Can I retire at age 52 with 9,300,000?

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 $9,300,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.6%
1 years$767,985$761,144$754,470$747,956$741,595$730,513
2 years$380,191$373,110$366,248$359,594$353,141$342,000
3 years$250,943$243,832$236,987$230,396$224,047$213,195
4 years$186,331$179,242$172,466$165,987$159,792$149,313
5 years$147,575$140,528$133,840$127,494$121,471$111,395
6 years$121,745$114,752$108,163$101,958$96,116$86,454
7 years$103,303$96,368$89,884$83,825$78,168$68,923
8 years$89,478$82,605$76,229$70,319$64,848$56,019
9 years$78,730$71,923$65,656$59,896$54,611$46,194
10 years$70,137$63,396$57,240$51,631$46,532$38,520
11 years$63,111$56,438$50,393$44,934$40,019$32,404
12 years$57,261$50,656$44,723$39,414$34,679$27,453
13 years$52,314$45,778$39,957$34,796$30,241$23,392
14 years$48,077$41,611$35,901$30,888$26,509$20,027
15 years$44,409$38,012$32,414$27,547$23,341$17,214
16 years$41,203$34,876$29,388$24,665$20,629$14,845
17 years$38,376$32,119$26,742$22,162$18,291$12,839
18 years$35,867$29,680$24,412$19,972$16,263$11,129
19 years$33,624$27,507$22,348$18,046$14,496$9,667
20 years$31,608$25,561$20,510$16,344$12,948$8,412
21 years$29,786$23,809$18,865$14,834$11,587$7,331
22 years$28,132$22,225$17,387$13,487$10,386$6,396
23 years$26,625$20,786$16,054$12,283$9,323$5,588
24 years$25,245$19,475$14,847$11,203$8,380$4,886
25 years$23,977$18,277$13,752$10,231$7,541$4,276
26 years$22,809$17,177$12,754$9,355$6,792$3,745
27 years$21,729$16,166$11,843$8,563$6,124$3,281
28 years$20,728$15,233$11,010$7,845$5,526$2,877
29 years$19,797$14,370$10,245$7,194$4,990$2,524
30 years$18,931$13,571$9,543$6,603$4,508$2,215
31 years$18,122$12,829$8,897$6,064$4,076$1,945
32 years$17,365$12,139$8,301$5,573$3,687$1,708
33 years$16,655$11,496$7,751$5,125$3,337$1,500
34 years$15,988$10,896$7,242$4,715$3,021$1,318
35 years$15,361$10,334$6,771$4,341$2,736$1,159
36 years$14,771$9,809$6,334$3,998$2,479$1,019
37 years$14,213$9,316$5,928$3,683$2,247$895
38 years$13,686$8,854$5,551$3,395$2,037$787
39 years$13,187$8,419$5,201$3,130$1,847$693
40 years$12,715$8,010$4,875$2,887$1,676$609
41 years$12,266$7,625$4,571$2,664$1,520$536
42 years$11,840$7,261$4,288$2,458$1,379$471
43 years$11,435$6,919$4,024$2,269$1,252$415
44 years$11,050$6,595$3,777$2,095$1,136$365
45 years$10,682$6,289$3,546$1,935$1,032$321
46 years$10,332$5,999$3,331$1,788$937$282
47 years$9,998$5,725$3,129$1,651$850$249
48 years$9,678$5,466$2,941$1,526$772$219
49 years$9,372$5,219$2,764$1,410$701$193
50 years$9,080$4,986$2,599$1,304$637$169

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $9,300,000, adding $4,276 every year, while hoping to spend $36,369 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: 70/10/20 Blend
51$9,300,000$9,300,000$9,300,000$9,300,000
52$10,253,011$9,760,111$9,615,961$10,920,261
53$11,260,121$10,199,660$9,899,399$11,805,420
54$12,368,739$10,659,528$10,191,114$12,769,246
55$13,589,177$11,140,672$10,491,343$13,823,326
56$14,932,804$11,644,096$10,800,334$14,976,584
57$16,412,143$12,170,849$11,118,338$16,238,845
58$18,040,994$12,722,033$11,445,615$17,620,923
59$19,834,565$13,298,802$11,782,432$19,134,725
60$21,809,611$13,902,365$12,129,065$20,793,360
61$23,984,598$14,533,987$12,485,795$22,611,264
62$26,379,872$15,194,997$12,852,914$24,604,331
63$29,017,852$15,886,785$13,230,719$26,790,064
64$31,923,243$16,610,808$13,619,519$29,187,736
65$35,123,270$17,368,594$14,019,629$31,818,574
66$38,647,932$18,161,743$14,431,375$34,705,953
67$42,530,284$18,991,932$14,855,090$37,875,620
68$46,806,755$19,860,919$15,291,117$41,355,930
69$51,517,485$20,770,544$15,739,810$45,178,113
70$56,706,708$21,722,740$16,201,533$49,376,568
71$62,423,166$22,719,528$16,676,658$53,989,187
72$68,720,572$23,763,028$17,165,569$59,057,704
73$75,658,116$24,855,463$17,668,662$64,628,093
74$83,301,024$25,999,160$18,186,342$70,750,999
75$91,721,170$27,196,560$18,719,026$77,482,206
76$100,997,759$28,450,222$19,267,143$84,883,172
77$111,218,073$29,762,825$19,831,135$93,021,598
78$122,478,293$31,137,180$20,411,454$101,972,067
79$134,884,408$32,576,231$21,008,568$111,816,744
80$148,553,218$34,083,066$21,622,954$122,646,151
81$163,613,429$35,660,920$22,255,107$134,560,015
82$180,206,878$37,313,184$22,905,532$147,668,207
83$198,489,862$39,043,413$23,574,749$162,091,778
84$218,634,620$40,855,332$24,263,295$177,964,093
85$240,830,955$42,752,846$24,971,719$195,432,091
86$265,288,027$44,740,051$25,700,587$214,657,665
87$292,236,329$46,821,237$26,450,480$235,819,185
88$321,929,859$49,000,902$27,221,995$259,113,184
89$354,648,519$51,283,761$28,015,747$284,756,199
90$390,700,761$53,674,757$28,832,367$312,986,817
91$430,426,490$56,179,072$29,672,503$344,067,923
92$474,200,283$58,802,138$30,536,823$378,289,170
93$522,434,917$61,549,648$31,426,012$415,969,715
94$575,585,270$64,427,572$32,340,774$457,461,222
95$634,152,611$67,442,166$33,281,833$503,151,178
96$698,689,336$70,599,991$34,249,934$553,466,542
97$769,804,182$73,907,925$35,245,840$608,877,774
98$848,167,971$77,373,175$36,270,339$669,903,266
99$934,519,945$81,003,302$37,324,236$737,114,228
100$1,029,674,744$84,806,228$38,408,362$811,140,077