Can I retire at age 72 with 5,200,000?

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 $5,200,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.9%
1 years$429,411$425,586$421,854$418,212$414,655$407,954
2 years$212,580$208,621$204,784$201,063$197,455$190,722
3 years$140,312$136,336$132,509$128,823$125,274$118,718
4 years$104,185$100,221$96,432$92,810$89,346$83,019
5 years$82,515$78,575$74,835$71,287$67,919$61,839
6 years$68,073$64,162$60,478$57,009$53,742$47,916
7 years$57,761$53,883$50,258$46,870$43,707$38,136
8 years$50,031$46,188$42,622$39,318$36,259$30,942
9 years$44,021$40,215$36,711$33,490$30,535$25,470
10 years$39,217$35,447$32,005$28,869$26,018$21,200
11 years$35,288$31,557$28,177$25,125$22,376$17,800
12 years$32,017$28,324$25,006$22,038$19,391$15,052
13 years$29,251$25,596$22,341$19,456$16,909$12,800
14 years$26,882$23,266$20,074$17,271$14,822$10,937
15 years$24,831$21,254$18,124$15,403$13,051$9,381
16 years$23,038$19,500$16,432$13,791$11,534$8,073
17 years$21,458$17,959$14,953$12,391$10,227$6,967
18 years$20,054$16,595$13,650$11,167$9,093$6,026
19 years$18,800$15,380$12,496$10,090$8,105$5,223
20 years$17,673$14,292$11,468$9,139$7,240$4,535
21 years$16,655$13,312$10,548$8,294$6,479$3,943
22 years$15,730$12,427$9,722$7,541$5,807$3,433
23 years$14,887$11,622$8,976$6,868$5,213$2,992
24 years$14,115$10,889$8,302$6,264$4,686$2,610
25 years$13,406$10,219$7,689$5,721$4,216$2,278
26 years$12,753$9,604$7,131$5,231$3,798$1,991
27 years$12,149$9,039$6,622$4,788$3,424$1,740
28 years$11,590$8,517$6,156$4,387$3,090$1,522
29 years$11,070$8,035$5,729$4,023$2,790$1,332
30 years$10,585$7,588$5,336$3,692$2,521$1,166
31 years$10,133$7,173$4,975$3,391$2,279$1,021
32 years$9,709$6,787$4,641$3,116$2,062$895
33 years$9,312$6,428$4,334$2,865$1,866$784
34 years$8,940$6,092$4,049$2,636$1,689$687
35 years$8,589$5,778$3,786$2,427$1,530$602
36 years$8,259$5,484$3,541$2,235$1,386$528
37 years$7,947$5,209$3,315$2,059$1,256$463
38 years$7,652$4,950$3,104$1,898$1,139$406
39 years$7,373$4,707$2,908$1,750$1,033$356
40 years$7,109$4,479$2,726$1,614$937$313
41 years$6,859$4,263$2,556$1,489$850$274
42 years$6,620$4,060$2,398$1,375$771$241
43 years$6,394$3,869$2,250$1,269$700$211
44 years$6,178$3,688$2,112$1,172$635$185
45 years$5,973$3,516$1,983$1,082$577$163
46 years$5,777$3,354$1,862$999$524$143
47 years$5,590$3,201$1,750$923$476$125
48 years$5,411$3,056$1,644$853$432$110
49 years$5,241$2,918$1,545$789$392$97
50 years$5,077$2,788$1,453$729$356$85

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 72 starting with $5,200,000, adding $6,991 every year, while hoping to spend $56,394 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: 76/19/5 Blend
71$5,200,000$5,200,000$5,200,000$5,200,000
72$5,737,611$5,462,011$5,381,411$6,171,444
73$6,262,845$5,669,647$5,501,686$6,664,885
74$6,839,762$5,885,567$5,624,099$7,197,593
75$7,473,575$6,110,117$5,748,664$7,779,789
76$8,170,026$6,343,659$5,875,391$8,416,355
77$8,935,441$6,586,571$6,004,289$9,112,664
78$9,776,789$6,839,245$6,135,365$9,874,632
79$10,701,746$7,102,093$6,268,625$10,708,773
80$11,718,773$7,375,544$6,404,072$11,622,255
81$12,837,188$7,660,046$6,541,709$12,622,974
82$14,067,259$7,956,066$6,681,534$13,719,623
83$15,420,299$8,264,093$6,823,544$14,921,773
84$16,908,771$8,584,635$6,967,735$16,239,965
85$18,546,409$8,918,226$7,114,097$17,685,806
86$20,348,344$9,265,420$7,262,621$19,272,079
87$22,331,247$9,626,798$7,413,291$21,012,863
88$24,513,489$10,002,965$7,566,091$22,923,662
89$26,915,310$10,394,556$7,720,999$25,021,554
90$29,559,012$10,802,229$7,877,993$27,325,348
91$32,469,169$11,226,677$8,037,044$29,855,762
92$35,672,859$11,668,619$8,198,120$32,635,616
93$39,199,919$12,128,809$8,361,185$35,690,048
94$43,083,224$12,608,034$8,526,198$39,046,746
95$47,359,000$13,107,115$8,693,114$42,736,213
96$52,067,167$13,626,913$8,861,882$46,792,049
97$57,251,710$14,168,323$9,032,446$51,251,271
98$62,961,097$14,732,283$9,204,746$56,154,655
99$69,248,737$15,319,774$9,378,713$61,547,126
100$76,173,484$15,931,818$9,554,276$67,478,173