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

Use the below retirement simulation to view the chances of a successful retirement.
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%17.4%
1 years$743,212$736,591$730,133$723,828$717,673$696,094
2 years$367,927$361,074$354,433$347,994$341,749$320,190
3 years$242,848$235,966$229,342$222,963$216,820$195,957
4 years$180,321$173,460$166,902$160,633$154,638$134,631
5 years$142,814$135,995$129,523$123,381$117,553$98,457
6 years$117,818$111,050$104,674$98,669$93,016$74,847
7 years$99,971$93,260$86,984$81,121$75,647$58,405
8 years$86,591$79,941$73,770$68,051$62,756$46,430
9 years$76,191$69,603$63,538$57,964$52,850$37,423
10 years$67,875$61,351$55,394$49,966$45,031$30,480
11 years$61,076$54,618$48,768$43,485$38,728$25,029
12 years$55,414$49,022$43,280$38,142$33,561$20,686
13 years$50,626$44,301$38,668$33,674$29,266$17,185
14 years$46,527$40,269$34,743$29,892$25,654$14,337
15 years$42,977$36,786$31,369$26,658$22,588$12,001
16 years$39,873$33,751$28,440$23,870$19,963$10,075
17 years$37,138$31,083$25,879$21,447$17,701$8,477
18 years$34,710$28,722$23,625$19,328$15,739$7,146
19 years$32,539$26,619$21,627$17,464$14,028$6,034
20 years$30,588$24,736$19,848$15,817$12,530$5,102
21 years$28,825$23,041$18,257$14,355$11,213$4,319
22 years$27,225$21,508$16,826$13,052$10,051$3,660
23 years$25,766$20,116$15,536$11,887$9,022$3,103
24 years$24,430$18,847$14,368$10,841$8,110$2,633
25 years$23,203$17,687$13,308$9,901$7,297$2,236
26 years$22,073$16,623$12,342$9,053$6,573$1,899
27 years$21,028$15,644$11,461$8,286$5,926$1,614
28 years$20,059$14,741$10,654$7,592$5,347$1,372
29 years$19,159$13,907$9,915$6,962$4,829$1,167
30 years$18,320$13,133$9,235$6,390$4,363$992
31 years$17,537$12,416$8,610$5,868$3,944$844
32 years$16,804$11,748$8,033$5,393$3,568$718
33 years$16,118$11,125$7,501$4,959$3,229$611
34 years$15,473$10,544$7,008$4,563$2,924$520
35 years$14,866$10,001$6,552$4,201$2,648$443
36 years$14,294$9,492$6,129$3,869$2,399$377
37 years$13,754$9,016$5,737$3,564$2,175$321
38 years$13,244$8,568$5,372$3,285$1,971$273
39 years$12,762$8,147$5,033$3,029$1,788$233
40 years$12,304$7,752$4,718$2,794$1,622$198
41 years$11,870$7,379$4,424$2,578$1,471$169
42 years$11,458$7,027$4,150$2,379$1,335$144
43 years$11,066$6,696$3,894$2,196$1,211$122
44 years$10,693$6,382$3,655$2,028$1,100$104
45 years$10,338$6,086$3,432$1,873$998$89
46 years$9,999$5,806$3,223$1,730$906$76
47 years$9,675$5,541$3,028$1,598$823$64
48 years$9,366$5,289$2,846$1,477$747$55
49 years$9,070$5,051$2,675$1,365$679$47
50 years$8,787$4,825$2,515$1,262$617$40

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 $4,723 every year, while hoping to spend $20,864 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: 60/22/18 Blend
51$9,000,000$9,000,000$9,000,000$9,000,000
52$9,922,872$9,445,872$9,306,372$10,471,805
53$10,912,806$9,886,520$9,595,936$11,284,022
54$12,003,013$10,348,061$9,894,502$12,166,978
55$13,203,701$10,831,497$10,202,348$13,129,765
56$14,526,115$11,337,876$10,519,763$14,180,114
57$15,982,647$11,868,301$10,847,043$15,326,529
58$17,586,954$12,423,925$11,184,497$16,578,362
59$19,354,084$13,005,958$11,532,438$17,945,901
60$21,300,619$13,615,668$11,891,193$19,440,464
61$23,444,832$14,254,386$12,261,097$21,074,501
62$25,806,858$14,923,504$12,642,497$22,861,714
63$28,408,887$15,624,484$13,035,750$24,817,176
64$31,275,368$16,358,859$13,441,223$26,957,478
65$34,433,248$17,128,235$13,859,296$29,300,875
66$37,912,216$17,934,296$14,290,359$31,867,461
67$41,744,993$18,778,807$14,734,817$34,679,354
68$45,967,634$19,663,620$15,193,085$37,760,897
69$50,619,870$20,590,675$15,665,591$41,138,888
70$55,745,486$21,562,007$16,152,777$44,842,830
71$61,392,730$22,579,750$16,655,099$48,905,202
72$67,614,771$23,646,140$17,173,028$53,361,763
73$74,470,199$24,763,523$17,707,046$58,251,883
74$82,023,581$25,934,357$18,257,653$63,618,915
75$90,346,066$27,161,221$18,825,365$69,510,594
76$99,516,062$28,446,818$19,410,712$75,979,486
77$109,619,970$29,793,981$20,014,240$83,083,474
78$120,753,005$31,205,684$20,636,515$90,886,306
79$133,020,091$32,685,042$21,278,118$99,458,185
80$146,536,853$34,235,323$21,939,648$108,876,429
81$161,430,710$35,859,951$22,621,724$119,226,191
82$177,842,074$37,562,520$23,324,983$130,601,261
83$195,925,678$39,346,796$24,050,082$143,104,939
84$215,852,036$41,216,728$24,797,699$156,851,008
85$237,809,054$43,176,458$25,568,533$171,964,796
86$262,003,801$45,230,328$26,363,302$188,584,353
87$288,664,467$47,382,892$27,182,751$206,861,748
88$318,042,513$49,638,925$28,027,644$226,964,491
89$350,415,050$52,003,432$28,898,770$249,077,110
90$386,087,450$54,481,665$29,796,943$273,402,881
91$425,396,231$57,079,128$30,723,003$300,165,737
92$468,712,236$59,801,595$31,677,812$329,612,371
93$516,444,129$62,655,118$32,662,264$362,014,555
94$569,042,258$65,646,046$33,677,278$397,671,696
95$627,002,902$68,781,036$34,723,800$436,913,645
96$690,872,959$72,067,068$35,802,808$480,103,806
97$761,255,108$75,511,462$36,915,310$527,642,546
98$838,813,499$79,121,894$38,062,343$579,970,966
99$924,280,023$82,906,414$39,244,979$637,575,049
100$1,018,461,220$86,873,463$40,464,320$700,990,234