Can I retire at age 52 with 6,300,000?

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 $6,300,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.2%
1 years$520,248$515,614$511,093$506,680$502,371$487,658
2 years$257,549$252,752$248,103$243,596$239,224$224,520
3 years$169,994$165,176$160,539$156,074$151,774$137,539
4 years$126,225$121,422$116,831$112,443$108,246$94,591
5 years$99,970$95,196$90,666$86,367$82,287$69,248
6 years$82,473$77,735$73,272$69,068$65,111$52,700
7 years$69,980$65,282$60,889$56,785$52,953$41,170
8 years$60,614$55,958$51,639$47,635$43,929$32,768
9 years$53,333$48,722$44,476$40,575$36,995$26,443
10 years$47,512$42,946$38,776$34,976$31,521$21,564
11 years$42,753$38,232$34,137$30,439$27,110$17,731
12 years$38,789$34,315$30,296$26,700$23,493$14,673
13 years$35,438$31,011$27,068$23,572$20,486$12,206
14 years$32,569$28,188$24,320$20,924$17,958$10,197
15 years$30,084$25,750$21,958$18,661$15,812$8,548
16 years$27,911$23,625$19,908$16,709$13,974$7,186
17 years$25,997$21,758$18,116$15,013$12,391$6,055
18 years$24,297$20,106$16,537$13,529$11,017$5,113
19 years$22,777$18,634$15,139$12,225$9,820$4,324
20 years$21,412$17,315$13,894$11,072$8,771$3,661
21 years$20,178$16,128$12,780$10,049$7,849$3,104
22 years$19,057$15,055$11,778$9,136$7,036$2,634
23 years$18,036$14,081$10,875$8,321$6,316$2,237
24 years$17,101$13,193$10,058$7,589$5,677$1,902
25 years$16,242$12,381$9,316$6,931$5,108$1,617
26 years$15,451$11,636$8,640$6,337$4,601$1,376
27 years$14,719$10,951$8,023$5,801$4,148$1,171
28 years$14,041$10,319$7,458$5,315$3,743$997
29 years$13,411$9,735$6,940$4,874$3,380$849
30 years$12,824$9,193$6,465$4,473$3,054$724
31 years$12,276$8,691$6,027$4,108$2,761$617
32 years$11,763$8,223$5,623$3,775$2,498$526
33 years$11,282$7,788$5,250$3,472$2,260$448
34 years$10,831$7,381$4,906$3,194$2,047$382
35 years$10,406$7,001$4,586$2,940$1,854$326
36 years$10,006$6,645$4,291$2,708$1,679$278
37 years$9,628$6,311$4,016$2,495$1,522$237
38 years$9,271$5,998$3,761$2,300$1,380$202
39 years$8,933$5,703$3,523$2,121$1,251$172
40 years$8,613$5,426$3,302$1,956$1,135$147
41 years$8,309$5,165$3,097$1,805$1,030$125
42 years$8,021$4,919$2,905$1,665$934$107
43 years$7,746$4,687$2,726$1,537$848$91
44 years$7,485$4,468$2,559$1,419$770$78
45 years$7,236$4,260$2,402$1,311$699$66
46 years$6,999$4,064$2,256$1,211$634$57
47 years$6,773$3,878$2,120$1,119$576$48
48 years$6,556$3,702$1,992$1,034$523$41
49 years$6,349$3,536$1,872$955$475$35
50 years$6,151$3,377$1,760$883$432$30

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $6,300,000, adding $5,873 every year, while hoping to spend $31,694 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: 38/42/20 Blend
51$6,300,000$6,300,000$6,300,000$6,300,000
52$6,948,658$6,614,758$6,517,108$7,170,836
53$7,623,699$6,905,159$6,701,709$7,622,245
54$8,366,532$7,208,727$6,891,432$8,106,346
55$9,184,038$7,526,075$7,086,415$8,628,877
56$10,083,799$7,857,842$7,286,799$9,193,326
57$11,074,171$8,204,700$7,492,731$9,803,515
58$12,164,358$8,567,352$7,704,358$10,463,642
59$13,364,503$8,946,533$7,921,835$11,178,309
60$14,685,783$9,343,014$8,145,318$11,952,568
61$16,140,515$9,757,604$8,374,968$12,791,967
62$17,742,268$10,191,146$8,610,949$13,702,595
63$19,505,995$10,644,528$8,853,432$14,691,138
64$21,448,174$11,118,678$9,102,589$15,764,942
65$23,586,961$11,614,566$9,358,599$16,932,075
66$25,942,363$12,133,212$9,621,645$18,201,401
67$28,536,426$12,675,682$9,891,912$19,582,662
68$31,393,444$13,243,093$10,169,594$21,086,561
69$34,540,186$13,836,615$10,454,886$22,724,867
70$38,006,151$14,457,476$10,747,991$24,510,513
71$41,823,845$15,106,958$11,049,115$26,457,721
72$46,029,088$15,786,410$11,358,471$28,582,128
73$50,661,350$16,497,239$11,676,275$30,900,928
74$55,764,128$17,240,924$12,002,750$33,433,032
75$61,385,352$18,019,012$12,338,125$36,199,242
76$67,577,839$18,833,124$12,682,633$39,222,439
77$74,399,791$19,684,961$13,036,515$42,527,792
78$81,915,347$20,576,301$13,400,015$46,142,996
79$90,195,183$21,509,010$13,773,386$50,098,522
80$99,317,184$22,485,043$14,156,886$54,427,898
81$109,367,174$23,506,448$14,550,779$59,168,022
82$120,439,731$24,575,370$14,955,336$64,359,501
83$132,639,079$25,694,058$15,370,835$70,047,027
84$146,080,066$26,864,868$15,797,559$76,279,792
85$160,889,256$28,090,270$16,235,801$83,111,944
86$177,206,118$29,372,850$16,685,858$90,603,088
87$195,184,343$30,715,321$17,148,035$98,818,843
88$214,993,298$32,120,524$17,622,646$107,831,449
89$236,819,622$33,591,437$18,110,012$117,720,441
90$260,868,986$35,131,180$18,610,460$128,573,390
91$287,368,038$36,743,024$19,124,327$140,486,716
92$316,566,543$38,430,396$19,651,956$153,566,594
93$348,739,734$40,196,889$20,193,700$167,929,934
94$384,190,917$42,046,268$20,749,920$183,705,484
95$423,254,333$43,982,478$21,320,985$201,035,025
96$466,298,310$46,009,654$21,907,272$220,074,698
97$513,728,741$48,132,130$22,509,170$240,996,464
98$565,992,919$50,354,450$23,127,073$263,989,716
99$623,583,754$52,681,375$23,761,387$289,263,047
100$687,044,429$55,117,896$24,412,526$317,046,204