Can I retire at age 52 with 9,200,000?

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 $9,200,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19%
1 years$759,727$752,960$746,358$739,913$733,621$707,029
2 years$376,103$369,098$362,310$355,728$349,343$322,844
3 years$248,244$241,210$234,438$227,918$221,638$196,065
4 years$184,328$177,315$170,611$164,202$158,074$133,622
5 years$145,988$139,017$132,401$126,123$120,165$96,898
6 years$120,436$113,518$107,000$100,862$95,083$73,018
7 years$102,192$95,332$88,917$82,924$77,328$56,460
8 years$88,516$81,717$75,409$69,563$64,151$44,462
9 years$77,884$71,149$64,950$59,252$54,024$35,487
10 years$69,383$62,715$56,625$51,076$46,031$28,614
11 years$62,433$55,831$49,851$44,451$39,588$23,255
12 years$56,645$50,111$44,242$38,990$34,307$19,016
13 years$51,751$45,286$39,527$34,422$29,916$15,627
14 years$47,560$41,164$35,515$30,556$26,224$12,892
15 years$43,932$37,604$32,066$27,251$23,090$10,670
16 years$40,759$34,501$29,072$24,400$20,407$8,854
17 years$37,963$31,774$26,455$21,923$18,094$7,363
18 years$35,481$29,360$24,150$19,757$16,088$6,134
19 years$33,262$27,211$22,108$17,852$14,340$5,117
20 years$31,268$25,286$20,289$16,169$12,809$4,274
21 years$29,466$23,553$18,662$14,674$11,462$3,574
22 years$27,830$21,986$17,200$13,342$10,274$2,990
23 years$26,338$20,563$15,881$12,151$9,223$2,504
24 years$24,973$19,266$14,688$11,082$8,290$2,098
25 years$23,719$18,080$13,604$10,121$7,460$1,759
26 years$22,563$16,992$12,617$9,254$6,719$1,475
27 years$21,495$15,992$11,716$8,471$6,058$1,237
28 years$20,505$15,069$10,891$7,761$5,466$1,038
29 years$19,585$14,216$10,135$7,117$4,936$871
30 years$18,727$13,425$9,441$6,532$4,460$731
31 years$17,927$12,691$8,801$5,999$4,032$614
32 years$17,178$12,009$8,212$5,513$3,647$516
33 years$16,476$11,372$7,667$5,070$3,301$433
34 years$15,817$10,778$7,164$4,664$2,989$364
35 years$15,196$10,223$6,698$4,294$2,707$306
36 years$14,612$9,703$6,266$3,955$2,453$257
37 years$14,060$9,216$5,864$3,644$2,223$216
38 years$13,539$8,758$5,492$3,358$2,015$181
39 years$13,045$8,328$5,145$3,097$1,827$152
40 years$12,578$7,924$4,823$2,856$1,658$128
41 years$12,134$7,543$4,522$2,635$1,504$107
42 years$11,713$7,183$4,242$2,432$1,365$90
43 years$11,312$6,844$3,980$2,245$1,238$76
44 years$10,931$6,524$3,736$2,073$1,124$64
45 years$10,568$6,221$3,508$1,914$1,020$54
46 years$10,221$5,935$3,295$1,768$927$45
47 years$9,890$5,664$3,096$1,634$841$38
48 years$9,574$5,407$2,909$1,510$764$32
49 years$9,272$5,163$2,734$1,395$694$27
50 years$8,982$4,932$2,571$1,290$630$22

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $9,200,000, adding $6,385 every year, while hoping to spend $37,347 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: 63/23/14 Blend
51$9,200,000$9,200,000$9,200,000$9,200,000
52$10,144,986$9,657,386$9,514,786$10,749,462
53$11,140,038$10,090,861$9,793,795$11,588,957
54$12,235,333$10,544,325$10,080,898$12,500,425
55$13,441,057$11,018,717$10,376,328$13,494,817
56$14,768,433$11,515,022$10,680,324$14,580,197
57$16,229,828$12,034,273$10,993,129$15,765,434
58$17,838,868$12,577,550$11,314,997$17,060,288
59$19,610,569$13,145,986$11,646,185$18,475,492
60$21,561,475$13,740,768$11,986,960$20,022,859
61$23,709,819$14,363,138$12,337,597$21,715,385
62$26,075,689$15,014,401$12,698,375$23,567,374
63$28,681,223$15,695,920$13,069,585$25,594,566
64$31,550,815$16,409,128$13,451,523$27,814,284
65$34,711,345$17,155,522$13,844,495$30,245,596
66$38,192,433$17,936,673$14,248,817$32,909,491
67$42,026,718$18,754,227$14,664,809$35,829,074
68$46,250,168$19,609,909$15,092,805$39,029,778
69$50,902,417$20,505,526$15,533,146$42,539,607
70$56,027,140$21,442,973$15,986,182$46,389,389
71$61,672,463$22,424,234$16,452,274$50,613,069
72$67,891,422$23,451,389$16,931,793$55,248,022
73$74,742,458$24,526,618$17,425,119$60,335,404
74$82,289,972$25,652,206$17,932,644$65,920,532
75$90,604,932$26,830,547$18,454,771$72,053,314
76$99,765,542$28,064,150$18,991,912$78,788,708
77$109,857,979$29,355,645$19,544,493$86,187,240
78$120,977,210$30,707,789$20,112,951$94,315,570
79$133,227,885$32,123,470$20,697,734$103,247,115
80$146,725,324$33,605,715$21,299,303$113,062,735
81$161,596,611$35,157,699$21,918,134$123,851,493
82$177,981,786$36,782,747$22,554,712$135,711,486
83$196,035,173$38,484,346$23,209,539$148,750,768
84$215,926,830$40,266,149$23,883,129$163,088,362
85$237,844,163$42,131,986$24,576,010$178,855,376
86$261,993,687$44,085,873$25,288,726$196,196,232
87$288,602,980$46,132,017$26,021,834$215,270,026
88$317,922,827$48,274,829$26,775,909$236,252,014
89$350,229,592$50,518,933$27,551,538$259,335,267
90$385,827,824$52,869,174$28,349,329$284,732,478
91$425,053,133$55,330,634$29,169,902$312,677,962
92$468,275,356$57,908,639$30,013,897$343,429,861
93$515,902,049$60,608,769$30,881,970$377,272,568
94$568,382,338$63,436,878$31,774,795$414,519,401
95$626,211,152$66,399,101$32,693,066$455,515,552
96$689,933,899$69,501,867$33,637,494$500,641,330
97$760,151,618$72,751,919$34,608,811$550,315,744
98$837,526,644$76,156,324$35,607,767$605,000,442
99$922,788,869$79,722,491$36,635,135$665,204,059
100$1,016,742,628$83,458,188$37,691,706$731,487,001