Can I retire at age 52 with 8,200,000?

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 $8,200,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.4%
1 years$677,148$671,117$665,232$659,488$653,880$631,685
2 years$335,222$328,979$322,928$317,062$311,371$289,233
3 years$221,261$214,991$208,956$203,144$197,547$176,160
4 years$164,292$158,041$152,066$146,354$140,892$120,421
5 years$130,120$123,906$118,010$112,414$107,104$87,602
6 years$107,345$101,179$95,369$89,898$84,748$66,231
7 years$91,085$84,970$79,252$73,910$68,922$51,388
8 years$78,894$72,835$67,212$62,002$57,178$40,611
9 years$69,418$63,416$57,890$52,812$48,152$32,534
10 years$61,842$55,898$50,470$45,524$41,028$26,332
11 years$55,647$49,763$44,433$39,620$35,285$21,484
12 years$50,488$44,664$39,433$34,752$30,578$17,638
13 years$46,126$40,363$35,231$30,681$26,664$14,554
14 years$42,391$36,689$31,655$27,235$23,374$12,058
15 years$39,156$33,516$28,580$24,289$20,580$10,022
16 years$36,329$30,751$25,912$21,748$18,189$8,353
17 years$33,837$28,320$23,579$19,540$16,127$6,977
18 years$31,624$26,169$21,525$17,610$14,340$5,838
19 years$29,647$24,253$19,705$15,912$12,781$4,893
20 years$27,869$22,537$18,084$14,411$11,416$4,105
21 years$26,263$20,993$16,634$13,079$10,216$3,449
22 years$24,805$19,596$15,331$11,892$9,158$2,899
23 years$23,475$18,328$14,155$10,830$8,220$2,439
24 years$22,259$17,172$13,091$9,878$7,389$2,053
25 years$21,141$16,115$12,125$9,021$6,649$1,730
26 years$20,111$15,145$11,245$8,248$5,989$1,457
27 years$19,159$14,254$10,442$7,550$5,400$1,229
28 years$18,276$13,431$9,707$6,917$4,872$1,036
29 years$17,456$12,671$9,034$6,343$4,399$874
30 years$16,692$11,966$8,414$5,822$3,975$737
31 years$15,978$11,312$7,845$5,347$3,594$622
32 years$15,311$10,703$7,319$4,914$3,251$525
33 years$14,685$10,136$6,834$4,519$2,942$443
34 years$14,097$9,607$6,385$4,157$2,664$374
35 years$13,544$9,112$5,970$3,827$2,413$316
36 years$13,023$8,649$5,585$3,525$2,186$266
37 years$12,532$8,214$5,227$3,248$1,981$225
38 years$12,067$7,806$4,895$2,993$1,796$190
39 years$11,627$7,423$4,586$2,760$1,629$160
40 years$11,211$7,062$4,298$2,546$1,477$135
41 years$10,815$6,723$4,031$2,349$1,340$114
42 years$10,440$6,403$3,781$2,168$1,216$97
43 years$10,083$6,100$3,548$2,001$1,104$82
44 years$9,743$5,815$3,330$1,848$1,002$69
45 years$9,419$5,545$3,127$1,706$910$58
46 years$9,110$5,290$2,937$1,576$826$49
47 years$8,815$5,048$2,759$1,456$750$41
48 years$8,533$4,819$2,593$1,346$681$35
49 years$8,264$4,602$2,437$1,244$619$30
50 years$8,006$4,396$2,291$1,149$562$25

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $8,200,000, adding $3,821 every year, while hoping to spend $30,269 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: 68/20/12 Blend
51$8,200,000$8,200,000$8,200,000$8,200,000
52$9,040,341$8,605,741$8,478,641$9,631,148
53$9,930,250$8,995,217$8,730,470$10,413,961
54$10,909,915$9,402,762$8,989,720$11,265,822
55$11,988,460$9,829,230$9,256,609$12,196,700
56$13,175,936$10,275,516$9,531,359$13,214,342
57$14,483,422$10,742,557$9,814,200$14,327,275
58$15,923,123$11,231,334$10,105,367$15,544,881
59$17,508,489$11,742,876$10,405,104$16,877,484
60$19,254,339$12,278,262$10,713,660$18,336,448
61$21,177,007$12,838,622$11,031,293$19,934,279
62$23,294,486$13,425,139$11,358,265$21,684,744
63$25,626,607$14,039,054$11,694,851$23,602,996
64$28,195,221$14,681,668$12,041,328$25,705,718
65$31,024,406$15,354,343$12,397,986$28,011,275
66$34,140,697$16,058,507$12,765,119$30,539,887
67$37,573,331$16,795,656$13,143,034$33,313,815
68$41,354,528$17,567,360$13,532,042$36,357,571
69$45,519,791$18,375,262$13,932,467$39,698,145
70$50,108,245$19,221,085$14,344,640$43,365,259
71$55,163,002$20,106,635$14,768,902$47,391,640
72$60,731,571$21,033,803$15,205,603$51,813,330
73$66,866,306$22,004,574$15,655,105$56,670,022
74$73,624,898$23,021,026$16,117,780$62,005,430
75$81,070,920$24,085,339$16,594,008$67,867,697
76$89,274,429$25,199,796$17,084,182$74,309,850
77$98,312,625$26,366,791$17,588,707$81,390,292
78$108,270,583$27,588,833$18,107,998$89,173,352
79$119,242,049$28,868,552$18,642,483$97,729,885
80$131,330,332$30,208,706$19,192,600$107,137,939
81$144,649,276$31,612,183$19,758,803$117,483,488
82$159,324,336$33,082,013$20,341,556$128,861,235
83$175,493,757$34,621,371$20,941,337$141,375,503
84$193,309,887$36,233,585$21,558,639$155,141,212
85$212,940,609$37,922,144$22,193,967$170,284,964
86$234,570,928$39,690,706$22,847,841$186,946,225
87$258,404,716$41,543,104$23,520,797$205,278,640
88$284,666,639$43,483,357$24,213,386$225,451,477
89$313,604,273$45,515,680$24,926,172$247,651,214
90$345,490,449$47,644,487$25,659,738$272,083,296
91$380,625,818$49,874,410$26,414,682$298,974,068
92$419,341,697$52,210,303$27,191,620$328,572,900
93$462,003,197$54,657,254$27,991,186$361,154,536
94$509,012,661$57,220,598$28,814,029$397,021,679
95$560,813,473$59,905,927$29,660,819$436,507,837
96$617,894,235$62,719,106$30,532,245$479,980,467
97$680,793,385$65,666,280$31,429,013$527,844,429
98$750,104,278$68,753,895$32,351,853$580,545,802
99$826,480,786$71,988,708$33,301,511$638,576,083
100$910,643,472$75,377,801$34,278,758$702,476,815