Can I retire at age 52 with 7,100,000?

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 $7,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.9%
1 years$586,311$581,089$575,993$571,020$566,164$561,655
2 years$290,253$284,847$279,608$274,529$269,602$265,057
3 years$191,580$186,151$180,925$175,893$171,047$166,606
4 years$142,253$136,841$131,667$126,721$121,992$117,690
5 years$112,665$107,285$102,179$97,334$92,736$88,586
6 years$92,945$87,606$82,576$77,839$73,379$69,385
7 years$78,866$73,571$68,621$63,996$59,677$55,842
8 years$68,311$63,064$58,196$53,684$49,508$45,831
9 years$60,106$54,909$50,124$45,727$41,693$38,173
10 years$53,546$48,399$43,699$39,417$35,524$32,161
11 years$48,182$43,087$38,472$34,305$30,552$27,341
12 years$43,715$38,673$34,143$30,090$26,476$23,415
13 years$39,939$34,949$30,505$26,565$23,087$20,173
14 years$36,704$31,768$27,409$23,581$20,238$17,467
15 years$33,904$29,020$24,746$21,030$17,819$15,188
16 years$31,456$26,625$22,436$18,830$15,749$13,252
17 years$29,298$24,521$20,416$16,919$13,964$11,598
18 years$27,382$22,659$18,637$15,247$12,416$10,177
19 years$25,670$21,000$17,061$13,777$11,067$8,950
20 years$24,131$19,514$15,658$12,478$9,885$7,886
21 years$22,740$18,177$14,402$11,325$8,846$6,960
22 years$21,477$16,967$13,274$10,297$7,929$6,152
23 years$20,326$15,869$12,256$9,377$7,118$5,444
24 years$19,273$14,868$11,335$8,553$6,398$4,823
25 years$18,305$13,953$10,498$7,811$5,757$4,278
26 years$17,413$13,114$9,737$7,142$5,186$3,797
27 years$16,589$12,341$9,041$6,537$4,675$3,373
28 years$15,824$11,629$8,405$5,989$4,218$2,998
29 years$15,114$10,971$7,822$5,492$3,809$2,666
30 years$14,453$10,361$7,286$5,041$3,442$2,373
31 years$13,835$9,794$6,792$4,629$3,112$2,113
32 years$13,257$9,268$6,337$4,255$2,815$1,882
33 years$12,715$8,777$5,917$3,912$2,547$1,676
34 years$12,206$8,318$5,529$3,600$2,306$1,494
35 years$11,728$7,890$5,169$3,314$2,089$1,332
36 years$11,276$7,488$4,835$3,052$1,893$1,188
37 years$10,851$7,112$4,526$2,812$1,715$1,060
38 years$10,448$6,759$4,238$2,592$1,555$945
39 years$10,068$6,427$3,971$2,390$1,410$844
40 years$9,707$6,115$3,722$2,204$1,279$753
41 years$9,364$5,821$3,490$2,034$1,161$672
42 years$9,039$5,544$3,274$1,877$1,053$600
43 years$8,730$5,282$3,072$1,733$956$536
44 years$8,436$5,035$2,883$1,600$867$478
45 years$8,155$4,801$2,707$1,477$788$427
46 years$7,888$4,580$2,543$1,365$715$381
47 years$7,633$4,371$2,389$1,261$649$341
48 years$7,389$4,173$2,245$1,165$590$304
49 years$7,155$3,985$2,110$1,077$536$272
50 years$6,932$3,806$1,984$995$486$243

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $7,100,000, adding $4,701 every year, while hoping to spend $25,399 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: 49/28/23 Blend
51$7,100,000$7,100,000$7,100,000$7,100,000
52$7,829,049$7,452,749$7,342,699$8,161,601
53$8,600,588$7,790,909$7,561,655$8,731,864
54$9,449,972$8,144,788$7,787,095$9,348,105
55$10,385,116$8,515,129$8,019,209$10,017,078
56$11,414,738$8,902,711$8,258,193$10,743,766
57$12,548,447$9,308,350$8,504,249$11,533,646
58$13,796,832$9,732,902$8,757,584$12,392,736
59$15,171,557$10,177,263$9,018,411$13,327,649
60$16,685,479$10,642,372$9,286,951$14,345,655
61$18,352,763$11,129,214$9,563,430$15,454,746
62$20,189,020$11,638,820$9,848,079$16,663,710
63$22,211,449$12,172,271$10,141,139$17,982,208
64$24,439,005$12,730,701$10,442,855$19,420,869
65$26,892,575$13,315,296$10,753,482$20,991,377
66$29,595,173$13,927,301$11,073,280$22,706,590
67$32,572,163$14,568,021$11,402,516$24,580,650
68$35,851,491$15,238,822$11,741,468$26,629,113
69$39,463,956$15,941,136$12,090,420$28,869,100
70$43,443,493$16,676,466$12,449,663$31,319,446
71$47,827,501$17,446,385$12,819,499$34,000,878
72$52,657,191$18,252,542$13,200,236$36,936,207
73$57,977,974$19,096,666$13,592,193$40,150,539
74$63,839,894$19,980,569$13,995,699$43,671,507
75$70,298,097$20,906,151$14,411,088$47,529,526
76$77,413,352$21,875,402$14,838,710$51,758,079
77$85,252,627$22,890,410$15,278,919$56,394,022
78$93,889,715$23,953,360$15,732,083$61,477,934
79$103,405,938$25,066,547$16,198,580$67,054,490
80$113,890,910$26,232,373$16,678,798$73,172,878
81$125,443,381$27,453,358$17,173,137$79,887,256
82$138,172,176$28,732,143$17,682,007$87,257,262
83$152,197,216$30,071,496$18,205,832$95,348,563
84$167,650,651$31,474,318$18,745,047$104,233,474
85$184,678,110$32,943,653$19,300,099$113,991,632
86$203,440,074$34,482,688$19,871,448$124,710,739
87$224,113,389$36,094,767$20,459,569$136,487,383
88$246,892,938$37,783,394$21,064,948$149,427,944
89$271,993,481$39,552,244$21,688,087$163,649,585
90$299,651,679$41,405,167$22,329,501$179,281,353
91$330,128,332$43,346,202$22,989,721$196,465,386
92$363,710,837$45,379,581$23,669,292$215,358,246
93$400,715,904$47,509,742$24,368,775$236,132,387
94$441,492,545$49,741,338$25,088,748$258,977,773
95$486,425,367$52,079,246$25,829,803$284,103,658
96$535,938,206$54,528,580$26,592,553$311,740,552
97$590,498,123$57,094,701$27,377,624$342,142,383
98$650,619,820$59,783,230$28,185,662$375,588,885
99$716,870,493$62,600,060$29,017,334$412,388,220
100$789,875,190$65,551,369$29,873,321$452,879,881