Can I retire at age 52 with 7,700,000?

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 $7,700,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.3%
1 years$635,859$630,195$624,669$619,275$614,009$605,583
2 years$314,782$308,919$303,237$297,729$292,385$283,912
3 years$207,770$201,882$196,215$190,758$185,501$177,243
4 years$154,274$148,405$142,794$137,430$132,301$124,321
5 years$122,186$116,351$110,814$105,559$100,573$92,896
6 years$100,800$95,009$89,554$84,417$79,580$72,214
7 years$85,531$79,789$74,420$69,404$64,720$57,667
8 years$74,084$68,394$63,114$58,221$53,691$46,952
9 years$65,185$59,549$54,360$49,591$45,216$38,786
10 years$58,071$52,490$47,392$42,748$38,526$32,401
11 years$52,254$46,728$41,723$37,204$33,134$27,308
12 years$47,409$41,941$37,029$32,633$28,713$23,180
13 years$43,314$37,902$33,083$28,810$25,038$19,790
14 years$39,806$34,452$29,725$25,574$21,948$16,978
15 years$36,769$31,473$26,838$22,808$19,325$14,623
16 years$34,114$28,876$24,332$20,422$17,080$12,637
17 years$31,774$26,593$22,141$18,349$15,144$10,952
18 years$29,696$24,573$20,212$16,536$13,465$9,514
19 years$27,839$22,774$18,503$14,942$12,002$8,283
20 years$26,170$21,163$16,981$13,533$10,720$7,223
21 years$24,662$19,713$15,620$12,282$9,594$6,309
22 years$23,292$18,401$14,396$11,167$8,599$5,518
23 years$22,044$17,210$13,292$10,170$7,719$4,831
24 years$20,901$16,125$12,293$9,275$6,938$4,234
25 years$19,852$15,132$11,386$8,471$6,243$3,714
26 years$18,885$14,222$10,560$7,745$5,624$3,260
27 years$17,990$13,384$9,806$7,090$5,070$2,864
28 years$17,162$12,612$9,116$6,496$4,575$2,517
29 years$16,391$11,898$8,483$5,957$4,131$2,214
30 years$15,674$11,236$7,901$5,467$3,733$1,948
31 years$15,004$10,622$7,366$5,021$3,375$1,714
32 years$14,377$10,051$6,873$4,614$3,053$1,509
33 years$13,790$9,518$6,417$4,243$2,763$1,329
34 years$13,238$9,021$5,996$3,904$2,501$1,171
35 years$12,719$8,556$5,606$3,594$2,266$1,032
36 years$12,229$8,121$5,244$3,310$2,053$909
37 years$11,768$7,713$4,908$3,050$1,860$801
38 years$11,331$7,330$4,596$2,811$1,687$706
39 years$10,918$6,970$4,306$2,592$1,529$623
40 years$10,527$6,632$4,036$2,391$1,387$549
41 years$10,156$6,313$3,785$2,206$1,259$484
42 years$9,803$6,012$3,550$2,035$1,142$427
43 years$9,468$5,728$3,331$1,879$1,036$377
44 years$9,149$5,460$3,127$1,735$941$332
45 years$8,845$5,207$2,936$1,602$854$293
46 years$8,554$4,967$2,758$1,480$775$259
47 years$8,278$4,740$2,591$1,367$704$228
48 years$8,013$4,525$2,435$1,263$639$201
49 years$7,760$4,321$2,289$1,168$581$178
50 years$7,518$4,128$2,152$1,079$528$157

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $7,700,000, adding $2,635 every year, while hoping to spend $55,835 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: 24/50/26 Blend
51$7,700,000$7,700,000$7,700,000$7,700,000
52$8,488,118$8,080,018$7,960,668$8,621,861
53$9,294,498$8,416,531$8,167,942$9,070,914
54$10,181,257$8,767,662$8,380,289$9,546,780
55$11,156,536$9,134,067$8,597,819$10,055,465
56$12,229,302$9,516,436$8,820,645$10,599,733
57$13,409,436$9,915,487$9,048,882$11,182,605
58$14,707,826$10,331,972$9,282,647$11,807,387
59$16,136,465$10,766,681$9,522,057$12,477,697
60$17,708,572$11,220,436$9,767,234$13,197,493
61$19,438,709$11,694,099$10,018,298$13,971,114
62$21,342,922$12,188,574$10,275,375$14,803,310
63$23,438,890$12,704,805$10,538,591$15,699,286
64$25,746,095$13,243,779$10,808,072$16,664,747
65$28,286,003$13,806,530$11,083,949$17,705,947
66$31,082,267$14,394,141$11,366,352$18,829,747
67$34,160,948$15,007,745$11,655,415$20,043,667
68$37,550,767$15,648,526$11,951,273$21,355,963
69$41,283,367$16,317,725$12,254,063$22,775,690
70$45,393,618$17,016,642$12,563,922$24,312,791
71$49,919,945$17,746,635$12,880,991$25,978,178
72$54,904,687$18,509,127$13,205,412$27,783,833
73$60,394,498$19,305,608$13,537,327$29,742,916
74$66,440,791$20,137,637$13,876,881$31,869,881
75$73,100,217$21,006,846$14,224,221$34,180,607
76$80,435,201$21,914,944$14,579,495$36,692,540
77$88,514,535$22,863,720$14,942,852$39,424,853
78$97,414,022$23,855,046$15,314,441$42,398,617
79$107,217,193$24,890,884$15,694,416$45,636,995
80$118,016,096$25,973,287$16,082,928$49,165,448
81$129,912,164$27,104,404$16,480,132$53,011,973
82$143,017,171$28,286,486$16,886,183$57,207,354
83$157,454,289$29,521,890$17,301,237$61,785,447
84$173,359,248$30,813,084$17,725,449$66,783,486
85$190,881,618$32,162,652$18,158,979$72,242,427
86$210,186,222$33,573,301$18,601,983$78,207,324
87$231,454,687$35,047,863$19,054,620$84,727,745
88$254,887,164$36,589,307$19,517,049$91,858,223
89$280,704,213$38,200,742$19,989,429$99,658,766
90$309,148,886$39,885,421$20,471,917$108,195,406
91$340,489,019$41,646,754$20,964,674$117,540,813
92$375,019,765$43,488,311$21,467,857$127,774,962
93$413,066,375$45,413,831$21,981,623$138,985,881
94$454,987,268$47,427,232$22,506,131$151,270,462
95$501,177,419$49,532,616$23,041,535$164,735,360
96$552,072,080$51,734,279$23,587,991$179,497,987
97$608,150,896$54,036,722$24,145,652$195,687,603
98$669,942,425$56,444,660$24,714,670$213,446,513
99$738,029,136$58,963,031$25,295,195$232,931,401
100$813,052,897$61,597,009$25,887,373$254,314,780