Can I retire at age 52 with 9,400,000?

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 $9,400,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.3%
1 years$776,243$769,329$762,583$755,999$749,569$745,470
2 years$384,279$377,122$370,186$363,461$356,938$352,802
3 years$253,641$246,453$239,535$232,873$226,456$222,411
4 years$188,335$181,169$174,320$167,772$161,510$157,587
5 years$149,162$142,039$135,279$128,865$122,778$118,988
6 years$123,055$115,985$109,326$103,054$97,150$93,499
7 years$104,414$97,404$90,850$84,727$79,009$75,499
8 years$90,440$83,494$77,048$71,075$65,545$62,176
9 years$79,577$72,696$66,362$60,540$55,199$51,969
10 years$70,892$64,078$57,856$52,186$47,032$43,940
11 years$63,790$57,045$50,935$45,418$40,449$37,494
12 years$57,876$51,201$45,204$39,837$35,052$32,231
13 years$52,876$46,270$40,386$35,170$30,566$27,875
14 years$48,594$42,058$36,287$31,220$26,794$24,231
15 years$44,887$38,421$32,763$27,843$23,592$21,153
16 years$41,646$35,251$29,704$24,930$20,850$18,533
17 years$38,789$32,465$27,030$22,400$18,487$16,288
18 years$36,252$29,999$24,675$20,187$16,438$14,352
19 years$33,985$27,802$22,588$18,240$14,652$12,676
20 years$31,948$25,835$20,730$16,520$13,087$11,218
21 years$30,106$24,065$19,068$14,993$11,712$9,944
22 years$28,435$22,463$17,574$13,632$10,498$8,829
23 years$26,911$21,010$16,227$12,415$9,423$7,849
24 years$25,516$19,685$15,007$11,323$8,470$6,986
25 years$24,235$18,473$13,899$10,341$7,622$6,224
26 years$23,054$17,362$12,891$9,455$6,865$5,551
27 years$21,962$16,339$11,970$8,655$6,190$4,954
28 years$20,951$15,397$11,128$7,930$5,585$4,425
29 years$20,010$14,525$10,356$7,272$5,043$3,954
30 years$19,134$13,717$9,646$6,674$4,557$3,536
31 years$18,317$12,967$8,993$6,129$4,120$3,164
32 years$17,551$12,270$8,390$5,633$3,727$2,832
33 years$16,834$11,620$7,834$5,180$3,373$2,535
34 years$16,160$11,013$7,320$4,766$3,054$2,271
35 years$15,527$10,445$6,843$4,387$2,766$2,035
36 years$14,929$9,914$6,402$4,041$2,506$1,824
37 years$14,366$9,416$5,992$3,723$2,271$1,635
38 years$13,833$8,949$5,611$3,431$2,059$1,466
39 years$13,329$8,509$5,257$3,164$1,867$1,315
40 years$12,851$8,096$4,927$2,918$1,694$1,180
41 years$12,398$7,707$4,620$2,692$1,536$1,058
42 years$11,968$7,340$4,334$2,485$1,394$950
43 years$11,558$6,993$4,067$2,294$1,265$852
44 years$11,169$6,666$3,818$2,118$1,149$765
45 years$10,797$6,357$3,585$1,956$1,043$687
46 years$10,443$6,064$3,367$1,807$947$616
47 years$10,105$5,787$3,163$1,669$860$553
48 years$9,782$5,524$2,972$1,542$781$497
49 years$9,473$5,275$2,794$1,425$709$446
50 years$9,178$5,039$2,627$1,318$644$401

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $9,400,000, adding $5,531 every year, while hoping to spend $47,791 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: 86/6/8 Blend
51$9,400,000$9,400,000$9,400,000$9,400,000
52$10,364,505$9,866,305$9,720,605$11,246,801
53$11,370,836$10,298,905$9,995,396$12,255,747
54$12,478,210$10,751,100$10,277,791$13,357,187
55$13,696,884$11,223,801$10,567,994$14,566,049
56$15,038,159$11,717,960$10,866,214$15,893,120
57$16,514,485$12,234,574$11,172,667$17,350,281
58$18,139,584$12,774,690$11,487,573$18,950,621
59$19,928,573$13,339,400$11,811,157$20,708,552
60$21,898,109$13,929,853$12,143,652$22,639,955
61$24,066,547$14,547,247$12,485,296$24,762,319
62$26,454,113$15,192,840$12,836,332$27,094,912
63$29,083,094$15,867,951$13,197,010$29,658,960
64$31,978,047$16,573,957$13,567,587$32,477,843
65$35,166,031$17,312,305$13,948,325$35,577,321
66$38,676,866$18,084,508$14,339,494$38,985,771
67$42,543,410$18,892,152$14,741,370$42,734,456
68$46,801,868$19,736,897$15,154,236$46,857,816
69$51,492,138$20,620,485$15,578,383$51,393,799
70$56,658,185$21,544,738$16,014,107$56,384,208
71$62,348,455$22,511,565$16,461,715$61,875,104
72$68,616,333$23,522,967$16,921,518$67,917,233
73$75,520,647$24,581,041$17,393,837$74,566,506
74$83,126,223$25,687,982$17,879,001$81,884,525
75$91,504,495$26,846,091$18,377,345$89,939,162
76$100,734,183$28,057,778$18,889,215$98,805,202
77$110,902,029$29,325,569$19,414,964$108,565,043
78$122,103,624$30,652,110$19,954,953$119,309,472
79$134,444,304$32,040,174$20,509,554$131,138,525
80$148,040,146$33,492,665$21,079,147$144,162,425
81$163,019,063$35,012,628$21,664,121$158,502,622
82$179,522,013$36,603,252$22,264,874$174,292,937
83$197,704,326$38,267,879$22,881,815$191,680,827
84$217,737,174$40,010,011$23,515,362$210,828,768
85$239,809,182$41,833,319$24,165,944$231,915,792
86$264,128,215$43,741,647$24,833,999$255,139,174
87$290,923,331$45,739,027$25,519,976$280,716,289
88$320,446,952$47,829,679$26,224,336$308,886,666
89$352,977,239$50,018,032$26,947,549$339,914,243
90$388,820,723$52,308,721$27,690,098$374,089,856
91$428,315,197$54,706,609$28,452,476$411,733,986
92$471,832,902$57,216,787$29,235,189$453,199,777
93$519,784,043$59,844,596$30,038,754$498,876,367
94$572,620,663$62,595,629$30,863,700$549,192,562
95$630,840,906$65,475,750$31,710,569$604,620,878
96$694,993,721$68,491,104$32,579,915$665,681,998
97$765,684,045$71,648,132$33,472,307$732,949,685
98$843,578,512$74,953,585$34,388,324$807,056,196
99$929,411,748$78,414,539$35,328,560$888,698,245
100$1,023,993,304$82,038,408$36,293,624$978,643,577