Can I retire at age 52 with 7,600,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $7,600,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.2%
1 years$627,601$622,011$616,556$611,233$606,035$593,071
2 years$310,694$304,907$299,299$293,862$288,588$275,591
3 years$205,072$199,260$193,666$188,280$183,092$170,467
4 years$152,271$146,477$140,940$135,645$130,583$118,426
5 years$120,599$114,840$109,375$104,189$99,267$87,614
6 years$99,491$93,775$88,391$83,320$78,547$67,409
7 years$84,420$78,753$73,453$68,502$63,879$53,260
8 years$73,122$67,505$62,294$57,465$52,994$42,889
9 years$64,339$58,776$53,654$48,947$44,629$35,031
10 years$57,317$51,808$46,777$42,193$38,026$28,926
11 years$51,575$46,121$41,182$36,721$32,704$24,089
12 years$46,794$41,396$36,548$32,209$28,340$20,199
13 years$42,751$37,410$32,653$28,436$24,713$17,030
14 years$39,289$34,005$29,339$25,242$21,663$14,424
15 years$36,291$31,064$26,489$22,511$19,074$12,262
16 years$33,671$28,501$24,016$20,157$16,858$10,456
17 years$31,361$26,248$21,854$18,110$14,947$8,940
18 years$29,310$24,254$19,950$16,321$13,290$7,660
19 years$27,477$22,479$18,263$14,748$11,846$6,576
20 years$25,830$20,888$16,761$13,357$10,581$5,654
21 years$24,341$19,457$15,417$12,122$9,469$4,867
22 years$22,990$18,162$14,209$11,022$8,488$4,195
23 years$21,758$16,987$13,119$10,038$7,619$3,619
24 years$20,630$15,915$12,133$9,155$6,848$3,125
25 years$19,594$14,936$11,238$8,361$6,162$2,701
26 years$18,639$14,037$10,422$7,645$5,551$2,335
27 years$17,757$13,211$9,678$6,997$5,004$2,020
28 years$16,939$12,448$8,997$6,411$4,516$1,748
29 years$16,179$11,744$8,373$5,879$4,077$1,514
30 years$15,470$11,091$7,799$5,396$3,684$1,311
31 years$14,809$10,484$7,271$4,955$3,331$1,136
32 years$14,190$9,920$6,784$4,554$3,013$984
33 years$13,610$9,395$6,334$4,188$2,727$853
34 years$13,066$8,904$5,918$3,853$2,469$740
35 years$12,553$8,445$5,533$3,547$2,236$641
36 years$12,071$8,016$5,176$3,267$2,026$556
37 years$11,615$7,613$4,845$3,010$1,836$483
38 years$11,184$7,235$4,537$2,774$1,665$419
39 years$10,777$6,880$4,250$2,558$1,510$363
40 years$10,390$6,546$3,984$2,359$1,369$315
41 years$10,024$6,231$3,736$2,177$1,242$273
42 years$9,676$5,934$3,504$2,009$1,127$237
43 years$9,345$5,654$3,288$1,855$1,023$206
44 years$9,030$5,389$3,087$1,712$929$179
45 years$8,730$5,139$2,898$1,581$843$155
46 years$8,443$4,903$2,722$1,461$765$135
47 years$8,170$4,679$2,557$1,350$695$117
48 years$7,909$4,466$2,403$1,247$631$101
49 years$7,659$4,265$2,259$1,153$573$88
50 years$7,420$4,074$2,124$1,065$521$76

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $7,600,000, adding $3,935 every year, while hoping to spend $57,533 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: 83/8/9 Blend
51$7,600,000$7,600,000$7,600,000$7,600,000
52$8,379,259$7,976,459$7,858,659$9,064,159
53$9,172,729$8,306,091$8,060,709$9,842,349
54$10,045,204$8,649,946$8,267,600$10,688,644
55$11,004,683$9,008,662$8,479,433$11,616,230
56$12,059,977$9,382,903$8,696,310$12,633,233
57$13,220,795$9,773,365$8,918,337$13,748,600
58$14,497,833$10,180,777$9,145,618$14,972,186
59$15,902,878$10,605,901$9,378,262$16,314,846
60$17,448,914$11,049,533$9,616,377$17,788,534
61$19,150,250$11,512,507$9,860,072$19,406,418
62$21,022,651$11,995,695$10,109,460$21,183,001
63$23,083,489$12,500,011$10,364,654$23,134,259
64$25,351,902$13,026,409$10,625,767$25,277,789
65$27,848,981$13,575,888$10,892,915$27,632,977
66$30,597,964$14,149,494$11,166,215$30,221,176
67$33,624,458$14,748,320$11,445,785$33,065,911
68$36,956,677$15,373,513$11,731,744$36,193,096
69$40,625,713$16,026,269$12,024,212$39,631,281
70$44,665,823$16,707,844$12,323,310$43,411,916
71$49,114,757$17,419,548$12,629,161$47,569,652
72$54,014,112$18,162,757$12,941,888$52,142,664
73$59,409,726$18,938,906$13,261,616$57,173,008
74$65,352,107$19,749,501$13,588,469$62,707,022
75$71,896,913$20,596,117$13,922,573$68,795,757
76$79,105,473$21,480,402$14,264,054$75,495,461
77$87,045,372$22,404,082$14,613,041$82,868,105
78$95,791,081$23,368,964$14,969,659$90,981,971
79$105,424,665$24,376,937$15,334,037$99,912,291
80$116,036,557$25,429,983$15,706,302$109,741,957
81$127,726,406$26,530,172$16,086,584$120,562,302
82$140,604,025$27,679,676$16,475,010$132,473,962
83$154,790,421$28,880,766$16,871,708$145,587,819
84$170,418,940$30,135,819$17,276,807$160,026,052
85$187,636,525$31,447,327$17,690,433$175,923,286
86$206,605,101$32,817,897$18,112,713$193,427,857
87$227,503,106$34,250,259$18,543,774$212,703,217
88$250,527,173$35,747,272$18,983,740$233,929,469
89$275,893,985$37,311,928$19,432,735$257,305,069
90$303,842,322$38,947,364$19,890,883$283,048,696
91$334,635,316$40,656,861$20,358,304$311,401,310
92$368,562,928$42,443,858$20,835,118$342,628,429
93$405,944,693$44,311,953$21,321,441$377,022,633
94$447,132,732$46,264,919$21,817,389$414,906,318
95$492,515,073$48,306,703$22,323,074$456,634,743
96$542,519,320$50,441,440$22,838,606$502,599,376
97$597,616,682$52,673,462$23,364,091$553,231,589
98$658,326,428$55,007,306$23,899,632$609,006,726
99$725,220,782$57,447,723$24,445,329$670,448,587
100$798,930,330$59,999,689$25,001,275$738,134,370