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%19%
1 years$635,859$630,195$624,669$619,275$614,009$591,753
2 years$314,782$308,919$303,237$297,729$292,385$270,207
3 years$207,770$201,882$196,215$190,758$185,501$164,098
4 years$154,274$148,405$142,794$137,430$132,301$111,836
5 years$122,186$116,351$110,814$105,559$100,573$81,100
6 years$100,800$95,009$89,554$84,417$79,580$61,113
7 years$85,531$79,789$74,420$69,404$64,720$47,254
8 years$74,084$68,394$63,114$58,221$53,691$37,212
9 years$65,185$59,549$54,360$49,591$45,216$29,701
10 years$58,071$52,490$47,392$42,748$38,526$23,949
11 years$52,254$46,728$41,723$37,204$33,134$19,463
12 years$47,409$41,941$37,029$32,633$28,713$15,916
13 years$43,314$37,902$33,083$28,810$25,038$13,079
14 years$39,806$34,452$29,725$25,574$21,948$10,790
15 years$36,769$31,473$26,838$22,808$19,325$8,931
16 years$34,114$28,876$24,332$20,422$17,080$7,411
17 years$31,774$26,593$22,141$18,349$15,144$6,163
18 years$29,696$24,573$20,212$16,536$13,465$5,134
19 years$27,839$22,774$18,503$14,942$12,002$4,283
20 years$26,170$21,163$16,981$13,533$10,720$3,577
21 years$24,662$19,713$15,620$12,282$9,594$2,991
22 years$23,292$18,401$14,396$11,167$8,599$2,503
23 years$22,044$17,210$13,292$10,170$7,719$2,096
24 years$20,901$16,125$12,293$9,275$6,938$1,756
25 years$19,852$15,132$11,386$8,471$6,243$1,472
26 years$18,885$14,222$10,560$7,745$5,624$1,234
27 years$17,990$13,384$9,806$7,090$5,070$1,035
28 years$17,162$12,612$9,116$6,496$4,575$869
29 years$16,391$11,898$8,483$5,957$4,131$729
30 years$15,674$11,236$7,901$5,467$3,733$612
31 years$15,004$10,622$7,366$5,021$3,375$514
32 years$14,377$10,051$6,873$4,614$3,053$432
33 years$13,790$9,518$6,417$4,243$2,763$362
34 years$13,238$9,021$5,996$3,904$2,501$304
35 years$12,719$8,556$5,606$3,594$2,266$256
36 years$12,229$8,121$5,244$3,310$2,053$215
37 years$11,768$7,713$4,908$3,050$1,860$180
38 years$11,331$7,330$4,596$2,811$1,687$152
39 years$10,918$6,970$4,306$2,592$1,529$127
40 years$10,527$6,632$4,036$2,391$1,387$107
41 years$10,156$6,313$3,785$2,206$1,259$90
42 years$9,803$6,012$3,550$2,035$1,142$76
43 years$9,468$5,728$3,331$1,879$1,036$63
44 years$9,149$5,460$3,127$1,735$941$53
45 years$8,845$5,207$2,936$1,602$854$45
46 years$8,554$4,967$2,758$1,480$775$38
47 years$8,278$4,740$2,591$1,367$704$32
48 years$8,013$4,525$2,435$1,263$639$27
49 years$7,760$4,321$2,289$1,168$581$22
50 years$7,518$4,128$2,152$1,079$528$19

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 $3,087 every year, while hoping to spend $34,863 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: 79/10/11 Blend
51$7,700,000$7,700,000$7,700,000$7,700,000
52$8,488,584$8,080,484$7,961,134$9,142,412
53$9,317,326$8,439,334$8,190,738$9,931,235
54$10,229,431$8,814,599$8,426,866$10,791,609
55$11,233,365$9,207,047$8,669,698$11,734,496
56$12,338,457$9,617,481$8,919,422$12,768,122
57$13,554,987$10,046,744$9,176,229$13,901,548
58$14,894,279$10,495,719$9,440,317$15,144,747
59$16,368,815$10,965,328$9,711,887$16,508,706
60$17,992,346$11,456,541$9,991,147$18,005,521
61$19,780,026$11,970,372$10,278,311$19,648,515
62$21,748,551$12,507,883$10,573,597$21,452,362
63$23,916,321$13,070,187$10,877,230$23,433,222
64$26,303,611$13,658,451$11,189,442$25,608,893
65$28,932,760$14,273,897$11,510,470$27,998,981
66$31,828,388$14,917,803$11,840,556$30,625,079
67$35,017,620$15,591,513$12,179,952$33,510,973
68$38,530,351$16,296,431$12,528,914$36,682,865
69$42,399,520$17,034,029$12,887,706$40,169,615
70$46,661,424$17,805,850$13,256,597$44,003,017
71$51,356,064$18,613,510$13,635,867$48,218,093
72$56,527,514$19,458,704$14,025,801$52,853,427
73$62,224,346$20,343,206$14,426,691$57,951,522
74$68,500,083$21,268,876$14,838,838$63,559,204
75$75,413,703$22,237,663$15,262,551$69,728,059
76$83,030,200$23,251,608$15,698,146$76,514,919
77$91,421,196$24,312,853$16,145,950$83,982,398
78$100,665,614$25,423,638$16,606,295$92,199,478
79$110,850,426$26,586,315$17,079,524$101,242,162
80$122,071,471$27,803,347$17,565,990$111,194,183
81$134,434,363$29,077,313$18,066,053$122,147,799
82$148,055,485$30,410,919$18,580,083$134,204,657
83$163,063,090$31,806,999$19,108,461$147,476,751
84$179,598,508$33,268,525$19,651,578$162,087,478
85$197,817,483$34,798,609$20,209,832$178,172,796
86$217,891,640$36,400,515$20,783,636$195,882,510
87$240,010,110$38,077,663$21,373,410$215,381,679
88$264,381,310$39,833,637$21,979,588$236,852,172
89$291,234,913$41,672,194$22,602,613$260,494,383
90$320,824,014$43,597,272$23,242,941$286,529,117
91$353,427,523$45,612,998$23,901,039$315,199,674
92$389,352,792$47,723,697$24,577,386$346,774,136
93$428,938,522$49,933,903$25,272,474$381,547,902
94$472,557,957$52,248,370$25,986,807$419,846,467
95$520,622,407$54,672,078$26,720,903$462,028,490
96$573,585,132$57,210,250$27,475,293$508,489,179
97$631,945,621$59,868,358$28,250,521$559,664,017
98$696,254,307$62,652,140$29,047,146$616,032,863
99$767,117,761$65,567,609$29,865,740$678,124,484
100$845,204,421$68,621,070$30,706,890$746,521,536