412,415,561$39,378,503$18,698,174$312,205,991
98$454,392,439$41,218,540$19,235,054$343,465,044
99$500,648,139$43,145,920$19,787,099$377,893,059
100$551,619,012$45,164,833$20,354,730$415,812,592