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

Use the below retirement simulation to view the chances of a successful retirement.
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%12.6%
1 years$652,375$646,564$640,894$635,360$629,957$623,119
2 years$322,958$316,943$311,114$305,462$299,980$293,095
3 years$213,166$207,126$201,311$195,712$190,319$183,601
4 years$158,282$152,259$146,503$141,000$135,737$129,237
5 years$125,359$119,373$113,692$108,301$103,185$96,923
6 years$103,418$97,477$91,880$86,609$81,647$75,630
7 years$87,752$81,861$76,353$71,206$66,401$60,631
8 years$76,008$70,170$64,753$59,733$55,086$49,564
9 years$66,878$61,096$55,772$50,879$46,390$41,113
10 years$59,579$53,853$48,623$43,859$39,527$34,491
11 years$53,611$47,942$42,807$38,170$33,994$29,197
12 years$48,641$43,030$37,990$33,480$29,459$24,894
13 years$44,439$38,887$33,942$29,558$25,689$21,350
14 years$40,840$35,347$30,497$26,238$22,519$18,401
15 years$37,724$32,290$27,535$23,400$19,827$15,925
16 years$35,000$29,626$24,964$20,952$17,523$13,829
17 years$32,599$27,284$22,716$18,825$15,537$12,044
18 years$30,467$25,212$20,737$16,965$13,815$10,516
19 years$28,562$23,366$18,984$15,330$12,314$9,201
20 years$26,850$21,713$17,422$13,884$10,999$8,066
21 years$25,302$20,225$16,025$12,601$9,843$7,082
22 years$23,897$18,879$14,770$11,457$8,823$6,226
23 years$22,617$17,657$13,637$10,434$7,920$5,481
24 years$21,444$16,544$12,612$9,516$7,118$4,830
25 years$20,367$15,525$11,681$8,691$6,405$4,260
26 years$19,375$14,591$10,834$7,947$5,770$3,761
27 years$18,458$13,732$10,060$7,274$5,202$3,322
28 years$17,607$12,940$9,352$6,664$4,694$2,936
29 years$16,817$12,207$8,703$6,111$4,238$2,597
30 years$16,081$11,528$8,107$5,609$3,830$2,298
31 years$15,394$10,898$7,558$5,151$3,462$2,034
32 years$14,751$10,312$7,051$4,734$3,132$1,801
33 years$14,148$9,765$6,584$4,353$2,834$1,596
34 years$13,582$9,255$6,152$4,005$2,566$1,414
35 years$13,049$8,779$5,751$3,687$2,324$1,253
36 years$12,547$8,332$5,380$3,396$2,106$1,111
37 years$12,073$7,914$5,036$3,129$1,909$985
38 years$11,626$7,521$4,716$2,884$1,730$874
39 years$11,202$7,152$4,418$2,659$1,569$775
40 years$10,801$6,804$4,141$2,453$1,423$687
41 years$10,420$6,477$3,883$2,263$1,291$610
42 years$10,058$6,168$3,642$2,088$1,172$541
43 years$9,714$5,877$3,418$1,928$1,063$480
44 years$9,386$5,602$3,208$1,780$965$426
45 years$9,074$5,342$3,013$1,644$876$378
46 years$8,777$5,096$2,829$1,518$796$336
47 years$8,493$4,863$2,658$1,403$722$298
48 years$8,221$4,643$2,498$1,296$656$265
49 years$7,962$4,434$2,348$1,198$596$235
50 years$7,713$4,235$2,207$1,107$541$209

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 $4,300 every year, while hoping to spend $37,206 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: 40/34/26 Blend
51$7,900,000$7,900,000$7,900,000$7,900,000
52$8,710,235$8,291,535$8,169,085$8,991,552
53$9,559,093$8,658,234$8,403,163$9,562,327
54$10,493,286$9,041,653$8,643,835$10,175,623
55$11,521,481$9,442,574$8,891,283$10,838,421
56$12,653,225$9,861,813$9,145,694$11,555,271
57$13,899,039$10,300,227$9,407,260$12,331,165
58$15,270,514$10,758,711$9,676,176$13,171,588
59$16,780,423$11,238,204$9,952,644$14,082,558
60$18,442,840$11,739,691$10,236,872$15,070,687
61$20,273,275$12,264,201$10,529,073$16,143,234
62$22,288,816$12,812,814$10,829,464$17,308,177
63$24,508,294$13,386,660$11,138,270$18,574,279
64$26,952,459$13,986,925$11,455,720$19,951,171
65$29,644,174$14,614,849$11,782,051$21,449,439
66$32,608,634$15,271,731$12,117,504$23,080,717
67$35,873,604$15,958,935$12,462,330$24,857,795
68$39,469,675$16,677,886$12,816,782$26,794,736
69$43,430,560$17,430,081$13,181,122$28,907,006
70$47,793,408$18,217,085$13,555,619$31,211,608
71$52,599,152$19,040,539$13,940,550$33,727,248
72$57,892,904$19,902,164$14,336,196$36,474,499
73$63,724,370$20,803,760$14,742,849$39,475,993
74$70,148,328$21,747,216$15,160,806$42,756,629
75$77,225,137$22,734,509$15,590,373$46,343,802
76$85,021,313$23,767,712$16,031,863$50,267,655
77$93,610,155$24,848,998$16,485,598$54,561,359
78$103,072,433$25,980,642$16,951,908$59,261,419
79$113,497,157$27,165,028$17,431,132$64,408,012
80$124,982,409$28,404,657$17,923,617$70,045,358
81$137,636,276$29,702,147$18,429,720$76,222,130
82$151,577,866$31,060,241$18,949,805$82,991,910
83$166,938,432$32,481,818$19,484,248$90,413,680
84$183,862,615$33,969,889$20,033,433$98,552,376
85$202,509,803$35,527,615$20,597,754$107,479,489
86$223,055,640$37,158,305$21,177,615$117,273,733
87$245,693,682$38,865,428$21,773,432$128,021,777
88$270,637,224$40,652,622$22,385,630$139,819,051
89$298,121,316$42,523,695$23,014,643$152,770,643
90$328,404,977$44,482,643$23,660,921$166,992,272
91$361,773,643$46,533,651$24,324,920$182,611,375
92$398,541,861$48,681,106$25,007,110$199,768,296
93$439,056,257$50,929,606$25,707,975$218,617,598
94$483,698,809$53,283,971$26,428,006$239,329,508
95$532,890,455$55,749,253$27,167,712$262,091,513
96$587,095,061$58,330,746$27,927,610$287,110,115
97$646,823,805$61,034,000$28,708,233$314,612,762
98$712,640,000$63,864,833$29,510,125$344,849,985
99$785,164,412$66,829,342$30,333,846$378,097,743
100$865,081,121$69,933,919$31,179,969$414,660,012