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

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 $7,600,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.5%
1 years$627,601$622,011$616,556$611,233$606,035$597,225
2 years$310,694$304,907$299,299$293,862$288,588$279,731
3 years$205,072$199,260$193,666$188,280$183,092$174,463
4 years$152,271$146,477$140,940$135,645$130,583$122,248
5 years$120,599$114,840$109,375$104,189$99,267$91,251
6 years$99,491$93,775$88,391$83,320$78,547$70,858
7 years$84,420$78,753$73,453$68,502$63,879$56,522
8 years$73,122$67,505$62,294$57,465$52,994$45,966
9 years$64,339$58,776$53,654$48,947$44,629$37,927
10 years$57,317$51,808$46,777$42,193$38,026$31,645
11 years$51,575$46,121$41,182$36,721$32,704$26,638
12 years$46,794$41,396$36,548$32,209$28,340$22,582
13 years$42,751$37,410$32,653$28,436$24,713$19,254
14 years$39,289$34,005$29,339$25,242$21,663$16,496
15 years$36,291$31,064$26,489$22,511$19,074$14,188
16 years$33,671$28,501$24,016$20,157$16,858$12,244
17 years$31,361$26,248$21,854$18,110$14,947$10,597
18 years$29,310$24,254$19,950$16,321$13,290$9,193
19 years$27,477$22,479$18,263$14,748$11,846$7,991
20 years$25,830$20,888$16,761$13,357$10,581$6,958
21 years$24,341$19,457$15,417$12,122$9,469$6,068
22 years$22,990$18,162$14,209$11,022$8,488$5,299
23 years$21,758$16,987$13,119$10,038$7,619$4,633
24 years$20,630$15,915$12,133$9,155$6,848$4,054
25 years$19,594$14,936$11,238$8,361$6,162$3,551
26 years$18,639$14,037$10,422$7,645$5,551$3,112
27 years$17,757$13,211$9,678$6,997$5,004$2,729
28 years$16,939$12,448$8,997$6,411$4,516$2,395
29 years$16,179$11,744$8,373$5,879$4,077$2,103
30 years$15,470$11,091$7,799$5,396$3,684$1,847
31 years$14,809$10,484$7,271$4,955$3,331$1,623
32 years$14,190$9,920$6,784$4,554$3,013$1,426
33 years$13,610$9,395$6,334$4,188$2,727$1,254
34 years$13,066$8,904$5,918$3,853$2,469$1,103
35 years$12,553$8,445$5,533$3,547$2,236$970
36 years$12,071$8,016$5,176$3,267$2,026$853
37 years$11,615$7,613$4,845$3,010$1,836$751
38 years$11,184$7,235$4,537$2,774$1,665$661
39 years$10,777$6,880$4,250$2,558$1,510$582
40 years$10,390$6,546$3,984$2,359$1,369$512
41 years$10,024$6,231$3,736$2,177$1,242$451
42 years$9,676$5,934$3,504$2,009$1,127$397
43 years$9,345$5,654$3,288$1,855$1,023$350
44 years$9,030$5,389$3,087$1,712$929$308
45 years$8,730$5,139$2,898$1,581$843$271
46 years$8,443$4,903$2,722$1,461$765$239
47 years$8,170$4,679$2,557$1,350$695$210
48 years$7,909$4,466$2,403$1,247$631$185
49 years$7,659$4,265$2,259$1,153$573$163
50 years$7,420$4,074$2,124$1,065$521$144

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 $5,236 every year, while hoping to spend $47,260 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: 59/11/30 Blend
51$7,600,000$7,600,000$7,600,000$7,600,000
52$8,380,601$7,977,801$7,860,001$8,806,042
53$9,185,138$8,318,429$8,073,027$9,438,701
54$10,070,154$8,674,164$8,291,605$10,123,059
55$11,043,807$9,045,696$8,515,872$10,868,637
56$12,115,088$9,433,747$8,745,966$11,681,408
57$13,293,902$9,839,075$8,982,030$12,567,943
58$14,591,161$10,262,471$9,224,209$13,535,474
59$16,018,890$10,704,763$9,472,651$14,591,961
60$17,590,341$11,166,820$9,727,509$15,746,166
61$19,320,111$11,649,550$9,988,936$17,007,734
62$21,224,288$12,153,903$10,257,090$18,387,284
63$23,320,597$12,680,876$10,532,135$19,896,505
64$25,628,569$13,231,511$10,814,233$21,548,268
65$28,169,727$13,806,898$11,103,553$23,356,745
66$30,967,784$14,408,182$11,400,268$25,337,538
67$34,048,873$15,036,558$11,704,552$27,507,831
68$37,441,788$15,693,279$12,016,584$29,886,546
69$41,178,258$16,379,657$12,336,547$32,494,521
70$45,293,247$17,097,067$12,664,628$35,354,704
71$49,825,280$17,846,945$13,001,015$38,492,370
72$54,816,813$18,630,800$13,345,903$41,935,355
73$60,314,627$19,450,208$13,699,490$45,714,321
74$66,370,272$20,306,822$14,061,976$49,863,037
75$73,040,556$21,202,371$14,433,568$54,418,701
76$80,388,074$22,138,669$14,814,474$59,422,287
77$88,481,807$23,117,613$15,204,908$64,918,929
78$97,397,766$24,141,191$15,605,088$70,958,346
79$107,219,714$25,211,485$16,015,234$77,595,307
80$118,039,953$26,330,676$16,435,572$84,890,148
81$129,960,197$27,501,048$16,866,333$92,909,335
82$143,092,531$28,724,993$17,307,749$101,726,093
83$157,560,469$30,005,018$17,760,059$111,421,093
84$173,500,121$31,343,748$18,223,505$122,083,207
85$191,061,475$32,743,933$18,698,333$133,810,349
86$210,409,813$34,208,454$19,184,796$146,710,393
87$231,727,275$35,740,328$19,683,146$160,902,190
88$255,214,570$37,342,718$20,193,645$176,516,684
89$281,092,880$39,018,935$20,716,556$193,698,145
90$309,605,939$40,772,448$21,252,147$212,605,530
91$341,022,341$42,606,894$21,800,689$233,413,976
92$375,638,069$44,526,081$22,362,461$256,316,451
93$413,779,291$46,533,998$22,937,743$281,525,572
94$455,805,441$48,634,826$23,526,820$309,275,606
95$502,112,610$50,832,947$24,129,982$339,824,680
96$553,137,282$53,132,947$24,747,523$373,457,208
97$609,360,461$55,539,638$25,379,741$410,486,576
98$671,312,204$58,058,056$26,026,938$451,258,093
99$739,576,629$60,693,481$26,689,421$496,152,245
100$814,797,429$63,451,446$27,367,500$545,588,284