Can I retire at age 52 with 8,100,000?

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 $8,100,000?

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%
1 years$668,890$662,932$657,119$651,446$645,905$622,246
2 years$331,134$324,967$318,990$313,195$307,574$284,001
3 years$218,563$212,369$206,408$200,667$195,138$172,392
4 years$162,289$156,114$150,212$144,569$139,174$117,429
5 years$128,533$122,395$116,571$111,043$105,798$85,111
6 years$106,036$99,945$94,206$88,802$83,714$64,100
7 years$89,974$83,934$78,286$73,009$68,082$49,536
8 years$77,932$71,947$66,393$61,245$56,481$38,986
9 years$68,572$62,642$57,184$52,168$47,565$31,098
10 years$61,087$55,216$49,854$44,969$40,528$25,059
11 years$54,968$49,156$43,891$39,136$34,855$20,352
12 years$49,872$44,120$38,952$34,328$30,205$16,632
13 years$45,564$39,871$34,801$30,306$26,339$13,658
14 years$41,874$36,242$31,269$26,903$23,089$11,260
15 years$38,679$33,108$28,232$23,992$20,329$9,313
16 years$35,886$30,376$25,596$21,483$17,967$7,722
17 years$33,424$27,975$23,291$19,302$15,931$6,417
18 years$31,239$25,850$21,262$17,395$14,165$5,342
19 years$29,285$23,957$19,464$15,718$12,625$4,453
20 years$27,529$22,262$17,863$14,236$11,277$3,716
21 years$25,943$20,737$16,431$12,920$10,092$3,105
22 years$24,502$19,357$15,144$11,747$9,046$2,596
23 years$23,189$18,104$13,983$10,698$8,120$2,172
24 years$21,987$16,962$12,931$9,757$7,299$1,818
25 years$20,883$15,918$11,977$8,911$6,568$1,523
26 years$19,866$14,961$11,108$8,148$5,916$1,276
27 years$18,925$14,080$10,315$7,458$5,334$1,070
28 years$18,053$13,267$9,589$6,833$4,813$897
29 years$17,243$12,516$8,923$6,266$4,346$752
30 years$16,488$11,820$8,312$5,751$3,927$631
31 years$15,783$11,174$7,749$5,281$3,550$529
32 years$15,124$10,573$7,230$4,854$3,211$444
33 years$14,506$10,013$6,751$4,463$2,906$373
34 years$13,925$9,490$6,307$4,107$2,631$313
35 years$13,379$9,001$5,897$3,781$2,383$262
36 years$12,865$8,543$5,516$3,482$2,159$220
37 years$12,379$8,114$5,163$3,208$1,957$185
38 years$11,920$7,711$4,835$2,957$1,774$155
39 years$11,486$7,333$4,530$2,726$1,609$130
40 years$11,074$6,976$4,246$2,515$1,459$109
41 years$10,683$6,641$3,981$2,320$1,324$92
42 years$10,312$6,325$3,735$2,141$1,201$77
43 years$9,960$6,026$3,504$1,977$1,090$65
44 years$9,624$5,744$3,290$1,825$990$54
45 years$9,304$5,477$3,089$1,685$898$46
46 years$8,999$5,225$2,901$1,557$816$38
47 years$8,708$4,987$2,726$1,438$741$32
48 years$8,429$4,760$2,561$1,329$673$27
49 years$8,163$4,546$2,407$1,228$611$23
50 years$7,908$4,342$2,263$1,135$555$19

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $8,100,000, adding $2,952 every year, while hoping to spend $57,545 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: 28/42/30 Blend
51$8,100,000$8,100,000$8,100,000$8,100,000
52$8,929,245$8,499,945$8,374,395$9,096,415
53$9,778,801$8,855,215$8,593,710$9,586,881
54$10,713,082$9,225,964$8,818,443$10,108,300
55$11,740,671$9,612,891$9,048,715$10,667,359
56$12,871,022$10,016,725$9,284,650$11,267,334
57$14,114,552$10,438,230$9,526,371$11,911,816
58$15,482,738$10,878,206$9,774,007$12,604,736
59$16,988,228$11,337,488$10,027,686$13,350,407
60$18,644,954$11,816,952$10,287,541$14,153,554
61$20,468,270$12,317,513$10,553,704$15,019,360
62$22,475,092$12,840,130$10,826,312$15,953,508
63$24,684,061$13,385,806$11,105,503$16,962,235
64$27,115,714$13,955,590$11,391,416$18,052,385
65$29,792,684$14,550,580$11,684,195$19,231,468
66$32,739,906$15,171,927$11,983,984$20,507,731
67$35,984,858$15,820,833$12,290,929$21,890,227
68$39,557,818$16,498,558$12,605,180$23,388,902
69$43,492,149$17,206,421$12,926,887$25,014,676
70$47,824,613$17,945,801$13,256,203$26,779,550
71$52,595,722$18,718,143$13,593,284$28,696,707
72$57,850,113$19,524,960$13,938,286$30,780,636
73$63,636,975$20,367,833$14,291,369$33,047,263
74$70,010,511$21,248,422$14,652,694$35,514,092
75$77,030,448$22,168,459$15,022,425$38,200,368
76$84,762,603$23,129,763$15,400,725$41,127,251
77$93,279,502$24,134,235$15,787,763$44,318,009
78$102,661,065$25,183,866$16,183,707$47,798,233
79$112,995,359$26,280,741$16,588,727$51,596,069
80$124,379,432$27,427,044$17,002,995$55,742,476
81$136,920,224$28,625,059$17,426,685$60,271,513
82$150,735,581$29,877,181$17,859,973$65,220,652
83$165,955,363$31,185,916$18,303,036$70,631,123
84$182,722,673$32,553,888$18,756,050$76,548,292
85$201,195,204$33,983,847$19,219,196$83,022,085
86$221,546,730$35,478,671$19,692,655$90,107,445
87$243,968,745$37,041,374$20,176,607$97,864,844
88$268,672,269$38,675,113$20,671,235$106,360,844
89$295,889,842$40,383,195$21,176,723$115,668,709
90$325,877,716$42,169,083$21,693,254$125,869,093
91$358,918,278$44,036,403$22,221,013$137,050,784
92$395,322,710$45,988,954$22,760,184$149,311,532
93$435,433,929$48,030,715$23,310,953$162,758,957
94$479,629,824$50,165,855$23,873,504$177,511,556
95$528,326,822$52,398,737$24,448,022$193,699,801
96$581,983,818$54,733,936$25,034,691$211,467,363
97$641,106,510$57,176,241$25,633,695$230,972,445
98$706,252,166$59,730,669$26,245,217$252,389,268
99$778,034,893$62,402,477$26,869,437$275,909,692
100$857,131,425$65,197,172$27,506,536$301,745,013