Can I retire at age 52 with 7,500,000?

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 $7,500,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.5%
1 years$619,343$613,826$608,444$603,190$598,061$577,530
2 years$306,605$300,895$295,361$289,995$284,791$264,316
3 years$202,373$196,638$191,118$185,803$180,683$160,907
4 years$150,267$144,550$139,085$133,860$128,865$109,938
5 years$119,012$113,329$107,936$102,818$97,961$79,934
6 years$98,182$92,542$87,228$82,224$77,513$60,400
7 years$83,309$77,716$72,487$67,601$63,039$46,837
8 years$72,160$66,617$61,475$56,709$52,297$36,993
9 years$63,492$58,002$52,948$48,303$44,041$29,617
10 years$56,562$51,126$46,161$41,638$37,526$23,956
11 years$50,896$45,515$40,640$36,237$32,273$19,533
12 years$46,178$40,851$36,067$31,785$27,967$16,026
13 years$42,189$36,918$32,223$28,062$24,388$13,215
14 years$38,772$33,557$28,953$24,910$21,378$10,940
15 years$35,814$30,655$26,140$22,215$18,823$9,087
16 years$33,228$28,126$23,700$19,891$16,636$7,568
17 years$30,948$25,903$21,566$17,872$14,751$6,317
18 years$28,925$23,935$19,687$16,106$13,116$5,282
19 years$27,116$22,183$18,023$14,554$11,690$4,423
20 years$25,490$20,613$16,540$13,181$10,442$3,708
21 years$24,021$19,201$15,214$11,963$9,344$3,113
22 years$22,687$17,923$14,022$10,877$8,376$2,615
23 years$21,471$16,763$12,947$9,906$7,519$2,198
24 years$20,358$15,706$11,974$9,035$6,758$1,849
25 years$19,336$14,739$11,090$8,251$6,081$1,556
26 years$18,394$13,852$10,285$7,544$5,478$1,310
27 years$17,523$13,037$9,551$6,905$4,939$1,104
28 years$16,716$12,284$8,879$6,327$4,456$930
29 years$15,966$11,589$8,262$5,802$4,024$784
30 years$15,267$10,945$7,696$5,325$3,636$660
31 years$14,614$10,346$7,175$4,890$3,287$557
32 years$14,004$9,790$6,694$4,494$2,973$470
33 years$13,431$9,271$6,251$4,133$2,691$396
34 years$12,894$8,787$5,840$3,803$2,436$334
35 years$12,388$8,334$5,460$3,500$2,207$282
36 years$11,912$7,910$5,108$3,224$1,999$238
37 years$11,462$7,513$4,781$2,970$1,812$200
38 years$11,037$7,140$4,477$2,738$1,643$169
39 years$10,635$6,789$4,194$2,524$1,490$143
40 years$10,254$6,460$3,931$2,328$1,351$120
41 years$9,892$6,149$3,686$2,148$1,226$102
42 years$9,549$5,856$3,458$1,983$1,112$86
43 years$9,222$5,580$3,245$1,830$1,010$72
44 years$8,911$5,319$3,046$1,690$916$61
45 years$8,615$5,072$2,860$1,561$832$51
46 years$8,332$4,838$2,686$1,442$755$43
47 years$8,063$4,617$2,524$1,332$686$37
48 years$7,805$4,408$2,372$1,231$623$31
49 years$7,558$4,209$2,229$1,137$566$26
50 years$7,323$4,021$2,096$1,051$514$22

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $7,500,000, adding $4,161 every year, while hoping to spend $20,939 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: 49/35/16 Blend
51$7,500,000$7,500,000$7,500,000$7,500,000
52$8,269,292$7,871,792$7,755,542$8,637,526
53$9,090,481$8,235,231$7,993,074$9,255,593
54$9,994,729$8,615,777$8,237,861$9,924,115
55$10,990,487$9,014,245$8,490,125$10,649,869
56$12,087,065$9,431,492$8,750,093$11,438,234
57$13,294,725$9,868,413$9,017,999$12,295,118
58$14,624,770$10,325,949$9,294,086$13,227,012
59$16,089,662$10,805,086$9,578,603$14,241,046
60$17,703,126$11,306,854$9,871,805$15,345,054
61$19,480,292$11,832,337$10,173,958$16,547,646
62$21,437,830$12,382,669$10,485,333$17,858,286
63$23,594,109$12,959,040$10,806,212$19,287,376
64$25,969,371$13,562,696$11,136,883$20,846,351
65$28,585,923$14,194,944$11,477,645$22,547,787
66$31,468,345$14,857,154$11,828,803$24,405,509
67$34,643,723$15,550,762$12,190,676$26,434,723
68$38,141,907$16,277,274$12,563,588$28,652,155
69$41,995,788$17,038,267$12,947,874$31,076,199
70$46,241,613$17,835,396$13,343,882$33,727,092
71$50,919,322$18,670,395$13,751,967$36,627,099
72$56,072,931$19,545,083$14,172,497$39,800,714
73$61,750,944$20,461,366$14,605,849$43,274,891
74$68,006,809$21,421,241$15,052,413$47,079,290
75$74,899,426$22,426,805$15,512,591$51,246,550
76$82,493,701$23,480,252$15,986,797$55,812,596
77$90,861,160$24,583,886$16,475,457$60,816,964
78$100,080,623$25,740,121$16,979,009$66,303,176
79$110,238,947$26,951,488$17,497,907$72,319,137
80$121,431,849$28,220,639$18,032,615$78,917,582
81$133,764,805$29,550,358$18,583,615$86,156,569
82$147,354,050$30,943,561$19,151,402$94,100,014
83$162,327,674$32,403,306$19,736,484$102,818,291
84$178,826,827$33,932,798$20,339,387$112,388,882
85$197,007,058$35,535,400$20,960,651$122,897,104
86$217,039,780$37,214,637$21,600,835$134,436,903
87$239,113,886$38,974,203$22,260,511$147,111,729
88$263,437,537$40,817,973$22,940,273$161,035,506
89$290,240,123$42,750,010$23,640,729$176,333,691
90$319,774,428$44,774,574$24,362,506$193,144,452
91$352,319,022$46,896,130$25,106,252$211,619,958
92$388,180,884$49,119,362$25,872,634$231,927,800
93$427,698,303$51,449,180$26,662,336$254,252,564
94$471,244,073$53,890,733$27,476,067$278,797,560
95$519,229,009$56,449,419$28,314,555$305,786,720
96$572,105,826$59,130,899$29,178,551$335,466,707
97$630,373,415$61,941,108$30,068,828$368,109,217
98$694,581,552$64,886,270$30,986,182$404,013,536
99$765,336,085$67,972,912$31,931,434$443,509,342
100$843,304,657$71,207,877$32,905,429$486,959,800