Can I retire at age 52 with 6,100,000?

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 $6,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.7%
1 years$503,732$499,245$494,868$490,595$486,423$482,952
2 years$249,372$244,728$240,227$235,863$231,630$228,131
3 years$164,597$159,933$155,443$151,120$146,955$143,535
4 years$122,217$117,567$113,123$108,873$104,810$101,496
5 years$96,796$92,174$87,788$83,625$79,675$76,476
6 years$79,855$75,267$70,946$66,876$63,044$59,965
7 years$67,758$63,209$58,956$54,982$51,272$48,313
8 years$58,690$54,182$49,999$46,123$42,535$39,697
9 years$51,640$47,175$43,064$39,287$35,820$33,103
10 years$46,004$41,583$37,545$33,866$30,521$27,923
11 years$41,396$37,019$33,054$29,473$26,249$23,768
12 years$37,558$33,226$29,334$25,852$22,747$20,380
13 years$34,313$30,026$26,208$22,823$19,836$17,581
14 years$31,535$27,293$23,548$20,260$17,388$15,243
15 years$29,129$24,933$21,261$18,068$15,310$13,271
16 years$27,025$22,875$19,276$16,178$13,531$11,596
17 years$25,171$21,067$17,540$14,536$11,997$10,163
18 years$23,525$19,467$16,012$13,100$10,667$8,930
19 years$22,054$18,042$14,658$11,837$9,508$7,865
20 years$20,732$16,766$13,453$10,721$8,493$6,940
21 years$19,537$15,616$12,374$9,730$7,600$6,134
22 years$18,452$14,577$11,405$8,846$6,812$5,430
23 years$17,463$13,634$10,530$8,057$6,115$4,812
24 years$16,558$12,774$9,739$7,348$5,496$4,270
25 years$15,727$11,988$9,020$6,711$4,946$3,793
26 years$14,960$11,267$8,365$6,136$4,455$3,372
27 years$14,252$10,603$7,768$5,616$4,017$3,000
28 years$13,596$9,991$7,221$5,146$3,624$2,671
29 years$12,985$9,426$6,720$4,719$3,273$2,379
30 years$12,417$8,902$6,260$4,331$2,957$2,121
31 years$11,886$8,415$5,836$3,977$2,673$1,891
32 years$11,390$7,962$5,445$3,655$2,418$1,687
33 years$10,924$7,540$5,084$3,361$2,189$1,506
34 years$10,487$7,147$4,750$3,093$1,982$1,344
35 years$10,076$6,778$4,441$2,847$1,795$1,200
36 years$9,688$6,434$4,154$2,622$1,626$1,072
37 years$9,322$6,111$3,888$2,416$1,474$958
38 years$8,977$5,807$3,641$2,227$1,336$856
39 years$8,650$5,522$3,412$2,053$1,212$765
40 years$8,340$5,254$3,198$1,894$1,099$684
41 years$8,046$5,001$2,998$1,747$997$612
42 years$7,766$4,763$2,813$1,613$905$547
43 years$7,501$4,538$2,639$1,489$821$489
44 years$7,248$4,326$2,477$1,374$745$438
45 years$7,007$4,125$2,326$1,269$677$391
46 years$6,777$3,935$2,185$1,172$614$350
47 years$6,558$3,755$2,053$1,083$558$313
48 years$6,348$3,585$1,929$1,001$507$280
49 years$6,148$3,423$1,813$925$460$251
50 years$5,956$3,270$1,704$855$418$224

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $6,100,000, adding $4,057 every year, while hoping to spend $54,921 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: 48/37/15 Blend
51$6,100,000$6,100,000$6,100,000$6,100,000
52$6,726,385$6,403,085$6,308,535$7,020,897
53$7,354,041$6,658,400$6,461,435$7,480,216
54$8,043,876$6,924,386$6,617,617$7,972,694
55$8,802,177$7,201,506$6,777,132$8,506,229
56$9,635,865$7,490,246$6,940,033$9,084,680
57$10,552,570$7,791,115$7,106,370$9,712,288
58$11,560,695$8,104,642$7,276,196$10,393,713
59$12,669,499$8,431,382$7,449,562$11,134,075
60$13,889,183$8,771,916$7,626,518$11,939,003
61$15,230,989$9,126,848$7,807,115$12,814,686
62$16,707,299$9,496,814$7,991,403$13,767,930
63$18,331,760$9,882,474$8,179,431$14,806,215
64$20,119,406$10,284,521$8,371,249$15,937,773
65$22,086,803$10,703,680$8,566,903$17,171,653
66$24,252,203$11,140,707$8,766,441$18,517,812
67$26,635,720$11,596,393$8,969,908$19,987,204
68$29,259,513$12,071,567$9,177,350$21,591,879
69$32,148,003$12,567,093$9,388,811$23,345,095
70$35,328,095$13,083,876$9,604,331$25,261,445
71$38,829,438$13,622,863$9,823,954$27,356,984
72$42,684,701$14,185,044$10,047,716$29,649,384
73$46,929,882$14,771,453$10,275,657$32,158,094
74$51,604,650$15,383,173$10,507,811$34,904,523
75$56,752,713$16,021,338$10,744,211$37,912,235
76$62,422,236$16,687,130$10,984,889$41,207,174
77$68,666,295$17,381,790$11,229,874$44,817,900
78$75,543,373$18,106,614$11,479,190$48,775,854
79$83,117,916$18,862,957$11,732,862$53,115,657
80$91,460,939$19,652,238$11,990,909$57,875,428
81$100,650,698$20,475,941$12,253,348$63,097,138
82$110,773,427$21,335,619$12,520,192$68,827,007
83$121,924,148$22,232,896$12,791,451$75,115,931
84$134,207,576$23,169,473$13,067,129$82,019,961
85$147,739,100$24,147,128$13,347,229$89,600,822
86$162,645,873$25,167,722$13,631,745$97,926,497
87$179,068,014$26,233,203$13,920,671$107,071,858
88$197,159,930$27,345,608$14,213,992$117,119,369
89$217,091,771$28,507,071$14,511,689$128,159,858
90$239,051,038$29,719,824$14,813,737$140,293,368
91$263,244,352$30,986,203$15,120,105$153,630,096
92$289,899,401$32,308,653$15,430,754$168,291,423
93$319,267,096$33,689,733$15,745,641$184,411,058
94$351,623,931$35,132,121$16,064,711$202,136,286
95$387,274,599$36,638,622$16,387,905$221,629,358
96$426,554,863$38,212,169$16,715,155$243,069,008
97$469,834,729$39,855,835$17,046,383$266,652,134
98$517,521,937$41,572,836$17,381,502$292,595,650
99$570,065,807$43,366,538$17,720,415$321,138,522
100$627,961,487$45,240,466$18,063,016$352,544,012