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

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 $9,600,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.9%
1 years$792,759$785,698$778,808$772,084$765,517$759,421
2 years$392,455$385,146$378,062$371,194$364,532$358,386
3 years$259,038$251,697$244,631$237,828$231,274$225,270
4 years$192,342$185,024$178,029$171,341$164,947$159,130
5 years$152,335$145,061$138,158$131,607$125,390$119,778
6 years$125,673$118,453$111,652$105,247$99,217$93,817
7 years$106,636$99,477$92,783$86,529$80,690$75,504
8 years$92,364$85,270$78,688$72,587$66,940$61,969
9 years$81,270$74,243$67,774$61,828$56,373$51,615
10 years$72,400$65,441$59,087$53,297$48,033$43,485
11 years$65,147$58,259$52,019$46,384$41,310$36,969
12 years$59,108$52,290$46,165$40,685$35,798$31,660
13 years$54,001$47,255$41,246$35,919$31,217$27,277
14 years$49,628$42,953$37,060$31,885$27,364$23,618
15 years$45,842$39,239$33,460$28,435$24,094$20,536
16 years$42,532$36,001$30,336$25,461$21,294$17,919
17 years$39,614$33,155$27,605$22,876$18,881$15,682
18 years$37,024$30,637$25,200$20,616$16,788$13,761
19 years$34,708$28,394$23,069$18,629$14,963$12,101
20 years$32,627$26,385$21,172$16,872$13,366$10,663
21 years$30,747$24,577$19,474$15,312$11,961$9,411
22 years$29,040$22,941$17,948$13,922$10,721$8,318
23 years$27,483$21,457$16,572$12,679$9,624$7,361
24 years$26,059$20,104$15,326$11,564$8,650$6,522
25 years$24,750$18,866$14,195$10,561$7,784$5,784
26 years$23,544$17,731$13,165$9,657$7,011$5,134
27 years$22,430$16,687$12,225$8,839$6,321$4,560
28 years$21,396$15,724$11,365$8,098$5,704$4,054
29 years$20,436$14,834$10,576$7,426$5,150$3,605
30 years$19,541$14,009$9,851$6,816$4,654$3,208
31 years$18,706$13,243$9,184$6,260$4,207$2,856
32 years$17,925$12,531$8,569$5,753$3,806$2,544
33 years$17,192$11,867$8,001$5,290$3,444$2,267
34 years$16,504$11,247$7,475$4,867$3,118$2,020
35 years$15,857$10,668$6,989$4,481$2,825$1,801
36 years$15,247$10,125$6,538$4,127$2,559$1,606
37 years$14,671$9,617$6,119$3,802$2,319$1,433
38 years$14,127$9,139$5,731$3,504$2,103$1,278
39 years$13,613$8,690$5,369$3,231$1,907$1,141
40 years$13,125$8,268$5,032$2,980$1,730$1,018
41 years$12,662$7,871$4,719$2,750$1,569$909
42 years$12,222$7,496$4,426$2,538$1,424$811
43 years$11,804$7,142$4,153$2,343$1,292$724
44 years$11,406$6,808$3,899$2,163$1,173$647
45 years$11,027$6,492$3,661$1,998$1,065$577
46 years$10,665$6,193$3,438$1,845$967$516
47 years$10,320$5,910$3,230$1,705$878$460
48 years$9,990$5,642$3,036$1,575$797$411
49 years$9,675$5,388$2,853$1,456$724$367
50 years$9,373$5,146$2,682$1,346$658$328

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 $4,240 every year, while hoping to spend $45,330 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: 81/6/13 Blend
51$9,600,000$9,600,000$9,600,000$9,600,000
52$10,583,574$10,074,774$9,925,974$11,414,427
53$11,614,867$10,520,207$10,210,263$12,405,941
54$12,749,834$10,985,947$10,502,557$13,487,756
55$13,999,000$11,472,941$10,803,075$14,673,955
56$15,373,964$11,982,181$11,112,045$15,974,984
57$16,887,507$12,514,707$11,429,697$17,402,349
58$18,553,712$13,071,607$11,756,271$18,968,719
59$20,388,095$13,654,021$12,092,011$20,688,051
60$22,407,756$14,263,142$12,437,168$22,575,717
61$24,631,534$14,900,224$12,792,000$24,648,647
62$27,080,191$15,566,575$13,156,773$26,925,491
63$29,776,602$16,263,569$13,531,756$29,426,792
64$32,745,976$16,992,644$13,917,230$32,175,179
65$36,016,088$17,755,306$14,313,480$35,195,579
66$39,617,548$18,553,135$14,720,801$38,515,453
67$43,584,083$19,387,784$15,139,493$42,165,052
68$47,952,859$20,260,985$15,569,865$46,177,702
69$52,764,831$21,174,554$16,012,236$50,590,117
70$58,065,129$22,130,392$16,466,931$55,442,745
71$63,903,484$23,130,492$16,934,285$60,780,145
72$70,334,695$24,176,942$17,414,639$66,651,414
73$77,419,151$25,271,930$17,908,347$73,110,638
74$85,223,397$26,417,747$18,415,769$80,217,410
75$93,820,762$27,616,794$18,937,275$88,037,387
76$103,292,052$28,871,590$19,473,246$96,642,907
77$113,726,313$30,184,770$20,024,072$106,113,674
78$125,221,671$31,559,097$20,590,153$116,537,504
79$137,886,256$32,997,468$21,171,898$128,011,154
80$151,839,227$34,502,916$21,769,728$140,641,235
81$167,211,890$36,078,621$22,384,077$154,545,213
82$184,148,944$37,727,916$23,015,385$169,852,518
83$202,809,844$39,454,291$23,664,107$186,705,763
84$223,370,303$41,261,406$24,330,710$205,262,087
85$246,023,955$43,153,096$25,015,670$225,694,639
86$270,984,181$45,133,380$25,719,478$248,194,203
87$298,486,122$47,206,471$26,442,635$272,971,006
88$328,788,900$49,376,781$27,185,657$300,256,692
89$362,178,064$51,648,939$27,949,072$330,306,510
90$398,968,281$54,027,792$28,733,421$363,401,717
91$439,506,315$56,518,423$29,539,259$399,852,236
92$484,174,291$59,126,158$30,367,156$439,999,572
93$533,393,308$61,856,579$31,217,696$484,220,036
94$587,627,412$64,715,538$32,091,475$532,928,293
95$647,387,976$67,709,167$32,989,107$586,581,275
96$713,238,529$70,843,895$33,911,221$645,682,489
97$785,800,072$74,126,460$34,858,461$710,786,763
98$865,756,947$77,563,923$35,831,486$782,505,488
99$953,863,288$81,163,688$36,830,974$861,512,377
100$1,050,950,149$84,933,514$37,857,617$948,549,827