Can I retire at age 52 with 9,000,000?

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 $9,000,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.5%
1 years$743,212$736,591$730,133$723,828$717,673$690,289
2 years$367,927$361,074$354,433$347,994$341,749$314,482
3 years$242,848$235,966$229,342$222,963$216,820$190,528
4 years$180,321$173,460$166,902$160,633$154,638$129,522
5 years$142,814$135,995$129,523$123,381$117,553$93,678
6 years$117,818$111,050$104,674$98,669$93,016$70,397
7 years$99,971$93,260$86,984$81,121$75,647$54,277
8 years$86,591$79,941$73,770$68,051$62,756$42,616
9 years$76,191$69,603$63,538$57,964$52,850$33,910
10 years$67,875$61,351$55,394$49,966$45,031$27,256
11 years$61,076$54,618$48,768$43,485$38,728$22,079
12 years$55,414$49,022$43,280$38,142$33,561$17,995
13 years$50,626$44,301$38,668$33,674$29,266$14,737
14 years$46,527$40,269$34,743$29,892$25,654$12,116
15 years$42,977$36,786$31,369$26,658$22,588$9,992
16 years$39,873$33,751$28,440$23,870$19,963$8,261
17 years$37,138$31,083$25,879$21,447$17,701$6,845
18 years$34,710$28,722$23,625$19,328$15,739$5,681
19 years$32,539$26,619$21,627$17,464$14,028$4,721
20 years$30,588$24,736$19,848$15,817$12,530$3,928
21 years$28,825$23,041$18,257$14,355$11,213$3,272
22 years$27,225$21,508$16,826$13,052$10,051$2,727
23 years$25,766$20,116$15,536$11,887$9,022$2,274
24 years$24,430$18,847$14,368$10,841$8,110$1,898
25 years$23,203$17,687$13,308$9,901$7,297$1,585
26 years$22,073$16,623$12,342$9,053$6,573$1,324
27 years$21,028$15,644$11,461$8,286$5,926$1,106
28 years$20,059$14,741$10,654$7,592$5,347$924
29 years$19,159$13,907$9,915$6,962$4,829$772
30 years$18,320$13,133$9,235$6,390$4,363$646
31 years$17,537$12,416$8,610$5,868$3,944$540
32 years$16,804$11,748$8,033$5,393$3,568$452
33 years$16,118$11,125$7,501$4,959$3,229$378
34 years$15,473$10,544$7,008$4,563$2,924$316
35 years$14,866$10,001$6,552$4,201$2,648$264
36 years$14,294$9,492$6,129$3,869$2,399$221
37 years$13,754$9,016$5,737$3,564$2,175$185
38 years$13,244$8,568$5,372$3,285$1,971$155
39 years$12,762$8,147$5,033$3,029$1,788$129
40 years$12,304$7,752$4,718$2,794$1,622$108
41 years$11,870$7,379$4,424$2,578$1,471$91
42 years$11,458$7,027$4,150$2,379$1,335$76
43 years$11,066$6,696$3,894$2,196$1,211$63
44 years$10,693$6,382$3,655$2,028$1,100$53
45 years$10,338$6,086$3,432$1,873$998$44
46 years$9,999$5,806$3,223$1,730$906$37
47 years$9,675$5,541$3,028$1,598$823$31
48 years$9,366$5,289$2,846$1,477$747$26
49 years$9,070$5,051$2,675$1,365$679$22
50 years$8,787$4,825$2,515$1,262$617$18

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $9,000,000, adding $4,189 every year, while hoping to spend $58,387 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: 50/29/21 Blend
51$9,000,000$9,000,000$9,000,000$9,000,000
52$9,922,321$9,445,321$9,305,821$10,359,937
53$10,872,274$9,846,018$9,555,443$11,064,234
54$11,917,166$10,264,393$9,811,470$11,822,951
55$13,066,618$10,701,250$10,074,055$12,646,332
56$14,331,233$11,157,430$10,343,355$13,540,507
57$15,722,690$11,633,816$10,619,529$14,512,216
58$17,253,860$12,131,329$10,902,740$15,568,866
59$18,938,925$12,650,935$11,193,152$16,718,600
60$20,793,509$13,193,644$11,490,937$17,970,374
61$22,834,830$13,760,515$11,796,266$19,334,032
62$25,081,857$14,352,655$12,109,315$20,820,403
63$27,555,494$14,971,223$12,430,265$22,441,395
64$30,278,773$15,617,432$12,759,298$24,210,110
65$33,277,075$16,292,553$13,096,601$26,140,958
66$36,578,364$16,997,915$13,442,365$28,249,795
67$40,213,456$17,734,912$13,796,783$30,554,065
68$44,216,307$18,505,001$14,160,053$33,072,965
69$48,624,332$19,309,708$14,532,376$35,827,619
70$53,478,761$20,150,631$14,913,959$38,841,276
71$58,825,027$21,029,444$15,305,009$42,139,523
72$64,713,192$21,947,899$15,705,739$45,750,525
73$71,198,423$22,907,831$16,116,366$49,705,283
74$78,341,508$23,911,161$16,537,110$54,037,925
75$86,209,434$24,959,901$16,968,196$58,786,022
76$94,876,018$26,056,157$17,409,852$63,990,936
77$104,422,599$27,202,136$17,862,309$69,698,208
78$114,938,813$28,400,149$18,325,805$75,957,981
79$126,523,431$29,652,616$18,800,578$82,825,468
80$139,285,297$30,962,070$19,286,874$90,361,465
81$153,344,352$32,331,167$19,784,939$98,632,922
82$168,832,768$33,762,685$20,295,027$107,713,565
83$185,896,192$35,259,539$20,817,392$117,684,588
84$204,695,123$36,824,776$21,352,294$128,635,411
85$225,406,427$38,461,591$21,899,997$140,664,516
86$248,225,005$40,173,331$22,460,769$153,880,369
87$273,365,632$41,963,501$23,034,882$168,402,438
88$301,064,986$43,835,772$23,622,610$184,362,309
89$331,583,879$45,793,990$24,224,232$201,904,921
90$365,209,724$47,842,184$24,840,033$221,189,924
91$402,259,239$49,984,575$25,470,297$242,393,179
92$443,081,446$52,225,583$26,115,317$265,708,403
93$488,060,959$54,569,842$26,775,385$291,348,993
94$537,621,615$57,022,203$27,450,799$319,550,026
95$592,230,480$59,587,751$28,141,861$350,570,464
96$652,402,250$62,271,812$28,848,874$384,695,594
97$718,704,115$65,079,966$29,572,147$422,239,702
98$791,761,110$68,018,060$30,311,989$463,549,029
99$872,262,017$71,092,219$31,068,715$509,005,026
100$960,965,868$74,308,862$31,842,642$559,027,940