Can I retire at age 52 with 8,500,000?

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 $8,500,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.6%
1 years$701,922$695,670$689,570$683,616$677,802$664,933
2 years$347,486$341,015$334,743$328,661$322,763$309,848
3 years$229,356$222,857$216,601$210,577$204,774$192,215
4 years$170,303$163,823$157,630$151,709$146,047$133,941
5 years$134,880$128,439$122,327$116,527$111,022$99,404
6 years$111,273$104,880$98,859$93,187$87,848$76,731
7 years$94,417$88,078$82,152$76,614$71,444$60,830
8 years$81,781$75,500$69,671$64,270$59,270$49,156
9 years$71,958$65,736$60,008$54,744$49,914$40,294
10 years$64,104$57,943$52,316$47,190$42,529$33,395
11 years$57,683$51,583$46,058$41,069$36,576$27,917
12 years$52,335$46,298$40,876$36,023$31,696$23,500
13 years$47,814$41,840$36,520$31,803$27,640$19,892
14 years$43,942$38,032$32,813$28,231$24,229$16,916
15 years$40,589$34,743$29,626$25,177$21,333$14,441
16 years$37,658$31,876$26,860$22,544$18,854$12,367
17 years$35,075$29,356$24,442$20,255$16,717$10,619
18 years$32,781$27,126$22,312$18,254$14,864$9,139
19 years$30,731$25,141$20,426$16,494$13,249$7,880
20 years$28,889$23,362$18,746$14,939$11,834$6,806
21 years$27,224$21,761$17,242$13,558$10,590$5,886
22 years$25,712$20,313$15,892$12,327$9,493$5,097
23 years$24,334$18,998$14,673$11,226$8,521$4,418
24 years$23,073$17,800$13,570$10,239$7,659$3,833
25 years$21,914$16,704$12,569$9,351$6,892$3,328
26 years$20,847$15,699$11,657$8,550$6,208$2,891
27 years$19,860$14,775$10,824$7,826$5,597$2,513
28 years$18,945$13,922$10,063$7,170$5,050$2,186
29 years$18,094$13,134$9,364$6,575$4,560$1,902
30 years$17,302$12,404$8,722$6,035$4,121$1,656
31 years$16,563$11,726$8,132$5,542$3,725$1,441
32 years$15,871$11,095$7,587$5,093$3,370$1,255
33 years$15,222$10,507$7,084$4,684$3,050$1,094
34 years$14,613$9,958$6,619$4,310$2,761$953
35 years$14,040$9,445$6,188$3,967$2,501$831
36 years$13,500$8,965$5,789$3,654$2,266$724
37 years$12,990$8,515$5,418$3,366$2,054$631
38 years$12,509$8,092$5,074$3,103$1,862$550
39 years$12,053$7,695$4,754$2,861$1,688$480
40 years$11,621$7,321$4,456$2,639$1,531$418
41 years$11,211$6,969$4,178$2,435$1,389$365
42 years$10,822$6,637$3,919$2,247$1,261$318
43 years$10,452$6,324$3,678$2,074$1,144$278
44 years$10,099$6,028$3,452$1,915$1,039$242
45 years$9,763$5,748$3,241$1,769$943$211
46 years$9,443$5,483$3,044$1,634$856$184
47 years$9,138$5,233$2,860$1,509$777$161
48 years$8,846$4,995$2,688$1,395$706$140
49 years$8,566$4,770$2,526$1,289$641$122
50 years$8,299$4,557$2,375$1,191$582$107

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $8,500,000, adding $4,937 every year, while hoping to spend $55,078 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: 49/22/29 Blend
51$8,500,000$8,500,000$8,500,000$8,500,000
52$9,372,093$8,921,593$8,789,843$9,753,756
53$10,269,443$9,300,148$9,025,700$10,400,850
54$11,256,478$9,695,407$9,267,612$11,097,681
55$12,342,286$10,108,129$9,515,724$11,853,741
56$13,536,883$10,539,110$9,770,184$12,674,665
57$14,851,302$10,989,184$10,031,143$13,566,649
58$16,297,702$11,459,222$10,298,754$14,536,506
59$17,889,479$11,950,135$10,573,174$15,591,727
60$19,641,395$12,462,880$10,854,563$16,740,551
61$21,569,712$12,998,456$11,143,086$17,992,040
62$23,692,351$13,557,909$11,438,908$19,356,162
63$26,029,059$14,142,335$11,742,200$20,843,885
64$28,601,595$14,752,881$12,053,135$22,467,274
65$31,433,932$15,390,747$12,371,890$24,239,605
66$34,552,490$16,057,190$12,698,645$26,175,487
67$37,986,378$16,753,527$13,033,583$28,290,999
68$41,767,673$17,481,134$13,376,893$30,603,836
69$45,931,720$18,241,454$13,728,763$33,133,473
70$50,517,468$19,035,998$14,089,390$35,901,349
71$55,567,835$19,866,347$14,458,969$38,931,063
72$61,130,114$20,734,157$14,837,704$42,248,595
73$67,256,417$21,641,162$15,225,798$45,882,547
74$74,004,170$22,589,178$15,623,462$49,864,409
75$81,436,654$23,580,106$16,030,906$54,228,855
76$89,623,598$24,615,937$16,448,347$59,014,061
77$98,641,844$25,698,757$16,876,006$64,262,068
78$108,576,066$26,830,749$17,314,105$70,019,169
79$119,519,569$28,014,201$17,762,872$76,336,344
80$131,575,175$29,251,507$18,222,539$83,269,736
81$144,856,189$30,545,176$18,693,339$90,881,177
82$159,487,466$31,897,836$19,175,512$99,238,765
83$175,606,596$33,312,239$19,669,301$108,417,505
84$193,365,197$34,791,266$20,174,950$118,500,005
85$212,930,347$36,337,938$20,692,711$129,577,256
86$234,486,162$37,955,417$21,222,837$141,749,485
87$258,235,534$39,647,015$21,765,584$155,127,089
88$284,402,042$41,416,203$22,321,215$169,831,678
89$313,232,068$43,266,615$22,889,994$185,997,210
90$344,997,120$45,202,059$23,472,189$203,771,254
91$379,996,390$47,226,525$24,068,072$223,316,372
92$418,559,588$49,344,191$24,677,919$244,811,645
93$461,050,045$51,559,434$25,302,007$268,454,360
94$507,868,145$53,876,842$25,940,620$294,461,861
95$559,455,108$56,301,220$26,594,043$323,073,592
96$616,297,150$58,837,601$27,262,565$354,553,348
97$678,930,075$61,491,259$27,946,477$389,191,759
98$747,944,333$64,267,722$28,646,074$427,309,019
99$823,990,593$67,172,777$29,361,655$469,257,903
100$907,785,883$70,212,493$30,093,520$515,427,081