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

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 $9,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.8%
1 years$751,469$744,776$738,245$731,871$725,647$711,286
2 years$372,015$365,086$358,371$351,861$345,546$331,139
3 years$245,546$238,588$231,890$225,441$219,229$205,224
4 years$182,324$175,387$168,757$162,417$156,356$142,861
5 years$144,401$137,506$130,962$124,752$118,859$105,914
6 years$119,127$112,284$105,837$99,765$94,049$81,666
7 years$101,082$94,296$87,951$82,023$76,487$64,670
8 years$87,554$80,829$74,589$68,807$63,453$52,199
9 years$77,037$70,376$64,244$58,608$53,437$42,737
10 years$68,629$62,033$56,009$50,521$45,531$35,376
11 years$61,754$55,224$49,310$43,968$39,158$29,536
12 years$56,029$49,566$43,761$38,566$33,934$24,830
13 years$51,189$44,794$39,098$34,048$29,591$20,991
14 years$47,043$40,716$35,129$30,224$25,939$17,826
15 years$43,454$37,195$31,717$26,954$22,839$15,196
16 years$40,316$34,126$28,756$24,135$20,185$12,995
17 years$37,551$31,428$26,167$21,685$17,897$11,143
18 years$35,095$29,041$23,887$19,542$15,914$9,576
19 years$32,901$26,915$21,867$17,658$14,184$8,244
20 years$30,928$25,011$20,069$15,993$12,670$7,110
21 years$29,146$23,297$18,459$14,515$11,338$6,140
22 years$27,527$21,747$17,013$13,197$10,163$5,308
23 years$26,052$20,339$15,709$12,019$9,123$4,594
24 years$24,702$19,056$14,528$10,962$8,200$3,979
25 years$23,461$17,884$13,456$10,011$7,378$3,450
26 years$22,318$16,808$12,480$9,154$6,646$2,992
27 years$21,261$15,818$11,588$8,379$5,992$2,597
28 years$20,282$14,905$10,773$7,677$5,407$2,255
29 years$19,372$14,061$10,025$7,040$4,882$1,959
30 years$18,524$13,279$9,338$6,461$4,411$1,702
31 years$17,732$12,553$8,706$5,933$3,988$1,480
32 years$16,991$11,878$8,122$5,453$3,608$1,287
33 years$16,297$11,249$7,584$5,015$3,265$1,119
34 years$15,645$10,661$7,086$4,614$2,956$973
35 years$15,031$10,112$6,625$4,247$2,677$847
36 years$14,453$9,598$6,197$3,912$2,426$737
37 years$13,907$9,116$5,801$3,604$2,199$641
38 years$13,392$8,663$5,432$3,322$1,993$558
39 years$12,904$8,238$5,089$3,063$1,808$486
40 years$12,441$7,838$4,770$2,825$1,640$423
41 years$12,002$7,461$4,473$2,607$1,487$368
42 years$11,586$7,105$4,196$2,406$1,350$321
43 years$11,189$6,770$3,937$2,221$1,225$279
44 years$10,812$6,453$3,696$2,050$1,112$243
45 years$10,453$6,154$3,470$1,894$1,009$212
46 years$10,110$5,870$3,259$1,749$916$184
47 years$9,783$5,602$3,062$1,616$832$161
48 years$9,470$5,348$2,877$1,493$756$140
49 years$9,171$5,107$2,705$1,380$686$122
50 years$8,885$4,878$2,543$1,276$623$106

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 $5,017 every year, while hoping to spend $33,481 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: 55/39/6 Blend
51$9,100,000$9,100,000$9,100,000$9,100,000
52$10,033,375$9,551,075$9,410,025$10,571,785
53$11,021,156$9,983,454$9,689,637$11,367,859
54$12,108,568$10,435,898$9,977,495$12,229,975
55$13,305,739$10,909,354$10,273,837$13,167,741
56$14,623,827$11,404,815$10,578,914$14,188,343
57$16,075,129$11,923,322$10,892,979$15,299,674
58$17,673,193$12,465,966$11,216,295$16,510,408
59$19,432,949$13,033,889$11,549,131$17,830,080
60$21,370,849$13,628,288$11,891,766$19,269,167
61$23,505,020$14,250,419$12,244,485$20,839,188
62$25,855,439$14,901,596$12,607,582$22,552,806
63$28,444,117$15,583,198$12,981,359$24,423,946
64$31,295,310$16,296,667$13,366,127$26,467,920
65$34,435,746$17,043,519$13,762,207$28,701,565
66$37,894,879$17,825,338$14,169,928$31,143,404
67$41,705,163$18,643,786$14,589,628$33,813,808
68$45,902,365$19,500,607$15,021,655$36,735,190
69$50,525,894$20,397,625$15,466,368$39,932,204
70$55,619,180$21,336,753$15,924,137$43,431,981
71$61,230,080$22,319,998$16,395,339$47,264,368
72$67,411,331$23,349,460$16,880,366$51,462,216
73$74,221,047$24,427,344$17,379,618$56,061,672
74$81,723,267$25,555,957$17,893,508$61,102,522
75$89,988,561$26,737,720$18,422,461$66,628,555
76$99,094,695$27,975,169$18,966,915$72,687,968
77$109,127,365$29,270,963$19,527,317$79,333,819
78$120,181,005$30,627,889$20,104,131$86,624,513
79$132,359,680$32,048,867$20,697,832$94,624,348
80$145,778,066$33,536,961$21,308,908$103,404,112
81$160,562,535$35,095,378$21,937,863$113,041,745
82$176,852,345$36,727,484$22,585,213$123,623,058
83$194,800,958$38,436,804$23,251,491$135,242,542
84$214,577,485$40,227,036$23,937,245$148,004,239
85$236,368,282$42,102,055$24,643,036$162,022,723
86$260,378,713$44,065,922$25,369,444$177,424,161
87$286,835,085$46,122,895$26,117,064$194,347,498
88$315,986,786$48,277,440$26,886,508$212,945,752
89$348,108,638$50,534,234$27,678,406$233,387,445
90$383,503,492$52,898,184$28,493,405$255,858,185
91$422,505,085$55,374,433$29,332,172$280,562,394
92$465,481,195$57,968,371$30,195,391$307,725,230
93$512,837,107$60,685,651$31,083,766$337,594,693
94$565,019,441$63,532,197$31,998,022$370,443,949
95$622,520,372$66,514,223$32,938,904$406,573,893
96$685,882,270$69,638,239$33,907,176$446,315,966
97$755,702,823$72,911,074$34,903,628$490,035,272
98$832,640,679$76,339,886$35,929,069$538,133,995
99$917,421,667$79,932,179$36,984,331$591,055,181
100$1,010,845,642$83,695,821$38,070,271$649,286,896