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%16.1%
1 years$792,759$785,698$778,808$772,084$765,517$746,406
2 years$392,455$385,146$378,062$371,194$364,532$345,398
3 years$259,038$251,697$244,631$237,828$231,274$212,717
4 years$192,342$185,024$178,029$171,341$164,947$147,108
5 years$152,335$145,061$138,158$131,607$125,390$108,320
6 years$125,673$118,453$111,652$105,247$99,217$82,932
7 years$106,636$99,477$92,783$86,529$80,690$65,193
8 years$92,364$85,270$78,688$72,587$66,940$52,224
9 years$81,270$74,243$67,774$61,828$56,373$42,425
10 years$72,400$65,441$59,087$53,297$48,033$34,836
11 years$65,147$58,259$52,019$46,384$41,310$28,846
12 years$59,108$52,290$46,165$40,685$35,798$24,045
13 years$54,001$47,255$41,246$35,919$31,217$20,152
14 years$49,628$42,953$37,060$31,885$27,364$16,963
15 years$45,842$39,239$33,460$28,435$24,094$14,330
16 years$42,532$36,001$30,336$25,461$21,294$12,142
17 years$39,614$33,155$27,605$22,876$18,881$10,314
18 years$37,024$30,637$25,200$20,616$16,788$8,779
19 years$34,708$28,394$23,069$18,629$14,963$7,486
20 years$32,627$26,385$21,172$16,872$13,366$6,392
21 years$30,747$24,577$19,474$15,312$11,961$5,466
22 years$29,040$22,941$17,948$13,922$10,721$4,678
23 years$27,483$21,457$16,572$12,679$9,624$4,008
24 years$26,059$20,104$15,326$11,564$8,650$3,436
25 years$24,750$18,866$14,195$10,561$7,784$2,948
26 years$23,544$17,731$13,165$9,657$7,011$2,531
27 years$22,430$16,687$12,225$8,839$6,321$2,173
28 years$21,396$15,724$11,365$8,098$5,704$1,867
29 years$20,436$14,834$10,576$7,426$5,150$1,605
30 years$19,541$14,009$9,851$6,816$4,654$1,380
31 years$18,706$13,243$9,184$6,260$4,207$1,187
32 years$17,925$12,531$8,569$5,753$3,806$1,021
33 years$17,192$11,867$8,001$5,290$3,444$878
34 years$16,504$11,247$7,475$4,867$3,118$755
35 years$15,857$10,668$6,989$4,481$2,825$650
36 years$15,247$10,125$6,538$4,127$2,559$560
37 years$14,671$9,617$6,119$3,802$2,319$482
38 years$14,127$9,139$5,731$3,504$2,103$415
39 years$13,613$8,690$5,369$3,231$1,907$357
40 years$13,125$8,268$5,032$2,980$1,730$307
41 years$12,662$7,871$4,719$2,750$1,569$265
42 years$12,222$7,496$4,426$2,538$1,424$228
43 years$11,804$7,142$4,153$2,343$1,292$196
44 years$11,406$6,808$3,899$2,163$1,173$169
45 years$11,027$6,492$3,661$1,998$1,065$146
46 years$10,665$6,193$3,438$1,845$967$125
47 years$10,320$5,910$3,230$1,705$878$108
48 years$9,990$5,642$3,036$1,575$797$93
49 years$9,675$5,388$2,853$1,456$724$80
50 years$9,373$5,146$2,682$1,346$658$69

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 $6,935 every year, while hoping to spend $36,458 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: 80/7/13 Blend
51$9,600,000$9,600,000$9,600,000$9,600,000
52$10,586,353$10,077,553$9,928,753$11,406,262
53$11,627,370$10,532,563$10,222,576$12,401,017
54$12,773,349$11,008,645$10,525,019$13,487,015
55$14,034,958$11,506,795$10,836,334$14,677,767
56$15,423,950$12,028,055$11,156,777$15,983,748
57$16,953,278$12,573,515$11,486,615$17,416,493
58$18,637,215$13,144,319$11,826,119$18,988,703
59$20,491,486$13,741,666$12,175,569$20,714,370
60$22,533,421$14,366,812$12,535,254$22,608,901
61$24,782,115$15,021,071$12,905,470$24,689,268
62$27,258,610$15,705,822$13,286,523$26,974,164
63$29,986,092$16,422,511$13,678,725$29,484,177
64$32,990,111$17,172,652$14,082,400$32,241,988
65$36,298,822$17,957,831$14,497,880$35,272,578
66$39,943,247$18,779,711$14,925,505$38,603,466
67$43,957,576$19,640,034$15,365,626$42,264,968
68$48,379,480$20,540,627$15,818,606$46,290,478
69$53,250,472$21,483,403$16,284,815$50,716,784
70$58,616,299$22,470,368$16,764,634$55,584,415
71$64,527,370$23,503,624$17,258,458$60,938,020
72$71,039,234$24,585,375$17,766,689$66,826,787
73$78,213,106$25,717,928$18,289,743$73,304,907
74$86,116,441$26,903,704$18,828,047$80,432,086
75$94,823,572$28,145,240$19,382,041$88,274,100
76$104,416,413$29,445,194$19,952,176$96,903,421
77$114,985,230$30,806,351$20,538,917$106,399,894
78$126,629,494$32,231,633$21,142,742$116,851,493
79$139,458,820$33,724,101$21,764,141$128,355,144
80$153,594,001$35,286,963$22,403,621$141,017,642
81$169,168,147$36,923,582$23,061,700$154,956,655
82$186,327,944$38,637,484$23,738,913$170,301,831
83$205,235,037$40,432,363$24,435,809$187,196,021
84$226,067,554$42,312,092$25,152,953$205,796,626
85$249,021,793$44,280,733$25,890,925$226,277,077
86$274,314,068$46,342,541$26,650,322$248,828,468
87$302,182,754$48,501,977$27,431,760$273,661,363
88$332,890,539$50,763,717$28,235,867$301,007,775
89$366,726,899$53,132,665$29,063,295$331,123,355
90$404,010,837$55,613,960$29,914,709$364,289,801
91$445,093,887$58,212,988$30,790,796$400,817,515
92$490,363,437$60,935,398$31,692,261$441,048,528
93$540,246,385$63,787,111$32,619,830$485,359,726
94$595,213,169$66,774,332$33,574,247$534,166,403
95$655,782,208$69,903,569$34,556,280$587,926,178
96$722,524,793$73,181,644$35,566,715$647,143,309
97$796,070,485$76,615,708$36,606,363$712,373,450
98$877,113,054$80,213,257$37,676,056$784,228,894
99$966,417,032$83,982,154$38,776,651$863,384,343
100$1,064,824,927$87,930,637$39,909,026$950,583,275