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%12.4%
1 years$619,343$613,826$608,444$603,190$598,061$592,061
2 years$306,605$300,895$295,361$289,995$284,791$278,748
3 years$202,373$196,638$191,118$185,803$180,683$174,785
4 years$150,267$144,550$139,085$133,860$128,865$123,156
5 years$119,012$113,329$107,936$102,818$97,961$92,459
6 years$98,182$92,542$87,228$82,224$77,513$72,224
7 years$83,309$77,716$72,487$67,601$63,039$57,965
8 years$72,160$66,617$61,475$56,709$52,297$47,438
9 years$63,492$58,002$52,948$48,303$44,041$39,397
10 years$56,562$51,126$46,161$41,638$37,526$33,091
11 years$50,896$45,515$40,640$36,237$32,273$28,046
12 years$46,178$40,851$36,067$31,785$27,967$23,943
13 years$42,189$36,918$32,223$28,062$24,388$20,562
14 years$38,772$33,557$28,953$24,910$21,378$17,745
15 years$35,814$30,655$26,140$22,215$18,823$15,377
16 years$33,228$28,126$23,700$19,891$16,636$13,372
17 years$30,948$25,903$21,566$17,872$14,751$11,662
18 years$28,925$23,935$19,687$16,106$13,116$10,197
19 years$27,116$22,183$18,023$14,554$11,690$8,935
20 years$25,490$20,613$16,540$13,181$10,442$7,844
21 years$24,021$19,201$15,214$11,963$9,344$6,898
22 years$22,687$17,923$14,022$10,877$8,376$6,074
23 years$21,471$16,763$12,947$9,906$7,519$5,355
24 years$20,358$15,706$11,974$9,035$6,758$4,726
25 years$19,336$14,739$11,090$8,251$6,081$4,175
26 years$18,394$13,852$10,285$7,544$5,478$3,691
27 years$17,523$13,037$9,551$6,905$4,939$3,266
28 years$16,716$12,284$8,879$6,327$4,456$2,891
29 years$15,966$11,589$8,262$5,802$4,024$2,561
30 years$15,267$10,945$7,696$5,325$3,636$2,270
31 years$14,614$10,346$7,175$4,890$3,287$2,013
32 years$14,004$9,790$6,694$4,494$2,973$1,785
33 years$13,431$9,271$6,251$4,133$2,691$1,584
34 years$12,894$8,787$5,840$3,803$2,436$1,406
35 years$12,388$8,334$5,460$3,500$2,207$1,248
36 years$11,912$7,910$5,108$3,224$1,999$1,108
37 years$11,462$7,513$4,781$2,970$1,812$985
38 years$11,037$7,140$4,477$2,738$1,643$875
39 years$10,635$6,789$4,194$2,524$1,490$777
40 years$10,254$6,460$3,931$2,328$1,351$691
41 years$9,892$6,149$3,686$2,148$1,226$614
42 years$9,549$5,856$3,458$1,983$1,112$546
43 years$9,222$5,580$3,245$1,830$1,010$485
44 years$8,911$5,319$3,046$1,690$916$431
45 years$8,615$5,072$2,860$1,561$832$383
46 years$8,332$4,838$2,686$1,442$755$341
47 years$8,063$4,617$2,524$1,332$686$303
48 years$7,805$4,408$2,372$1,231$623$270
49 years$7,558$4,209$2,229$1,137$566$240
50 years$7,323$4,021$2,096$1,051$514$213

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 $3,425 every year, while hoping to spend $49,148 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: 30/45/25 Blend
51$7,500,000$7,500,000$7,500,000$7,500,000
52$8,268,533$7,871,033$7,754,783$8,452,524
53$9,059,630$8,204,420$7,962,275$8,928,454
54$9,929,772$8,552,497$8,175,071$9,435,514
55$10,886,969$8,915,930$8,393,296$9,980,010
56$11,940,048$9,295,418$8,617,080$10,565,222
57$13,098,733$9,691,694$8,846,552$11,194,746
58$14,373,739$10,105,522$9,081,847$11,872,518
59$15,776,872$10,537,704$9,323,100$12,602,857
60$17,321,141$10,989,079$9,570,452$13,390,494
61$19,020,878$11,460,525$9,824,043$14,240,620
62$20,891,878$11,952,961$10,084,018$15,158,927
63$22,951,542$12,467,348$10,350,525$16,151,660
64$25,219,045$13,004,694$10,623,714$17,225,673
65$27,715,517$13,566,053$10,903,737$18,388,488
66$30,464,238$14,152,529$11,190,752$19,648,365
67$33,490,865$14,765,277$11,484,916$21,014,370
68$36,823,664$15,405,507$11,786,391$22,496,463
69$40,493,786$16,074,485$12,095,344$24,105,582
70$44,535,555$16,773,537$12,411,940$25,853,744
71$48,986,793$17,504,052$12,736,352$27,754,153
72$53,889,179$18,267,483$13,068,753$29,821,320
73$59,288,639$19,065,354$13,409,320$32,071,191
74$65,235,780$19,899,257$13,758,232$34,521,297
75$71,786,371$20,770,861$14,115,674$37,190,910
76$79,001,863$21,681,916$14,481,832$40,101,220
77$86,949,974$22,634,250$14,856,894$43,275,527
78$95,705,324$23,629,782$15,241,053$46,739,455
79$105,350,144$24,670,518$15,634,505$50,521,188
80$115,975,046$25,758,560$16,037,447$54,651,726
81$127,679,882$26,896,111$16,450,083$59,165,173
82$140,574,685$28,085,476$16,872,617$64,099,047
83$154,780,710$29,329,071$17,305,257$69,494,628
84$170,431,573$30,629,426$17,748,213$75,397,339
85$187,674,515$31,989,190$18,201,700$81,857,165
86$206,671,793$33,411,138$18,665,935$88,929,114
87$227,602,210$34,898,178$19,141,137$96,673,727
88$250,662,801$36,453,354$19,627,531$105,157,640
89$276,070,695$38,079,857$20,125,342$114,454,200
90$304,065,164$39,781,027$20,634,798$124,644,146
91$334,909,878$41,560,365$21,156,132$135,816,362
92$368,895,401$43,421,538$21,689,577$148,068,698
93$406,341,926$45,368,387$22,235,372$161,508,886
94$447,602,301$47,404,937$22,793,755$176,255,539
95$493,065,359$49,535,402$23,364,969$192,439,258
96$543,159,589$51,764,200$23,949,259$210,203,850
97$598,357,180$54,095,959$24,546,872$229,707,670
98$659,178,477$56,535,526$25,158,058$251,125,097
99$726,196,896$59,087,981$25,783,067$274,648,166
100$800,044,334$61,758,647$26,422,154$300,488,359