Can I retire at age 52 with 9,900,000?

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 $9,900,000?

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$817,533$810,251$803,146$796,211$789,440$783,153
2 years$404,719$397,182$389,877$382,794$375,924$369,586
3 years$267,133$259,563$252,276$245,260$238,501$232,309
4 years$198,353$190,806$183,592$176,696$170,101$164,103
5 years$157,096$149,594$142,475$135,719$129,308$123,521
6 years$129,600$122,155$115,141$108,536$102,317$96,749
7 years$109,968$102,586$95,683$89,233$83,211$77,864
8 years$95,251$87,935$81,147$74,856$69,032$63,905
9 years$83,810$76,563$69,892$63,760$58,135$53,228
10 years$74,662$67,487$60,933$54,962$49,534$44,844
11 years$67,183$60,079$53,644$47,833$42,601$38,124
12 years$60,955$53,924$47,608$41,956$36,917$32,649
13 years$55,689$48,731$42,535$37,041$32,192$28,129
14 years$51,179$44,296$38,218$32,881$28,219$24,356
15 years$47,274$40,465$34,505$29,324$24,847$21,177
16 years$43,861$37,126$31,284$26,257$21,960$18,479
17 years$40,852$34,191$28,467$23,591$19,471$16,173
18 years$38,180$31,594$25,987$21,261$17,313$14,191
19 years$35,793$29,281$23,790$19,211$15,431$12,480
20 years$33,647$27,210$21,833$17,399$13,783$10,996
21 years$31,708$25,345$20,082$15,791$12,335$9,705
22 years$29,947$23,658$18,509$14,357$11,056$8,578
23 years$28,342$22,127$17,090$13,076$9,925$7,591
24 years$26,873$20,732$15,805$11,926$8,920$6,726
25 years$25,524$19,456$14,639$10,891$8,027$5,965
26 years$24,280$18,285$13,577$9,958$7,231$5,294
27 years$23,131$17,209$12,607$9,115$6,519$4,703
28 years$22,065$16,216$11,720$8,351$5,882$4,180
29 years$21,075$15,297$10,906$7,658$5,311$3,718
30 years$20,152$14,447$10,159$7,029$4,799$3,309
31 years$19,291$13,657$9,471$6,455$4,339$2,946
32 years$18,485$12,922$8,836$5,932$3,925$2,624
33 years$17,729$12,238$8,251$5,455$3,552$2,338
34 years$17,020$11,599$7,709$5,019$3,216$2,083
35 years$16,352$11,001$7,207$4,621$2,913$1,857
36 years$15,723$10,442$6,742$4,255$2,639$1,656
37 years$15,130$9,917$6,311$3,921$2,392$1,477
38 years$14,569$9,425$5,910$3,614$2,169$1,318
39 years$14,038$8,962$5,537$3,332$1,966$1,176
40 years$13,535$8,527$5,190$3,074$1,784$1,050
41 years$13,058$8,117$4,866$2,836$1,618$937
42 years$12,604$7,730$4,565$2,617$1,468$836
43 years$12,173$7,365$4,283$2,416$1,333$747
44 years$11,763$7,020$4,021$2,231$1,210$667
45 years$11,372$6,695$3,775$2,060$1,098$595
46 years$10,999$6,386$3,546$1,903$997$532
47 years$10,643$6,095$3,331$1,758$905$475
48 years$10,302$5,818$3,130$1,624$822$424
49 years$9,977$5,556$2,942$1,501$747$379
50 years$9,666$5,307$2,766$1,388$678$338

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $9,900,000, adding $4,542 every year, while hoping to spend $28,485 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: 75/17/8 Blend
51$9,900,000$9,900,000$9,900,000$9,900,000
52$10,914,485$10,389,785$10,236,335$11,719,562
53$11,997,455$10,868,577$10,548,944$12,728,929
54$13,189,933$11,369,874$10,871,072$13,830,625
55$14,503,058$11,894,751$11,203,005$15,037,055
56$15,949,107$12,444,331$11,545,043$16,358,590
57$17,541,605$13,019,792$11,897,491$17,806,643
58$19,295,458$13,622,370$12,260,665$19,393,782
59$21,227,088$14,253,360$12,634,891$21,133,837
60$23,354,594$14,914,118$13,020,503$23,042,037
61$25,697,920$15,606,067$13,417,848$25,135,148
62$28,279,042$16,330,698$13,827,279$27,431,627
63$31,122,176$17,089,574$14,249,165$29,951,800
64$34,254,008$17,884,333$14,683,882$32,718,044
65$37,703,944$18,716,693$15,131,819$35,755,004
66$41,504,388$19,588,453$15,593,377$39,089,815
67$45,691,048$20,501,500$16,068,968$42,752,361
68$50,303,275$21,457,813$16,559,018$46,775,551
69$55,384,428$22,459,465$17,063,964$51,195,631
70$60,982,291$23,508,630$17,584,258$56,052,517
71$67,149,518$24,607,586$18,120,364$61,390,174
72$73,944,134$25,758,723$18,672,761$67,257,025
73$81,430,079$26,964,544$19,241,943$73,706,403
74$89,677,816$28,227,676$19,828,417$80,797,057
75$98,764,991$29,550,870$20,432,707$88,593,696
76$108,777,170$30,937,011$21,055,351$97,167,597
77$119,808,641$32,389,126$21,696,906$106,597,278
78$131,963,314$33,910,384$22,357,944$116,969,231
79$145,355,690$35,504,111$23,039,053$128,378,735
80$160,111,950$37,173,792$23,740,841$140,930,749
81$176,371,143$38,923,082$24,463,933$154,740,901
82$194,286,498$40,755,811$25,208,974$169,936,572
83$214,026,873$42,675,998$25,976,626$186,658,094
84$235,778,346$44,687,854$26,767,575$205,060,068
85$259,745,972$46,795,793$27,582,523$225,312,818
86$286,155,720$49,004,446$28,422,197$247,603,993
87$315,256,605$51,318,666$29,287,342$272,140,333
88$347,323,041$53,743,542$30,178,730$299,149,609
89$382,657,426$56,284,411$31,097,152$328,882,774
90$421,593,002$58,946,866$32,043,426$361,616,317
91$464,497,000$61,736,774$33,018,392$397,654,869
92$511,774,103$64,660,285$34,022,918$437,334,070
93$563,870,271$67,723,848$35,057,894$481,023,730
94$621,276,947$70,934,225$36,124,242$529,131,308
95$684,535,698$74,298,505$37,222,907$582,105,754
96$754,243,331$77,824,122$38,354,866$640,441,733
97$831,057,518$81,518,873$39,521,122$704,684,287
98$915,703,017$85,390,929$40,722,711$775,433,970
99$1,008,978,501$89,448,861$41,960,698$853,352,503
100$1,111,764,109$93,701,656$43,236,183$939,169,014