Can I retire at age 52 with 8,600,000?

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 $8,600,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.6%
1 years$710,180$703,854$697,682$691,658$685,776$678,332
2 years$351,574$345,026$338,681$332,528$326,560$319,065
3 years$232,055$225,479$219,149$213,054$207,183$199,869
4 years$172,307$165,751$159,484$153,493$147,765$140,689
5 years$136,467$129,951$123,766$117,898$112,328$105,511
6 years$112,582$106,114$100,022$94,284$88,882$82,331
7 years$95,528$89,115$83,118$77,516$72,285$66,004
8 years$82,743$76,388$70,491$65,026$59,967$53,955
9 years$72,804$66,509$60,714$55,388$50,501$44,756
10 years$64,858$58,625$52,932$47,745$43,029$37,548
11 years$58,361$52,190$46,600$41,552$37,007$31,784
12 years$52,951$46,843$41,357$36,447$32,069$27,099
13 years$48,376$42,332$36,949$32,177$27,965$23,242
14 years$44,459$38,479$33,199$28,563$24,514$20,032
15 years$41,066$35,151$29,974$25,473$21,584$17,336
16 years$38,101$32,251$27,176$22,809$19,076$15,054
17 years$35,488$29,702$24,729$20,493$16,914$13,111
18 years$33,167$27,446$22,575$18,469$15,039$11,447
19 years$31,093$25,436$20,666$16,688$13,405$10,016
20 years$29,229$23,637$18,966$15,114$11,973$8,780
21 years$27,544$22,017$17,445$13,717$10,715$7,709
22 years$26,015$20,552$16,078$12,472$9,604$6,778
23 years$24,621$19,222$14,846$11,359$8,621$5,967
24 years$23,344$18,009$13,730$10,360$7,749$5,258
25 years$22,172$16,901$12,716$9,461$6,973$4,638
26 years$21,092$15,884$11,794$8,651$6,281$4,094
27 years$20,093$14,949$10,952$7,918$5,663$3,616
28 years$19,168$14,086$10,181$7,255$5,110$3,197
29 years$18,307$13,289$9,474$6,653$4,614$2,827
30 years$17,506$12,550$8,825$6,106$4,169$2,501
31 years$16,758$11,864$8,227$5,607$3,769$2,214
32 years$16,058$11,225$7,676$5,153$3,409$1,961
33 years$15,401$10,631$7,167$4,739$3,086$1,737
34 years$14,785$10,076$6,697$4,360$2,794$1,539
35 years$14,205$9,556$6,261$4,014$2,530$1,364
36 years$13,659$9,070$5,857$3,697$2,293$1,209
37 years$13,143$8,615$5,482$3,406$2,078$1,072
38 years$12,656$8,187$5,134$3,139$1,884$951
39 years$12,195$7,785$4,810$2,895$1,708$843
40 years$11,758$7,407$4,508$2,670$1,549$748
41 years$11,343$7,051$4,227$2,463$1,406$664
42 years$10,949$6,715$3,965$2,273$1,276$589
43 years$10,575$6,398$3,721$2,099$1,158$523
44 years$10,218$6,099$3,493$1,938$1,051$464
45 years$9,878$5,816$3,279$1,790$954$412
46 years$9,554$5,548$3,080$1,653$866$366
47 years$9,245$5,294$2,894$1,527$786$324
48 years$8,950$5,054$2,719$1,411$714$288
49 years$8,667$4,826$2,556$1,304$649$256
50 years$8,397$4,610$2,403$1,205$589$227

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $8,600,000, adding $3,958 every year, while hoping to spend $25,093 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: 41/32/27 Blend
51$8,600,000$8,600,000$8,600,000$8,600,000
52$9,481,283$9,025,483$8,892,183$9,794,555
53$10,421,675$9,441,033$9,163,372$10,436,657
54$11,457,146$9,876,103$9,442,805$11,128,578
55$12,597,367$10,331,625$9,730,732$11,877,065
56$13,852,997$10,808,573$10,027,409$12,687,331
57$15,235,777$11,307,968$10,333,102$13,565,099
58$16,758,649$11,830,881$10,648,084$14,516,652
59$18,435,872$12,378,435$10,972,636$15,548,888
60$20,283,159$12,951,806$11,307,047$16,669,381
61$22,317,824$13,552,227$11,651,616$17,886,453
62$24,558,947$14,180,991$12,006,650$19,209,243
63$27,027,553$14,839,453$12,372,465$20,647,794
64$29,746,809$15,529,032$12,749,389$22,213,141
65$32,742,247$16,251,218$13,137,757$23,917,414
66$36,042,000$17,007,571$13,537,915$25,773,944
67$39,677,068$17,799,727$13,950,220$27,797,387
68$43,681,615$18,629,399$14,375,039$30,003,856
69$48,093,287$19,498,387$14,812,749$32,411,069
70$52,953,568$20,408,574$15,263,742$35,038,512
71$58,308,173$21,361,935$15,728,418$37,907,614
72$64,207,478$22,360,540$16,207,191$41,041,947
73$70,706,995$23,406,562$16,700,487$44,467,440
74$77,867,900$24,502,275$17,208,745$48,212,620
75$85,757,604$25,650,064$17,732,416$52,308,871
76$94,450,394$26,852,431$18,271,966$56,790,728
77$104,028,132$28,111,998$18,827,875$61,696,190
78$114,581,029$29,431,514$19,400,636$67,067,079
79$126,208,495$30,813,859$19,990,759$72,949,419
80$139,020,079$32,262,056$20,598,767$79,393,867
81$153,136,502$33,779,272$21,225,200$86,456,180
82$168,690,796$35,368,827$21,870,615$94,197,736
83$185,829,561$37,034,202$22,535,584$102,686,100
84$204,714,346$38,779,049$23,220,697$111,995,653
85$225,523,181$40,607,194$23,926,561$122,208,287
86$248,452,248$42,522,648$24,653,803$133,414,162
87$273,717,739$44,529,620$25,403,068$145,712,550
88$301,557,896$46,632,519$26,175,018$159,212,761
89$332,235,259$48,835,970$26,970,339$174,035,158
90$366,039,144$51,144,822$27,789,734$190,312,284
91$403,288,377$53,564,158$28,633,930$208,190,099
92$444,334,298$56,099,308$29,503,673$227,829,346
93$489,564,083$58,755,862$30,399,734$249,407,048
94$539,404,400$61,539,678$31,322,904$273,118,171
95$594,325,429$64,456,903$32,274,002$299,177,443
96$654,845,309$67,513,977$33,253,867$327,821,367
97$721,535,025$70,717,657$34,263,367$359,310,434
98$795,023,801$74,075,026$35,303,393$393,931,567
99$876,005,036$77,593,509$36,374,864$432,000,808
100$965,242,854$81,280,896$37,478,727$473,866,281