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%13.3%
1 years$751,469$744,776$738,245$731,871$725,647$715,689
2 years$372,015$365,086$358,371$351,861$345,546$335,532
3 years$245,546$238,588$231,890$225,441$219,229$209,469
4 years$182,324$175,387$168,757$162,417$156,356$146,925
5 years$144,401$137,506$130,962$124,752$118,859$109,786
6 years$119,127$112,284$105,837$99,765$94,049$85,343
7 years$101,082$94,296$87,951$82,023$76,487$68,152
8 years$87,554$80,829$74,589$68,807$63,453$55,488
9 years$77,037$70,376$64,244$58,608$53,437$45,838
10 years$68,629$62,033$56,009$50,521$45,531$38,293
11 years$61,754$55,224$49,310$43,968$39,158$32,273
12 years$56,029$49,566$43,761$38,566$33,934$27,395
13 years$51,189$44,794$39,098$34,048$29,591$23,389
14 years$47,043$40,716$35,129$30,224$25,939$20,064
15 years$43,454$37,195$31,717$26,954$22,839$17,281
16 years$40,316$34,126$28,756$24,135$20,185$14,935
17 years$37,551$31,428$26,167$21,685$17,897$12,943
18 years$35,095$29,041$23,887$19,542$15,914$11,244
19 years$32,901$26,915$21,867$17,658$14,184$9,789
20 years$30,928$25,011$20,069$15,993$12,670$8,536
21 years$29,146$23,297$18,459$14,515$11,338$7,456
22 years$27,527$21,747$17,013$13,197$10,163$6,521
23 years$26,052$20,339$15,709$12,019$9,123$5,709
24 years$24,702$19,056$14,528$10,962$8,200$5,004
25 years$23,461$17,884$13,456$10,011$7,378$4,389
26 years$22,318$16,808$12,480$9,154$6,646$3,853
27 years$21,261$15,818$11,588$8,379$5,992$3,385
28 years$20,282$14,905$10,773$7,677$5,407$2,975
29 years$19,372$14,061$10,025$7,040$4,882$2,616
30 years$18,524$13,279$9,338$6,461$4,411$2,302
31 years$17,732$12,553$8,706$5,933$3,988$2,026
32 years$16,991$11,878$8,122$5,453$3,608$1,784
33 years$16,297$11,249$7,584$5,015$3,265$1,571
34 years$15,645$10,661$7,086$4,614$2,956$1,384
35 years$15,031$10,112$6,625$4,247$2,677$1,219
36 years$14,453$9,598$6,197$3,912$2,426$1,074
37 years$13,907$9,116$5,801$3,604$2,199$947
38 years$13,392$8,663$5,432$3,322$1,993$835
39 years$12,904$8,238$5,089$3,063$1,808$736
40 years$12,441$7,838$4,770$2,825$1,640$649
41 years$12,002$7,461$4,473$2,607$1,487$572
42 years$11,586$7,105$4,196$2,406$1,350$505
43 years$11,189$6,770$3,937$2,221$1,225$445
44 years$10,812$6,453$3,696$2,050$1,112$393
45 years$10,453$6,154$3,470$1,894$1,009$347
46 years$10,110$5,870$3,259$1,749$916$306
47 years$9,783$5,602$3,062$1,616$832$270
48 years$9,470$5,348$2,877$1,493$756$238
49 years$9,171$5,107$2,705$1,380$686$210
50 years$8,885$4,878$2,543$1,276$623$185

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 $6,119 every year, while hoping to spend $36,478 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: 39/41/20 Blend
51$9,100,000$9,100,000$9,100,000$9,100,000
52$10,034,512$9,552,212$9,411,162$10,365,810
53$11,019,220$9,981,458$9,687,623$11,033,781
54$12,103,145$10,430,514$9,972,124$11,751,653
55$13,296,370$10,900,314$10,264,894$12,527,132
56$14,610,003$11,391,832$10,566,171$13,365,463
57$16,056,285$11,906,093$10,876,199$14,272,397
58$17,648,703$12,444,169$11,195,229$15,254,243
59$19,402,120$13,007,183$11,523,519$16,317,926
60$21,332,913$13,596,312$11,861,334$17,471,045
61$23,459,129$14,212,789$12,208,947$18,721,943
62$25,800,651$14,857,907$12,566,637$20,079,781
63$28,379,392$15,533,019$12,934,695$21,554,616
64$31,219,498$16,239,545$13,313,415$23,157,499
65$34,347,575$16,978,971$13,703,102$24,900,566
66$37,792,942$17,752,855$14,104,070$26,797,154
67$41,587,906$18,562,829$14,516,641$28,861,916
68$45,768,070$19,410,605$14,941,146$31,110,957
69$50,372,664$20,297,975$15,377,925$33,561,980
70$55,444,918$21,226,818$15,827,328$36,234,445
71$61,032,470$22,199,103$16,289,714$39,149,747
72$67,187,816$23,216,894$16,765,454$42,331,411
73$73,968,804$24,282,352$17,254,927$45,805,307
74$81,439,179$25,397,744$17,758,524$49,599,889
75$89,669,188$26,565,446$18,276,647$53,746,451
76$98,736,238$27,787,946$18,809,708$58,279,418
77$108,725,633$29,067,854$19,358,131$63,236,660
78$119,731,372$30,407,903$19,922,353$68,659,845
79$131,857,042$31,810,961$20,502,822$74,594,816
80$145,216,792$33,280,029$21,099,999$81,092,020
81$159,936,412$34,818,258$21,714,356$88,206,970
82$176,154,520$36,428,946$22,346,380$96,000,763
83$194,023,869$38,115,553$22,996,572$104,540,639
84$213,712,792$39,881,704$23,665,446$113,900,611
85$235,406,787$41,731,198$24,353,529$124,162,145
86$259,310,272$43,668,019$25,061,365$135,414,921
87$285,648,510$45,696,342$25,789,511$147,757,665
88$314,669,739$47,820,544$26,538,540$161,299,064
89$346,647,513$50,045,211$27,309,042$176,158,783
90$381,883,286$52,375,153$28,101,622$192,468,574
91$420,709,257$54,815,411$28,916,901$210,373,504
92$463,491,503$57,371,269$29,755,520$230,033,314
93$510,633,441$60,048,265$30,618,134$251,623,900
94$562,579,629$62,852,207$31,505,419$275,338,964
95$619,819,968$65,789,182$32,418,067$301,391,815
96$682,894,324$68,865,571$33,356,791$330,017,369
97$752,397,625$72,088,064$34,322,324$361,474,344
98$828,985,477$75,463,673$35,315,416$396,047,678
99$913,380,353$78,999,751$36,336,840$434,051,196
100$1,006,378,415$82,704,005$37,387,391$475,830,554