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%12.7%
1 years$677,148$671,117$665,232$659,488$653,880$646,513
2 years$335,222$328,979$322,928$317,062$311,371$303,955
3 years$221,261$214,991$208,956$203,144$197,547$190,312
4 years$164,292$158,041$152,066$146,354$140,892$133,893
5 years$130,120$123,906$118,010$112,414$107,104$100,362
6 years$107,345$101,179$95,369$89,898$84,748$78,271
7 years$91,085$84,970$79,252$73,910$68,922$62,714
8 years$78,894$72,835$67,212$62,002$57,178$51,237
9 years$69,418$63,416$57,890$52,812$48,152$42,476
10 years$61,842$55,898$50,470$45,524$41,028$35,613
11 years$55,647$49,763$44,433$39,620$35,285$30,128
12 years$50,488$44,664$39,433$34,752$30,578$25,671
13 years$46,126$40,363$35,231$30,681$26,664$22,003
14 years$42,391$36,689$31,655$27,235$23,374$18,951
15 years$39,156$33,516$28,580$24,289$20,580$16,389
16 years$36,329$30,751$25,912$21,748$18,189$14,223
17 years$33,837$28,320$23,579$19,540$16,127$12,378
18 years$31,624$26,169$21,525$17,610$14,340$10,800
19 years$29,647$24,253$19,705$15,912$12,781$9,443
20 years$27,869$22,537$18,084$14,411$11,416$8,272
21 years$26,263$20,993$16,634$13,079$10,216$7,257
22 years$24,805$19,596$15,331$11,892$9,158$6,376
23 years$23,475$18,328$14,155$10,830$8,220$5,608
24 years$22,259$17,172$13,091$9,878$7,389$4,938
25 years$21,141$16,115$12,125$9,021$6,649$4,352
26 years$20,111$15,145$11,245$8,248$5,989$3,839
27 years$19,159$14,254$10,442$7,550$5,400$3,388
28 years$18,276$13,431$9,707$6,917$4,872$2,993
29 years$17,456$12,671$9,034$6,343$4,399$2,645
30 years$16,692$11,966$8,414$5,822$3,975$2,338
31 years$15,978$11,312$7,845$5,347$3,594$2,068
32 years$15,311$10,703$7,319$4,914$3,251$1,830
33 years$14,685$10,136$6,834$4,519$2,942$1,619
34 years$14,097$9,607$6,385$4,157$2,664$1,434
35 years$13,544$9,112$5,970$3,827$2,413$1,270
36 years$13,023$8,649$5,585$3,525$2,186$1,125
37 years$12,532$8,214$5,227$3,248$1,981$996
38 years$12,067$7,806$4,895$2,993$1,796$883
39 years$11,627$7,423$4,586$2,760$1,629$782
40 years$11,211$7,062$4,298$2,546$1,477$694
41 years$10,815$6,723$4,031$2,349$1,340$615
42 years$10,440$6,403$3,781$2,168$1,216$545
43 years$10,083$6,100$3,548$2,001$1,104$483
44 years$9,743$5,815$3,330$1,848$1,002$429
45 years$9,419$5,545$3,127$1,706$910$380
46 years$9,110$5,290$2,937$1,576$826$337
47 years$8,815$5,048$2,759$1,456$750$299
48 years$8,533$4,819$2,593$1,346$681$265
49 years$8,264$4,602$2,437$1,244$619$235
50 years$8,006$4,396$2,291$1,149$562$209

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 $6,532 every year, while hoping to spend $38,373 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: 83/9/8 Blend
51$8,200,000$8,200,000$8,200,000$8,200,000
52$9,043,138$8,608,538$8,481,438$9,784,756
53$9,924,709$8,989,528$8,724,737$10,651,543
54$10,894,915$9,387,900$8,974,901$11,597,363
55$11,962,755$9,804,466$9,232,119$12,634,790
56$13,138,146$10,240,075$9,496,586$13,772,991
57$14,432,016$10,695,617$9,768,500$15,022,061
58$15,856,404$11,172,025$10,048,068$16,393,118
59$17,424,579$11,670,275$10,335,499$17,898,407
60$19,151,158$12,191,391$10,631,010$19,551,413
61$21,052,250$12,736,443$10,934,823$21,366,990
62$23,145,605$13,306,554$11,247,165$23,361,498
63$25,450,782$13,902,901$11,568,270$25,552,958
64$27,989,333$14,526,715$11,898,379$27,961,218
65$30,785,008$15,179,286$12,237,738$30,608,143
66$33,863,976$15,861,968$12,586,599$33,517,819
67$37,255,073$16,576,177$12,945,222$36,716,776
68$40,990,077$17,323,396$13,313,873$40,234,242
69$45,104,004$18,105,181$13,692,827$44,102,414
70$49,635,439$18,923,161$14,082,363$48,356,762
71$54,626,901$19,779,043$14,482,769$53,036,362
72$60,125,244$20,674,616$14,894,342$58,184,263
73$66,182,100$21,611,754$15,317,383$63,847,892
74$72,854,364$22,592,420$15,752,206$70,079,501
75$80,204,733$23,618,671$16,199,127$76,936,655
76$88,302,294$24,692,665$16,658,477$84,482,778
77$97,223,182$25,816,659$17,130,590$92,787,749
78$107,051,293$26,993,022$17,615,811$101,928,556
79$117,879,079$28,224,234$18,114,495$111,990,025
80$129,808,419$29,512,895$18,627,004$123,065,616
81$142,951,580$30,861,730$19,153,711$135,258,304
82$157,432,278$32,273,592$19,694,998$148,681,548
83$173,386,847$33,751,474$20,251,256$163,460,362
84$190,965,520$35,298,511$20,822,888$179,732,489
85$210,333,854$36,917,989$21,410,306$197,649,701
86$231,674,289$38,613,352$22,013,933$217,379,228
87$255,187,869$40,388,209$22,634,202$239,105,336
88$281,096,143$42,246,342$23,271,559$263,031,059
89$309,643,252$44,191,716$23,926,459$289,380,117
90$341,098,239$46,228,485$24,599,370$318,399,023
91$375,757,582$48,361,003$25,290,772$350,359,407
92$413,947,999$50,593,836$26,001,157$385,560,573
93$456,029,528$52,931,767$26,731,029$424,332,330
94$502,398,926$55,379,810$27,480,904$467,038,091
95$553,493,416$57,943,220$28,251,314$514,078,307
96$609,794,812$60,627,506$29,042,801$565,894,240
97$671,834,071$63,438,441$29,855,922$622,972,125
98$740,196,300$66,382,078$30,691,249$685,847,757
99$815,526,283$69,464,761$31,549,367$755,111,541
100$898,534,569$72,693,139$32,430,875$831,414,065