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

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 $6,000,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.3%
1 years$495,474$491,061$486,755$482,552$478,448$473,846
2 years$245,284$240,716$236,289$231,996$227,833$223,197
3 years$161,899$157,311$152,895$148,642$144,546$140,020
4 years$120,214$115,640$111,268$107,088$103,092$98,710
5 years$95,210$90,663$86,349$82,254$78,369$74,145
6 years$78,545$74,033$69,782$65,779$62,010$57,949
7 years$66,647$62,173$57,990$54,081$50,431$46,535
8 years$57,728$53,294$49,180$45,367$41,837$38,105
9 years$50,794$46,402$42,359$38,643$35,233$31,664
10 years$45,250$40,901$36,929$33,310$30,020$26,613
11 years$40,717$36,412$32,512$28,990$25,819$22,569
12 years$36,942$32,681$28,853$25,428$22,374$19,279
13 years$33,751$29,534$25,779$22,449$19,510$16,568
14 years$31,018$26,846$23,162$19,928$17,103$14,308
15 years$28,651$24,524$20,912$17,772$15,059$12,407
16 years$26,582$22,500$18,960$15,913$13,309$10,796
17 years$24,759$20,722$17,253$14,298$11,801$9,423
18 years$23,140$19,148$15,750$12,885$10,492$8,245
19 years$21,693$17,746$14,418$11,643$9,352$7,230
20 years$20,392$16,491$13,232$10,545$8,354$6,351
21 years$19,217$15,360$12,171$9,570$7,475$5,589
22 years$18,150$14,338$11,218$8,701$6,701$4,925
23 years$17,177$13,410$10,357$7,925$6,015$4,345
24 years$16,287$12,565$9,579$7,228$5,406$3,838
25 years$15,469$11,791$8,872$6,601$4,865$3,393
26 years$14,715$11,082$8,228$6,035$4,382$3,003
27 years$14,018$10,429$7,641$5,524$3,951$2,659
28 years$13,373$9,828$7,103$5,061$3,565$2,356
29 years$12,773$9,271$6,610$4,641$3,219$2,088
30 years$12,213$8,756$6,157$4,260$2,909$1,852
31 years$11,691$8,277$5,740$3,912$2,630$1,644
32 years$11,203$7,832$5,355$3,595$2,379$1,459
33 years$10,745$7,417$5,000$3,306$2,153$1,296
34 years$10,315$7,029$4,672$3,042$1,949$1,151
35 years$9,911$6,667$4,368$2,800$1,765$1,023
36 years$9,529$6,328$4,086$2,579$1,599$909
37 years$9,170$6,010$3,825$2,376$1,450$808
38 years$8,830$5,712$3,582$2,190$1,314$719
39 years$8,508$5,432$3,356$2,020$1,192$639
40 years$8,203$5,168$3,145$1,863$1,081$568
41 years$7,914$4,919$2,949$1,719$981$506
42 years$7,639$4,685$2,766$1,586$890$450
43 years$7,378$4,464$2,596$1,464$808$400
44 years$7,129$4,255$2,437$1,352$733$356
45 years$6,892$4,057$2,288$1,248$666$317
46 years$6,666$3,871$2,149$1,153$604$282
47 years$6,450$3,694$2,019$1,065$549$251
48 years$6,244$3,526$1,897$985$498$223
49 years$6,047$3,367$1,783$910$453$199
50 years$5,858$3,217$1,677$841$411$177

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $6,000,000, adding $2,343 every year, while hoping to spend $36,556 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: 42/32/26 Blend
51$6,000,000$6,000,000$6,000,000$6,000,000
52$6,614,417$6,296,417$6,203,417$6,841,756
53$7,250,192$6,566,046$6,372,336$7,274,694
54$7,949,591$6,847,662$6,545,689$7,739,601
55$8,719,065$7,141,813$6,723,585$8,242,373
56$9,565,722$7,449,074$6,906,137$8,786,522
57$10,497,393$7,770,046$7,093,460$9,375,906
58$11,522,707$8,105,358$7,285,672$10,014,763
59$12,651,173$8,455,671$7,482,891$10,707,746
60$13,893,267$8,821,672$7,685,242$11,459,969
61$15,260,532$9,204,086$7,892,849$12,277,051
62$16,765,687$9,603,668$8,105,841$13,165,167
63$18,422,749$10,021,209$8,324,348$14,131,106
64$20,247,160$10,457,539$8,548,505$15,182,329
65$22,255,938$10,913,526$8,778,448$16,327,042
66$24,467,834$11,390,079$9,014,316$17,574,264
67$26,903,510$11,888,150$9,256,252$18,933,919
68$29,585,733$12,408,734$9,504,401$20,416,916
69$32,539,592$12,952,876$9,758,913$22,035,259
70$35,792,732$13,521,669$10,019,938$23,802,150
71$39,375,616$14,116,256$10,287,632$25,732,115
72$43,321,814$14,737,838$10,562,152$27,841,136
73$47,668,315$15,387,668$10,843,661$30,146,798
74$52,455,881$16,067,061$11,132,321$32,668,453
75$57,729,429$16,777,395$11,428,302$35,427,398
76$63,538,455$17,520,112$11,731,774$38,447,071
77$69,937,501$18,296,721$12,042,912$41,753,272
78$76,986,670$19,108,805$12,361,894$45,374,397
79$84,752,195$19,958,020$12,688,902$49,341,706
80$93,307,059$20,846,103$13,024,120$53,689,612
81$102,731,688$21,774,872$13,367,737$58,456,000
82$113,114,710$22,746,230$13,719,946$63,682,582
83$124,553,788$23,762,173$14,080,942$69,415,282
84$137,156,546$24,824,791$14,450,925$75,704,669
85$151,041,581$25,936,273$14,830,098$82,606,424
86$166,339,583$27,098,912$15,218,668$90,181,861
87$183,194,573$28,315,110$15,616,845$98,498,501
88$201,765,254$29,587,386$16,024,845$107,630,703
89$222,226,518$30,918,375$16,442,884$117,660,355
90$244,771,088$32,310,841$16,871,186$128,677,648
91$269,611,345$33,767,678$17,309,977$140,781,910
92$296,981,326$35,291,918$17,759,485$154,082,544
93$327,138,938$36,886,739$18,219,945$168,700,050
94$360,368,391$38,555,471$18,691,594$184,767,151
95$396,982,878$40,301,600$19,174,674$202,430,043
96$437,327,536$42,128,783$19,669,430$221,849,762
97$481,782,700$44,040,848$20,176,111$243,203,695
98$530,767,494$46,041,809$20,694,969$266,687,244
99$584,743,791$48,135,870$21,226,263$292,515,665
100$644,220,568$50,327,437$21,770,253$320,926,080