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

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 $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%17.1%
1 years$668,890$662,932$657,119$651,446$645,905$627,241
2 years$331,134$324,967$318,990$313,195$307,574$288,918
3 years$218,563$212,369$206,408$200,667$195,138$177,075
4 years$162,289$156,114$150,212$144,569$139,174$121,842
5 years$128,533$122,395$116,571$111,043$105,798$89,245
6 years$106,036$99,945$94,206$88,802$83,714$67,956
7 years$89,974$83,934$78,286$73,009$68,082$53,118
8 years$77,932$71,947$66,393$61,245$56,481$42,302
9 years$68,572$62,642$57,184$52,168$47,565$34,157
10 years$61,087$55,216$49,854$44,969$40,528$27,873
11 years$54,968$49,156$43,891$39,136$34,855$22,933
12 years$49,872$44,120$38,952$34,328$30,205$18,991
13 years$45,564$39,871$34,801$30,306$26,339$15,809
14 years$41,874$36,242$31,269$26,903$23,089$13,216
15 years$38,679$33,108$28,232$23,992$20,329$11,087
16 years$35,886$30,376$25,596$21,483$17,967$9,327
17 years$33,424$27,975$23,291$19,302$15,931$7,865
18 years$31,239$25,850$21,262$17,395$14,165$6,645
19 years$29,285$23,957$19,464$15,718$12,625$5,624
20 years$27,529$22,262$17,863$14,236$11,277$4,766
21 years$25,943$20,737$16,431$12,920$10,092$4,044
22 years$24,502$19,357$15,144$11,747$9,046$3,435
23 years$23,189$18,104$13,983$10,698$8,120$2,919
24 years$21,987$16,962$12,931$9,757$7,299$2,483
25 years$20,883$15,918$11,977$8,911$6,568$2,113
26 years$19,866$14,961$11,108$8,148$5,916$1,800
27 years$18,925$14,080$10,315$7,458$5,334$1,533
28 years$18,053$13,267$9,589$6,833$4,813$1,306
29 years$17,243$12,516$8,923$6,266$4,346$1,114
30 years$16,488$11,820$8,312$5,751$3,927$950
31 years$15,783$11,174$7,749$5,281$3,550$810
32 years$15,124$10,573$7,230$4,854$3,211$691
33 years$14,506$10,013$6,751$4,463$2,906$589
34 years$13,925$9,490$6,307$4,107$2,631$503
35 years$13,379$9,001$5,897$3,781$2,383$429
36 years$12,865$8,543$5,516$3,482$2,159$366
37 years$12,379$8,114$5,163$3,208$1,957$313
38 years$11,920$7,711$4,835$2,957$1,774$267
39 years$11,486$7,333$4,530$2,726$1,609$228
40 years$11,074$6,976$4,246$2,515$1,459$195
41 years$10,683$6,641$3,981$2,320$1,324$166
42 years$10,312$6,325$3,735$2,141$1,201$142
43 years$9,960$6,026$3,504$1,977$1,090$121
44 years$9,624$5,744$3,290$1,825$990$103
45 years$9,304$5,477$3,089$1,685$898$88
46 years$8,999$5,225$2,901$1,557$816$75
47 years$8,708$4,987$2,726$1,438$741$64
48 years$8,429$4,760$2,561$1,329$673$55
49 years$8,163$4,546$2,407$1,228$611$47
50 years$7,908$4,342$2,263$1,135$555$40

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 $5,602 every year, while hoping to spend $53,761 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: 43/31/26 Blend
51$8,100,000$8,100,000$8,100,000$8,100,000
52$8,931,978$8,502,678$8,377,128$9,248,120
53$9,785,839$8,862,108$8,600,561$9,833,919
54$10,724,991$9,237,349$8,829,677$10,462,658
55$11,758,079$9,629,117$9,064,609$11,142,851
56$12,894,624$10,038,165$9,305,495$11,879,291
57$14,145,119$10,465,278$9,552,472$12,677,243
58$15,521,125$10,911,281$9,805,684$13,542,491
59$17,035,380$11,377,033$10,065,274$14,481,391
60$18,701,918$11,863,437$10,331,390$15,500,925
61$20,536,204$12,371,436$10,604,182$16,608,770
62$22,555,278$12,902,018$10,883,804$17,813,362
63$24,777,916$13,456,216$11,170,410$19,123,976
64$27,224,806$14,035,113$11,464,161$20,550,811
65$29,918,744$14,639,842$11,765,219$22,105,081
66$32,884,849$15,271,588$12,073,747$23,799,120
67$36,150,801$15,931,593$12,389,915$25,646,491
68$39,747,098$16,621,156$12,713,893$27,662,116
69$43,707,348$17,341,639$13,045,854$29,862,410
70$48,068,585$18,094,466$13,385,977$32,265,432
71$52,871,615$18,881,129$13,734,442$34,891,053
72$58,161,404$19,703,190$14,091,431$37,761,139
73$63,987,505$20,562,283$14,457,131$40,899,750
74$70,404,517$21,460,122$14,831,731$44,333,370
75$77,472,608$22,398,498$15,215,425$48,091,143
76$85,258,080$23,379,290$15,608,407$52,205,150
77$93,833,993$24,404,464$16,010,878$56,710,705
78$103,280,856$25,476,079$16,423,038$61,646,683
79$113,687,386$26,596,290$16,845,093$67,055,878
80$125,151,347$27,767,356$17,277,251$72,985,408
81$137,780,469$28,991,641$17,719,724$79,487,148
82$151,693,468$30,271,622$18,172,725$86,618,216
83$167,021,163$31,609,893$18,636,473$94,441,504
84$183,907,715$33,009,171$19,111,188$103,026,267
85$202,511,982$34,472,301$19,597,093$112,448,767
86$223,009,024$36,002,263$20,094,415$122,792,988
87$245,591,749$37,602,179$20,603,383$134,151,420
88$270,472,741$39,275,318$21,124,229$146,625,922
89$297,886,258$41,025,107$21,657,189$160,328,678
90$328,090,451$42,855,132$22,202,499$175,383,246
91$361,369,796$44,769,152$22,760,401$191,925,715
92$398,037,778$46,771,103$23,331,138$210,105,979
93$438,439,855$48,865,110$23,914,954$230,089,143
94$482,956,713$51,055,494$24,512,099$252,057,074
95$532,007,865$53,346,781$25,122,821$276,210,099
96$586,055,606$55,743,711$25,747,374$302,768,892
97$645,609,378$58,251,254$26,386,012$331,976,542
98$711,230,583$60,874,614$27,038,992$364,100,837
99$783,537,876$63,619,243$27,706,571$399,436,775
100$863,213,009$66,490,855$28,389,011$438,309,339