Can I retire at age 52 with 7,900,000?

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 $7,900,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.1%
1 years$652,375$646,564$640,894$635,360$629,957$609,304
2 years$322,958$316,943$311,114$305,462$299,980$279,369
3 years$213,166$207,126$201,311$195,712$190,319$170,398
4 years$158,282$152,259$146,503$141,000$135,737$116,658
5 years$125,359$119,373$113,692$108,301$103,185$84,999
6 years$103,418$97,477$91,880$86,609$81,647$64,369
7 years$87,752$81,861$76,353$71,206$66,401$50,029
8 years$76,008$70,170$64,753$59,733$55,086$39,608
9 years$66,878$61,096$55,772$50,879$46,390$31,788
10 years$59,579$53,853$48,623$43,859$39,527$25,777
11 years$53,611$47,942$42,807$38,170$33,994$21,072
12 years$48,641$43,030$37,990$33,480$29,459$17,335
13 years$44,439$38,887$33,942$29,558$25,689$14,333
14 years$40,840$35,347$30,497$26,238$22,519$11,899
15 years$37,724$32,290$27,535$23,400$19,827$9,912
16 years$35,000$29,626$24,964$20,952$17,523$8,278
17 years$32,599$27,284$22,716$18,825$15,537$6,930
18 years$30,467$25,212$20,737$16,965$13,815$5,812
19 years$28,562$23,366$18,984$15,330$12,314$4,882
20 years$26,850$21,713$17,422$13,884$10,999$4,106
21 years$25,302$20,225$16,025$12,601$9,843$3,457
22 years$23,897$18,879$14,770$11,457$8,823$2,913
23 years$22,617$17,657$13,637$10,434$7,920$2,457
24 years$21,444$16,544$12,612$9,516$7,118$2,073
25 years$20,367$15,525$11,681$8,691$6,405$1,750
26 years$19,375$14,591$10,834$7,947$5,770$1,478
27 years$18,458$13,732$10,060$7,274$5,202$1,249
28 years$17,607$12,940$9,352$6,664$4,694$1,056
29 years$16,817$12,207$8,703$6,111$4,238$893
30 years$16,081$11,528$8,107$5,609$3,830$755
31 years$15,394$10,898$7,558$5,151$3,462$639
32 years$14,751$10,312$7,051$4,734$3,132$540
33 years$14,148$9,765$6,584$4,353$2,834$457
34 years$13,582$9,255$6,152$4,005$2,566$387
35 years$13,049$8,779$5,751$3,687$2,324$327
36 years$12,547$8,332$5,380$3,396$2,106$277
37 years$12,073$7,914$5,036$3,129$1,909$235
38 years$11,626$7,521$4,716$2,884$1,730$199
39 years$11,202$7,152$4,418$2,659$1,569$168
40 years$10,801$6,804$4,141$2,453$1,423$142
41 years$10,420$6,477$3,883$2,263$1,291$120
42 years$10,058$6,168$3,642$2,088$1,172$102
43 years$9,714$5,877$3,418$1,928$1,063$86
44 years$9,386$5,602$3,208$1,780$965$73
45 years$9,074$5,342$3,013$1,644$876$62
46 years$8,777$5,096$2,829$1,518$796$52
47 years$8,493$4,863$2,658$1,403$722$44
48 years$8,221$4,643$2,498$1,296$656$38
49 years$7,962$4,434$2,348$1,198$596$32
50 years$7,713$4,235$2,207$1,107$541$27

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $7,900,000, adding $5,611 every year, while hoping to spend $46,744 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: 51/42/7 Blend
51$7,900,000$7,900,000$7,900,000$7,900,000
52$8,711,588$8,292,888$8,170,438$9,140,424
53$9,550,434$8,649,504$8,394,412$9,789,355
54$10,473,277$9,022,028$8,624,323$10,488,888
55$11,488,633$9,411,189$8,860,320$11,248,189
56$12,605,889$9,817,753$9,102,556$12,072,882
57$13,835,385$10,242,518$9,351,187$12,969,143
58$15,188,517$10,686,324$9,606,374$13,943,757
59$16,677,838$11,150,046$9,868,280$15,004,177
60$18,317,183$11,634,604$10,137,073$16,158,595
61$20,121,795$12,140,959$10,412,924$17,416,015
62$22,108,469$12,670,117$10,696,009$18,786,333
63$24,295,713$13,223,133$10,986,505$20,280,426
64$26,703,920$13,801,111$11,284,597$21,910,257
65$29,355,560$14,405,205$11,590,471$23,688,978
66$32,275,395$15,036,627$11,904,319$25,631,051
67$35,490,707$15,696,645$12,226,336$27,752,383
68$39,031,564$16,386,584$12,556,723$30,070,472
69$42,931,092$17,107,836$12,895,682$32,604,564
70$47,225,800$17,861,857$13,243,424$35,375,832
71$51,955,914$18,650,169$13,600,160$38,407,572
72$57,165,761$19,474,372$13,966,110$41,725,417
73$62,904,188$20,336,136$14,341,494$45,357,573
74$69,225,022$21,237,213$14,726,541$49,335,079
75$76,187,576$22,179,438$15,121,482$53,692,096
76$83,857,211$23,164,733$15,526,553$58,466,223
77$92,305,951$24,195,110$15,941,998$63,698,842
78$101,613,165$25,272,677$16,368,062$69,435,508
79$111,866,313$26,399,644$16,804,997$75,726,366
80$123,161,774$27,578,323$17,253,061$82,626,622
81$135,605,752$28,811,137$17,712,516$90,197,050
82$149,315,282$30,100,626$18,183,628$98,504,566
83$164,419,333$31,449,450$18,666,672$107,622,844
84$181,060,025$32,860,393$19,161,926$117,633,005
85$199,393,970$34,336,374$19,669,673$128,624,377
86$219,593,751$35,880,452$20,190,203$140,695,322
87$241,849,549$37,495,831$20,723,811$153,954,160
88$266,370,943$39,185,866$21,270,798$168,520,178
89$293,388,879$40,954,073$21,831,470$184,524,745
90$323,157,860$42,804,139$22,406,139$202,112,543
91$355,958,342$44,739,921$22,995,125$221,442,917
92$392,099,382$46,765,466$23,598,751$242,691,370
93$431,921,556$48,885,012$24,217,346$266,051,203
94$475,800,176$51,102,998$24,851,248$291,735,331
95$524,148,827$53,424,078$25,500,798$319,978,272
96$577,423,277$55,853,128$26,166,345$351,038,350
97$636,125,776$58,395,256$26,848,242$385,200,117
98$700,809,798$61,055,816$27,546,851$422,777,021
99$772,085,265$63,840,418$28,262,538$464,114,349
100$850,624,304$66,754,941$28,995,675$509,592,468