Can I retire at age 52 with 9,600,000?

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 $9,600,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.5%
1 years$792,759$785,698$778,808$772,084$765,517$742,202
2 years$392,455$385,146$378,062$371,194$364,532$341,242
3 years$259,038$251,697$244,631$237,828$231,274$208,740
4 years$192,342$185,024$178,029$171,341$164,947$143,341
5 years$152,335$145,061$138,158$131,607$125,390$104,772
6 years$125,673$118,453$111,652$105,247$99,217$79,604
7 years$106,636$99,477$92,783$86,529$80,690$62,081
8 years$92,364$85,270$78,688$72,587$66,940$49,324
9 years$81,270$74,243$67,774$61,828$56,373$39,731
10 years$72,400$65,441$59,087$53,297$48,033$32,340
11 years$65,147$58,259$52,019$46,384$41,310$26,539
12 years$59,108$52,290$46,165$40,685$35,798$21,920
13 years$54,001$47,255$41,246$35,919$31,217$18,198
14 years$49,628$42,953$37,060$31,885$27,364$15,171
15 years$45,842$39,239$33,460$28,435$24,094$12,690
16 years$42,532$36,001$30,336$25,461$21,294$10,645
17 years$39,614$33,155$27,605$22,876$18,881$8,951
18 years$37,024$30,637$25,200$20,616$16,788$7,540
19 years$34,708$28,394$23,069$18,629$14,963$6,362
20 years$32,627$26,385$21,172$16,872$13,366$5,375
21 years$30,747$24,577$19,474$15,312$11,961$4,547
22 years$29,040$22,941$17,948$13,922$10,721$3,850
23 years$27,483$21,457$16,572$12,679$9,624$3,262
24 years$26,059$20,104$15,326$11,564$8,650$2,766
25 years$24,750$18,866$14,195$10,561$7,784$2,346
26 years$23,544$17,731$13,165$9,657$7,011$1,992
27 years$22,430$16,687$12,225$8,839$6,321$1,691
28 years$21,396$15,724$11,365$8,098$5,704$1,436
29 years$20,436$14,834$10,576$7,426$5,150$1,220
30 years$19,541$14,009$9,851$6,816$4,654$1,037
31 years$18,706$13,243$9,184$6,260$4,207$882
32 years$17,925$12,531$8,569$5,753$3,806$750
33 years$17,192$11,867$8,001$5,290$3,444$637
34 years$16,504$11,247$7,475$4,867$3,118$542
35 years$15,857$10,668$6,989$4,481$2,825$461
36 years$15,247$10,125$6,538$4,127$2,559$392
37 years$14,671$9,617$6,119$3,802$2,319$334
38 years$14,127$9,139$5,731$3,504$2,103$284
39 years$13,613$8,690$5,369$3,231$1,907$241
40 years$13,125$8,268$5,032$2,980$1,730$205
41 years$12,662$7,871$4,719$2,750$1,569$175
42 years$12,222$7,496$4,426$2,538$1,424$149
43 years$11,804$7,142$4,153$2,343$1,292$127
44 years$11,406$6,808$3,899$2,163$1,173$108
45 years$11,027$6,492$3,661$1,998$1,065$92
46 years$10,665$6,193$3,438$1,845$967$78
47 years$10,320$5,910$3,230$1,705$878$66
48 years$9,990$5,642$3,036$1,575$797$56
49 years$9,675$5,388$2,853$1,456$724$48
50 years$9,373$5,146$2,682$1,346$658$41

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $9,600,000, adding $2,267 every year, while hoping to spend $43,316 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: 56/35/9 Blend
51$9,600,000$9,600,000$9,600,000$9,600,000
52$10,581,538$10,072,738$9,923,938$11,151,179
53$11,614,767$10,520,215$10,210,302$11,983,475
54$12,751,934$10,988,166$10,504,808$12,884,557
55$14,003,594$11,477,549$10,807,682$13,864,946
56$15,381,379$11,989,367$11,119,157$14,932,210
57$16,898,104$12,524,670$11,439,474$16,094,666
58$18,567,892$13,084,561$11,768,878$17,361,456
59$20,406,304$13,670,190$12,107,621$18,742,629
60$22,430,484$14,282,767$12,455,964$20,249,235
61$24,659,327$14,923,556$12,814,172$21,893,422
62$27,113,651$15,593,883$13,182,520$23,688,551
63$29,816,397$16,295,137$13,561,288$25,649,315
64$32,792,844$17,028,773$13,950,765$27,791,874
65$36,070,846$17,796,315$14,351,248$30,134,007
66$39,681,098$18,599,360$14,763,041$32,695,269
67$43,657,423$19,439,582$15,186,456$35,497,178
68$48,037,092$20,318,733$15,621,814$38,563,408
69$52,861,176$21,238,652$16,069,445$41,920,010
70$58,174,932$22,201,261$16,529,687$45,595,651
71$64,028,231$23,208,579$17,002,888$49,621,880
72$70,476,029$24,262,718$17,489,403$54,033,422
73$77,578,886$25,365,893$17,989,600$58,868,496
74$85,403,535$26,520,425$18,503,854$64,169,171
75$94,023,513$27,728,743$19,032,551$69,981,758
76$103,519,857$28,993,397$19,576,087$76,357,239
77$113,981,865$30,317,056$20,134,869$83,351,739
78$125,507,943$31,702,519$20,709,314$91,027,052
79$138,206,527$33,152,717$21,299,850$99,451,215
80$152,197,116$34,670,723$21,906,918$108,699,141
81$167,611,391$36,259,757$22,530,969$118,853,318
82$184,594,462$37,923,195$23,172,466$130,004,578
83$203,306,237$39,664,572$23,831,884$142,252,947
84$223,922,933$41,487,595$24,509,711$155,708,578
85$246,638,735$43,396,150$25,206,449$170,492,780
86$271,667,632$45,394,307$25,922,611$186,739,152
87$299,245,436$47,486,334$26,658,724$204,594,836
88$329,632,009$49,676,703$27,415,330$224,221,890
89$363,113,714$51,970,102$28,192,984$245,798,807
90$400,006,119$54,371,443$28,992,255$269,522,187
91$440,656,975$56,885,876$29,813,728$295,608,580
92$485,449,501$59,518,799$30,658,002$324,296,517
93$534,805,999$62,275,868$31,525,694$355,848,741
94$589,191,840$65,163,015$32,417,434$390,554,680
95$649,119,859$68,186,454$33,333,869$428,733,157
96$715,155,195$71,352,700$34,275,664$470,735,385
97$787,920,626$74,668,584$35,243,500$516,948,264
98$868,102,449$78,141,264$36,238,076$567,798,014
99$956,456,956$81,778,243$37,260,109$623,754,182
100$1,053,817,577$85,587,388$38,310,334$685,334,050