Can I retire at age 52 with 5,700,000?

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 $5,700,000?

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$470,701$466,508$462,417$458,425$454,526$448,289
2 years$233,020$228,680$224,474$220,396$216,441$210,168
3 years$153,804$149,445$145,250$141,210$137,319$131,206
4 years$114,203$109,858$105,705$101,734$97,937$92,030
5 years$90,449$86,130$82,031$78,141$74,450$68,767
6 years$74,618$70,332$66,293$62,490$58,910$53,457
7 years$63,315$59,064$55,090$51,377$47,910$42,689
8 years$54,841$50,629$46,721$43,099$39,746$34,756
9 years$48,254$44,082$40,241$36,711$33,472$28,712
10 years$42,987$38,856$35,083$31,645$28,519$23,985
11 years$38,681$34,591$30,886$27,540$24,528$20,215
12 years$35,095$31,047$27,411$24,157$21,255$17,159
13 years$32,063$28,058$24,490$21,327$18,535$14,650
14 years$29,467$25,504$22,004$18,931$16,248$12,568
15 years$27,218$23,298$19,867$16,884$14,306$10,825
16 years$25,253$21,375$18,012$15,117$12,643$9,355
17 years$23,521$19,686$16,390$13,583$11,210$8,107
18 years$21,983$18,191$14,962$12,241$9,968$7,043
19 years$20,608$16,859$13,697$11,061$8,885$6,131
20 years$19,372$15,666$12,571$10,018$7,936$5,347
21 years$18,256$14,592$11,563$9,092$7,102$4,670
22 years$17,242$13,621$10,657$8,266$6,366$4,084
23 years$16,318$12,740$9,840$7,528$5,714$3,576
24 years$15,472$11,936$9,100$6,866$5,136$3,134
25 years$14,695$11,202$8,428$6,271$4,622$2,749
26 years$13,979$10,528$7,817$5,734$4,163$2,414
27 years$13,318$9,908$7,259$5,248$3,753$2,120
28 years$12,704$9,336$6,748$4,808$3,387$1,864
29 years$12,134$8,808$6,279$4,409$3,058$1,639
30 years$11,603$8,318$5,849$4,047$2,763$1,442
31 years$11,107$7,863$5,453$3,717$2,498$1,269
32 years$10,643$7,440$5,088$3,416$2,260$1,117
33 years$10,208$7,046$4,750$3,141$2,045$984
34 years$9,799$6,678$4,438$2,890$1,852$867
35 years$9,415$6,334$4,150$2,660$1,677$764
36 years$9,053$6,012$3,882$2,450$1,520$673
37 years$8,711$5,710$3,633$2,257$1,377$593
38 years$8,388$5,426$3,403$2,081$1,249$523
39 years$8,082$5,160$3,188$1,919$1,132$461
40 years$7,793$4,909$2,988$1,770$1,027$407
41 years$7,518$4,673$2,802$1,633$932$359
42 years$7,257$4,451$2,628$1,507$845$316
43 years$7,009$4,241$2,466$1,391$767$279
44 years$6,772$4,042$2,315$1,284$696$246
45 years$6,547$3,855$2,174$1,186$632$217
46 years$6,333$3,677$2,042$1,096$574$192
47 years$6,128$3,509$1,918$1,012$521$169
48 years$5,932$3,350$1,802$935$473$149
49 years$5,744$3,199$1,694$864$430$132
50 years$5,565$3,056$1,593$799$391$116

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $5,700,000, adding $2,760 every year, while hoping to spend $50,559 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: 66/26/8 Blend
51$5,700,000$5,700,000$5,700,000$5,700,000
52$6,284,247$5,982,147$5,893,797$6,689,293
53$6,871,446$6,221,478$6,037,445$7,198,213
54$7,516,844$6,470,841$6,184,210$7,747,910
55$8,226,326$6,730,676$6,334,144$8,347,338
56$9,006,371$7,001,439$6,487,299$9,001,341
57$9,864,121$7,283,610$6,643,724$9,715,246
58$10,807,444$7,577,689$6,803,470$10,494,917
59$11,845,007$7,884,199$6,966,590$11,346,806
60$12,986,360$8,203,687$7,133,133$12,278,010
61$14,242,025$8,536,725$7,303,150$13,296,345
62$15,623,597$8,883,910$7,476,691$14,410,409
63$17,143,849$9,245,866$7,653,805$15,629,668
64$18,816,856$9,623,248$7,834,542$16,964,541
65$20,658,126$10,016,738$8,018,950$18,426,498
66$22,684,747$10,427,051$8,207,077$20,028,166
67$24,915,548$10,854,933$8,398,971$21,783,448
68$27,371,274$11,301,165$8,594,677$23,707,650
69$30,074,787$11,766,564$8,794,240$25,817,625
70$33,051,274$12,251,985$8,997,707$28,131,930
71$36,328,492$12,758,320$9,205,118$30,671,000
72$39,937,024$13,286,504$9,416,516$33,457,339
73$43,910,573$13,837,515$9,631,941$36,515,727
74$48,286,273$14,412,374$9,851,432$39,873,456
75$53,105,043$15,012,152$10,075,026$43,560,583
76$58,411,976$15,637,966$10,302,758$47,610,213
77$64,256,758$16,290,986$10,534,661$52,058,804
78$70,694,141$16,972,438$10,770,765$56,946,517
79$77,784,457$17,683,601$11,011,100$62,317,583
80$85,594,190$18,425,816$11,255,690$68,220,727
81$94,196,601$19,200,485$11,504,560$74,709,616
82$103,672,420$20,009,074$11,757,728$81,843,370
83$114,110,607$20,853,119$12,015,212$89,687,110
84$125,609,193$21,734,225$12,277,025$98,312,576
85$138,276,202$22,654,074$12,543,177$107,798,797
86$152,230,675$23,614,424$12,813,673$118,232,833
87$167,603,788$24,617,115$13,088,516$129,710,594
88$184,540,095$25,664,074$13,367,702$142,337,742
89$203,198,887$26,757,317$13,651,223$156,230,682
90$223,755,702$27,898,953$13,939,067$171,517,662
91$246,403,973$29,091,191$14,231,215$188,339,970
92$271,356,861$30,336,343$14,527,643$206,853,271
93$298,849,264$31,636,826$14,828,322$227,229,069
94$329,140,032$32,995,175$15,133,215$249,656,321
95$362,514,416$34,414,039$15,442,278$274,343,212
96$399,286,753$35,896,193$15,755,461$301,519,121
97$439,803,439$37,444,543$16,072,706$331,436,775
98$484,446,193$39,062,130$16,393,945$364,374,633
99$533,635,667$40,752,136$16,719,104$400,639,503
100$587,835,410$42,517,895$17,048,099$440,569,439