Can I retire at age 52 with 5,600,000?

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 $5,600,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.7%
1 years$462,443$458,324$454,305$450,382$446,552$430,879
2 years$228,932$224,668$220,536$216,530$212,644$197,018
3 years$151,105$146,823$142,702$138,733$134,910$119,823
4 years$112,200$107,931$103,850$99,949$96,219$81,785
5 years$88,862$84,619$80,592$76,771$73,144$59,402
6 years$73,309$69,098$65,130$61,394$57,876$44,836
7 years$62,204$58,028$54,124$50,475$47,069$34,728
8 years$53,879$49,741$45,901$42,343$39,048$27,397
9 years$47,408$43,308$39,535$36,066$32,884$21,907
10 years$42,233$38,174$34,467$31,090$28,019$17,698
11 years$38,003$33,984$30,344$27,057$24,097$14,411
12 years$34,480$30,502$26,930$23,733$20,882$11,808
13 years$31,501$27,565$24,060$20,953$18,210$9,723
14 years$28,950$25,056$21,618$18,599$15,963$8,039
15 years$26,741$22,889$19,518$16,587$14,055$6,668
16 years$24,810$21,000$17,696$14,852$12,422$5,545
17 years$23,108$19,341$16,103$13,345$11,014$4,621
18 years$21,597$17,872$14,700$12,026$9,793$3,858
19 years$20,247$16,563$13,457$10,867$8,729$3,226
20 years$19,033$15,391$12,350$9,842$7,797$2,701
21 years$17,936$14,336$11,360$8,932$6,977$2,263
22 years$16,940$13,383$10,470$8,121$6,254$1,898
23 years$16,032$12,516$9,667$7,396$5,614$1,593
24 years$15,201$11,727$8,940$6,746$5,046$1,338
25 years$14,438$11,005$8,280$6,161$4,541$1,124
26 years$13,734$10,343$7,680$5,633$4,090$945
27 years$13,084$9,734$7,131$5,156$3,687$795
28 years$12,481$9,172$6,629$4,724$3,327$669
29 years$11,921$8,653$6,169$4,332$3,004$563
30 years$11,399$8,172$5,746$3,976$2,715$473
31 years$10,912$7,725$5,357$3,651$2,454$398
32 years$10,456$7,310$4,998$3,356$2,220$335
33 years$10,029$6,922$4,667$3,086$2,009$282
34 years$9,627$6,561$4,361$2,839$1,819$238
35 years$9,250$6,223$4,077$2,614$1,648$200
36 years$8,894$5,906$3,814$2,407$1,493$169
37 years$8,558$5,610$3,570$2,218$1,353$142
38 years$8,241$5,331$3,343$2,044$1,227$120
39 years$7,941$5,069$3,132$1,885$1,112$101
40 years$7,656$4,823$2,936$1,739$1,009$85
41 years$7,386$4,591$2,753$1,604$915$71
42 years$7,130$4,372$2,582$1,480$831$60
43 years$6,886$4,166$2,423$1,367$754$51
44 years$6,654$3,971$2,274$1,262$684$43
45 years$6,432$3,787$2,135$1,165$621$36
46 years$6,221$3,613$2,006$1,076$564$30
47 years$6,020$3,447$1,884$994$512$26
48 years$5,828$3,291$1,771$919$465$22
49 years$5,644$3,143$1,664$849$422$18
50 years$5,468$3,002$1,565$785$384$15

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $5,600,000, adding $2,506 every year, while hoping to spend $47,220 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: 46/31/23 Blend
51$5,600,000$5,600,000$5,600,000$5,600,000
52$6,173,785$5,876,985$5,790,185$6,416,927
53$6,753,269$6,114,715$5,933,914$6,825,840
54$7,390,278$6,362,512$6,080,876$7,264,378
55$8,090,630$6,620,819$6,231,129$7,739,229
56$8,860,734$6,890,098$6,384,731$8,253,806
57$9,707,651$7,170,835$6,541,742$8,811,862
58$10,639,162$7,463,537$6,702,221$9,417,519
59$11,663,839$7,768,733$6,866,228$10,075,309
60$12,791,127$8,086,977$7,033,823$10,790,215
61$14,031,432$8,418,849$7,205,066$11,567,715
62$15,396,220$8,764,954$7,380,017$12,413,831
63$16,898,124$9,125,927$7,558,738$13,335,190
64$18,551,064$9,502,428$7,741,287$14,339,076
65$20,370,378$9,895,153$7,927,725$15,433,506
66$22,372,966$10,304,825$8,118,113$16,627,295
67$24,577,449$10,732,202$8,312,511$17,930,145
68$27,004,346$11,178,077$8,510,978$19,352,729
69$29,676,267$11,643,281$8,713,573$20,906,793
70$32,618,125$12,128,679$8,920,356$22,605,261
71$35,857,370$12,635,181$9,131,384$24,462,358
72$39,424,253$13,163,736$9,346,717$26,493,742
73$43,352,104$13,715,337$9,566,410$28,716,645
74$47,677,654$14,291,024$9,790,520$31,150,038
75$52,441,375$14,891,884$10,019,102$33,814,804
76$57,687,864$15,519,055$10,252,210$36,733,933
77$63,466,265$16,173,727$10,489,898$39,932,738
78$69,830,731$16,857,148$10,732,217$43,439,088
79$76,840,937$17,570,619$10,979,218$47,283,668
80$84,562,638$18,315,505$11,230,948$51,500,268
81$93,068,298$19,093,235$11,487,454$56,126,095
82$102,437,762$19,905,302$11,748,783$61,202,122
83$112,759,022$20,753,270$12,014,975$66,773,473
84$124,129,038$21,638,776$12,286,072$72,889,840
85$136,654,656$22,563,532$12,562,112$79,605,953
86$150,453,618$23,529,332$12,843,129$86,982,088
87$165,655,669$24,538,051$13,129,156$95,084,635
88$182,403,787$25,591,655$13,420,222$103,986,718
89$200,855,526$26,692,200$13,716,353$113,768,879
90$221,184,510$27,841,838$14,017,571$124,519,836
91$243,582,064$29,042,822$14,323,894$136,337,315
92$268,259,026$30,297,512$14,635,336$149,328,963
93$295,447,733$31,608,376$14,951,906$163,613,363
94$325,404,217$32,978,001$15,273,609$179,321,145
95$358,410,617$34,409,093$15,600,445$196,596,211
96$394,777,848$35,904,487$15,932,408$215,597,090
97$434,848,531$37,467,149$16,269,486$236,498,427
98$479,000,228$39,100,187$16,611,662$259,492,623
99$527,649,010$40,806,854$16,958,910$284,791,643
100$581,253,375$42,590,556$17,311,200$312,629,011