Can I retire at age 52 with 9,500,000?

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 $9,500,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16%
1 years$784,501$777,513$770,696$764,041$757,543$738,930
2 years$388,367$381,134$374,124$367,327$360,735$342,097
3 years$256,339$249,075$242,083$235,350$228,865$210,786
4 years$190,339$183,097$176,174$169,557$163,228$145,846
5 years$150,748$143,550$136,719$130,236$124,084$107,447
6 years$124,364$117,219$110,489$104,151$98,183$82,309
7 years$105,525$98,441$91,817$85,628$79,849$64,740
8 years$91,402$84,382$77,868$71,831$66,243$51,891
9 years$80,423$73,470$67,068$61,184$55,786$42,180
10 years$71,646$64,760$58,471$52,741$47,532$34,657
11 years$64,469$57,652$51,477$45,901$40,879$28,715
12 years$58,492$51,745$45,685$40,261$35,425$23,952
13 years$53,439$46,763$40,816$35,545$30,891$20,087
14 years$49,111$42,506$36,673$31,552$27,079$16,920
15 years$45,364$38,830$33,111$28,139$23,843$14,304
16 years$42,089$35,626$30,020$25,196$21,072$12,129
17 years$39,201$32,810$27,317$22,638$18,684$10,310
18 years$36,638$30,318$24,937$20,401$16,613$8,782
19 years$34,347$28,098$22,829$18,434$14,808$7,494
20 years$32,287$26,110$20,951$16,696$13,226$6,404
21 years$30,427$24,321$19,271$15,153$11,836$5,480
22 years$28,737$22,702$17,761$13,777$10,609$4,694
23 years$27,197$21,233$16,399$12,547$9,524$4,025
24 years$25,787$19,894$15,167$11,444$8,560$3,453
25 years$24,492$18,670$14,047$10,451$7,703$2,965
26 years$23,299$17,546$13,028$9,556$6,938$2,547
27 years$22,196$16,513$12,098$8,747$6,256$2,189
28 years$21,173$15,560$11,246$8,014$5,644$1,883
29 years$20,223$14,679$10,466$7,349$5,097$1,619
30 years$19,338$13,863$9,748$6,745$4,605$1,393
31 years$18,511$13,105$9,088$6,194$4,164$1,199
32 years$17,738$12,400$8,479$5,693$3,766$1,032
33 years$17,013$11,743$7,917$5,235$3,408$889
34 years$16,332$11,130$7,397$4,817$3,086$766
35 years$15,692$10,557$6,916$4,434$2,795$659
36 years$15,088$10,020$6,470$4,084$2,533$568
37 years$14,519$9,516$6,056$3,762$2,295$489
38 years$13,980$9,044$5,671$3,468$2,081$422
39 years$13,471$8,600$5,313$3,198$1,887$363
40 years$12,988$8,182$4,980$2,949$1,712$313
41 years$12,530$7,789$4,670$2,721$1,553$270
42 years$12,095$7,418$4,380$2,511$1,409$232
43 years$11,681$7,068$4,110$2,318$1,279$200
44 years$11,287$6,737$3,858$2,140$1,161$173
45 years$10,912$6,424$3,623$1,977$1,054$149
46 years$10,554$6,128$3,403$1,826$957$128
47 years$10,213$5,848$3,197$1,687$869$111
48 years$9,886$5,583$3,004$1,559$789$95
49 years$9,574$5,332$2,823$1,441$717$82
50 years$9,275$5,093$2,654$1,332$651$71

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $9,500,000, adding $2,479 every year, while hoping to spend $34,486 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: 64/10/26 Blend
51$9,500,000$9,500,000$9,500,000$9,500,000
52$10,471,557$9,968,057$9,820,807$11,069,776
53$11,502,963$10,419,799$10,113,111$11,926,236
54$12,638,417$10,892,521$10,414,052$12,857,594
55$13,888,494$11,387,213$10,723,882$13,874,490
56$15,264,850$11,904,916$11,042,861$14,985,323
57$16,780,325$12,446,718$11,371,258$16,199,336
58$18,449,071$13,013,759$11,709,347$17,526,703
59$20,286,679$13,607,236$12,057,413$18,978,622
60$22,310,330$14,228,401$12,415,747$20,567,421
61$24,538,958$14,878,567$12,784,648$22,306,671
62$26,993,425$15,559,110$13,164,427$24,211,313
63$29,696,720$16,271,471$13,555,400$26,297,799
64$32,674,174$17,017,162$13,957,895$28,584,239
65$35,953,703$17,797,766$14,372,248$31,090,580
66$39,566,067$18,614,943$14,798,805$33,838,782
67$43,545,162$19,470,431$15,237,921$36,853,031
68$47,928,341$20,366,055$15,689,963$40,159,959
69$52,756,763$21,303,723$16,155,309$43,788,898
70$58,075,786$22,285,439$16,634,345$47,772,152
71$63,935,392$23,313,300$17,127,471$52,145,300
72$70,390,656$24,389,507$17,635,096$56,947,526
73$77,502,275$25,516,364$18,157,643$62,221,994
74$85,337,129$26,696,289$18,695,546$68,016,244
75$93,968,922$27,931,812$19,249,253$74,382,642
76$103,478,871$29,225,589$19,819,221$81,378,872
77$113,956,475$30,580,403$20,405,925$89,068,477
78$125,500,363$31,999,170$21,009,850$97,521,451
79$138,219,217$33,484,946$21,631,497$106,814,903
80$152,232,805$35,040,937$22,271,381$117,033,777
81$167,673,109$36,670,501$22,930,030$128,271,653
82$184,685,570$38,377,159$23,607,990$140,631,621
83$203,430,461$40,164,602$24,305,820$154,227,259
84$224,084,399$42,036,700$25,024,097$169,183,691
85$246,842,017$43,997,507$25,763,413$185,638,772
86$271,917,793$46,051,275$26,524,378$203,744,381
87$299,548,082$48,202,462$27,307,618$223,667,849
88$329,993,343$50,455,739$28,113,780$245,593,537
89$363,540,598$52,816,004$28,943,526$269,724,567
90$400,506,143$55,288,392$29,797,538$296,284,740
91$441,238,532$57,878,286$30,676,518$325,520,638
92$486,121,869$60,591,329$31,581,188$357,703,946
93$535,579,432$63,433,436$32,512,290$393,134,016
94$590,077,670$66,410,811$33,470,588$432,140,679
95$650,130,607$69,529,954$34,456,867$475,087,360
96$716,304,690$72,797,684$35,471,934$522,374,497
97$789,224,145$76,221,146$36,516,619$574,443,314
98$869,576,859$79,807,834$37,591,778$631,779,983
99$958,120,884$83,565,603$38,698,287$694,920,201
100$1,055,691,585$87,502,689$39,837,051$764,454,243