Can I retire at age 52 with 5,500,000?

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 $5,500,000?

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$454,185$450,139$446,192$442,340$438,578$421,676
2 years$224,844$220,656$216,598$212,663$208,847$192,020
3 years$148,407$144,201$140,153$136,255$132,501$116,279
4 years$110,196$106,003$101,996$98,164$94,501$79,007
5 years$87,275$83,108$79,153$75,400$71,838$57,112
6 years$72,000$67,864$63,967$60,298$56,843$42,895
7 years$61,093$56,992$53,157$49,574$46,229$33,054
8 years$52,917$48,853$45,081$41,586$38,351$25,937
9 years$46,561$42,535$38,829$35,422$32,297$20,626
10 years$41,479$37,493$33,852$30,534$27,519$16,568
11 years$37,324$33,377$29,802$26,574$23,667$13,412
12 years$33,864$29,958$26,449$23,309$20,509$10,924
13 years$30,938$27,073$23,630$20,578$17,885$8,940
14 years$28,433$24,609$21,232$18,267$15,677$7,345
15 years$26,263$22,480$19,170$16,291$13,804$6,053
16 years$24,367$20,625$17,380$14,587$12,200$5,001
17 years$22,696$18,995$15,815$13,106$10,817$4,140
18 years$21,211$17,552$14,437$11,811$9,618$3,434
19 years$19,885$16,267$13,217$10,673$8,573$2,852
20 years$18,693$15,116$12,130$9,666$7,657$2,371
21 years$17,615$14,080$11,157$8,773$6,853$1,973
22 years$16,637$13,144$10,283$7,976$6,142$1,643
23 years$15,746$12,293$9,494$7,264$5,514$1,369
24 years$14,930$11,518$8,781$6,625$4,956$1,142
25 years$14,180$10,809$8,133$6,051$4,459$953
26 years$13,489$10,158$7,543$5,532$4,017$795
27 years$12,850$9,560$7,004$5,064$3,622$664
28 years$12,258$9,009$6,511$4,640$3,268$554
29 years$11,708$8,499$6,059$4,255$2,951$463
30 years$11,196$8,026$5,644$3,905$2,666$387
31 years$10,717$7,587$5,262$3,586$2,411$323
32 years$10,269$7,179$4,909$3,296$2,180$270
33 years$9,850$6,799$4,584$3,031$1,973$226
34 years$9,456$6,444$4,283$2,789$1,787$189
35 years$9,085$6,112$4,004$2,567$1,618$158
36 years$8,735$5,801$3,746$2,364$1,466$132
37 years$8,405$5,510$3,506$2,178$1,329$110
38 years$8,094$5,236$3,283$2,008$1,205$92
39 years$7,799$4,979$3,076$1,851$1,092$77
40 years$7,519$4,737$2,883$1,708$991$64
41 years$7,254$4,509$2,703$1,575$899$54
42 years$7,002$4,294$2,536$1,454$816$45
43 years$6,763$4,092$2,380$1,342$740$38
44 years$6,535$3,900$2,234$1,239$672$31
45 years$6,318$3,719$2,097$1,144$610$26
46 years$6,110$3,548$1,970$1,057$554$22
47 years$5,913$3,386$1,851$977$503$18
48 years$5,724$3,232$1,739$902$457$15
49 years$5,543$3,087$1,635$834$415$13
50 years$5,370$2,949$1,537$771$377$11

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $5,500,000, adding $3,475 every year, while hoping to spend $33,215 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: 23/47/30 Blend
51$5,500,000$5,500,000$5,500,000$5,500,000
52$6,064,584$5,773,084$5,687,834$6,146,744
53$6,647,832$6,020,625$5,843,036$6,466,940
54$7,289,457$6,279,182$6,002,324$6,806,493
55$7,995,379$6,549,260$6,165,800$7,169,323
56$8,772,121$6,831,387$6,333,568$7,557,376
57$9,626,870$7,126,117$6,505,734$7,972,781
58$10,567,542$7,434,028$6,682,408$8,417,862
59$11,602,863$7,755,727$6,863,700$8,895,165
60$12,742,445$8,091,848$7,049,725$9,407,474
61$13,996,882$8,443,056$7,240,598$9,957,838
62$15,377,845$8,810,047$7,436,439$10,549,595
63$16,898,194$9,193,548$7,637,369$11,186,402
64$18,572,101$9,594,323$7,843,511$11,872,265
65$20,415,180$10,013,170$8,054,994$12,611,575
66$22,444,639$10,450,926$8,271,947$13,409,145
67$24,679,436$10,908,465$8,494,501$14,270,255
68$27,140,464$11,386,705$8,722,792$15,200,693
69$29,850,744$11,886,607$8,956,959$16,206,811
70$32,835,645$12,409,175$9,197,141$17,295,577
71$36,123,119$12,955,463$9,443,484$18,474,642
72$39,743,970$13,526,573$9,696,134$19,752,401
73$43,732,141$14,123,662$9,955,240$21,138,075
74$48,125,035$14,747,937$10,220,957$22,641,787
75$52,963,870$15,400,667$10,493,440$24,274,657
76$58,294,063$16,083,178$10,772,848$26,048,902
77$64,165,664$16,796,860$11,059,345$27,977,942
78$70,633,825$17,543,170$11,353,097$30,076,525
79$77,759,321$18,323,631$11,654,271$32,360,860
80$85,609,124$19,139,842$11,963,042$34,848,762
81$94,257,036$19,993,475$12,279,585$37,559,818
82$103,784,381$20,886,283$12,604,079$40,515,560
83$114,280,780$21,820,102$12,936,707$43,739,664
84$125,844,988$22,796,856$13,277,655$47,258,168
85$138,585,834$23,818,559$13,627,114$51,099,707
86$152,623,243$24,887,322$13,985,276$55,295,779
87$168,089,370$26,005,357$14,352,339$59,881,031
88$185,129,846$27,174,980$14,728,503$64,893,580
89$203,905,154$28,398,618$15,113,972$70,375,361
90$224,592,144$29,678,815$15,508,954$76,372,517
91$247,385,700$31,018,234$15,913,661$82,935,823
92$272,500,581$32,419,667$16,328,309$90,121,156
93$300,173,449$33,886,039$16,753,115$97,990,008
94$330,665,100$35,420,414$17,188,304$106,610,063
95$364,262,929$37,026,003$17,634,101$116,055,816
96$401,283,641$38,706,171$18,090,737$126,409,271
97$442,076,242$40,464,443$18,558,446$137,760,696
98$487,025,330$42,304,512$19,037,465$150,209,468
99$536,554,731$44,230,250$19,528,037$163,864,992
100$591,131,495$46,245,713$20,030,408$178,847,724