Can I retire at age 52 with 7,800,000?

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 $7,800,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.4%
1 years$644,117$638,379$632,782$627,318$621,983$600,871
2 years$318,870$312,931$307,176$301,595$296,182$275,124
3 years$210,468$204,504$198,763$193,235$187,910$167,567
4 years$156,278$150,332$144,648$139,215$134,019$114,546
5 years$123,772$117,862$112,253$106,930$101,879$83,329
6 years$102,109$96,243$90,717$85,513$80,614$63,000
7 years$86,641$80,825$75,386$70,305$65,560$48,881
8 years$75,046$69,282$63,934$58,977$54,389$38,630
9 years$66,032$60,322$55,066$50,235$45,803$30,947
10 years$58,825$53,171$48,008$43,303$39,027$25,048
11 years$52,932$47,335$42,265$37,687$33,564$20,436
12 years$48,025$42,486$37,509$33,057$29,086$16,778
13 years$43,876$38,395$33,512$29,184$25,364$13,844
14 years$40,323$34,900$30,111$25,906$22,234$11,469
15 years$37,246$31,881$27,186$23,104$19,576$9,533
16 years$34,557$29,251$24,648$20,687$17,301$7,945
17 years$32,186$26,939$22,429$18,587$15,341$6,636
18 years$30,082$24,893$20,475$16,751$13,640$5,553
19 years$28,201$23,070$18,744$15,136$12,158$4,654
20 years$26,510$21,438$17,202$13,708$10,860$3,905
21 years$24,982$19,969$15,822$12,441$9,718$3,280
22 years$23,595$18,640$14,583$11,312$8,711$2,758
23 years$22,330$17,434$13,465$10,302$7,819$2,320
24 years$21,173$16,334$12,453$9,396$7,028$1,953
25 years$20,110$15,329$11,534$8,581$6,324$1,645
26 years$19,130$14,407$10,697$7,846$5,697$1,386
27 years$18,224$13,558$9,933$7,182$5,136$1,169
28 years$17,384$12,776$9,234$6,580$4,634$985
29 years$16,604$12,053$8,593$6,034$4,185$831
30 years$15,877$11,382$8,004$5,538$3,781$701
31 years$15,199$10,760$7,462$5,086$3,419$592
32 years$14,564$10,181$6,962$4,674$3,092$499
33 years$13,969$9,642$6,501$4,298$2,799$421
34 years$13,410$9,138$6,074$3,955$2,534$356
35 years$12,884$8,667$5,678$3,640$2,295$300
36 years$12,388$8,227$5,312$3,353$2,079$253
37 years$11,921$7,813$4,972$3,089$1,885$214
38 years$11,479$7,426$4,656$2,847$1,709$181
39 years$11,060$7,061$4,362$2,625$1,549$153
40 years$10,664$6,718$4,089$2,422$1,405$129
41 years$10,288$6,395$3,834$2,234$1,275$109
42 years$9,931$6,090$3,596$2,062$1,157$92
43 years$9,591$5,803$3,375$1,903$1,050$78
44 years$9,268$5,531$3,168$1,757$953$66
45 years$8,959$5,275$2,974$1,623$865$55
46 years$8,666$5,032$2,794$1,499$786$47
47 years$8,385$4,802$2,625$1,385$713$39
48 years$8,117$4,584$2,466$1,280$648$33
49 years$7,861$4,377$2,318$1,183$588$28
50 years$7,616$4,182$2,179$1,093$534$24

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $7,800,000, adding $4,825 every year, while hoping to spend $33,273 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: 50/31/19 Blend
51$7,800,000$7,800,000$7,800,000$7,800,000
52$8,600,577$8,187,177$8,066,277$8,984,879
53$9,442,434$8,552,946$8,301,095$9,616,727
54$10,369,044$8,935,523$8,542,664$10,299,216
55$11,389,019$9,335,696$8,791,176$11,040,237
56$12,511,845$9,754,291$9,046,826$11,845,324
57$13,747,975$10,192,173$9,309,817$12,720,557
58$15,108,928$10,650,249$9,580,355$13,672,620
59$16,607,396$11,129,469$9,858,654$14,708,856
60$18,257,364$11,630,827$10,144,933$15,837,337
61$20,074,244$12,155,366$10,439,416$17,066,940
62$22,075,016$12,704,178$10,742,336$18,407,420
63$24,278,392$13,278,407$11,053,929$19,869,507
64$26,704,993$13,879,254$11,374,440$21,465,000
65$29,377,538$14,507,973$11,704,120$23,206,877
66$32,321,064$15,165,881$12,043,225$25,109,411
67$35,563,162$15,854,358$12,392,022$27,188,305
68$39,134,231$16,574,849$12,750,782$29,460,834
69$43,067,774$17,328,868$13,119,785$31,946,004
70$47,400,707$18,118,003$13,499,318$34,664,728
71$52,173,710$18,943,915$13,889,675$37,640,021
72$57,431,610$19,808,349$14,291,161$40,897,208
73$63,223,806$20,713,129$14,704,086$44,464,163
74$69,604,731$21,660,170$15,128,771$48,371,566
75$76,634,373$22,651,477$15,565,544$52,653,183
76$84,378,831$23,689,152$16,014,742$57,346,188
77$92,910,949$24,775,397$16,476,712$62,491,501
78$102,310,995$25,912,521$16,951,812$68,134,171
79$112,667,424$27,102,942$17,440,405$74,323,795
80$124,077,712$28,349,197$17,942,869$81,114,980
81$136,649,272$29,653,941$18,459,589$88,567,852
82$150,500,474$31,019,960$18,990,961$96,748,616
83$165,761,757$32,450,173$19,537,393$105,730,173
84$182,576,864$33,947,639$20,099,303$115,592,802
85$201,104,194$35,515,564$20,677,120$126,424,910
86$221,518,304$37,157,309$21,271,286$138,323,855
87$244,011,550$38,876,396$21,882,253$151,396,861
88$268,795,906$40,676,517$22,510,486$165,762,018
89$296,104,964$42,561,542$23,156,463$181,549,387
90$326,196,141$44,535,527$23,820,675$198,902,220
91$359,353,104$46,602,725$24,503,624$217,978,301
92$395,888,453$48,767,591$25,205,828$238,951,423
93$436,146,670$51,034,798$25,927,818$262,013,018
94$480,507,369$53,409,242$26,670,139$287,373,955
95$529,388,883$55,896,057$27,433,351$315,266,513
96$583,252,208$58,500,623$28,218,027$345,946,565
97$642,605,361$61,228,581$29,024,759$379,695,977
98$708,008,171$64,085,844$29,854,151$416,825,259
99$780,077,564$67,078,611$30,706,825$457,676,475
100$859,493,392$70,213,378$31,583,419$502,626,460