Can I retire at age 52 with 9,100,000?

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 $9,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.6%
1 years$751,469$744,776$738,245$731,871$725,647$706,100
2 years$372,015$365,086$358,371$351,861$345,546$325,993
3 years$245,546$238,588$231,890$225,441$219,229$200,280
4 years$182,324$175,387$168,757$162,417$156,356$138,158
5 years$144,401$137,506$130,962$124,752$118,859$101,463
6 years$119,127$112,284$105,837$99,765$94,049$77,471
7 years$101,082$94,296$87,951$82,023$76,487$60,727
8 years$87,554$80,829$74,589$68,807$63,453$48,504
9 years$77,037$70,376$64,244$58,608$53,437$39,284
10 years$68,629$62,033$56,009$50,521$45,531$32,157
11 years$61,754$55,224$49,310$43,968$39,158$26,542
12 years$56,029$49,566$43,761$38,566$33,934$22,053
13 years$51,189$44,794$39,098$34,048$29,591$18,420
14 years$47,043$40,716$35,129$30,224$25,939$15,452
15 years$43,454$37,195$31,717$26,954$22,839$13,008
16 years$40,316$34,126$28,756$24,135$20,185$10,982
17 years$37,551$31,428$26,167$21,685$17,897$9,295
18 years$35,095$29,041$23,887$19,542$15,914$7,883
19 years$32,901$26,915$21,867$17,658$14,184$6,696
20 years$30,928$25,011$20,069$15,993$12,670$5,697
21 years$29,146$23,297$18,459$14,515$11,338$4,852
22 years$27,527$21,747$17,013$13,197$10,163$4,137
23 years$26,052$20,339$15,709$12,019$9,123$3,530
24 years$24,702$19,056$14,528$10,962$8,200$3,015
25 years$23,461$17,884$13,456$10,011$7,378$2,576
26 years$22,318$16,808$12,480$9,154$6,646$2,202
27 years$21,261$15,818$11,588$8,379$5,992$1,884
28 years$20,282$14,905$10,773$7,677$5,407$1,612
29 years$19,372$14,061$10,025$7,040$4,882$1,380
30 years$18,524$13,279$9,338$6,461$4,411$1,181
31 years$17,732$12,553$8,706$5,933$3,988$1,012
32 years$16,991$11,878$8,122$5,453$3,608$867
33 years$16,297$11,249$7,584$5,015$3,265$742
34 years$15,645$10,661$7,086$4,614$2,956$636
35 years$15,031$10,112$6,625$4,247$2,677$545
36 years$14,453$9,598$6,197$3,912$2,426$467
37 years$13,907$9,116$5,801$3,604$2,199$401
38 years$13,392$8,663$5,432$3,322$1,993$343
39 years$12,904$8,238$5,089$3,063$1,808$294
40 years$12,441$7,838$4,770$2,825$1,640$252
41 years$12,002$7,461$4,473$2,607$1,487$216
42 years$11,586$7,105$4,196$2,406$1,350$185
43 years$11,189$6,770$3,937$2,221$1,225$159
44 years$10,812$6,453$3,696$2,050$1,112$136
45 years$10,453$6,154$3,470$1,894$1,009$117
46 years$10,110$5,870$3,259$1,749$916$100
47 years$9,783$5,602$3,062$1,616$832$86
48 years$9,470$5,348$2,877$1,493$756$74
49 years$9,171$5,107$2,705$1,380$686$63
50 years$8,885$4,878$2,543$1,276$623$54

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $9,100,000, adding $5,056 every year, while hoping to spend $26,465 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: 38/49/13 Blend
51$9,100,000$9,100,000$9,100,000$9,100,000
52$10,033,415$9,551,115$9,410,065$10,374,901
53$11,028,665$9,990,961$9,697,144$11,058,568
54$12,124,543$10,451,473$9,992,953$11,793,988
55$13,331,286$10,933,635$10,297,756$12,588,173
56$14,660,173$11,438,478$10,611,827$13,446,413
57$16,123,633$11,967,086$10,935,445$14,374,506
58$17,735,362$12,520,592$11,268,901$15,378,810
59$19,510,451$13,100,183$11,612,491$16,466,295
60$21,465,531$13,707,106$11,966,524$17,644,606
61$23,618,927$14,342,666$12,331,314$18,922,132
62$25,990,833$15,008,232$12,707,188$20,308,075
63$28,603,500$15,705,237$13,094,482$21,812,537
64$31,481,450$16,435,187$13,493,540$23,446,606
65$34,651,704$17,199,657$13,904,719$25,222,454
66$38,144,036$18,000,298$14,328,385$27,153,449
67$41,991,259$18,838,844$14,764,917$29,254,272
68$46,229,529$19,717,109$15,214,703$31,541,050
69$50,898,690$20,636,997$15,678,145$34,031,500
70$56,042,649$21,600,502$16,155,656$36,745,089
71$61,709,789$22,609,716$16,647,660$39,703,211
72$67,953,427$23,666,832$17,154,596$42,929,378
73$74,832,317$24,774,147$17,676,915$46,449,437
74$82,411,204$25,934,071$18,215,083$50,291,801
75$90,761,437$27,149,131$18,769,579$54,487,710
76$99,961,639$28,421,973$19,340,895$59,071,518
77$110,098,451$29,755,375$19,929,539$64,081,000
78$121,267,351$31,152,246$20,536,037$69,557,705
79$133,573,552$32,615,638$21,160,926$75,547,334
80$147,133,000$34,148,750$21,804,762$82,100,159
81$162,073,461$35,754,934$22,468,117$89,271,485
82$178,535,737$37,437,708$23,151,582$97,122,158
83$196,674,984$39,200,758$23,855,761$105,719,131
84$216,662,185$41,047,947$24,581,282$115,136,074
85$238,685,760$42,983,330$25,328,788$125,454,059
86$262,953,348$45,011,153$26,098,942$136,762,310
87$289,693,761$47,135,871$26,892,428$149,159,026
88$319,159,150$49,362,154$27,709,950$162,752,293
89$351,627,382$51,694,899$28,552,233$177,661,086
90$387,404,665$54,139,239$29,420,022$194,016,370
91$426,828,437$56,700,557$30,314,089$211,962,321
92$470,270,551$59,384,498$31,235,224$231,657,666
93$518,140,787$62,196,979$32,184,245$253,277,155
94$570,890,721$65,144,204$33,161,990$277,013,191
95$629,017,985$68,232,680$34,169,327$303,077,624
96$693,070,966$71,469,228$35,207,146$331,703,724
97$763,653,985$74,861,001$36,276,366$363,148,356
98$841,433,001$78,415,499$37,377,934$397,694,378
99$927,141,895$82,140,587$38,512,822$435,653,285
100$1,021,589,402$86,044,509$39,682,036$477,368,116