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%15.5%
1 years$644,117$638,379$632,782$627,318$621,983$607,935
2 years$318,870$312,931$307,176$301,595$296,182$282,104
3 years$210,468$204,504$198,763$193,235$187,910$174,242
4 years$156,278$150,332$144,648$139,215$134,019$120,866
5 years$123,772$117,862$112,253$106,930$101,879$89,278
6 years$102,109$96,243$90,717$85,513$80,614$68,578
7 years$86,641$80,825$75,386$70,305$65,560$54,092
8 years$75,046$69,282$63,934$58,977$54,389$43,483
9 years$66,032$60,322$55,066$50,235$45,803$35,452
10 years$58,825$53,171$48,008$43,303$39,027$29,219
11 years$52,932$47,335$42,265$37,687$33,564$24,287
12 years$48,025$42,486$37,509$33,057$29,086$20,325
13 years$43,876$38,395$33,512$29,184$25,364$17,102
14 years$40,323$34,900$30,111$25,906$22,234$14,455
15 years$37,246$31,881$27,186$23,104$19,576$12,263
16 years$34,557$29,251$24,648$20,687$17,301$10,435
17 years$32,186$26,939$22,429$18,587$15,341$8,902
18 years$30,082$24,893$20,475$16,751$13,640$7,611
19 years$28,201$23,070$18,744$15,136$12,158$6,519
20 years$26,510$21,438$17,202$13,708$10,860$5,592
21 years$24,982$19,969$15,822$12,441$9,718$4,804
22 years$23,595$18,640$14,583$11,312$8,711$4,131
23 years$22,330$17,434$13,465$10,302$7,819$3,555
24 years$21,173$16,334$12,453$9,396$7,028$3,063
25 years$20,110$15,329$11,534$8,581$6,324$2,640
26 years$19,130$14,407$10,697$7,846$5,697$2,277
27 years$18,224$13,558$9,933$7,182$5,136$1,965
28 years$17,384$12,776$9,234$6,580$4,634$1,697
29 years$16,604$12,053$8,593$6,034$4,185$1,466
30 years$15,877$11,382$8,004$5,538$3,781$1,266
31 years$15,199$10,760$7,462$5,086$3,419$1,094
32 years$14,564$10,181$6,962$4,674$3,092$946
33 years$13,969$9,642$6,501$4,298$2,799$818
34 years$13,410$9,138$6,074$3,955$2,534$707
35 years$12,884$8,667$5,678$3,640$2,295$612
36 years$12,388$8,227$5,312$3,353$2,079$529
37 years$11,921$7,813$4,972$3,089$1,885$458
38 years$11,479$7,426$4,656$2,847$1,709$396
39 years$11,060$7,061$4,362$2,625$1,549$343
40 years$10,664$6,718$4,089$2,422$1,405$297
41 years$10,288$6,395$3,834$2,234$1,275$257
42 years$9,931$6,090$3,596$2,062$1,157$222
43 years$9,591$5,803$3,375$1,903$1,050$192
44 years$9,268$5,531$3,168$1,757$953$166
45 years$8,959$5,275$2,974$1,623$865$144
46 years$8,666$5,032$2,794$1,499$786$125
47 years$8,385$4,802$2,625$1,385$713$108
48 years$8,117$4,584$2,466$1,280$648$93
49 years$7,861$4,377$2,318$1,183$588$81
50 years$7,616$4,182$2,179$1,093$534$70

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 $6,142 every year, while hoping to spend $28,698 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: 74/15/11 Blend
51$7,800,000$7,800,000$7,800,000$7,800,000
52$8,601,935$8,188,535$8,067,635$9,219,793
53$9,448,798$8,559,239$8,307,367$9,999,167
54$10,381,080$8,947,146$8,554,167$10,848,602
55$11,407,461$9,353,067$8,808,244$11,778,438
56$12,537,511$9,777,856$9,069,808$12,796,635
57$13,781,769$10,222,403$9,339,079$13,911,956
58$15,151,853$10,687,645$9,616,282$15,134,046
59$16,660,563$11,174,560$9,901,648$16,473,524
60$18,322,002$11,684,175$10,195,415$17,942,079
61$20,151,713$12,217,567$10,497,828$19,552,585
62$22,166,822$12,775,862$10,809,140$21,319,212
63$24,386,201$13,360,242$11,129,609$23,257,565
64$26,830,645$13,971,945$11,459,502$25,384,829
65$29,523,069$14,612,268$11,799,093$27,719,925
66$32,488,725$15,282,572$12,148,666$30,283,692
67$35,755,438$15,984,282$12,508,509$33,099,079
68$39,353,871$16,718,890$12,878,923$36,191,359
69$43,317,813$17,487,963$13,260,214$39,588,367
70$47,684,497$18,293,140$13,652,698$43,320,761
71$52,494,953$19,136,141$14,056,701$47,422,308
72$57,794,394$20,018,769$14,472,557$51,930,201
73$63,632,645$20,942,911$14,900,610$56,885,405
74$70,064,609$21,910,548$15,341,215$62,333,045
75$77,150,789$22,923,754$15,794,735$68,322,829
76$84,957,856$23,984,704$16,261,545$74,909,510
77$93,559,281$25,095,678$16,742,030$82,153,406
78$103,036,026$26,259,066$17,236,587$90,120,960
79$113,477,311$27,477,370$17,745,623$98,885,370
80$124,981,453$28,753,217$18,269,558$108,527,272
81$137,656,795$30,089,359$18,808,822$119,135,500
82$151,622,730$31,488,680$19,363,859$130,807,922
83$167,010,826$32,954,202$19,935,126$143,652,355
84$183,966,069$34,489,097$20,523,091$157,787,586
85$202,648,231$36,096,686$21,128,238$173,344,484
86$223,233,379$37,780,452$21,751,062$190,467,231
87$245,915,536$39,544,045$22,392,074$209,314,682
88$270,908,511$41,391,294$23,051,800$230,061,858
89$298,447,922$43,326,211$23,730,778$252,901,592
90$328,793,415$45,353,000$24,429,564$278,046,346
91$362,231,118$47,476,072$25,148,729$305,730,210
92$399,076,342$49,700,049$25,888,861$336,211,108
93$439,676,554$52,029,777$26,650,564$369,773,225
94$484,414,662$54,470,336$27,434,457$406,729,684
95$533,712,628$57,027,052$28,241,181$447,425,497
96$588,035,447$59,705,508$29,071,392$492,240,813
97$647,895,543$62,511,559$29,925,764$541,594,502
98$713,857,605$65,451,342$30,804,994$595,948,100
99$786,543,914$68,531,291$31,709,794$655,810,159
100$866,640,220$71,758,151$32,640,899$721,741,041